The compliance infrastructure Nigerian financial institutions are required to build.

AI-powered FRAML platform for Nigerian fintechs and banks to meet CBN AML/CFT requirements.

Built by an ML engineer with hands-on AML and fraud detection experience in Nigerian banking

CBN AML/CFT

Directive Compliant

Compliance is now mandatory. Most teams are not ready.

CBN Circular, March 2026

Mandatory

"All licensed institutions must deploy automated AML systems." BSD/DIR/PUB/LAB/019/002. Deposit money banks have 18 months. Implementation roadmaps due June 2026.

CBN Fines, 2024

₦15B

Total fines levied by CBN across 29 banks for AML and counter-terrorism violations in 2024. Non-compliance carries regulatory, financial, and reputational consequences.

Manual Reviews

Failing

Legacy systems cannot scale with transaction volumes or meet regulatory reporting deadlines.

Enterprise Tools

$200K+

Oracle FCCM and similar platforms are priced for Tier-1 banks. Not built for Nigerian fintechs.

One platform. Three core systems.

Each engine does one job precisely. Together they cover the full CBN AML/CFT requirement stack.

Engine 01

Fraud Detection

Real-time transaction scoring designed for Nigerian transaction patterns, with ML explainability on every decision.

XGBoost + Isolation Forest models
Sub-200ms scoring latency
Mule network detection
False positive rate below 3%
SHAP explainability on every alert

Engine 02

AML Compliance

Automated AML workflows from transaction monitoring through to Suspicious Transaction Report generation.

Structuring detection
PEP & sanctions screening (OpenSanctions)
CDD / EDD risk profiling
Automated STR generation
Threshold-based alert rules

Engine 03

Regulatory Reporting

Generates, formats, and tracks all required regulatory reports for NFIU and goAML submission.

STR / CTR / SAR in PDF and JSON
goAML XML format
5-year audit trail and retention
Submission status tracking
NFIU-compliant report formats

Covers all 10 CBN AML/CFT baseline requirements

Transaction Monitoring
Customer Due Diligence
Suspicious Activity Reporting
Sanctions Screening
Audit Trails
Risk Profiling
Threshold Monitoring
Regulatory Filing
Data Retention (5 years)
Explainability

View full compliance mapping →

Built for Nigerian financial institutions

1

Built by an AML practitioner ML engineer with direct fraud and AML detection experience inside Nigerian banking and payments infrastructure, not a generic fintech tool.
2

The only integrated FRAML platform Fraud detection, AML compliance, and NFIU reporting in a single Nigerian-built system. No stitching together three vendors.
3

Deploys in 2–4 weeks REST API integration. No system replacement required. Not a 6-to-18-month enterprise implementation.
4

Priced for fintechs Accessible to Nigerian fintechs and mid-tier banks, the institutions the CBN mandate actually affects most.

<200ms

Fraud scoring latency

2–4

Weeks to deploy

CBN requirements covered

5yr

Audit trail retention