SYSTEMS AND METHODS FOR DETERMINING RISK OUTLIERS AND PERFORMING ASSOCIATED RISK REVIEWS

• US 20120046989A1
• Filed: 01/25/2011
• Published: 02/23/2012
• Est. Priority Date: 08/17/2010
• Status: Abandoned Application

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Paltenghe, Cris T., Pritmani, Ravi, Renfro, Chadwick R., Baikalov, Igor A., Antilley, Dan P. Jr., Deats, Jonathan William, Hansen, Robert Alan, Langsam, Peter Jordan, Warn, Carmen M.
• Application Number:
  US13/013,695
• Publication Number:
  US 20120046989A1
• Time in Patent Office: Days
• US Class Current: 705/7.28
• CPC Class Codes: G06Q 10/0635 Risk analysis of enterprise or organisation activities

Abstract

Embodiments of the invention relate to risk review assessments and, more particularly to determining risk review candidates by identifying two or more community categories, determining risk scores for each user/employee across risk categories, normalizing the risk scores based on community averages and community standard deviations and determining risk review candidates by comparing the normalized risk scores to predetermined thresholds. In additional embodiments, an outlier reinforcement score for each user/employee by summing all of the positive-valued normalized risk scores across the two or more communities and comparing the outlier reinforcement score to a predetermined threshold.

Claims

1. A method for risk review candidate determination, the method comprising:

identifying two or more community categories within an entity;

determining, via a computing device processor, for a plurality of employees associated with the entity, one or more raw risk scores, wherein each raw risk score is associated with a risk category;

determining, via a computing device processor, community averages and community standard deviations for each community within the community categories based on the one or more raw risk scores;

determining, via a computing device processor, for the plurality of employees, one or more normalized risk scores, wherein each normalized risk score is based on the raw risk score and associated with a corresponding risk category and a corresponding community; and

determining, via a computing device processor, one or more risk review candidates from amongst the plurality of employees by comparing the normalized risk scores to predetermined normalized risk score thresholds.

2. The method of claim 1, further comprising determining, via a computing device processor, for each of the plurality of employees, an outlier reinforcement score.

3. The method of claim 2, wherein determining an outlier reinforcement score further comprises determining, via the computing device processor, for each of the plurality of employees, the outlier reinforcement score wherein the outlier reinforcement score is determined by summing all of the positive-valued normalized risk scores within a community to result in an overall community score and summing all of the overall community scores to result in the outlier reinforcement score.

4. The method of claim 2, wherein determining the one or more risk review candidates further comprises determining, via a computing device processor, the one or more risk review candidates by comparing the outlier reinforcement score to a predetermined outlier reinforcement score threshold.

5. The method of claim 1, wherein identifying further comprises identifying two community categories within the entity, wherein a first community category is characteristically broad and a second community category is characteristically narrow.

6. The method of claim 1, wherein identifying further comprises identifying two community categories within the entity, wherein each community category comprises a plurality of communities and each of the plurality of employees belong to one community within the community category.

7. The method of claim 1, wherein determining the one or more raw risk scores further comprises determining, via the computing device processor, for the plurality of employees associated with the entity, the one or more raw risk scores, wherein each raw risk score is associated with a risk category and the risk categories include access, behavior and export.

8. The method of claim 1, wherein determining the plurality of normalized risk scores further comprises determining, via the computing device processor, for the plurality of employees, the plurality of normalized risk scores, wherein the normalized risk scores are standard z-scores.

9. The method of claim 1, wherein determining the plurality of normalized risk scores further comprises determining, via the computing device processor, for the plurality of employees, the plurality of normalized risk scores, wherein the normalized risk score for a risk category equals the difference between a raw risk score and the community average divided by the community standard deviation.

10. An apparatus for risk review candidate determination, the apparatus comprising:

a computing platform including a memory and at least processor in communication with the memory;

a risk outlier module stored in the memory, executable by the processor and including;

one or more risk category score routines configured to determine, for a plurality of employees associated with an entity, a raw risk score;

a community average and standard deviation routine configured to determine, community averages and community standard deviations for each community within two or more identified community categories, wherein the community averages and community standard deviations are determined based on the raw risk score;

a risk score normalization routine configured to determine, for the plurality of employees, one or more normalized risk scores, wherein each normalized risk score based on a raw risk score and is associated with a risk category and a community; and

a risk review candidate determination routine configured to determine one or more risk review candidates from amongst the plurality of employees by comparing the normalized risk scores to predetermined normalized risk score thresholds.

11. The apparatus of claim 10, wherein the risk outlier module further comprises an outlier reinforcement routine configured to determine, for each of the plurality of employees, an outlier reinforcement score.

12. The apparatus of claim 11, wherein the outlier reinforcement routine is further configured to determine the outlier reinforcement score by summing all of the positive-valued normalized risk scores within a community to result in an overall community score and summing all of the overall community scores to result in the outlier reinforcement score.

13. The apparatus of claim 11, wherein the risk review candidate determination routine is further configured to determine the one or more risk review candidates by comparing the outlier reinforcement score to a predetermined outlier reinforcement score threshold.

14. The apparatus of claim 10, wherein the community average and standard deviation routine is further configured to determine community averages and community standard deviations for each community within two identified community categories, wherein a first community category is characteristically broad and a second community category is characteristically narrow.

15. The apparatus of claim 10, wherein the community average and standard deviation routine is further configured to determine community averages and community standard deviations for each community within two identified community categories, wherein each community category comprises a plurality of communities and each of the plurality of employees belong to one community within the community category.

16. The apparatus of claim 10, wherein the one or more risk category score routines configured are further configured to determine a raw access risk score, a raw behavior risk score and raw export risk score.

17. The apparatus of claim 10, wherein the risk score normalization routine is further configured determine, for the plurality of employees, the plurality of normalized risk scores, wherein the normalized risk scores are standard z-scores.

18. The apparatus of claim 10, wherein the risk normalization routine is further configured to determine, for the plurality of employees, the plurality of normalized risk scores, wherein the normalized risk score for a risk category equals the difference between a raw risk score and the community average divided by the community standard deviation.

19. A computer program product comprising:

a non-transitory computer-readable medium comprising;

a first set of codes for causing a computer to determine, for a plurality of employees associated with the entity, one or more raw risk scores, wherein each raw risk score is associated with a risk category;

a second set of codes for causing a computer to determine community averages and community standard deviations for each community within two or more identified community categories based on the one or more raw risk scores;

a third set of codes for causing a computer to determine, for the plurality of employees, one or more normalized risk scores, wherein each normalized risk score is based on a raw risk score and associated with a risk category and a community; and

a fourth set of codes for causing a computer to determine one or more risk review candidates from amongst the plurality of employees by comparing the normalized risk scores to predetermined normalized risk score thresholds.

20. The computer program product of claim 19, further comprising a fifth set of codes for causing a computer to determine, for each of the plurality of employees, an outlier reinforcement score.

21. The computer program product of claim 20, wherein the fifth set of codes is further configured to cause the computer to determine, for each of the plurality of employees, the outlier reinforcement score by summing all of the positive-valued normalized risk scores within a community to result in an overall community score and summing all of the overall community scores to result in the outlier reinforcement score.

22. The computer program product of claim 20, wherein the fourth set of codes is further configured to cause the computer to determine the one or more risk review candidates by comparing the outlier reinforcement score to a predetermined outlier reinforcement score threshold.

23. The computer program product of claim 19, wherein the second set of codes is further configured to cause the computer to determine community averages and community standard deviations for each community within two identified community categories, wherein a first community category is characteristically broad and a second community category is characteristically narrow.

24. The computer program product of claim 19, wherein the second set of codes is further configured to cause the computer to determine community averages and community standard deviations for each community within two or more identified community categories, wherein each community category comprises a plurality of communities and each of the plurality of employees belong to one community within the community category.

25. The computer program product of claim 19, wherein the first set of codes is further configured to cause the computer to determine, for the plurality of employees associated with the entity, the one or more raw risk scores, wherein each raw risk score is associated with a risk category and the risk categories include access, behavior and export.

26. The computer program product of claim 19, wherein the third set of codes is further configured to cause the computer to determine, via the computing device processor, for the plurality of employees, the plurality of normalized risk scores, wherein the normalized risk scores are standard z-scores.

27. The computer program product of claim 19, wherein the third set of codes is further configured to cause the computer to determine, for the plurality of employees, the plurality of normalized risk scores, wherein the normalized risk score for a risk category equals the difference between a raw risk score and the community average divided by the community standard deviation.