RUTH Is an innovative predictive AI/ML technology that contextualizes the way compliance and risk professionals assess actual and potential risks efficiently and effectively. RUTH collects the KYC consumer, product and transaction data from a firm. This information is measured against the regulatory requirements for suitability, Reg BI and/or fiduciary parameters and a KYC score is issued. Unlike a typical rules-based engine this score incorporates measurements for each individual data attribute and measures the entire data group to formulate an automated, non-subjective opinion of the appropriateness of the transaction.

RUTH then screens the consumer through our proprietary predictive technology for applicable life stages and life events (“LS/LE”), such as; marriage, divorce, retirement, cancer, diabetes, alzheimers, etc., and appends this information (what, when, and expense impact) to each individual consumer producing a LS/LE score.  

The KYC score and the LS/LE Score are then married to create a unique RUTH score that measures the appropriateness of the consumer recommendation/transaction now - and for the future needs of the consumer.