Built for the CBN Baseline Standards mandate
Financial-crime compliance, engineered for Nigeria.
R3 is the AI-native AML, fraud, KYC and regulatory-reporting operating system for Nigerian Tier-2 and microfinance banks — CBN-mapped, NFIU goAML-native, BVN/NIN/CAC-native, and data-resident, out of the box.
Aligned with
CBN
NFIU goAML
NDPA
NIBSS · NIMC
MLPPA 2022
real-time scoring
218ms p95
The regulatory forcing-function
Every deposit money bank and FI must move to automated, real-time AML by the CBN deadline.
Automated CDD · AI/ML transaction monitoring · dynamic risk scoring · integrated fraud + AML · tamper-proof audit trails. Roadmaps were due within 3 months; full compliance within 18–24.
14
months to full
compliance
compliance
Regulatory-native, not localised-later
Global capability. Nigerian by construction.
Where Flagright, ComplyAdvantage and Unit21 bolt Nigeria on as a config, R3 is shaped like the regulation itself.
CBN-mapped controls
Pre-mapped to the 2026 Baseline Standards, BOFIA, MLPPA and NFIU guidelines. Audit trails and reports shaped to what a CBN examiner asks for.
Native identity rails
BVN, NIN, CAC and account-name verification wired directly into CDD and ongoing monitoring — not treated as custom integrations.
NFIU reporting, out of the box
Native STR/CTR/CBR generation in goAML XML, validated against schema before submission — not a CSV you must reformat.
Data residency & sovereignty
Hosted in-country under the NDPA. No offshore replication of PII — the objection that stalls foreign vendors, resolved.
Local threat models
Tuned to agent/POS fraud, USSD & SIM-swap, mobile-money mule rings, APP fraud and structuring around the ₦5m / ₦10m thresholds.
AI-native, explainable
Anomaly, peer-group and network detection with every alert explaining which rule and features fired — plus auto-drafted SAR narratives.
One platform · eight pillars
The whole compliance stack, unified.
01
KYC / CDD orchestration
BVN/NIN/CAC, risk-based tiers, continuous re-verification.
02
Transaction monitoring
Rules + AI/ML anomaly, peer-group and network detection.
03
Sanctions & PEP screening
UN/OFAC/EU/UK + local lists, fuzzy matching, re-screening.
04
Dynamic risk scoring
Event-driven, explainable composite scores with factor history.
05
Case management
Unified workspace, four-eyes review, AI-assisted narratives.
06
NFIU & CBN reporting
goAML STR/CTR/CBR + periodic returns, immutable filing register.
07
Integrated fraud
Real-time NIP/USSD/POS/card scoring feeding one risk view.
08
Analytics & audit
RBAC/SSO, tamper-proof logs, examiner mode & export packs.
Deploy in 8–12 weeks. Priced for your balance sheet.
Naira pricing, low-code deployment, connectors for BankOne, Finacle, T24, Flexcube, Neptune and NIBSS rails.
