Your compliance deadline
is 90 days away.
Your system isn't ready.
The CBN's March 10, 2026 circular mandates automated AML systems across all financial institutions in Nigeria. Banks have 18 months to fully comply. Every institution must submit an implementation roadmap to the CBN Compliance Department by June 10, 2026. Grynd builds the automation infrastructure that keeps you compliant, audit-ready, and ahead of regulatory sanctions.
Four automation systems.
Full CBN compliance.
Every system we build is aligned to Circular BSD/DIR/PUB/LAB/019/002 and the FATF recommendations it enforces. No bolt-ons. Integrated infrastructure.
AML Transaction Monitoring
Real-time transaction surveillance with rule-based and AI-assisted anomaly detection. Flags unusual patterns — large cash flows, structured deposits, cross-border transfers — instantly across all channels.
CBN requiredKYC Onboarding Automation
Automated customer identity verification integrated with BVN and NIN national databases. Risk-scored customer profiles generated at onboarding with EDD triggers for PEPs and high-risk segments.
CBN requiredSAR Auto-Generation
Automated Suspicious Activity Report and Suspicious Transaction Report generation in NFIU-compliant formats. Maker-checker workflows with full audit trails ensure every report is accurate, complete, and submitted on time.
NFIU requiredReal-Time CBN/NFIU Reporting Pipeline
Secure API-integrated reporting pipeline that connects your core banking system to CBN and NFIU submission requirements. Encrypted transmission, role-based access, and tamper-proof audit logs built in.
CBN requiredFrom audit to live system
in four steps.
We move fast because your deadline doesn't wait. Most institutions are behind the optimal preparation curve already.
Compliance gap audit
We assess your current AML infrastructure against CBN Circular BSD/DIR/PUB/LAB/019/002. You get a clear breakdown of what's missing, what's at risk, and what the roadmap submission needs to say.
Implementation roadmap
We build the structured roadmap document required by the CBN Compliance Department — covering all 10 baseline technical requirements, timeline commitments, and system architecture decisions.
Automation build and integration
We build your AML automation stack — transaction monitoring, KYC flows, SAR generation, and reporting pipelines — integrated with your core banking system via secure APIs.
Ongoing compliance management
We stay on as your compliance automation partner — monitoring system performance, updating rules as the regulatory environment evolves, and ensuring you stay audit-ready at every CBN inspection.
Three deadlines.
One chance to get ahead.
Non-compliance exposes your institution to administrative sanctions, remedial directives, and financial penalties against both the institution and responsible compliance officers personally. The CBN will monitor compliance through off-site surveillance, on-site examinations, and thematic regulatory reviews.
