FinGuard Studio™ Pro | AML/KYC Customer Risk Scoring Engine | FATF · OFAC · UN · EU Sanctions | Excel | v2026.2

🛡️ FinGuard Studio™ Pro — AML/KYC Customer Risk Scoring & Onboarding Engine

Built by Monaf Elsayed, CAMS, CGSS — Certified Anti-Money Laundering & Sanctions Specialist

FATF · OFAC SDN · UN Security Council · EU Financial Sanctions | v2026.2

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WHY THIS IS DIFFERENT

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Most compliance teams still score customer risk manually — different analysts, different scores, no audit trail, no consistency.

FinGuard Studio™ Pro was built by a practicing compliance officer (CAMS, CGSS) to solve exactly that. Every formula cites a regulatory source: FATF Recommendations, Wolfsberg Principles, ISO 37301, 5AMLD, or 6AMLD. This is not a generic template — it is a fully engineered risk scoring engine.

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WHAT THE ENGINE DOES

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Enter your customer. The engine scores, rates, and tells you exactly what action to take — instantly.

✅ 9-Factor Hybrid Weighted Scoring Model

PEP Status 18% · Geography 16% · Adverse Media 14% · Source of Wealth 12% · Occupation 11% · Transaction Pattern 10% · Entity Type 8% · Product/Service 7% · Delivery Channel 4%

✅ 4 Integrated Sanctions Frameworks

· FATF Blacklist (Iran, DPRK, Myanmar — Score 10, AUTO-HIGH)

· FATF Grey List (26 jurisdictions)

· OFAC SDN Comprehensive (Cuba, Iran, DPRK, Syria — Score 10)

· UN Security Council Consolidated (15 country regimes — Score 10)

· EU Financial Sanctions (5,726 entities — Score 9–10)

✅ 30+ AUTO-OVERRIDE Triggers

Active PEP · OFAC SDN Hit · UN Sanctions Hit · FATF Blacklist Country · Internal Watchlist Match · Shell Company + High-Risk Country combination · and more.

When triggered — rating is forced to HIGH regardless of weighted score. Standard users cannot override. Only the MLRO — with written justification and Senior Management approval.

✅ 5-Category Internal Watchlist

SAR Subjects · Local PEPs · Bank Alerts · Rejected Customers · High-Risk Associates

✅ Full Logging & Audit Infrastructure

· Sanctions Log (400 entries)

· Adverse Media Log — 6AMLD Art.6 / Wolfsberg compliant (400 entries)

· Audit Trail — your regulatory evidence file (600 entries)

· MLRO Override tab (hidden — MLRO key required)

✅ 7AMLD Readiness Tracker

10 anticipated requirements tracked. Status dropdown: Not Started / Planned / Partial / Complete.

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TECHNICAL SPECS

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· 15,909 formulas across 11 sheets — zero errors

· 500-customer capacity

· 140+ countries · 57 customer types · 59 occupations · 43 products · 28 delivery channels

· Compatible with Microsoft Excel 2016 and later

· No macros · No VBA · No cloud · No subscription

· Password-protected scoring engine (MLRO key included)

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WHAT YOU GET — 7 FILES IN ONE ZIP

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📊 FinGuard_Studio_Pro_v2026.2.xlsx — Full working engine (500-customer capacity, all tabs active)

🎯 FinGuard_Studio_Pro_DEMO_v2026.2.xlsx — 10-customer demo with pre-filled risk profiles

📄 FinGuard_Studio_Pro_User_Guide_v2026.2.pdf — 14-page technical reference

🔐 FinGuard_Studio_Pro_Access_Keys_v2026.2.pdf — Your MLRO & Analyst keys

📋 FinGuard_Studio_Pro_Custom_Lists_Guide_v2026.2.pdf — MLRO guide for national sanctions lists

📜 FinGuard_Studio_Pro_Terms_of_Use_v2026.2.pdf — Single-organization license

🎬 FinGuard_Studio_Pro_Video_Tutorial.mp4 — Step-by-step implementation & setup walkthrough

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WHO THIS IS FOR

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· Compliance Officers & MLROs

· AML/KYC Analysts

· Risk & Compliance Consultants

· Banks, FinTechs & Financial Institutions

· Compliance teams replacing manual spreadsheets

· Organizations preparing for regulatory examination

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LICENSE & SUPPORT

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· Single-organization license — one legal entity

· One-time purchase — no subscription, no recurring fees

· Instant download after purchase

· Support via Payhip message — reference your order number and v2026.2

· Enterprise & multi-site licensing available — contact via store

⚠️ Regulatory Disclaimer: This product supports your AML/KYC program. It does not constitute legal or regulatory advice. Always verify sanctions data against live official sources before making compliance decisions.

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by Monaf Elsayed, CAMS, CGSS | FinGuard Studio™ Pro | © 2026 All Rights Reserved

FATF | ISO 37301 | Wolfsberg | 5AMLD & 6AMLD | OFAC SDN | UN SC | EU Financial Sanctions