ALGO scores stay low until a sanctions identifier or clear fraud cluster appears.
Triage, not a purity stamp
Whitelisting regulated institutional accounts is a policy choice, not a substitute for screening unknowns.
Category weights you can audit
Bands: 0-25 low, 26-59 medium, 60-84 high, 85-100 critical.
Mapping bands to actions
Document ASA identifiers beside the band. This information is not legal or financial advice.