Risk is higher right now due to being near bot nuke. However, here are my approximate estimations of risk taken from trades. The chance of punishment is the number, the potential punishment is denoted by colour. As you can see, if you are just buying gold, your account will NOT be banned / locked for RWT. Max punishment is a rollback.
Keep in mind that these risks are compounded if you have been recently banned / rolled back.
Risk Levels (Green = Bank Rollback Only)(Red = Bannable):
Buying 1-200M: 0.25/100
Buying 201-999M: 1/100
Buying 1000M+: 5/100
Selling 1-200M: 10/100
Selling 201-999M: 20/100
Selling 1000M+: 30/100
Selling 10,000M+: 50/100
Selling / Buying 10,000M+ per day: 80/100