Stop Compliance Panic Before It Starts
AML/CFT platform for SCUML and NFIU compliance, built with NDPA-compliant data protection. Reduce audit prep time by 80% with defensible evidence, not spreadsheets.
Note: Product materials and detailed control statements can be shared under NDA.
Transactions
12,847
24% this period
Ghost Transactions
23
80% resolved
Patterns Detected
3
Requires review
Open Cases
7
2 pending approval
Ghost Transaction Detected
₦2,450,000.00 • Dec 01, 2025 • No matching ledger entry
Screening Result
PEP match detected • 85% confidence • Requires review
The Compliance Reality Nigerian Boards Face
Nigeria's regulatory landscape has fundamentally changed. Directors and executives now face personal liability for compliance failures.
SCUML Registration Mandatory
All regulated businesses must register with SCUML (EFCC). Non-compliance can result in loss of license, fines, and personal liability for directors.
7-Day Reporting Window
Transactions above ₦5M (individuals) or ₦10M (companies) must be reported to SCUML within 7 days. By 2026, all reporting must be electronic.
Post-Grey List Enforcement
Having successfully exited the FATF grey list, Nigerian regulators are maintaining strict enforcement of compliance obligations to prevent re-listing, with increased legal action against non-compliance.
Your Board Needs Defensible Evidence, Not Spreadsheets
ComplianceGuard is an AML/CFT platform that turns regulatory obligations into operational workflows with audit-ready evidence. Built specifically for Nigerian financial services, fintech, real estate, and professional services firms facing SCUML and NFIU requirements, with NDPA-compliant data protection built in.
Why ComplianceGuard Exists
Nigeria's AML/CFT regulatory landscape has fundamentally changed. Financial services, fintech, real estate, legal services, accounting firms, and other regulated businesses are now under the same scrutiny as financial institutions.
The Regulatory Reality
SCUML (EFCC) now requires all regulated businesses to register, implement robust AML/CFT controls, and file Currency Transaction Reports (CTR) and Cash-Based Transaction Reports (CBTR) within 7 days. By January 2026, all reporting must be electronic via SCUML's portal.
Board-Level Liability
Directors and executives face personal liability for compliance failures. Having successfully exited the FATF grey list, Nigerian regulators are maintaining strict enforcement of compliance obligations to prevent re-listing, with increased legal action against non-compliance.
What This Means for Your Organization
SCUML Registration & Certification
Required for all regulated businesses. Ongoing compliance is mandatory to maintain certification.
Transaction Monitoring & Reporting
Transactions above ₦5M (individuals) or ₦10M (companies) must be reported within 7 days. Suspicious transactions require immediate reporting to NFIU within 24 hours.
Record Keeping & Audit Readiness
5-year record retention required. SCUML and NFIU can request evidence at any time. Your board needs defensible evidence, not spreadsheets.
Who it is for
- check_circle Boards and executives who need defensible evidence of compliance oversight and cannot afford regulatory findings
- check_circle Company Secretaries and Compliance Officers responsible for SCUML registration, CTR/CBTR reporting, and maintaining audit-ready records
- check_circle Financial services, fintech, real estate, legal services, accounting firms, and other regulated businesses now under SCUML supervision
- check_circle Operations leaders who need clear ownership, timelines, and evidence—not spreadsheets and email chains
What it helps you do
Evidence by default
Every workflow is designed to output audit friendly records.
Controlled access
Roles, segregation, least privilege; administrative actions are logged.
Tenant isolation
Each tenant operates independently, with clear boundaries.
Export ready
Records are structured for audits, reviews, and reporting workflows.
Modules
Core platform capabilities for compliance operations
Case Management
Open, assign, review, escalate, approve; decision history preserved.
Screening Workflows
Configured processes for reviews and follow-ups.
Audit and Evidence
Exports, logs, and control artefacts.
Administration
Tenant setup, role mapping, policy configuration.
Built for Nigerian Regulatory Requirements
ComplianceGuard maps directly to Nigeria's Money Laundering (Prevention & Prohibition) Act 2022, SCUML regulations, and FATF standards. Every feature addresses a specific compliance obligation.
Customer Due Diligence (CDD)
Risk-based CDD with automated ID verification, beneficial owner identification, and PEP screening aligned to SCUML requirements.
Maps to: MLPPA 2022, SCUML Registration Requirements
Transaction Monitoring & Reporting
Real-time detection of threshold transactions (₦5M/₦10M) with automated CTR/CBTR report generation. Direct integration with SCUML portal for electronic submission.
Maps to: SCUML Reporting Mandate, NFIU STR Requirements (24-hour window)
5-Year Record Keeping
Secure, searchable archive of all customer due diligence files and transaction records. Audit-ready exports on demand for SCUML inspections.
Maps to: MLPPA 2022 Record Keeping Requirements
NDPA-Compliant Data Protection
Built with privacy-by-design: encryption, access controls, consent management, and automated data retention schedules. Ensures your AML/CFT operations meet NDPA requirements and protect against data protection penalties.
Maps to: Nigeria Data Protection Act 2023 (up to ₦10M or 2% revenue fines)
Implementation Support
We do not just drop software and vanish. We help teams configure workflows, assign ownership, and run the first operational cycles.