Case studies

Compliance infrastructure in the wild

How Fintegrity design partners are building defensible compliance infrastructure and satisfying CBN AML/CFT requirements in production.

Banking

A Tier-2 Nigerian commercial bank

Transaction monitoring ran as an overnight batch job against a legacy core banking system. Suspicious activity was often identified two to three days after a transaction had already settled, leaving the compliance team reconstructing intent after the fact instead of intervening in time. Examiners flagged the lag as a supervisory concern during a routine CBN review.

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<80 ms

P99 decision latency

Same-day

Suspicious activity identification (from 2–3 day lag)

100%

Transactions evaluated pre-settlement

Digital wallets

A consumer digital wallet provider

A fast-growing wallet product was onboarding tens of thousands of new users a month, but its compliance stack was a set of disconnected scripts stitched together by engineering as needed. There was no consistent tiering between BVN-verified and unverified users, and the team could not produce a clean audit trail when NFIU requested transaction history for a specific case.

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CDD-based risk tiers enforced automatically

Minutes

To produce a complete audit trail for a customer

Disconnected compliance scripts remaining

Remittance

A cross-border remittance company

Corridor-specific AML obligations meant the same transaction could carry very different risk depending on the sending and receiving country. The compliance team maintained risk logic in spreadsheets that were manually updated whenever a corridor’s regulatory profile changed, and updates routinely lagged behind the change itself by weeks.

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Same-day

Corridor risk profile updates (from weeks)

<50 ms

P99 decision latency at transaction volume

Unified review queue across all corridors

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