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## Key Concepts: Match Score vs Risk Score
Didit uses a **two-score system** for AML screening:
### Match Score (Identity Confidence)
* **Question:** Is this match the same person we're screening?
* **Factors:** Name similarity, Date of Birth, Country/Nationality, Document Number
* **Purpose:** Classifies match as **False Positive** or **Unreviewed** (Possible Match)
* **Threshold:** Match Score Threshold (default: 93)
### Risk Score (Entity Risk Level)
* **Question:** How risky is this entity if it's a true match?
* **Factors:** Country risk, Category (PEP/Sanctions/etc.), Criminal records
* **Purpose:** Determines the **final AML status** (Approved/In Review/Declined)
* **Thresholds:** Approve Threshold (default: 80) and Review Threshold (default: 100)
```
┌─────────────────────────────────────────────────────────────────────────────┐
│ AML SCREENING FLOW │
├─────────────────────────────────────────────────────────────────────────────┤
│ │
│ STEP 1: Screen against watchlists │
│ └── Returns potential matches (match score ≥ 75% included) │
│ │
│ STEP 2: For each match, calculate MATCH SCORE │
│ └── Match Score = (Name × W1) + (DOB × W2) + (Country × W3) │
│ │
│ STEP 3: Classify match by match score │
│ ├── Match Score < 93 → FALSE POSITIVE (excluded from risk) │
│ └── Match Score ≥ 93 → UNREVIEWED (included in risk) │
│ │
│ STEP 4: For unreviewed matches, calculate RISK SCORE │
│ └── Risk Score = (Country × 30%) + (Category × 50%) + (Criminal × 20%) │
│ │
│ STEP 5: Determine AML STATUS (highest risk score among non-FP matches) │
│ ├── Risk Score < 86 → APPROVED │
│ ├── 86 ≤ Risk Score ≤ 100 → IN REVIEW │
│ └── Risk Score > 100 → DECLINED │
│ │
└─────────────────────────────────────────────────────────────────────────────┘
```
## Match Review Statuses
Each AML match is assigned a review status based on its match score:
| Status | Description | When Assigned |
| ------------------- | ----------------------------------------------- | ---------------------------------------- |
| **False Positive** | Match is likely NOT the same person | Match score \< threshold (auto-assigned) |
| **Unreviewed** | Match is a possible match requiring review | Match score ≥ threshold (auto-assigned) |
| **Confirmed Match** | Match has been verified as the same person | Manually set by compliance officer |
| **Inconclusive** | Unable to determine if match is the same person | Manually set by compliance officer |
