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The Minerva Client Risk Rating (CRR) is a proprietary engine that scores client risk from multiple factors. It combines hard binary criteria, such as the presence of an individual or entity on a global terror, sanctions, or criminal watchlist, with inferred criteria, such as criminal status or political exposure drawn from unstructured notes and listed occupations. The entire profile is considered when a CRR score is assigned to it, including all fields from social media, global news, watchlists, registries, independent journalism, open-source web pages, legal databases, and business registries. The score is normalized out of 100, with default risk classification breakpoints at 33 and 66, where the next category score is greater than or equal to that of the previous breakpoint. For details on how workspace settings control text-derived PEP, Criminal, and High Risk Industry signals, see the Risk Inference Guide.

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Criteria categories

The CRR criteria fall into three categories:
  1. Dynamic: Criteria that apply to the unique characteristics of the profile being analyzed and are subject to change between profiles.
  2. Organizational: Criteria that are static between profile searches but differ between the institutions performing the search. The out-of-box solution is set with the defaults listed in Appendix S2 and can be configured at request.
  3. Contributed: Criteria that the end user can modulate, based on their knowledge, the knowledge of their institution, or their understanding of the profile being analyzed.
The three categories differ in how much their criteria vary:
  • Dynamic criteria vary the most, because of the range of possible profiles that may present themselves to the algorithm.
  • Contributed criteria vary with the interpretation of the end user and their knowledge of the profile, and may not apply in every search case.
  • Organizational criteria vary the least. They typically differ only among the institutions of the customer base, and are unlikely to change over time unless the business practices of the end user’s organization change substantially.

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Risk categories and weightings

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Dynamic factors

The contextual-inference criteria are configurable through Risk Inference. Minerva’s default engine is the Decision Classifier, which evaluates the resolved profile context against workspace-defined risk labels; Keywords remains available for narrow, explicit term policies.

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Organizational factors

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Contributed factors

* Categories that override the total score to equal 100 (High). ** The User Override function lets the user override the Minerva score to either Low, Medium, or High. The user must enter a rationale for the override for audit purposes, and in alignment with the organization’s risk assessment policy.