AML/KYC Customer Risk Scoring Engine | FinGuard Studio™ Pro | FATF · OFAC · UN · EU Sanctions | Excel v2026.2

All Industries, Business Consulting Services, Financial Model, General Excel Financial Models, Human Resources & Headhunting

Accounting, Calculator, Dashboard, Excel, Financial Due Diligence, Financial Reporting, KPIs (Key Performance Indicators), Report, Scenario Analysis, Stress Test, Tracking, Tutorial

🛡️ FinGuard Studio™ Pro — AML/KYC Customer Risk Scoring & Onboarding Engine

📺 Watch Live: FinGuard Studio™ Pro — Feature Walkthrough:

WHY THIS IS DIFFERENT FROM GENERIC TEMPLATES

Most AML/KYC spreadsheets are built by consultants who study compliance. This one was built by a compliance officer who does it daily. Every weight, every trigger, every formula cites a regulatory source — FATF Recommendations, Wolfsberg Principles, ISO 37301, 5AMLD, or 6AMLD. This is not a model for learning. It is a model for running a real program.

 

THE SCORING ENGINE

9-Factor Hybrid Weighted Scoring Model:
– PEP Exposure — 18% (FATF R.12)
– Geography / Country Risk — 16% (FATF R.10)
– Adverse Media — 14% (6AMLD Art.6 / Wolfsberg)
– Source of Wealth — 12% (Wolfsberg / 5AMLD)
– Occupation — 11% (FATF R.10)
– Transaction Pattern — 10% (FATF R.20)
– Entity Type — 8% (5AMLD)
– Product / Service Risk — 7% (5AMLD Art.16)
– Delivery Channel — 4% (FATF R.15)

Score thresholds: HIGH > 7 | MEDIUM 4-7 | LOW < 4

 

4 INTEGRATED SANCTIONS FRAMEWORKS

– FATF Blacklist — Iran, DPRK, Myanmar — Score 10, AUTO-HIGH
– FATF Grey List — 26 jurisdictions tracked
– OFAC SDN Comprehensive — Cuba, Iran, DPRK, Syria — Score 10
– UN Security Council Consolidated — 15 country regimes — Score 10
– EU Financial Sanctions — 5,726 entities — Score 9-10

30+ AUTO-OVERRIDE TRIGGERS

When triggered, the system forces a HIGH risk rating regardless of the weighted score. Standard users cannot override — only the MLRO with written justification and Senior Management co-approval.

Triggers include:
– Active PEP Status
– OFAC SDN Hit
– UN Sanctions Hit
– FATF Blacklist Country
– Internal Watchlist Match
– Shell Company + High-Risk Country combination
– Arms Dealer + Dark Web Channel
– Crypto + Anonymous + High-Risk combination
– And 20+ more FATF typology-based combinations

 

LOGGING & AUDIT INFRASTRUCTURE

– Sanctions Log — 400-entry capacity
– Adverse Media Log — 400-entry capacity (6AMLD Art.6 / Wolfsberg compliant)
– Audit Trail — 600-entry capacity (your regulatory evidence file)
– MLRO Override tab — hidden, MLRO key required
– 5-category Internal Watchlist: SAR Subjects · Local PEPs · Bank Alerts · Rejected Customers · High-Risk Associates

TECHNICAL SPECIFICATIONS

– 15,909 formulas across 11 sheets — zero errors
– 500-customer onboarding capacity
– 140+ countries · 57 customer types · 59 occupations · 43 products · 28 delivery channels
– Compatible with Microsoft Excel 2016 and later
– No macros · No VBA · No cloud · No subscription · No internet required
– Password-protected scoring engine (MLRO key included)
– 7AMLD Readiness Tracker — 10 anticipated requirements tracked

WHAT YOU RECEIVE

1. FinGuard_Studio_Pro_v2026.2.xlsx — Full working engine (500-customer capacity)
2. FinGuard_Studio_Pro_DEMO_v2026.2.xlsx — 10-customer demo with pre-filled risk profiles
3. FinGuard_Studio_Pro_User_Guide_v2026.2.pdf — 14-page technical reference
4. FinGuard_Studio_Pro_Access_Keys_v2026.2.pdf — MLRO and Analyst access keys
5. FinGuard_Studio_Pro_Custom_Lists_Guide_v2026.2.pdf — MLRO guide for national sanctions lists
6. FinGuard_Studio_Pro_Terms_of_Use_v2026.2.pdf — Single-organization license

WHO THIS IS BUILT FOR

– Compliance Officers and MLROs
– AML/KYC Analysts
– Risk and Compliance Consultants
– Banks, FinTech and Financial Institutions
– Compliance teams replacing manual spreadsheets
– Organizations preparing for regulatory examination or audit

📌 IMPORTANT — SHEET ACCESS & CUSTOMISATION NOTES

This template is fully self-contained and works completely offline with no external connections, APIs, or data dependencies of any kind.

What is freely editable: The following sheets are fully unlocked and customisable: Onboarding, Sanctions Screening Log, Adverse Media Log, Audit Trail, and 7AMLD Readiness Tracker. These are the primary data-entry and compliance tracking sheets where you enter and manage your customer records.

What is protected and why: The Risk Engine, Reference Tables, Dashboard, and Custom Sanctions Lists tabs contain 15,000+ interconnected formulas that power the automated scoring model. These are protected to preserve formula integrity and ensure the scoring output remains accurate and audit-ready under FATF, OFAC, and Wolfsberg standards. The MLRO Override tab is restricted to senior compliance officers only, consistent with its regulatory purpose.

Scoring Engine Customisation: If you require modifications to the scoring engine, risk weights, or any protected area, I am happy to accommodate customization requests directly. Please contact me through the eFinancialModels messaging system and I will assist you personally.

LICENSE

Single-organization license — one legal entity. One-time purchase. No subscription. No recurring fees. Enterprise and multi-site licensing available — contact via the product page messaging system..

Regulatory Disclaimer: This product supports your AML/KYC program. It does not constitute legal or regulatory advice. Always verify sanctions data against live official sources before making compliance decisions.

by Monaf Elsayed, CAMS, CGSS | FinGuard Studio™ Pro | © 2026 All Rights Reserved
FATF | ISO 37301 | Wolfsberg | 5AMLD & 6AMLD | OFAC SDN | UN SC | EU Financial Sanctions