Home Core functions Supervision of Compliance and Protection of Rights Supervision in the Area of Prevention of Money Laundering and Terrorist Financing Automated RBA (Risk Based Approach) for Risk Assessment of Obligors

Automated RBA (Risk Based Approach) for Risk Assessment of Obligors

Digitalization of supervision


The Central Bank of Montenegro, in line with MONEYVAL recommendations and a modern supervisory approach, has developed and implemented an Automated RBA (Risk Based Approach) module to assess the risk of reporting entities under its supervision. This digital system enables advanced analytics, systematic risk monitoring, and prioritization of supervision for reporting entities with the highest identified risk, significantly improving the efficiency of supervisory processes and reporting quality.


The automated RBA system facilitates faster data processing and standardization of risk assessment, demonstrating CBCG’s commitment to aligning with international standards in the prevention of money laundering and financing of terrorism (AML/CFT).


Automated RBA
Key Functions
Operational Module
  • Interactive Data Entry via Supervisory Platform
  • Finalization and electronic submission
Analytical Module
  • Processing and analysis of submitted data
  • Assessment of risk sub-factors
  • Algorithmic calculation of overall risk rating
  • In accordance with established trends prioritizing supervision towards high-risk reporting entities


This digital approach not only enhances the efficiency and accuracy of supervision, but also improves transparency, standardization, and consistent application of the Risk-Based Approach (RBA), ensuring that supervision is targeted, timely, and aligned with international standards.