A system and method for building a predictive score without model training are disclosed. A set of predictive variables is defined based on raw data fields generated from raw data from one or more sources and domain knowledge. The raw data includes a historical set of transactions previously generated by one or more raw data sources. An scaled relative risk table to describe each predictive variable of the set of predictive variables is generated. The set of predictive variables is combined based on their associated relative risk tables to generate a predictive score for a future set of transactions.