Customer risk rating model: factors, scoring, and governance

Design a customer risk rating model for {institution_name}.

Inputs:
- Customer types and products: {customer_types_products}
- Jurisdictions served: {jurisdictions}
- Risk factors available (PEP, industry, volume): {risk_factors}
- Regulatory expectations summary: {reg_expectations}
- Data quality constraints: {data_constraints}

Output:
1) Risk factors and scoring rubric (weights and rationale).
2) Risk tier definitions and required due diligence level (SDD/CDD/EDD).
3) Governance: approvals, review cadence, overrides, documentation.
4) Monitoring triggers and periodic review schedule.
5) Implementation checklist and data gaps.

Do not provide jurisdiction-specific legal conclusions; focus on a robust framework.