AML 일치 점수: 신원 신뢰도 산출 공식

Base Score = (Name Score × Name Weight) + (DOB Score × DOB Weight) + (Country Score × Country Weight)

{
  "full_name": "John Doe",
  "date_of_birth": "1990-01-01",
  "nationality": "USA",
  "document_number": "SAMPLE-DOC-12345",
  "aml_name_weight": 60,
  "aml_dob_weight": 25,
  "aml_country_weight": 15,
  "aml_match_score_threshold": 93
}

{
  "caption": "David Sanchez",
  "match_score": 95,
  "risk_score": 65.5,
  "review_status": "Unreviewed",
  "score_breakdown": {
    "name_score": 95,
    "name_weight": 60,
    "name_weight_normalized": 70.59,
    "name_contribution": 67.06,
    "dob_score": 100,
    "dob_weight": 25,
    "dob_weight_normalized": 29.41,
    "dob_contribution": 29.41,
    "country_score": 0,
    "country_weight": 15,
    "country_weight_normalized": 0,
    "country_contribution": 0,
    "document_number_match_type": "NEUTRAL",
    "document_number_effect": "No document number provided for screening",
    "total_score": 95
  }
}

┌─────────────────────────────────────────────────────────────────────────────┐
│                           AML SCREENING FLOW                                 │
├─────────────────────────────────────────────────────────────────────────────┤
│                                                                             │
│  1. RETRIEVE MATCHES FROM WATCHLISTS                                        │
│     └── All matches with score ≥ 75% are included                           │
│                                                                             │
│  2. CALCULATE MATCH SCORE FOR EACH MATCH                                    │
│     Match Score = (Name × W1) + (DOB × W2) + (Country × W3)                │
│     + Golden Key document number logic                                      │
│                                                                             │
│  3. CLASSIFY MATCHES BY MATCH SCORE (Match Score Threshold = 93)           │
│     ├── Match Score < 93 → FALSE POSITIVE (excluded from risk assessment)  │
│     └── Match Score ≥ 93 → UNREVIEWED (included in risk assessment)        │
│                                                                             │
│  4. CALCULATE RISK SCORE FOR NON-FALSE-POSITIVE MATCHES                     │
│     Risk Score = (Country × 30%) + (Category × 50%) + (Criminal × 20%)     │
│                                                                             │
│  5. DETERMINE FINAL AML STATUS (based on highest risk score)               │
│     ├── Highest Risk Score < approve_threshold → APPROVED                   │
│     ├── Highest Risk Score ≤ review_threshold → IN REVIEW                   │
│     └── Highest Risk Score > review_threshold → DECLINED                    │
│                                                                             │
└─────────────────────────────────────────────────────────────────────────────┘

Match Score = (90 × 0.60) + (100 × 0.25) + (100 × 0.15)
            = 54 + 25 + 15
            = 94

Match Score = (72 × 0.60) + (-100 × 0.25) + (-50 × 0.15)
            = 43.2 - 25 - 7.5
            = 10.7 → 11