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.
Suspected mule fan-in ring detected — ₦48.2m across 7 accounts. STR narrative drafted.
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.
Where Flagright, ComplyAdvantage and Unit21 bolt Nigeria on as a config, R3 is shaped like the regulation itself.
Pre-mapped to the 2026 Baseline Standards, BOFIA, MLPPA and NFIU guidelines. Audit trails and reports shaped to what a CBN examiner asks for.
BVN, NIN, CAC and account-name verification wired directly into CDD and ongoing monitoring — not treated as custom integrations.
Native STR/CTR/CBR generation in goAML XML, validated against schema before submission — not a CSV you must reformat.
Hosted in-country under the NDPA. No offshore replication of PII — the objection that stalls foreign vendors, resolved.
Tuned to agent/POS fraud, USSD & SIM-swap, mobile-money mule rings, APP fraud and structuring around the ₦5m / ₦10m thresholds.
Anomaly, peer-group and network detection with every alert explaining which rule and features fired — plus auto-drafted SAR narratives.
BVN/NIN/CAC, risk-based tiers, continuous re-verification.
Rules + AI/ML anomaly, peer-group and network detection.
UN/OFAC/EU/UK + local lists, fuzzy matching, re-screening.
Event-driven, explainable composite scores with factor history.
Unified workspace, four-eyes review, AI-assisted narratives.
goAML STR/CTR/CBR + periodic returns, immutable filing register.
Real-time NIP/USSD/POS/card scoring feeding one risk view.
RBAC/SSO, tamper-proof logs, examiner mode & export packs.
Naira pricing, low-code deployment, connectors for BankOne, Finacle, T24, Flexcube, Neptune and NIBSS rails.