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