The institution report is the central page for reviewing a counterparty's risk profile. Navigate here by clicking any institution name in the Counterparties list or the Portfolio Assessment table. 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 Ratings Report guide has a table summarising all nine themes. The score bar visually positions the institution's score relative to the 0–100 scale. Each theme also has its own data completeness percentage.
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. 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 opens the Edit Institution Details form. The form has two sections: Basic Information (Name, Swift Name, BIC, LEI, Legal Form Code, Legal Form Description, Website URL) and Address (Country as a two-letter code like DE or GB, Region, City, Street Address). Make your changes and click Save, or Cancel to discard. This is the same form accessible via the edit icon in the Institution Details section below the report.
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 displays the signal title, status, priority, assignee, category, due date, and creation date. 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.
Institution Details and Files
Expand the Institution Details section to view the institution's key identifiers — Swift name, LEI, BIC, legal form — along with its registered address, country, and website. Use the edit icon (or the "Edit institution" action) to update these fields.
The Institution Files subsection lets you attach supporting documents. Use Upload to add files directly (PDF, DOCX, TXT, and similar formats), or Find Files to search for previously uploaded documents. 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. Signals show their current status, category (e.g., SMG for smuggling, FRD for fraud), assignment, priority, and creation date.
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, priority, assignee, category, or date range. The "Exclude completed signals" option is enabled by default so you can focus on open items. Historical Lookup lets you run a one-time scan for past adverse media that may predate automated monitoring.