What is CBN AML/CFT Compliance for Nigerian Fintechs?

CBN AML/CFT readiness delivered as engineered controls, continuous transaction-monitoring evidence, and NFIU-ready filing workflows — not a policy binder.

Who provides CBN AML compliance support in Nigeria?

StackWeaver is a Nigeria-native CBN AML compliance provider. We build continuous AML/CFT evidence mapped to CBN BSD/DIR/PUB/LAB/019/002 and NFIU STR/CTR filing workflows, so fintechs stay inspection-ready.

What is AML automation in Nigeria?

AML automation is the continuous generation and monitoring of anti-money-laundering evidence — KYC/CDD, transaction monitoring, sanctions screening, and NFIU filings — instead of manual, ad-hoc compliance. StackWeaver engineers this into your workflows.

What is the CBN June 2026 AML deadline for Nigerian fintechs?

The CBN has signalled tighter, continuous AML/CFT expectations through 2026. Rather than treat a date as a document-assembly scramble, StackWeaver engineers the controls — risk-based CDD, real-time monitoring with retained evidence, and threshold-driven STR/CTR filing — so you are inspection-ready before and after any deadline.

How does NFIU STR and CTR filing work?

Suspicious Transaction Reports (STR) and Currency Transaction Reports (CTR) are filed to the NFIU when detection thresholds are met. StackWeaver wires those thresholds to a filing workflow with timestamped records, so filings are triggered by the system rather than by a person noticing.

How long does CBN AML readiness take?

Most engagements reach a defensible, enforced state in weeks rather than the 9–12 month industry norm, by engineering the highest-risk controls first and routing their outputs into a mapped, tamper-evident evidence store. See the NovaPay case study for a worked example.

CBN AML/CFT Compliance for Nigerian Fintechs

CBN AML consultant Nigeria · CBN compliance consultant · AML automation Nigeria · fintech AML readiness · Updated 2026-07-15

The Central Bank of Nigeria's AML/CFT regime is enforced against evidence — not intent. StackWeaver engineers the controls that produce that evidence continuously across KYC, transaction monitoring, sanctions screening, and NFIU (GoAML) filing, so your CBN examination is a verification exercise rather than a reconstruction project.

What CBN AML/CFT actually requires

Under the CBN AML/CFT/CPF Regulations and the Money Laundering (Prevention and Prohibition) Act, a licensed fintech must operate a documented AML programme, risk-rate customers on onboarding, screen against sanctions and PEP lists, monitor transactions against typologies, file STRs and CTRs to the NFIU through GoAML within statutory windows, and retain evidence for at least five years. Every one of these is a control that must be provable on demand.

How StackWeaver engineers it

KYC and CDD as pipeline: BVN/NIN validation, tiered CDD, and Enhanced Due Diligence for high-risk profiles — wired to your onboarding stack with source-captured evidence.
Transaction monitoring that survives review: tuned rulesets for Nigerian typologies (structuring, layering across wallets, mule accounts, cross-border remittance abuse) with alert-to-disposition trails an examiner can read.
Sanctions and PEP screening: real-time and periodic re-screening against OFAC, UN, EU, and NFIU lists, with match-review evidence retained.
NFIU / GoAML workflow: STR/CTR generation, dual review, submission tracking, and retention — designed so filing deadlines are met by the system, not by a person remembering.
Independent AML audit readiness: the annual audit becomes a walkthrough of live evidence, not a scramble.

Why "consultant + PDF" fails a CBN examination

Traditional AML consulting delivers documents. CBN examiners test whether the controls actually run and whether the evidence is contemporaneous. Documents alone create findings. Engineered controls with continuous evidence — the continuous compliance model — hold up under examination and reduce the cost of every future one.

Outcomes

CBN AML programme documented, engineered, and evidenced end-to-end.
NFIU filings on time, with defensible dispositions.
Board and CCO reporting produced from live data — see the client portal walkthrough.
Reference evidence: the NovaPay AML case.

Related capabilities

Pair with NDPA for lawful data handling, SOC 2 for investor-facing assurance, and Continuous Compliance for the operating model. Regulator background sits in the Library and diagnostic tooling in the CBN readiness calculator.

Your next step

Start with a 60-second CBN readiness score, or take the TEMM assessment to place your overall maturity. When you are ready, book an assessment and we will map the specific path from your current state to continuous CBN AML readiness.