How Varqus forms a risk view
Varqus combines identity verification with transaction behaviour analysis. No single signal defines risk. Risk is cumulative and contextual.
Identity verification
Existence, registry match, and consistency of name and IBAN.
Behavioural signals
Concentration, dependency, inconsistency, and anomaly patterns.
Lifecycle discipline
12-month expiry and refresh planning to keep verification current.
Escalation ladder
| Level | Meaning | Typical outputs |
|---|---|---|
| 1 | Flag | Mismatch, unknown entity, high value transfer, expiry due. |
| 2 | Case review | Case update, additional verification, registry correction. |
| 3 | EDD recommendation | Concentration exposure and dependency reasoning. |
| 4 | Executive governance discussion | Decision options, residual risk acceptance, action plan. |