Ultimately, the weight given to each of these factors is likely to vary from product to product and customer to customer (or category of customer) and from one firm to another. When weighting risk factors, firms should ensure that:

a) weighting is not unduly influenced by just one factor;

b) economic or profit considerations do not influence the risk rating;

c) weighting does not lead to a situation where it is impossible for any business relationship to be classified as high risk;

d) the provisions of Directive (EU) 2015/849 or national legislation regarding situations that always present a high money laundering risk cannot be over- ruled by the firm’s weighting; and

e) they are able to over-ride any automatically generated risk scores where necessary. The rationale for the decision to over-ride such scores should be documented appropriately.