The institution report is the central page for reviewing a counterparty's risk profile. Navigate here by clicking any institution name on the Counterparties or Portfolio tab under Assessment; a link at the top takes you back to the list you came from. The page brings together the institution's EFI Score, risk theme breakdowns, detailed analytics, identifying information, supporting documents, and adverse media signals in a single view.
Reading the Report Header
The report header shows the institution's EFI Score (0–100, where lower means higher risk), a letter rating (AAA through D), and a Data completeness percentage indicating how much of the expected data was available for the assessment. Click View details next to the data completeness to see exactly which data files were submitted and which are missing — this helps you understand how much confidence to place in the score.
Use the report date selector to switch between historical assessments. Each report has a validity period shown below the date. This lets you track how an institution's risk profile has changed over time.
Navigating Risk Themes
The report is organized into tabs for each risk theme: Transactional Activity, Sanctions, Geographic Risk, Customer Portfolio, Governance Framework, Bribery and Corruption, Culture and Employee Conduct, Organisational Reputation, and Product and Channels. The Overview tab provides a summary view.
Overview Tab
The Overview tab has three sub-views:
- Institution Info — Shows the institution's profile (ownership structure, incorporation date, managed assets, employees, BIC, address, and business areas) next to a Report technical information block.
- Risk Trajectory — Tracks how the institution's scores have changed across assessment periods.
- Theme Scores — Displays all theme scores in a sortable list alongside a radar chart. Scores run from 0–100, with lower scores indicating higher risk for that theme. The lowest-scoring theme is highlighted on the radar when the view opens; click a theme in the list to highlight it instead.
The technical information tells you which data and model produced the report:
- Data effective date: the month whose data was assessed. This is the month named in the PDF label of the report actions.
- Model run date: when the EFI risk model ran on that data.
- Report published date: when the finished report was made available.
- Report valid until: the end of the report's validity period, also shown next to the date selector.
- Model version: the version of the EFI model that calculated the scores.
The downloaded PDF also carries a report hash and a data hash so a copy can be checked against the original. These hashes are not shown on screen.
Theme Detail Tabs
Each theme tab shows the theme's individual score, a description of what the theme covers, and the industry median for comparison. The score bar visually positions the institution's score relative to the 0–100 scale. Each theme also has its own data completeness percentage.
The table below summarises what each theme covers; the same description appears at the top of the tab.
| Theme | What it covers |
|---|---|
| Transactional Activity | Risk and control eventualities relating to the transactions the institution executes on behalf of itself, its clients or third parties. |
| Sanctions | Risk and control eventualities related to economic sanctions issued by key authorities: the United Nations, the European Union, OFAC, Japan's Ministry of Finance and the UK Foreign, Commonwealth & Development Office. |
| Geographic Risk | Risks arising from the institution's global footprint and its direct or indirect exposure to high-risk or sanctioned jurisdictions. |
| Customer Portfolio | Risk and control eventualities relating to the institution's clients, their characteristics and the adequacy of the due diligence controls in place. |
| Governance Framework | Eventualities relating to the governance and design of the institution's anti-financial crime programme. |
| Bribery and Corruption | Eventualities affecting the risk that employees, vendors or other parties engage in bribery and corruption-related criminal activity as predicate offences to money laundering, together with the controls in place to mitigate those risks. |
| Culture and Employee Conduct | Risk and control eventualities relating to employee conduct. Employees have access to information and systems that could enable criminal activity, so companies keep controls in place to reduce that risk. |
| Organisational Reputation | Risk and control eventualities affecting the institution's public profile, such as media coverage, public disclosure obligations and ownership. |
| Product and Channels | Risk and control eventualities relating to the products and services the institution offers and how they are made available to clients (online, branch, intermediaries and so on). |
Within each theme, up to three sub-tabs provide deeper analysis:
- Key risk indicators: Specific findings from the assessment, such as percentages of transactions linked to correspondent banking activity or downstream clearing, with due diligence breakdowns by role (Originator, Intermediary, Beneficiary).
- Analytics: Side-by-side comparisons of the institution's transaction patterns against country-level trade data (e.g., top beneficiary countries vs. top import partners), helping identify whether transaction flows align with expected business patterns. Shown only when the theme has analytics content.
- DDQ: The questions from the Wolfsberg Correspondent Banking Due Diligence Questionnaire that feed this theme, each with the answer the institution gave. The list is read-only and scrolls within the tab; questions are numbered as in the questionnaire, with sub-questions grouped under their parent question. This sub-tab is not shown on the Transactional Activity, Sanctions, Geographic Risk and Customer Portfolio tabs, which are scored from submitted data rather than questionnaire answers.
Report Actions
Click the dropdown chevron next to the page title to access report actions.
PDF download
Select PDF to download the full report as a multi-page PDF for the currently selected assessment period (the date shown in the label, e.g., "April 2025"). Before the download starts, a confidentiality warning appears — you must check the acknowledgement box confirming you agree to handle the information in compliance with the EFI Terms & Conditions, then click Download report. The button stays disabled until you accept. After you confirm, a Download in progress window stays open until the file is ready. Only institution administrators can download a counterparty's report; other users see a notice saying so. The PDF includes all theme scores, key risk indicators, and analytics for the selected period. Use this when you need an offline copy for compliance files, board reporting, or sharing with relationship managers.
Report summary
Report summary downloads a condensed single-page PDF overview of the institution's report. It covers the same assessment period as the full PDF but in a shorter format suitable for quick reference or executive briefings. The same confidentiality acceptance step applies before the download begins.
Download scores as CSV
Download scores as CSV saves the institution's score history as a spreadsheet, with no confidentiality step. The file has one row per assessment month, newest first, covering up to the last 12 months. Columns are the month, the EFI score, one column per risk theme, and the number of transactions in that month's assessment. Scores are whole numbers, matching what the report shows on screen. The file is named after the institution and ends in -scores.csv.
Edit institution
Edit institution, offered to administrators, opens the Edit Institution Details form. The form has three sections: Basic Information (Name, Swift Name, BIC, LEI, Legal Form Code, Legal Form Description, Website URL, Group), Aliases (use + Add Alias) and Address (Country as a two-letter code like DE or GB, City, Street Address). BIC, LEI, country and URL are validated before saving. Make your changes and click Save, or Cancel to discard. The same form opens from the chevron menu in the Institution Details section below the report, which also offers Generate new assessment, Assign to segment, Go to signals and Delete institution.
Go to signals
Go to signals navigates to the Signal Cases page filtered to this institution. The page shows all signal cases linked to the institution — each row shows the number, owner, title, status, closure reason, assignee, category, comment and article counts, reopen date, and creation and update dates. From here you can review adverse media findings, assign signals to team members, and manage investigations. Use Back to Entities to return to the Counterparties list, or use Show Filters to narrow results. This option only appears if your account has the signals feature enabled.
Delete institution
Delete institution, shown in red, removes the counterparty from your portfolio. Institution administrators see it for institutions in their own portfolio; it never applies to your own institution. A confirmation step precedes the removal, which cannot be undone. After deleting, you are returned to the Counterparties list.
Preliminary Reports
The full report is available when the institution is in your portfolio (and in a segment you can access) and your account has the Counterparties permission. Otherwise the platform shows the institution's published preliminary report, if there is one. A preliminary report is built from publicly available data and shows a Ranking of High, Medium or Low with a three-bar grade instead of a numeric EFI score, followed by a ranking for each theme. If no preliminary report is published either, the page shows "Assessment not available" with a Request assessment button. If the institution has no report yet the page says Report not yet available.
Institution Details and Files
Expand the Institution Details section to view the institution's key identifiers — Swift name, LEI, BIC, legal form, group — along with its country, city, street address, website and aliases. Open the chevron menu in the section header (or use the Edit institution report action) to update these fields.
The Institution Files subsection lets you attach supporting documents. Upload accepts CSV, XLSX, PDF and DOC files. Find Files searches the web for the institution's public documents and lists Suggested Documents — tick the ones to keep and click Add N Selected Documents. Add Website attaches a web page by URL. Files are grouped by type; click one to open or download it, and use the trash icon that appears on hover to remove it. These files serve as an audit trail — annual reports, compliance filings, due diligence questionnaires, or any documentation relevant to the institution's assessment.
Reviewing Signals
The Signals section displays adverse media findings linked to this institution. Each signal represents a cluster of related news articles that EFI's monitoring system flagged as potentially relevant to financial crime compliance. Each row shows the signal's number, title, status, closure reason, assignee, category, comment and article counts, reopen date, and creation and update dates.
Click any signal row to open it in the full signal detail view, where you can review the AI-generated summary, confirm the category, add comments, and close the investigation.
Use Show Filters to narrow the list by title, description, status, closure reason, sequence number, assignee, whether the category was confirmed, label, category or creation date. Exclude completed signals is on by default so you can focus on open items, and Only show my signals limits the list to yours. Scan URL adds a web page as a signal source. Historical Lookup queues a scan of the past week, month or year for adverse media that may predate automated monitoring.