Risk Score is the first step in our future Fraud Prevention product that will be built-in throughout the whole dashboard. It is loosely based on recipient session login to widget or portal using info such as: IP Address, geolocation info, email address, device fingerprint, known bad user lists, proxies, etc.
Score between 1-99, 1-50 = green (low risk), 50-75 = orange (medium risk), 75-99 = red (high risk). If you see red, maybe have a second look. It is not a reason on its own today to believe a recipient is sketchy, just an indicator that something might not be right.
If you see a higher score you may wish to take a closer look at the recipient details but it's just a warning at the moment but currently it won't stop you from processing the payment.