One Platform. Every AML Obligation.
4tress.ai automates the full AML/CFT compliance surface for Nigerian banks, fintechs and MFBs - from customer due diligence and real-time transaction monitoring to goAML filing and AI governance.
Addressable Nigerian compliance market
Regulated institutions in scope
Regulatory report types automated
Institution tiers on a single codebase
■ // Platform_modules
The full obligation surface, automated.
Seven tightly integrated modules covering every CBN and NFIU requirement - from onboarding to filing, with no manual gaps.
KYC / CDD
Real-time identity verification via BVN (NIBSS), NIN (NIMC) and CAC for businesses. Automated risk scoring - low, medium or high - with Enhanced Due Diligence workflows triggered on flagged customers.
Verify via BVN · NIN · CAC · 5-yr retention
Sanctions & PEP
Continuous screening against UN, OFAC, EU and CBN lists with daily updates. Automated blocking of matched entities, PEP flagging, and monthly PEP transaction reporting to NFIU.
Lists UN · OFAC · EU · CBN · updated daily
Transaction Monitoring
Real-time monitoring across all channels - cards, transfers, USSD, POS and mobile. Configurable rules engine with threshold automation, structuring detection and behavioural anomaly scoring.
Latency <200ms · ₦5M/₦10M/USD10K thresholds
Case Management
Centralized alert-to-case dashboard with investigation documentation, automated narrative generation for STR filing, and SLA tracking to enforce the 24-hour filing window end-to-end.
SLA 24hr STR window · immutable audit trail
goAML Reporting
Automated XML and B2B submission of all NFIU report types - STR (6 categories), CTR, FTR, PEP and NIL. Includes all 21 predicate offence mappings and pre-submission validation to prevent rejection.
Schema goAML v4.4 · NFIU B2B ready
AI Governance
Explainable AI alerts with human oversight workflows, false positive tracking and annual model validation support. Bias auditing built in - aligned to CBN's AI governance standards.
Explainability on by default · bias auditing
Multi-Tier Configuration
A single codebase serves all six institution tiers via a TierConfig system, adjusting capabilities, thresholds and deployment model per institution type - from Tier-1 banks down to MFBs, fintechs, MMOs and IMTOs.
Tiers supported T1 banks → IMTOs · one codebase
Tier-1 Banks
On-prem / sovereign
Tier-2/3 Banks
Cloud / hybrid
Fintechs & PSBs
Cloud / API-first
MMOs
Cloud / lightweight
IMTOs
Cloud / FTR-focused
MFBs
Cloud / essentials
■ // Regulatory_filings
Every report type. Every threshold. Automated.
4tress.ai generates each NFIU filing type to spec - with thresholds, predicate mappings and submission validated before they leave the platform.
Suspicious Transaction Report
trigger = behavioural / rules-based alert · no floor threshold
No floor
File ≤ 24 hrs
6 predicate categories
Currency Transaction Report
trigger = domestic cash transaction above reporting limit
₦5M individual / ₦10M corporate
Within the reporting window
Foreign Transfer Report
trigger = cross-border movement above threshold
USD $10,000 or naira equivalent
Within applicable NFIU window
PEP Transaction Report
trigger = pep watchlist or enhanced due diligence match
Any amount
Monthly NFIU report
NIL Activity Report
trigger = period with no reportable activity
Not applicable
Periodic
■ // Deployment_tiers
Right-sized for your institution type.
The same regulator-grade compliance core, packaged per your license category, scale and deployment requirements.
Tier-1 & Tier-2 Banks
Enterprise
Commercial and merchant banks under direct CBN prudential supervision with high transaction volumes.
Custom · On-prem / sovereign cloud
- ✓Unlimited transaction volume across all channels
- ✓Dedicated deployment with data residency controls
- ✓Full AI governance, model audit and bias reporting
- ✓Core-banking integration (Finacle, T24)
- ✓24/7 SLA with a named compliance engineer
Fintechs, PSBs & MMOs
Scale
Payment service banks, switching companies and mobile money operators scaling under CBN licensing.
From ₦ / month · usage-based
- ✓Real-time monitoring across cards, USSD & mobile
- ✓Native goAML STR / CTR / FTR / PEP / NIL filing
- ✓NIBSS, NIMC and CAC API integrations
- ✓Case management with four-eyes approval
- ✓Cloud deployment, live in under 30 days
MFBs & IMTOs
Essentials
Microfinance banks and international money transfer operators meeting baseline AML obligations.
From ₦ / month · flat
- ✓KYC / CDD with automated risk-tier onboarding
- ✓Threshold-based CTR, FTR and STR generation
- ✓Guided goAML submission workflow
- ✓Standard UN, OFAC and CBN watchlist screening
- ✓Email support and onboarding playbook
■ // Connected_rails
Wired into the Nigerian financial stack.
Pre-built connectors to the registries, switches, core-banking systems and global watchlists your compliance depends on.
■ // Get_started
The full AML compliance stack. One platform.
Request early access and go live with complete AML/CFT coverage - from KYC onboarding to goAML submission - faster than building in-house.