1. A computer-implemented method for calculating an risk score for an entity account, the method comprising: a) calculating, by an electronic processor of a computer system, a entity score in response to at least a portion of profile data associated with at least one online or mobile network of a first entity account, wherein the calculation comprises comparing at least a portion of the profile data of the first entity account to at least one reference profile model associated with at least one online or mobile network; b) calculating, by the processor, a connections score in response to at least one connection formed between the first user account and at least a second user account through the online or mobile network; c) calculating, by the processor, an affinity score in response to an overlap between at least a portion of the profile data of the first entity account and at least a portion of profile data associated with at least a second entity account; d) combining, by the processor, the calculated entity score, the calculated connections score, and the calculated affinity score to yield an risk score for at least the first entity account; and e) determining, by the processor, accuracy of the risk score for the first entity by comparing the calculated risk score against an average score range for at least one cluster of other entities with similar affinity scores, wherein the accuracy is used to improve the at least one reference profile model.