CNRM - Client Network Risk Management

Definition
Client Network Risk Management (CNRM) is the framework that enables a bank to identify, assess, and manage risk across connected client entities, relationships, and roles. It integrates entity-level CLM with network-level risk intelligence to strengthen global control and resilience.

Context
CNRM extends traditional Know-Your-Client (KYC) and onboarding functions by connecting data across clients, counterparties, and jurisdictions. It supports risk oversight, structural awareness, and regulatory alignment in complex client networks.

Integrated Risk

Definition
Integrated Risk refers to the coordinated management of multiple risk types—financial, non-financial, operational, and strategic—through a single, connected framework. It focuses on how risks interact and compound across domains rather than being handled in isolation by separate control functions.

Context
In banking, Integrated Risk unites regulatory, credit, market, operational, and geopolitical perspectives into one risk view. This enables management to evaluate exposures, dependencies, and potential contagion across clients, business lines, and geographies. Within CNRM, it links client-level and network-level data so that structural, behavioural, and contextual risks can be analysed as part of one ecosystem.

Unique Identifier

Definition
A Unique Identifier is a persistent, system-wide reference assigned to each entity, ensuring that the entity can be uniquely recognised and retrieved across all platforms, products, and jurisdictions. It unifies disparate records and enables consistent linkage of client, counterparty, and related-party data.

Context
In banking, the Unique Identifier is essential to both Entity Management and CNRM. It allows a single client or entity record to be referenced across onboarding, KYC, due diligence, and risk systems—even when legacy platforms or regional variations exist. It also supports traceability in audit, risk analytics, and regulatory reporting by eliminating ambiguity in client identification.

A robust Unique Identifier model can reconcile internal IDs with external identifiers (e.g., LEI, Companies House, or tax IDs) and maintain the cross-reference logic required for network-level visibility.