CDD & Risk Rating Command Center

Atlas Commercial Bank · Q1 2025 · Trade Finance & Correspondent Banking

As of March 15, 2025 · Post-February Model Recalibration

Risk-Adjusted Revenue
$847M
-4.2% QoQ
CDD Completion Rate
94.7%
+1.8pp
Rating Drift Velocity
18%
+6.3pp
EDD Case Backlog
1,847
+38% recal.
UBO Completeness
87.3%
-0.2pp
Discrimination Index
0.34
-0.04 vs. target
High-Risk RM HHI
0.27
Desk 3 critical

Risk Tier Migration — February Recalibration Impact

Low 3,240 Medium 4,580 High 890 Low 3,105 Medium 3,470 High 2,135 Pre-Recal Post-Recal 1,240 customers migrated Medium→High after wire-velocity feature addition

EDD Case Backlog Aging by Trigger Type

Rating Distribution Shift & Discrimination

High-Drift Customer Portfolio — Last 90 Days

Customer ID Entity Name Relationship Manager Previous Rating Current Rating Drift Score Primary Trigger Revenue (QTD) EDD Status
C-48291 Meridian Trade Corp J. Chen (Desk 3) Medium High 8.4 Wire velocity +340% $2.4M Pending 18d
C-51203 Apex Global Logistics J. Chen (Desk 3) Medium High 7.9 New sanctioned geo $1.8M Pending 22d
C-44782 Horizon Shipping Ltd M. Rodriguez (Desk 1) Low Medium 6.2 Product mix change $920K In progress 6d
C-49981 Stellar Commodities J. Chen (Desk 3) Medium High 7.1 UBO change detected $3.1M Pending 15d
C-52447 Oceanic Trade Partners S. Kim (Desk 2) Medium High 6.8 Transaction anomaly $1.5M In progress 4d
C-47336 Phoenix Exports Inc M. Rodriguez (Desk 1) Medium High 6.5 Wire velocity +280% $2.7M In progress 9d
C-50124 Vanguard Commodities J. Chen (Desk 3) Medium High 8.1 Multi-factor trigger $4.2M Pending 25d
C-45893 Atlas Import Export S. Kim (Desk 2) Low Medium 5.9 Geographic expansion $1.1M Completed

Product-Behavior Misalignment Detection

Sanctions-Adjacent Geography Exposure

KYC Exception Approval Rate — 12-Month Trend

Beneficial Ownership Completeness by Entity Type

Corporation 92.4%
Target: 95%
Partnership 88.1%
Target: 95%
Trust 79.3%
Target: 95%
LLC 90.7%
Target: 95%

Rating Calibration Action Items — Critical

Desk 3 High-Risk Concentration (HHI 0.27)
J. Chen manages 47% of high-risk trade finance portfolio. Redistribute 12-15 relationships to Desk 1/2 within 30 days. Estimated revenue impact: -$680K during transition.
EDD Backlog Aging — 38% Post-Recalibration Surge
1,847 open cases; 340 aged >14 days. Deploy 2 temporary analysts for 60-day sprint. Wire-velocity triggers account for 52% of backlog; consider threshold tuning if FP rate exceeds 40%.
Discrimination Index Below Peer Benchmark
Current Gini 0.34 vs. Global Trade Bank 0.38. February model improved separation but Medium tier remains overpopulated. Phase 2 recalibration scheduled Q2 to introduce transaction-pattern clustering.