Computer implemented methods and systems of processing transactions to determine the risk of transaction convert high categorical information, such as text data, to low categorical information, such as category or cluster IDs. The system enables various members of the organization to follow a set of defined core processes to engage stakeholders by understanding the stakeholder’s business and building a trusted advisor relationship. The memory may be a standalone module adapted for use with a cellular telephone having a suitable interface and the data may be updated by the club administrator so as to ensure that the data is constantly current.