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Fraud Risk Calculator.

Answer 20 diagnostic questions across the four pillars of the Fraud Triangle and receive an instant, ML-scored fraud vulnerability rating — with domain scores, radar analysis, and prioritised recommendations.

100% Client-Side Privacy All evaluations and calculations run strictly inside your browser memory. No responses, scores, or company parameters are transmitted to any server or database.

Step-by-Step Assessment

Rate your organisation across all four domains.

For each question, select how frequently the described condition applies in your organisation — from Never to Always. Work through all four tabs to generate your full fraud risk profile.

Overall Progress0 / 20 questions answered

Domain 1 of 4

Opportunity

Assesses whether conditions exist that would allow fraud to occur — weak controls, limited oversight, or poor segregation of duties.

1.Are there assets, cash, or systems with limited access controls?

2.Could an employee override controls without supervisory detection?

3.Are there significant gaps in segregation of duties?

4.Is management oversight of transactions inconsistent or absent?

5.Are physical or IT security controls weak or outdated?

This tool runs entirely in your browser. No data is transmitted or stored.

Answer all 20 questions across the four domains to generate your fraud risk rating

Methodology & Framework

How this assessment works.

This tool is grounded in two widely recognised frameworks: the Fraud Triangle (Cressey, 1953) — which identifies Opportunity, Pressure, and Rationalization as the three conditions enabling fraud — and the COSO Internal Control Framework, which adds Control Environment as a fourth dimension reflecting governance and oversight quality.

Responses across all 20 questions are averaged into four domain scores (1–5 scale) and evaluated against trained classification thresholds. The model was calibrated on expert-labelled combinations of domain scores using polynomial feature expansion and softmax classification.

Opportunity

Conditions that allow fraud to occur — weak access controls, poor segregation of duties, or limited oversight.

Pressure / Incentive

Financial or organisational pressures that motivate individuals — aggressive targets, personal hardship, or fear of job loss.

Rationalization

Cultural attitudes that allow individuals to justify dishonest behaviour — perceived unfairness, leniency on violations, or a "bending rules" culture.

Control Environment

Anti-fraud governance strength — tone from the top, whistleblowing channels, fraud training, and detection programmes.

Risk Level Definitions

Low

Fraud risk is well-controlled. Maintain current controls and monitor on a regular cycle.

Medium

Elevated risk in one or more areas. A targeted remediation plan with agreed timelines is warranted.

High

Significant fraud risk exposure. Escalate to senior management and initiate root cause remediation.

Critical

Severe, systemic fraud risk. Immediate Board or Audit Committee notification and intervention required.

Rating	Meaning	Domain Score Implication
Never (1)	The condition does not exist in your organisation.	Contributes to a Low domain score
Rarely (2)	Occurs only in exceptional circumstances.	Contributes to a Low–Medium score
Sometimes (3)	Occurs periodically and is not consistently managed.	Contributes to a Medium score
Often (4)	A recurring condition without reliable mitigation.	Contributes to a High score
Always (5)	A persistent, unmitigated condition.	Contributes to a Critical score

Scored High or Critical?

An elevated score indicates structural vulnerabilities that standard sampling easily overlooks. Let's discuss an independent forensic review before exposure crystallizes into cash leakage.

Discuss a Remediation Mandate