Subject Profiling
Table of Contents
Use Case:
Organizations must monitor customer transaction patterns to ensure compliance with internal policies and detect potential financial risks. For example, if a customer consistently ranks in the top 5% for transaction value and transaction volume, it could signal compliance issues, making it essential to track such high-risk activity.
The Subject Profiling risk analytic allows organizations to set custom rules that define the criteria for monitoring high-risk customers. Customers configure the historical period for analysis and select key transaction measures, such as total transaction value, average transaction value, or transaction volume. The analytic then identifies customers who fall into the top percentiles based on these settings. By flagging these high-risk customers for further review, the analytic enables organizations to proactively detect and address compliance risks, ensuring financial integrity and adherence to company policies.
| Description | Identifies customers in the top percentiles of the following aggregate profiling measures over a historical period of transactions (default is 365 days): total transaction value, average transaction value, and transaction volume. |
| Domain(s) | Customer Revenue |
| Analysis Type | Indicator |
| Focus Area | Context Analysis |
| Score Methodology | The customer's top aggregate measure percentile amongst the historical period of transactions. A percentile notes the value below which a percentage of the historical data falls. |
Default Scoring Criteria
Importance: 2 (default)
Enabled: True (default)
No rules are configured by default. Rules must be set by user.
Rule Configuration
To configure a rule for this risk analysis:
1. From the Admin page, navigate to Risk Settings > Risk Analysis Settings > Subject Profiling (Customer Domain). Then, click Add A Rule.
2. Complete the following required rule fields:
| Rule Field | Description | Settings Options |
|---|---|---|
| Name | Name for the specific rule | Free text |
| Description | Description of the rule | Free text |
| Context Period in Day | The period of time from the spend date for which transactions are considered by the rule | 1 to 365 Days |
| Measure | The measure computed (after rule components are applied) and compared with the Scoring and Automatic Criteria | Amount or Frequency |
3. Click Add A Rule Component.
4. To set a component, select a Field and Search Type from the dropdowns.
The Value field will appear after you select a Field and Search Type.
See a description of Field, Search Type and Value below:
| Field | Search Type | Value Type |
|---|---|---|
| Company | Includes OR Excludes | List is populated from customer data* |
| Customer (Payer) | Includes OR Excludes | List is populated from customer data* |
| Customer Billing Line Item Amount USD |
Greater Than or Equal To OR Less Than or Equal To |
Dollar Amount |
| Customer Billing Line Cost USD |
Greater Than or Equal To OR Less Than or Equal To |
Dollar Amount |
| Customer Billing Line Item Text | Contains OR Does Not Contain | Free text |
| Has Free of Charge Item | Includes OR Excludes | Yes/No |
| Is Return | Includes OR Excludes | Yes/No |
| Material Type | Includes OR Excludes | List is populated from customer data* |
| Organization Unit | Includes OR Excludes | List is populated from customer data* |
| Original Transaction Amount USD |
Greater Than or Equal To OR Less Than or Equal To |
Dollar Amount |
| Subject (Payer Country) | Includes OR Excludes | Preset List |
| Subject Account Group | Includes OR Excludes | List is populated from customer data* |
| Subject Classification | Includes OR Excludes | List is populated from customer data* |
| Transaction Reason | Includes OR Excludes | List is populated from customer data* |
| Transaction Type | Includes OR Excludes | Preset List |
| Transaction Type (Detailed) | Includes OR Excludes | List is populated from customer data* |
*For values populated from customer data, value lists will not populate if data is not available.
Note: Where multiple rule components are set, they operate only in an “and” manner.
5. Click the Save Changes button at the bottom of the page to save your rule.
Exclusions
- Items marked as “no longer valid” are excluded from the aggregated data.
- Customers with 12 or fewer transactions during the historical period are excluded from the analysis and therefore will not receive a risk result for this analytic.