AI-powered FRAML platform for Nigerian fintechs and banks to meet CBN AML/CFT requirements.
Nigerian fintechs are navigating rising fraud, mounting regulation, and tools that weren't built for this market.
Compliance teams are buried in alerts, reviewing transactions manually in spreadsheets. False positive rates above 90% are common, with analysts spending most of their time on noise rather than real risk.
Nigeria lost ₦69.93 billion to fraud across 2023 and 2024, with 95,620 reported cases in 2023 alone. Sophisticated schemes such as structuring, smurfing, and mule networks remain largely invisible to rule-based spreadsheet monitoring.
CBN sanctions for AML non-compliance include licence suspension, fines, and personal liability for compliance officers. The June 2026 deadline is not a soft target.
Generic AML platforms aren't built for CBN regulations, NFIU reporting formats, or the Nigerian transaction patterns that fraud actually exploits. Local teams are left adapting foreign tools.
Five overlapping frameworks create a mandatory compliance floor, with a hard timetable to meet.
Establishes criminal liability for money laundering and mandates institutional AML programmes.
Comprehensive regulatory framework governing transaction monitoring, reporting obligations, and sanctions screening.
Standardised STR/CTR/SAR/FTR formats and submission protocols. Non-submission triggers automatic escalation.
KYC tier enforcement, PEP/sanctions screening requirements, and data privacy obligations for customer records.
VanTrace is a modular, API-first FRAML platform built specifically for CBN-regulated institutions.
29 CBN-aligned detection rules across 6 risk categories. Graph-based mule network detection. Automated NFIU regulatory reporting.
Analyst-facing web interface for alert triage, investigation workflow, and regulatory reporting. White-label ready.
ML ensemble engine combining supervised and unsupervised models for real-time fraud risk scoring on every transaction.
Every transaction flows through a single automated pipeline, with no manual handoffs.
Your platform sends a transaction event to the VanTrace API via webhook or direct integration. Supports all CBN-regulated channels.
29 AML rules run simultaneously. Dynamic risk score calculated across 6 dimensions: threshold, pattern, network, sanctions, KYC, and behaviour.
High-risk transactions trigger alerts with full context: the rule matched, risk score, linked entities, and recommended action. Low-risk transactions clear automatically.
Alert appears in the Case Management Dashboard. Analyst reviews, assigns case, applies maker-checker approval for escalations.
Confirmed suspicious activity auto-generates an STR, CTR, or SAR in NFIU-compliant JSON and PDF format. Submission tracked in audit trail.
Every action, decision, and report is written to an append-only, tamper-proof audit log. CBN examination ready at any time.
The only Nigerian-built AML engine with graph-based mule network detection and native NFIU reporting.
CTR, FTR, and structured deposit detection. All CBN and NFIU reporting thresholds enforced automatically.
Structuring, smurfing, round-trip layering, and mule network graph analysis using NetworkX.
Real-time screening via OpenSanctions. Fuzzy name matching for partial identity evasion. CPF & WMD coverage.
Auto-generated STR, CTR, SAR, and FTR in NFIU-compliant JSON and PDF. Submission status tracked per case.
CBN 2026 KYC tier limits enforced per customer tier. Tier 1–3 thresholds with automatic blocking and escalation.
Dormant account reactivation, periodic KYC refresh triggers, and cross-channel velocity monitoring.
A complete investigation and reporting interface, designed for analysts and built for CBN governance requirements.
Sortable, filterable alert queue with bulk actions. Analysts see only what requires attention, with risk score, matched rule, and linked context visible at a glance.
CBN governance requirement met out of the box. All escalations and report submissions require a second authoriser before action.
Three roles: admin, analyst, read-only. All actions require MFA. Per-tenant isolation ensures data never crosses client boundaries.
Confirmed suspicious cases auto-generate a complete SAR in NFIU JSON and PDF format. No manual drafting. Submission status tracked in case timeline.
Append-only log of every action, decision, and report. CBN examination-ready at any moment, with no reconstruction required.
White-label ready. Your brand, your colours, your domain. VanTrace powers the engine; your customers see your product.
A real-time ML scoring layer that evaluates every transaction for fraud risk before it clears.
Fraud patterns are institution-specific. The VanTrace fraud model is trained and calibrated using your historical transaction data, ensuring detection is tuned to how your customers actually behave, not a generic global dataset.
We handle the model training pipeline. You provide the data.
Requires your historical transaction data for model calibration. We handle the full training pipeline.
VanTrace maps directly to the CBN automated AML framework, with no gaps and no custom workarounds.
CDD/KYC tier enforcement with your existing Identity passthrough
Dynamic 6-factor risk score per customer and transaction
29 rules evaluated in under 500ms on every transaction
OpenSanctions + RapidFuzz fuzzy matching, CPF/WMD coverage
Full case lifecycle with maker-checker dual control
Auto-generated STR / CTR / SAR / FTR in NFIU format
Append-only tamper-proof log, CBN examination ready
AES-256 at rest, TLS in transit, per-tenant data isolation
Unified monitoring across all transaction channels and product types
ML ensemble real-time scoring engine covering the full transaction lifecycle
Built for Nigeria, not adapted for it.
| Capability | ✦ VanTrace | Manual / Spreadsheet | Generic AML Platform |
|---|---|---|---|
| CBN-specific detection rules | ✓ 29 rules, CBN-aligned | ✗ None | Partial, manual config |
| Graph-based mule detection | ✓ NetworkX graph engine | ✗ | ✗ Not available |
| Auto NFIU-format reporting | ✓ JSON + PDF, native | ✗ Manual drafting | Partial, export only |
| Real-time evaluation (<500ms) | ✓ | ✗ Batch / next-day | Varies, often batch |
| Maker-checker dual control | ✓ Built-in, CBN compliant | ✗ | Optional add-on |
| White-label / multi-tenant | ✓ Per-tenant branding | N/A | ✗ Single-tenant only |
| Nigerian regulatory alignment | ✓ MLPPA, CBN, NFIU, NDPA | Manual interpretation | ✗ Generic FATF only |
| API-first integration | ✓ FastAPI, webhook ready | ✗ | Varies |
Start with what you need. Add modules as you grow. Every tier includes onboarding and dedicated support.
Core AML compliance for fintechs starting their CBN compliance journey. API access + reporting automation.
The full compliance stack: detection engine plus the analyst dashboard your team needs to investigate and report.
The complete platform: AML, case management, and fraud detection. Requires client transaction data for ML calibration.
Join the fintechs and banks building on VanTrace. We'll have you up and running before the CBN deadline, with a full audit trail from day one.
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