RyskFlow is the governance intelligence platform for credit risk and AMLR compliance. From first intake to signed proposition — every step recorded, every mandate on file, every dossier ready for the regulator.
What RyskFlow does
Credit risk assessment is only half the job. The other half is being able to prove, months or years later, exactly what was decided, by whom, under which mandate, based on which policy version — and why.
RyskFlow captures that proof automatically. Every phase transition, every scoring decision, every override, every four-eyes approval is written to an immutable audit chain that survives any regulator visit or internal review.
The result is not just better-governed credit decisions. It is a platform that turns operational discipline into institutional memory — and makes compliance a by-product of good process, not a separate effort.
The same audit architecture now extends to AMLR compliance: CDD, UBO verification, PEP screening and transaction monitoring — documented, versioned and audit-ready from day one.
Platform modules
Each module shares the same tamper-evident audit architecture, mandate register and RBAC layer — so governance is consistent across every process.
Full audit-trail dossier management for real estate and SME lending. From intake through scoring to mandate approval and proposition delivery.
Governance, risk and compliance reporting in a single panel — for regulators, management and internal audit.
The same governance architecture applied to AML/KYC compliance — built to AMLR Article mapping, ready for AMLA supervision.
Credit workflow
The credit workflow is not just a process — it is an audit sequence. Every transition is timestamped, actor-stamped and policy-stamped. Irreversible. Reproducible.
Dossier created, data loaded from SQL/CRM, initial policy snapshot attached
Analyst works scoring, financing structure and credit base — time tracked automatically
Decision proposal and motivation completed — FTR ratio recorded
Escalated to required mandate level — mandate version logged at time of escalation
KIIS, termsheet and proposition generated, hashed and delivered — audit chain sealed
Governance architecture
Every design decision in RyskFlow starts with the same question: can we reproduce this — exactly — two years from now?
Every event is hash-chained. Deletion is structurally impossible. Any two-year-old decision is fully reproducible with actor, mandate version and policy snapshot.
Configurable per role, segment, amount, LTV and risk classification. Four-eyes per mandate rule. Every fiat records which mandate version was active at approval time.
Every decision is stamped with the policy version in force at that moment. Version changes create a new snapshot — old decisions remain linked to their original policy.
Elapsed time and effective working time per phase per actor — automatically derived from UI activity, no manual clocking. Direct input for SLA management and capacity planning.
FTR ratio, escalation ratio, override ratio, turnaround time per phase and per analyst — automatically generated, no manual input required.
Role-based access control with transparent matrix. Analysts, risk officers, compliance managers and admins see exactly what their role permits — nothing more.
AMLR Module
The AMLR module is not being built from scratch. It inherits the full governance architecture of the credit risk platform — the same audit chain, mandate register, RBAC and policy versioning — and applies it to AML/KYC compliance documentation.
The methodology is based on a proven CDD tool already deployed in production (NN, 2022), adapted to the stricter requirements of AMLR (EU Regulation 2024/1624) which becomes directly applicable from July 2027.
Built for
Any organization where credit decisions or AML compliance must be documented, governed and audit-ready.
European Crowdfunding Service Providers needing KIIS generation, credit workflow governance and AFM reporting in a single compliant system.
Non-bank lenders requiring structured credit processes with full audit trails, mandate-based approvals and regulator-ready documentation.
CCOs, CROs and risk officers who need evidence — not just process. Documentation that survives an AFM, DNB or AMLA supervisory visit.
Banks and lending institutions replacing manual, Excel-based credit and CDD workflows with a governed, audit-ready platform.
Any entity within AMLR scope — lenders, PSPs, asset managers — that needs a systematic, documented AML/KYC compliance record.
Management and audit teams that need KPI dashboards, FTR ratios and time tracking derived automatically from operations — not manual reports.
Our background
RyskFlow was designed by a practitioner who has sat on both sides of the credit table — as the analyst building the dossier and as the compliance officer defending it to the regulator. The audit architecture is not a theoretical exercise. It is the answer to the question: what would I have needed to have on record?
Request a demo and we will walk you through the credit risk workflow, the audit chain and the AMLR module in development.
Or reach us directly: info@ryskflow.com