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Country Risk Assessment Tool

User Guide

v1.0 – September 2013 Release


Version History

Date Version Summary of Changes Author

1 Sept 2013 1.0 Release 1.0 – CRAT User Guide Anthony Quinn


Table of Contents 1. Disclaimer ............................................................................................................. 5

2. Glossary ................................................................................................................. 6 2.1. Key Terms..................................................................................................................................6

3. Purpose of this document................................................................................ 6

4. Target audience................................................................................................. 7 4.1. Assumed knowledge ............................................................................................................7

5. Legal matters....................................................................................................... 8

6. System Requirements ........................................................................................ 9 6.1. Technical requirements .......................................................................................................9

6.1.1. Connectivity ....................................................................................................................9 6.1.2. Browser types ..................................................................................................................9 6.1.3. Hosting provider .............................................................................................................9 6.1.4. Data centre.....................................................................................................................9 6.1.5. Data storage...................................................................................................................9 6.1.6. Local storage ..................................................................................................................9 6.1.7. Backup and archive ...................................................................................................10 6.1.8. Disaster recovery .........................................................................................................10 6.1.9. Help and support .........................................................................................................10 6.1.10. Fair use / data storage / restoration ....................................................................10 6.1.11. System Timeout ..........................................................................................................10

7. Overview and conceptual framework...................................................... 11 7.1. Overview of the risk-based approach ..........................................................................11 7.2. Methodology ........................................................................................................................11 7.3. Data Sources.........................................................................................................................12 7.4. Purpose of the Country Risk Assessment Tool ..............................................................13 7.5. What does the Country Risk Assessment Tool measure? .........................................13 7.6. Limitations ..............................................................................................................................13 7.7. User Types and Roles...........................................................................................................14

8. Getting started.................................................................................................. 15 8.1. Home Page ...........................................................................................................................15 8.2. Register ...................................................................................................................................15

8.2.1. Online payments .........................................................................................................16 8.2.2. Online payments .........................................................................................................21 8.2.3. Pricing Structure ...........................................................................................................22 8.2.1. Discount Codes............................................................................................................23

8.3. Sign In ......................................................................................................................................23


9. Configuring and calibrating the Country Risk Assessment .................. 25 9.1. Overview ................................................................................................................................25 9.2. Using the Country Risk Assessment .................................................................................25

9.2.1. Custom Jurisdiction Ratings ......................................................................................25 9.2.2. Creating customised snapshots ..............................................................................26

9.3. Viewing snapshots ...............................................................................................................28 9.4. Account Management .....................................................................................................29

9.4.1. Users .................................................................................................................................29 9.4.2. Payments .......................................................................................................................30 9.4.3. Assigning Users ..............................................................................................................31

9.5. Password Management ....................................................................................................32 10. Support ............................................................................................................... 33

10.1. Technical Support ..............................................................................................................33 11. Feedback and suggestions .......................................................................... 34

12. Partnership and/or Investment Opportunities......................................... 35


1. Disclaimer

The contents contained within the Country Risk Assessment Tool (CRAT) and this User Guide are provided for general information only and do not constitute the provision of professional advice. The content of the CRAT contains information that will assist organizations to assess country risks as part of a broader risk management framework. Before any action or decision is taken on the basis of any materials the user should obtain appropriate independent professional advice. Any conclusions drawn are based on inputs and configurations made by the Company Admin user. Financial Crimes Consulting Pty Ltd does not warrant that the CRAT contains all considerations necessary to consider risk for your purposes and accepts no responsibility or liability for any loss suffered as a result of reliance on the materials contained within this product. The purchaser of the CRAT indemnifies Financial Crimes Consulting Pty Ltd and all associated business partners or companies against all loss, damages, claims, liability, expenses, payments or outgoings incurred by or awarded against the end-user arising directly or indirectly from any third party, including but not limited to:

(i) The end users use of the CRAT. For the avoidance of doubt, this means that if the end-user is ever sued or the subject of criminal or civil penalties from other third parties and/or regulatory bodies, including but not limited to fines or compensation that Financial Crimes Consulting Pty Ltd will be fully indemnified.

(ii) Any act or omission of Financial Crimes Consulting Pty Ltd including any negligence, unlawful conduct or wilful conduct by Financial Crimes Consulting Pty Ltd relating to this agreement or arising as a consequence of the performance or non-performance of the products or services, intellectual property infringement, breach of confidentiality, misleading and deceptive conduct or other legal liability

(iii) Any action taken by international regulators or third parties against the end users of the CRAT, the end user indemnifies Financial Crimes Consulting Pty Ltd against any liability and indemnifies and protects Financial Crimes Consulting Pty Ltd against any liability.

End users that use the CRAT are taken to have agreed to the above terms and conditions and indemnities.


2. Glossary

2.1. Key Terms

Term Description CRAT Country Risk Assessment Tool. Company Admin User with permissions to configure the risk assessment tool. End-User Users with permissions perform risk assessments. Risk Factor These are the questions that are included in the CRAT. Risk Score The weight that has been assigned to the risk factor:

0 = Not Applicable 1 = Extremely Low Risk 2 = Predominantly Low Risk 3 = Very Low Risk 4 = Low Risk 5 = Moderately Low Risk 6 = Average Risk 7 = Moderately High Risk 8 = High Risk 9 = Very High Risk 10 = Extremely High Risk

Risk Trend Whether the risk score is increasing or decreasing over time.

3. Purpose of this document

The purpose of this document is to describe the core functions of the CRAT, and to explain to Company Admin how to configure, calibrate and conduct country risk assessments using the tool. The document contains the following key sections:

• Overview and conceptual framework • Getting started • Configuring and calibrating the Country Risk Assessment


4. Target audience

The Country Risk Assessment Tool is targeted at any audience that is interested in country risks and includes (but is not limited to):

• Financial and non-financial businesses offering ‘designated services’ under Anti-Money Laundering legislation

• AML/CTF Regulators and Financial Intelligence Units (FIUs) • Financial crime prevention/compliance experts – AML, Anti-Bribery and

Corruption, Fraud, Sanctions and Tax Evasion (FATCA) • Business Development Managers looking to expand into overseas markets • Mergers and Acquisitions staff looking to acquire business targets or form joint

venture relationships into overseas markets • Governments and policy makers • Non-Government Organisation’s • Academics and Researchers

This document is intended to assist the following users to understand more about the Country Risk Assessment Tool:

• Company Administrators – these are typically staff who operate in risk and compliance functions that have responsibility for identifying, managing and mitigating against financial crime risks

• End Users – these users will be provided with read-only snapshots of the country risk assessment

4.1. Assumed knowledge

It is assumed that Company Administrators that are responsible for configuring and calibrating the risk assessment have a detailed knowledge of the internal and external operating environment of the organisation, as well as, as an understanding of the risk-based approach and the various factors that should be considered in conducting a risk-assessment. If your organisation does not have suitably qualified staff to perform this role Financial Crimes Consulting Pty Ltd, offer Consulting Services and can assist in the initial setup of the CRAT It is assumed that end-users have a good working knowledge of the internal and external operating environments such that a determination can be made about whether the risk attribute exists within the organisation. In addition, it is assumed that the end-user has a thorough understanding of the control framework that may exist to mitigate or minimise the impact of the identified risks.


5. Legal matters

It is important to understand the role of the CRAT – we do not know your business as well as you do, but the CRAT has been designed and built based on years of deep experience in compliance matters. The CRAT has been designed as a framework for risk and compliance staff to reflect on the internal and external environments and use this knowledge and experience to configure; calibrate and complete risk assessments, which are appropriate to the circumstances. The CRAT provides opportunities to document the rationale behind deviations from the default settings but due to the diverse nature of users from a variety of industry sectors and organizations within each sector it is not appropriate for Financial Crimes Consulting to provide warranties that by using our products that the country risks will be fully understood, mitigated and managed. The End User License Agreement (EULA) contemplates these issues and sets out the terms and conditions of use, as well as, your rights in relation to the use of the CRAT. Due to the nature of the product we require all users to indemnify Financial Crimes Consulting Pty Ltd. against any liabilities associated with using the CRAT. The EULA is required to be both acknowledged and accepted as part of the initial registration process and ongoing usage of the CRAT is considered to be acceptance of the terms outlined in the EULA.


6. System Requirements

6.1. Technical requirements

6.1.1. Connectivity

The tool is thin client – meaning that most processing and storage occurs on our servers. A modest Internet connection is required to input data and browse through the CRAT.

6.1.2. Browser types

The CRAT operates across all of the following browsers:

• Safari • Mozilla Firefox • Google Chrome • Internet Explorer

6.1.3. Hosting provider

Our hosting services provider is Sententia Pty Ltd, which has been providing hosting and mission critical services for government, financial services, telecommunications companies and other organisations since 1989. Among other things, Sententia is known for data centre architecture and Payment Card Industry ("PCI") standard hosting solutions. It is this expertise that Sententia has brought to the hosting of our application and product / solutions.

6.1.4. Data centre

Our solutions are hosted in a Tier One data centre which offers outstanding physical and virtual security, with 24 x 7 guards and biometric security access to the physical hardware assets and locked cabinets within the data centre. The applications are monitored on a 24 x 7 basis with full alerting to the technical consultants responsible for managing our applications. Servers used are best of breed Process Area Network (“PAN”) managed, meaning that we can increase server assets – particularly processing, memory and networking assets in real time. Of course performance is monitored, so if any hosting resources become a constraint, our consultants are alerted and resources can be added to ensure satisfactory performance.

6.1.5. Data storage

Our application systems and client data are stored on commercial grade SAN solutions which offer snap-shoting of data for better recovery time objectives and the ability to “roll forward and roll-back” in time for dedicated client instances of our applications.

6.1.6. Local storage

Users will need some capacity to upload and download documents including reports generated at the completion of risk assessments.


6.1.7. Backup and archive

In addition we offer sophisticated daily backup, weekly and monthly archive facilities where application and user data are stored on tape, which is taken off site.

6.1.8. Disaster recovery

With the offsite tape storage and sophisticated provisioning of server and user access, we offer very responsive data recovery time frames.

6.1.9. Help and support

Our standard offering is to offer help and support services by web and email. Our support desk operates between 9am and 5pm Monday to Friday in normal business hours from Sydney Australia. Premium support is available outside of those hours. Please contact us for a quote if you require it.

6.1.10. Fair use / data storage / restoration

Our data storage within the offered solutions is intended to allow relevant contextual documents to be stored in conjunction with assessment products. These typically include policy documents, audits and other supporting materials as well as printed assessments from our products. Our storage solution was not intended, to be used for transactional material, such as, customer identification documents, transaction monitoring reports and the like. We offer 500MB of storage per user, which means that most plans that we offer allow more than adequate storage for the use of our solutions. Beyond this level, we reserve the right to charge AUD$50 per GB per month for storage, and will not guarantee recovery of any documents stored beyond this level. For client accounts that are not renewed within 90 days of expiration, we do not guarantee restoration or access of any data. For any legal access to your data, we will not provide access without a court order or without notifying you first where we are legally allowed, but a term of our contract with you is that you agree to pay any costs incurred by us in the provision of data for any matter including investigations, litigation and the like. Our charges for these matters are AUD$1000 per matter and AUD $400/ per hour plus disbursements for searching, extraction and copying of data. Restoration of data by request from the authorised delegate from your account is available at the same rate; this would typically involve costs of disk recovery, tape restoration and the like.

6.1.11. System Timeout

The CRAT has an in-built timeout feature that automatically logs the user out of the system if it has been inactive for more than 60 minutes.


7. Overview and conceptual framework

7.1. Overview of the risk-based approach The term risk-based approach means that not all risks are equal and recognizes that the efforts to mitigate and manage risks can be achieved in a way that is proportionate to the risk. The major advantage of a risk-based approach is that organizations can develop policies, procedures and processes in-line with the composite risk profile, which is a more efficient and cost-effective approach to risk management. However, in deciding to adopt a risk-based approach this creates a requirement for the organization to fully understand and rate the relative importance of risk factors and risk dimensions that exist for their specific business. This understanding leads to a more sophisticated approach to risk management, regardless of the particular risk in question. 7.2. Methodology Firstly, Financial Crimes Consulting compiled a list of 260 countries based on the International Organisation for Standardization (ISO) – Country Codes, which has been established since 1947. Secondly, we referenced over 25 credible third-party data sources, grouped across five risk factor dimensions and marked the ‘actual’ score against each country. Thirdly, we applied expert judgment to normalize the actual score for each data source; the methodology for this is available to our users. Finally, we reviewed the composite risk scores across each of the 25+ risk factors and apply an expert judgment to derive the overall risk score for a country, which is based on a sliding scale from 1 (Extremely Low Risk) to 10 (Extremely High Risk). As a result of applying a qualitative expert assessment the individual risk factors are not weighted equally or statistically, with greater emphasis placed on certain risk factor dimensions than others. Applying purely mathematical calculations to derive an overall risk factor was considered initially but discounted due to the wide range of different variables and the potential for over or under-estimating key metrics. Country risk assessment is more of an art than an exact science!


7.3. Data Sources Financial Crimes Consulting do not generate our own data, instead, we aggregate trusted third-party data from over 25 credible sources including; Transparency International; the World Bank; the World Economic Forum; the Financial Action Task Force (FATF); the United Nations and the Organisation for Economic Co-operation and Development (OECD), among many others. Since all the third-party sources use different metrics to assess the country risks, we employ normalization and aggregation techniques to generate our own overall risk score and rating based on the component sources, applying expert judgment to derive the final overall country risk score. The sources that are used have been selected as the best indicators of a countries overall performance against key social, political, economic and financial crime risk factors including:

• Civil rights • Political environment and the extent of corruption and transparency • Judicial strengths in upholding the laws of the land • Bank secrecy laws and other financial regulations • International co-operation and participation in global conventions, for

example, OECD, FATF or United Nations sanctions • Compliance and regulatory oversight of AML/CTF laws

The table below summarises the data sources that are used in the CRAT:


7.4. Purpose of the Country Risk Assessment Tool

The purpose of the Country Risk Assessment Tool includes:

• Assisting users to understand country risk factors • Providing a full audit trail of risk-based assessments and allow periodic

monitoring

7.5. What does the Country Risk Assessment Tool measure?

The Country Risk Assessment Tool measures the risks of each country using over 25 credible third-party data sources that provide an assessment of the countries risk profile across the following risk factors dimensions:

• Money Laundering and Terrorism Financing Risk Factors • Anti-Bribery and Corruption Risk Factors • Financial and Transparency Standards Risk Factors • Public Transparency and Accounting Risk Factors • Political and Legal Risk Factors

7.6. Limitations

The methodology that we have used relies upon expert qualitative judgment to consider all of the inputs and to derive an overall risk factor based on this rather than mathematical computations. The overall results and scores of the country risk assessment provide a simplified methodology for comparison of countries based on a wide variety of independent sources using inconsistent metrics. As a result, the overall country risk assessment tool should not be viewed as a factual or purely quantitative measurement of country risk but can be used to inform the user of the assessments made by leading international bodies against different risk dimensions. Users have the ability to over-ride and modify the country risk settings based on their own interpretation, if their view differs to that of our expert panel. Country risk is not a static variable due to a diverse set of changes that can occur including changes to; government or political regimes; wars and civil conflicts; government regulations; co-operation with international treaties; international sanctions; economic stability and many other factors. The country risk assessment tool is updated bi-annually, meaning that one or more risk factors could change in between the periods when the tool is updated and the current situation may reflect differences in the country risk assessment model at any given point in time. Similarly, the third-party data sources that are used in the country risk assessment tool are conducted by the third parties at different intervals and therefore the current results may not exactly reflect the situation.


An example of this would be the Financial Action Task Force (FATF) or regional FATF bodies that conduct mutual evaluations of more than 140 member countries, typically on a four-year review cycle, meaning that in the interim period the country may have implemented and improved the controls which may effectively reduce the risk than the one reported until such time as the next mutual evaluation is conducted. Finally, not every country is included in every one of the third-party data sources. In the absence of data a professional expert assessment has been made to normalize the score for this particular factor based on an assessment of other factors. Financial Crimes Consulting reviews the methodology used in the country risk assessment tool periodically and would welcome comments and suggestions for improvements that could be made to our approach.

7.7. User Types and Roles

There are three user types and roles:

• Super Admin – this function is controlled by the operators of the CRAT and will be invisible to all users. This is where the global country risk ratings are managed

• Company Admin – this function is the administrator for the organisation and

the account is typically used to configure the CRAT and manage user accounts

• End-User – this function will have view-only snapshots of the detailed and

summary country risk assessments


8. Getting started

8.1. Home Page

The home page for the CRAT can be accessed at: www.countryriskassessment.com

There are two main options on this page:

Register – for new users looking to purchase access to the CRAT Sign In – for returning users

8.2. Register

Clicking the blue “Register” button in the top right hand side of the screen will open the registration page below:


Once the registration details have been provided users will be directed to the PayPal page.

8.2.1. Online payments

The CRAT supports both online and offline payments. The following screenshots step through the process for online payments using the PayPal payment gateway, but we also support offline payments outside of PayPal, which is described in section 8.2.2.

Our pricing is tiered based on the number of employees and the annual revenue, to reduce the annual license fee to the appropriate tier the following discount codes should be applied, which will have the effect of reducing the prices to the correct annual license price. Additional users can be added, as well as, consulting services, where our experts can guide you through the CRAT and assist your organisation in the configuration and customization of the risk assessment to your specific requirements. Once the coupon code has been entered, click the ‘Apply’ button and this will recalculate the Net Amount that is due.


In order to proceed with your purchase, you must tick the checkbox to acknowledge that you agree to the Terms and Conditions and the End User License Agreement. For online payments, click the ‘Pay Now’ button and this will take you through the payment process using PayPal. You will be provided with a summary of your order and the option to either login to your PayPal account or alternatively pay by credit or debit card.

Simply enter the credit card and address details and once your payment has been successfully processed an email will be sent automatically to the email that has been provided.


A summary of the order will be provided for review. To confirm click Pay Now.


Once PayPal has processed the order you will see the following confirmation.

You will also receive an email similar to the one shown below:


And will then be re-directed to the CRAT website, where you will be able to Sign In.

An email confirmation of the purchase order is also sent to Financial Crimes Consulting Pty Ltd.

A copy of the invoice is available to be viewed by Company Admin users and is explained in 9.7.2. After making a successful purchase via PayPal this message is displayed:

After clicking ‘Go to Dashboard’ the user is directed to Account Management (see 9.7.3)


8.2.2. Online payments

Financial Crimes Consulting also supports offline payments for users that wish to purchase payments via alternative methods to PayPal. We support the following payment types:

Credit card – American Express, Visa, MasterCard and Diners Cheque Electronic Funds Transfer

To process offline payments, simply download the form below:

http://www.countryriskassessment.com/media/FCC-Country-Risk-Assessment-Form-170513.pdf

And email this to [email protected] or [email protected] On receipt of your payment we will process your order manually. We will confirm receipt of the funds or will provide a receipt once payment has been made. You will also receive a confirmation email with your login credentials, which you can use to invite end-users based on the number of additional users that have been added. The manual invoice will be added into the Account Management folder, so that it is visible to Company Admin users in exactly the same way as if the purchase were automated via PayPal.


8.2.3. Pricing Structure

Our pricing structure is tiered depending on either the number of employees or the size of the annual revenues of your organization. The pricing consists of an annual license fee, which essentially provides access to the CRAT for 12 months from the date of purchase for one Company Administrator and one End-User. Additional users can be added either at the time of purchase, or at any time afterwards by the Company Admin user. If additional users are added after the initial time of purchase the access and cost is pro-rated to the date cycle of the Company Administrators access and charged accordingly. The plans and pricing for the CRAT are described below:

We also provide consulting services to organizations that require expert support in configuring and calibrating the CRAT to their specific requirements. We have developed a number of relationships with suitably qualified subject matter experts that can guide you through this process either via a web-based consultation or an on-site visit. If your organization would like to use the CRAT but outside of the cloud hosted environment then we can perform a custom installation on a secure environment of your choosing1.

1 We need to be able to fully understand your requirements before we can quote for this work.


8.2.1. Discount Codes

The default fee is the Platinum Package ($9,999) but if you qualify for a discount, simply type in the discount codes outlined below and the pricing will be updated to the appropriate package.

Enter Coupon: Effect Discount Applied Annual License Fee GOLDDEAL Platinum -> Gold $4,000 $5,999 SILVERDEAL Platinum -> Silver $6,000 $3,999 BRONZEDEAL Platinum -> Bronze $8,000 $1,999 REDDEAL Platinum -> Red $9,000 $999

The discount applies only to the Annual License fee. We frequently perform checks to ensure that the correct license has been purchased.

8.3. Sign In

Clicking the dark grey “Sign In” button in the top right hand side of the screen will open the Sign In page. Simply enter the user name and password and click the Sign In button.

If you have forgotten your password, click the “Forgot password” link and this will take you to a screen where you can request that your password be emailed to the original email address used in the initial registration. Once you’ve signed in you’ll see the “Survey Snapshot Dashboard”, which contains PDF files of snapshots that have been taken previously by the Company. There is also a “Global Survey Snapshot” which is taken periodically by the Super Admin users, to maintain a view on the ‘full snapshot’ at a given point in time for historical referencing. It may look like this or have no history to reference.


The remaining steps to completing the risk assessment are documented in section 10, but prior to that it is usually appropriate to configure and calibrate the risk assessment tool to suit the requirements of your business, which is described in the next section.


9. Configuring and calibrating the Country Risk Assessment

9.1. Overview The purpose of this section of the user guide is to explain to Company Administrators how to configure and calibrate the CRAT and to manage user access and permissions within the organization. The CRAT is very flexible and was designed to be fully customizable, to cater for 260 different countries across over 25 credible external risk surveys. Company Admin users have the ability to create “snapshots” of the Country Risk Assessment by either using the default settings (every survey, every country) or by limiting the “snapshots” to only those surveys and countries which are appropriate to their circumstance, which will be explained below. The content that will be explained further in this section includes:

Using the country risk assessment Account management Password management

9.2. Using the Country Risk Assessment

9.2.1. Custom Jurisdiction Ratings

Company Admin users can modify the jurisdiction ratings in the CRAT by clicking Summary -> Ratings.

This screen provides a summary of the “default” risk score applied to each country based on a ‘professional judgment’ across all relevant survey’s, which have been set by the Super Admin users as out-of-the-box settings. Company Admin users can change the default settings for any country by selecting the Edit button in the Action column, which will display the following screen:


Company Admin users can select the Risk Rating / Risk Score from the dropdown list and must supply a rationale for modifying the default settings prior to saving. This will effect a change in the overall ratings map, which will apply any risk ratings that have been customized. Note: The Country Risk Assessment utilizes the AMMAP plug-in which dynamically plots the country risk rating on a drillable Map of the World. The AMMAP plug-in covers around 170 of the main countries in the world but there are around 90 smaller countries, territories, principalities and outlying islands which are not covered.

9.2.2. Creating customised snapshots

Selecting Survey Types

Company Admin users can tailor the content of the PDF snapshots by selecting which of the 25+ country risk assessment surveys are included by selecting and deselecting from the following screen which is accessed from the “Detail” button in the heading bar.


Selecting Countries Company Admin users can also select the countries to appear in the Country Risk Assessment. The default (which is shown) has all countries selected.

By deselecting “Select All Countries” this will remove all countries, which can be added manually by simply typing in the first initial of the country and selecting.

Once the surveys and countries have been selected either select “Go” which will display the detailed survey information based on the selection or select “Create Snapshot” which will create a snapshot of the survey. The PDF of the survey will be available in the audit history on the homepage.


9.3. Viewing snapshots After completing the snapshot, a PDF report will be generated that dynamically summarises the results, which includes:

Country Risk Assessment – Summary (World Map) Country Risk Assessment – Detail

Country Risk Assessment Summary (World Map) The default view is a World Map, which is dynamically driven map. Simply select the country on the map or in the dropdown country selection tab to see the detailed scores for the selected country.

The map automatically, drills down to the country selected for a closer look.


Assessment Detail In the blue summary bar, the composite risk rating is displayed. This is based on a professional judgement, considering all available data sources.

Whenever the country has not been included in a particular assessment this is represented by the light blue shading on the survey detail box. 9.4. Account Management Company Admin users have permissions to manage their account information and can view the following information:

Users Payments

9.4.1. Users

The names and user permissions of the users are listed under Settings -> Account Management. Company Admin users have the ability to assign alternative users with Company Admin permissions. Users can also be deleted from this screen.


9.4.2. Payments

Full payment history is viewable by Company Admin users, under Settings -> Account Management, simply click on the green ‘+’ icon and this will drill down into the invoice.

Company Admin users have three options with the invoice, based on the icon selection in the top left hand of the window:

Email a copy of the invoice Download to PDF Print a PDF


9.4.3. Assigning Users

Once a purchase has been made, either at the time of initial registration or at a later stage when upgrading an account, Company Admin users will be directed to this screen, which is used for managing permissions of the End-Users. The Company Admin will be able to view the number of end user licenses that have been purchased, the number of this, which are active, and the number which are still available to use. Company Admin users then can assign themselves as an End-User by clicking the ‘Make me a User’ button, as well as, invite other users within their organisation by adding their email address and clicking the ‘Invite’ button.

After an invite has been sent to a new user, their details will be added to the Invited Users column. They will also see the following email that invites them to register their account and provide personal details including the unique password that the End-User would like to set.


9.5. Password Management The password can be reset at any time by clicking Settings -> Change Password. Then simply enter the old password and the new password, which needs to be confirmed and the password will have been reset. Passwords must be at least 8 characters in length and must contain an alphanumeric character.


10. Support We are committed to providing effective support and services to our clients.

10.1. Technical Support To log a support ticket from within the CRAT, click on the “Technical Support” button at the top of every page, enter the details and click the submit button. To assist our technical support team, please provide a comprehensive description of the issue including; the steps leading up to the issue and an explanation of the issue (preferably with screenshots attached). We will respond to your query within 48 hours, however if the matter is urgent, please contact us on any of the following: E-mail: [email protected] Telephone: +61 (02) 8001 6433 Or you can write to us at: Financial Crimes Consulting Pty Ltd, Tower 2, Level 20, Darling Park, 201 Sussex Street, Sydney, NSW 2000 Australia Alternatively, you are welcome to contact Anthony Quinn, Owner Financial Crimes Consulting on +61 (0) 431 157006.


11. Feedback and suggestions

To ensure that we can continue to improve our product offerings we encourage our users to provide feedback – no matter how big or small the suggestion we would like to hear about it so we can prioritise future development work. We have built in a ‘Feedback’ tab on the side of every screen of the CRAT so that you can pass on your comments whenever you are using our products. Simply, click the ‘Feedback’ tab and this screen will appear for you to provide comments:

We regularly review the feedback that our users provide and use this to plan future releases of our products with our development team, so please send in your suggestions to help us to refine and improve our products. Financial Crimes Consulting Pty Ltd., as operators of the CRAT, reserve the right to capture the details of customisations that have been applied by our user base, so that we can decide whether to include added questions into the standard set of default questions in future releases. To be added to the CRAT user community group, please email us on [email protected] and we will ensure that you receive the latest information on upcoming releases to the CRAT.


12. Partnership and/or Investment Opportunities

Financial Crimes Consulting Pty Ltd., has forged many different types of partnerships in Australia and internationally. We are looking to expand our footprint into different countries around the world and are actively seeking subject matter experts and distribution partners that would like to enter into a reseller relationship with us and receive a commission for any referrals to our financial crime prevention products. We offer reseller arrangements on the CRAT, the details of which can be found on the following web page: http://countryriskassessment.com/pages/partners.php If you would like to receive a distributor / reseller pack, please complete the form on this page and one will be emailed to you. Alternatively, contact us to discuss this further, so we can find out more. We also offer other cloud-based risk assessment tools, including: www.moneylaunderingriskassessment.com www.antibriberyriskassessment.com www.onlinefraudriskassessment.com As well as other related solutions including: www.formsbox.com - digital mailbox management www.trackthebuzz.com - social media monitoring www.fatcataxforms.com - self-certification tool for FATCA Financial Crimes Consulting have also developed a series of online training courses for (Anti-Money Laundering, Anti-Bribery and Corruption, Fraud, FATCA and Sanctions): http://elearn.financialcrimesconsulting.com We are interested in forging strategic partnerships and alliances, that can assist us in taking our products and services to the next level, so if you are interested in discussing potential investment or business opportunities across any of our products we would welcome the opportunity to discuss this further.