In the wake of the events of 11 September 2001, those in financial institutions were told to take steps to eliminate the flows of money intended to fund terrorism.

Mistakenly, this was often referred to as "money laundering."

Those from certain ethnic and religious groups found that their accounts were frozen, closed or under close monitoring purely because of racial and religious factors.

Financial services businesses found that transaction monitoring did little to help because money destined for terrorism is, often, not "dirty money".

Out of these problems was born the concept of Risk Values : a tool to help those in financial services identify those account holders and applicants for business who may display personality traits that indicate the potential to enter into or use an account relationship for the purposes of funding terrorism, money laundering or fraud.

With the aim of forewarning financial services businesses that an account holder is worthy of special caution, Risk Values can help save your business time, money and improve relations with customers.