Profile new clients, and assign to them a risk score based on that assessment. The client is a small wood-working shop somewhere in Ohio, has been registered a

Profile new clients, and assign to them a risk score based on that assessment. The client is a small wood-working shop somewhere in Ohio, has been registered as business for 30 years, and has a projected volume of 5-10 items sold per day? -> low risk, can be approved online. The client is some LLC or similar that sells USB cables and USB flash drives, and that has been registered as a business only days or months ago, and the client is somewhere in a jurisdiction associated with exceptionally high reports of counterfeiting? -> high risk, no online approval. Visit some office. Again: banks have been doing this for decades.