Abstract: Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk assessment and management. More specifically, embodiments of the present invention provide for a risk database that collects and/or receives transaction data. In other embodiments of the present invention, the risk database collects and/or receives asset data and liability data associated with multiple financial institutions. The data is accessed to monitor customers' risk and one or more risk management actions are initiated based on the monitored customer risk.

Abstract: Embodiments of the present invention relate to systems, apparatus, methods and computer program products for integrated risk management. More specifically, embodiments of the present invention provide for identity verification based, at least in part, on comparing transaction data received from multiple financial institutions to data associated with a current financial transactions, such as type of transaction, transaction amount or the like. The transaction data provides for basing identity verification on how a customer, a counterparty or both previously transacted, in that transaction patterns can be identified to understanding who the transacting customer or counterparty is. In additional embodiments the identity verification may be based, at least in part on other data, such as financial institution relationship data, non-financial institution transaction and/or relationship data, customer/counterparty data or the like.