قائمة امتثال KYC وKYB وAML
نيجيريا KYC, KYB & AML
A general Nigerian MLPPA and TPPA implementation baseline, with a detailed overlay for financial institutions supervised by the Central Bank of Nigeria. It is not a complete checklist for DNFBPs, capital-market operators, insurers, pension operators or virtual asset service providers; those entities must apply the relevant SCUML, SEC, NAICOM, PenCom and other sector rules.
- تاريخ المراجعة
- 15 July 2026
- الإصدار
- 1.1
- مجالات رقابية
- 7
- فحوص تنفيذ
- 45
إجابة مباشرة
ما الذي تغطيه قائمة الامتثال الخاصة بـ نيجيريا؟
تحوّل قائمة نيجيريا قواعد KYC وKYB وAML الأساسية إلى 7 مجالات رقابية و45 فحوص تنفيذ، وتشمل الجهات المختصة وواجبات الإبلاغ والأدلة الواجب الاحتفاظ بها.
حقائق تنظيمية أساسية
- Supervision and reporting
- CBN, SEC, NAICOM, PenCom or SCUML by activity; STRs to NFIU
- Core CDD rules for CBN FIs
- CBN CDD Regulations, 2023
- Record retention
- At least 5 years
- Suspicion reporting
- Immediately; statutory 24-hour rule
تفاصيل التنفيذ
متطلبات وإجراءات الامتثال في نيجيريا
افتح كل مجال لمراجعة المتطلب وإجراء التنفيذ المقترح والأدلة الواجب الاحتفاظ بها والمصدر الأساسي.
01Applicability and governanceDetermine the entity's regulatory perimeter before translating AML obligations into accountable controls.6 عناصر+
Map the regulated activity
- إجراء التنفيذ
- Document the services and authorization. CBN supervises specified banks, OFIs and payment institutions; SEC supervises capital-market operators and VASPs; NAICOM supervises insurance institutions; PenCom supervises pension operators; and SCUML supervises DNFBPs.
- الأدلة الواجب الاحتفاظ بها
- Regulatory-perimeter assessment and license map
- المصدر الأساسي
- MLPPA 2022, s.30; applicable sector rules
Confirm reporting and registration channels
- إجراء التنفيذ
- Identify the licensing and AML supervisor, NFIU route and every sector-return destination. FIs generally use goAML for STRs and applicable threshold reports. RapidAML is used by CBN entities excluding BDCs for nil and PEP reports; BDCs for STR, CTR, nil and PEP reports; SEC- and NAICOM-regulated entities for nil reports; and SCUML-regulated DNFBPs for STRs. DNFBPs submit applicable CTR, CBTR, public-sector, PEP and training returns to SCUML. Confirm current portal instructions.
- الأدلة الواجب الاحتفاظ بها
- Registration confirmations and channel matrix
- المصدر الأساسي
- NFIU RapidAML; SCUML S.I. No. 39
Do not infer regulation from the fintech label
- إجراء التنفيذ
- A technology provider is not automatically a reporting entity. Record which regulated service, license, agency or outsourcing arrangement creates direct or contractual obligations.
- الأدلة الواجب الاحتفاظ بها
- Service-to-obligation mapping
- المصدر الأساسي
- MLPPA definitions and applicable licensing law
Appoint accountable compliance leadership
- إجراء التنفيذ
- Designate a qualified AML/CFT/CPF compliance officer with authority, independence, resources and direct access to senior management or the board.
- الأدلة الواجب الاحتفاظ بها
- Appointment letter, mandate and escalation chart
- المصدر الأساسي
- CBN AML/CFT/CPF Regulations 2022
Maintain an enterprise risk assessment
- إجراء التنفيذ
- Assess customer, product, geography, delivery-channel, transaction and emerging-technology risks and update the assessment for material changes.
- الأدلة الواجب الاحتفاظ بها
- Approved business-wide risk assessment
- المصدر الأساسي
- CBN risk-based supervision and applicable sector rules
Approve and test the AML program
- إجراء التنفيذ
- Maintain risk-based policies, internal controls, staff training, management information and independent testing proportionate to the institution's scope.
- الأدلة الواجب الاحتفاظ بها
- Board-approved program, training record and audit plan
- المصدر الأساسي
- MLPPA 2022 and applicable regulator rules
02KYC for natural personsIdentify and independently verify the customer, understand the relationship and document the expected financial profile.6 عناصر+
Prohibit anonymous or fictitious accounts
- إجراء التنفيذ
- Do not establish or maintain anonymous, numbered or fictitious-name accounts.
- الأدلة الواجب الاحتفاظ بها
- Onboarding rule and exception report
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 4
Collect required identity particulars
- إجراء التنفيذ
- For a natural person under the CBN overlay, obtain legal and other names used; permanent physical and residential addresses; telephone, email and social-media handle; date and place of birth; BVN; TIN; nationality; occupation, public position and employer; an official identifier from an unexpired government document bearing name, photograph and signature; relationship type; signature; and PEP status.
- الأدلة الواجب الاحتفاظ بها
- Completed customer profile
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 6
Verify identity independently
- إجراء التنفيذ
- Verify identity using reliable independent documents, data or information, including an unexpired government-issued document appropriate to the customer.
- الأدلة الواجب الاحتفاظ بها
- Document copy, authenticity result and audit trail
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 7
Verify birth, address and contacts
- إجراء التنفيذ
- Confirm birth data from a valid official record; verify residential address through physical visitation and corroborating evidence such as a utility bill, tax assessment, bank statement or public-authority letter; obtain positive contact confirmation; and, particularly for wallet providers, validate phone numbers through an independent process such as the NCC database or geospatial checks.
- الأدلة الواجب الاحتفاظ بها
- Address, contact and phone-verification results
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 7(2)
Understand purpose and source of funds
- إجراء التنفيذ
- Record the intended nature, expected transaction pattern, occupation or business, source of income and expected origin of funds.
- الأدلة الواجب الاحتفاظ بها
- Purpose and financial-profile statement
- المصدر الأساسي
- CBN CDD Regulations 2023, regs. 10-11
Resolve incomplete CDD
- إجراء التنفيذ
- If required CDD cannot be completed, do not open the account, establish the relationship or execute the transaction. Terminate an existing or prematurely commenced relationship where applicable and file an STR to NFIU. If continuing CDD would create tipping-off risk, stop CDD and file the STR immediately.
- الأدلة الواجب الاحتفاظ بها
- Decline, exit and STR record
- المصدر الأساسي
- CBN CDD Regulations 2023, regs. 19 and 22; SCUML regs. 23-24
03KYB for legal persons and arrangementsVerify legal existence and authority, then trace ownership and control to the relevant natural persons.6 عناصر+
Verify legal existence and status
- إجراء التنفيذ
- Search the CAC or another reliable registry and obtain incorporation or registration evidence, registration number, legal form and governing documents.
- الأدلة الواجب الاحتفاظ بها
- Current registry result and certified documents
- المصدر الأساسي
- CBN CDD Regulations 2023, regs. 6(b) and 7(3)
Understand the business
- إجراء التنفيذ
- Confirm registered and operating addresses, nature and purpose of activity, expected transactions, operating footprint and financial profile.
- الأدلة الواجب الاحتفاظ بها
- Business profile, address evidence and financial information
- المصدر الأساسي
- CBN CDD Regulations 2023, regs. 6(b), 7(3), 10-11
Verify authority and connected persons
- إجراء التنفيذ
- Obtain the board resolution or equivalent mandate and identify and verify directors, senior management, controllers and authorized signatories.
- الأدلة الواجب الاحتفاظ بها
- Mandate, connected-person register and KYC files
- المصدر الأساسي
- CBN CDD Regulations 2023, regs. 6(b), 8 and 9
Identify and verify beneficial owners
- إجراء التنفيذ
- Understand the ownership and control structure and identify and verify natural persons who ultimately own or control the customer, including control through voting rights or other means.
- الأدلة الواجب الاحتفاظ بها
- Ownership chart, BO declaration and verified BO KYC
- المصدر الأساسي
- CBN CDD Regulations 2023, regs. 5 and 8
Check persons with significant control
- إجراء التنفيذ
- Compare declarations with the CAC beneficial-ownership register. Treat the PSC threshold of at least 5% or other control tests as a disclosure trigger, not a safe harbor that replaces broader BO analysis.
- الأدلة الواجب الاحتفاظ بها
- CAC PSC result and discrepancy assessment
- المصدر الأساسي
- CAC PSC Regulations 2022
Maintain a beneficial-owner register
- إجراء التنفيذ
- For CBN-supervised FIs, maintain names, identification details, nature of ownership, shareholding, voting rights, controlling interests, source of wealth and PEP status.
- الأدلة الواجب الاحتفاظ بها
- Current BO register and change history
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 8(f)
04Risk assessment and screeningUse documented risk factors and current lists to determine standard, simplified or enhanced due diligence.5 عناصر+
Assign and explain customer risk
- إجراء التنفيذ
- Assess customer, ownership, geography, product, service, channel and transaction risks before approval and retain the rationale.
- الأدلة الواجب الاحتفاظ بها
- Risk score, rationale and approval
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 15
Apply targeted financial sanctions
- إجراء التنفيذ
- Screen prospective and existing customers, BOs, directors, signatories, agents and transaction parties against current UN and Nigeria lists before onboarding or transactions, on list updates and ongoing. On a confirmed match, freeze without delay or prior notice all directly, indirectly or jointly owned or controlled assets, prohibit funds or services, report immediately to NIGSAC, NFIU and the sector regulator, and do not unfreeze without authorization.
- الأدلة الواجب الاحتفاظ بها
- Screening, freeze and reporting audit trail
- المصدر الأساسي
- TPPA 2022; NIGSAC TFS Guidance
Apply PEP controls
- إجراء التنفيذ
- Identify foreign, domestic and international-organization PEPs among customers and BOs, including relevant family and close associates. Risk-rate, obtain senior approval, apply EDD to foreign and higher-risk PEPs, establish source of funds and wealth, and enhance monitoring. PEP status alone does not require an STR; map applicable PEP returns separately.
- الأدلة الواجب الاحتفاظ بها
- PEP result, approval, source analysis and monitoring plan
- المصدر الأساسي
- CBN PEP Guidance 2023
Use adverse information proportionately
- إجراء التنفيذ
- Review reliable public information where relevant, distinguish allegation from verified fact and record the risk decision.
- الأدلة الواجب الاحتفاظ بها
- Adverse-information review and disposition
- المصدر الأساسي
- Risk-based approach
Keep country risk current
- إجراء التنفيذ
- Use current FATF, GIABA and Nigerian guidance. Record that Nigeria left FATF increased monitoring in October 2025 rather than applying an obsolete automatic high-risk label.
- الأدلة الواجب الاحتفاظ بها
- Country-risk methodology and update log
- المصدر الأساسي
- FATF Nigeria country profile
05Enhanced due diligenceApply additional verification, approval and monitoring where higher ML, TF or PF risk is identified.5 عناصر+
Collect and corroborate additional information
- إجراء التنفيذ
- Obtain additional customer, beneficial-owner, business, purpose and transaction information and verify material claims with reliable sources.
- الأدلة الواجب الاحتفاظ بها
- EDD pack and corroboration record
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 17
Establish source of funds and wealth
- إجراء التنفيذ
- Obtain and assess source of funds and source of wealth to a depth proportionate to the higher-risk scenario.
- الأدلة الواجب الاحتفاظ بها
- Source evidence and plausibility analysis
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 17(2)(c)
Obtain senior-management approval
- إجراء التنفيذ
- Require documented senior approval to establish or continue higher-risk relationships and impose any conditions.
- الأدلة الواجب الاحتفاظ بها
- Approval and conditions
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 17(2)(e)
Increase monitoring
- إجراء التنفيذ
- Increase the number, frequency or depth of controls and select transaction patterns for closer examination.
- الأدلة الواجب الاحتفاظ بها
- EDD monitoring plan and case history
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 17(2)(f)
Control non-face-to-face risk
- إجراء التنفيذ
- Apply the applicable e-KYC and non-face-to-face controls, including measures addressing impersonation, document fraud, device or channel risk and first-payment requirements where relevant.
- الأدلة الواجب الاحتفاظ بها
- Digital-onboarding control assessment
- المصدر الأساسي
- CBN CDD Regulations 2023, regs. 14 and 35
06Ongoing due diligence and automated monitoringKeep customer knowledge current and ensure monitoring technology remains governed, testable and fit for the institution's risks.5 عناصر+
Monitor throughout the relationship
- إجراء التنفيذ
- Scrutinize transactions for consistency with customer knowledge, business, risk profile and source of funds, and investigate complex or unusual activity.
- الأدلة الواجب الاحتفاظ بها
- Monitoring rules, alerts and investigation outcomes
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 12
Refresh records by risk
- إجراء التنفيذ
- For CBN-supervised FIs, review existing records at least every 12 months for high risk, 18 months for medium risk and three years for low risk, or earlier when a trigger arises.
- الأدلة الواجب الاحتفاظ بها
- Risk-based review schedule and refreshed file
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 23(b)
Rescreen and reassess on change
- إجراء التنفيذ
- Trigger rescreening and risk reassessment for ownership, management, product, geography, behavior or list changes.
- الأدلة الواجب الاحتفاظ بها
- Event-driven review and rescreening history
- المصدر الأساسي
- Ongoing CDD obligation
Implement the mandatory 2026 CBN standards
- إجراء التنفيذ
- For every CBN circular addressee, implement the Baseline Standards as mandatory minimum requirements effective 10 March 2026. The approved roadmap was due within three months and is overdue if not submitted. DMBs have 18 months for full compliance; OFIs and applicable non-DMB addressees have 24 months, subject to written CBN classification or direction.
- الأدلة الواجب الاحتفاظ بها
- Submitted roadmap, gap plan and accountable owners
- المصدر الأساسي
- CBN circulars of 10 and 31 March 2026
Prove institution-level effectiveness
- إجراء التنفيذ
- Demonstrate institutional accountability, consolidated customer-risk visibility, data and system integration, governance, model or scenario testing, alert and case management, auditability, access controls, change management and operational effectiveness. Vendor claims alone do not establish compliance.
- الأدلة الواجب الاحتفاظ بها
- Architecture, validation, testing and governance records
- المصدر الأساسي
- CBN Baseline Standards 2026
07Reporting, records, privacy and assuranceEscalate suspicion without delay, preserve retrievable evidence and process personal data lawfully.12 عناصر+
Escalate suspicion internally
- إجراء التنفيذ
- Give staff a confidential route to escalate unusual transactions or activity promptly to the compliance function without alerting the customer.
- الأدلة الواجب الاحتفاظ بها
- Escalation procedure, cases and training
- المصدر الأساسي
- MLPPA 2022, s.7
File STRs without delay
- إجراء التنفيذ
- File to NFIU immediately once the statutory suspicion threshold is met. MLPPA section 7 requires immediate reporting and written reporting and action within 24 hours after the suspicious transaction; TPPA section 84 requires relevant TF/PF reports within 24 hours. NFIU's FAQ describes an FI-only 48-hour examination plus 24 hours after confirmation but misstates that as 78 hours. Guidance does not amend the Acts: do not delay established suspicion or rely on longer timing without current written confirmation.
- الأدلة الواجب الاحتفاظ بها
- Filing reference and complete decision timeline
- المصدر الأساسي
- MLPPA 2022, s.7; TPPA 2022, s.84; NFIU FAQ
Prevent tipping off
- إجراء التنفيذ
- Restrict knowledge of reports and investigations and avoid disclosures that may prejudice analysis, restraint or investigation.
- الأدلة الواجب الاحتفاظ بها
- Access controls and communications guidance
- المصدر الأساسي
- CBN CDD Regulations 2023, regs. 19 and 22
Report domestic mandatory disclosures
- إجراء التنفيذ
- Report any single transaction, lodgment or transfer exceeding N5 million for an individual or N10 million for a body corporate within seven days. Financial institutions report to NFIU; DNFBPs report the applicable CTR to SCUML.
- الأدلة الواجب الاحتفاظ بها
- Threshold rules, filings and reconciliation
- المصدر الأساسي
- MLPPA 2022, ss.2 and 11; SCUML rules
Report cross-border transfers
- إجراء التنفيذ
- Report transfers to or from a foreign country exceeding US$10,000 or equivalent to NFIU, CBN and SEC in writing within one day of the transaction.
- الأدلة الواجب الاحتفاظ بها
- Cross-border report and delivery evidence
- المصدر الأساسي
- MLPPA 2022, s.3
Enforce cash limits and anti-structuring
- إجراء التنفيذ
- Do not make or accept cash above N5 million for an individual or N10 million for a body corporate except through a financial institution. Detect deliberate splitting across transactions or institutions to evade reporting.
- الأدلة الواجب الاحتفاظ بها
- Cash controls, aggregation logic and cases
- المصدر الأساسي
- MLPPA 2022, s.2
Apply DNFBP-specific returns
- إجراء التنفيذ
- Under S.I. No. 39 of 2024, file CTRs above NGN 5 million for an individual or NGN 10 million for a body corporate with SCUML within seven days, with monthly nil returns where applicable. File the Standard Data Form for cash above US$1,000 within seven days, with applicable monthly nil returns. Report domestic foreign-currency transfers above US$10,000 within seven days, public-sector and PEP transactions monthly, employee-training returns yearly and the training plan annually. Follow current SCUML portal instructions.
- الأدلة الواجب الاحتفاظ بها
- SCUML return matrix, filings and nil returns
- المصدر الأساسي
- SCUML S.I. No. 39 of 2024, regs. 36-38
Resolve threshold wording conservatively
- إجراء التنفيذ
- MLPPA uses exceeding or in excess of, while the NFIU FAQ uses at or above. Configure conservatively and document the current portal instruction. Evaluate linked transactions for CDD, structuring and suspicion; STRs have no monetary threshold.
- الأدلة الواجب الاحتفاظ بها
- Approved threshold interpretation and test cases
- المصدر الأساسي
- MLPPA 2022; NFIU FAQ
Retain CDD and related records
- إجراء التنفيذ
- Keep CDD records, account files, business correspondence and analysis for at least five years after relationship termination or the occasional transaction, and longer where another rule or lawful direction applies.
- الأدلة الواجب الاحتفاظ بها
- Retention schedule and retrieval test
- المصدر الأساسي
- CBN CDD Regulations 2023, reg. 23
Apply data-protection controls
- إجراء التنفيذ
- Apply the NDPA and GAID 2025. Determine DCPMI status and complete registration and returns. Document lawful bases, transparency, minimization, security, retention, processor governance, rights, transfers, breach response, DPO duties and DPIAs for high-risk processing. Preserve legally required AML records despite an erasure request.
- الأدلة الواجب الاحتفاظ بها
- Registration, privacy records, DPIAs and security controls
- المصدر الأساسي
- Nigeria Data Protection Act 2023; GAID 2025
Map professional privilege and activity scope
- إجراء التنفيذ
- For law firms, notaries and independent legal professionals, apply CDD and reporting when preparing for or carrying out buying or selling real estate or businesses; managing client money, securities, assets or bank, savings or securities accounts; organizing company contributions; creating, operating or managing companies, trusts or other arrangements; or acting or arranging another to act as formation agent, director, secretary, partner, trustee or equivalent. Privilege and confidentiality do not apply to section 11(4) activities or material produced in furtherance of an unlawful act. Document other privilege and reporting-route decisions.
- الأدلة الواجب الاحتفاظ بها
- Activity-scope, privilege and reporting-route protocol
- المصدر الأساسي
- MLPPA 2022, s.11(4); SCUML S.I. No. 39, reg. 8(2)
Train, test and remediate
- إجراء التنفيذ
- Provide role-based training, independently test the program and track findings to accountable owners and closure.
- الأدلة الواجب الاحتفاظ بها
- Training register, audit report and remediation log
- المصدر الأساسي
- Applicable CBN or SCUML requirements
دليل الدولة 2026
7 مجال رقابي و45 فحص تنفيذ مع روابط مباشرة للمصادر التنظيمية.
حمّل قائمة KYC وKYB وAML الخاصة بـ نيجيريا
شارك بيانات العمل للوصول الفوري إلى قائمة التنفيذ الموثقة بالمصادر لـ نيجيريا. تاريخ المراجعة التنظيمية: 15 July 2026.
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مراجعة وموثقة بالمصادر
الإصدار 1.1، تمت المراجعة في 15 July 2026
موثوق به من فرق الامتثال الرائدة
سجل المصادر الأساسية
19 مصدرًا مستخدمًا في هذه القائمة
استخدم هذه الروابط للتحقق من التشريعات وإرشادات الجهات الرقابية وإجراءات الإبلاغ والبيانات الدولية.
- Money Laundering (Prevention and Prohibition) Act, 2022Nigerian Financial Intelligence Unit - Laws and Regulations · primary
- Terrorism (Prevention and Prohibition) Act, 2022Nigerian Financial Intelligence Unit - Laws and Regulations · primary
- Customer Due Diligence Regulations, 2023Central Bank of Nigeria · primary
- AML/CFT supervision and regulatory materialsCentral Bank of Nigeria · primary
- Baseline Standards for Automated AML/CFT/CPF Solutions, 10 March 2026Central Bank of Nigeria · primary
- Implementation Guidance for the Baseline Standards, 31 March 2026Central Bank of Nigeria · primary
- Frequently asked questions on suspicious transaction reportingNigerian Financial Intelligence Unit · primary
- Persons with Significant Control Regulations, 2022Corporate Affairs Commission · primary
- Economic and Financial Crimes Commission AML/CFT/CPF Regulations for DNFBPs, 2024 (S.I. No. 39 of 2024)Special Control Unit against Money Laundering, Economic and Financial Crimes Commission · primary
- RapidAML reporting portal and channel noticesNigerian Financial Intelligence Unit · primary
- Rules and RegulationsSecurities and Exchange Commission Nigeria · primary
- Investments and Securities Act, 2025Securities and Exchange Commission Nigeria · primary
- Guidance on Politically Exposed Persons, May 2023Central Bank of Nigeria · primary
- Guidance on Ultimate Beneficial OwnershipCentral Bank of Nigeria · primary
- Targeted Financial Sanctions Implementation GuidanceNigeria Sanctions Committee · primary
- Nigeria Data Protection Act, 2023Nigeria Data Protection Commission · primary
- General Application and Implementation Directive, 2025Nigeria Data Protection Commission · primary
- Nigeria country profileFinancial Action Task Force · primary
- CBN Baseline Standards 2026: KYC, KYB and AML guide for Nigerian fintechsVOVE ID · context
إجابات مباشرة
أسئلة KYC وKYB وAML في نيجيريا
Which regulator oversees KYC and AML compliance in Nigeria?+
It depends on the activity: CBN for specified banks, OFIs and payment institutions; SEC for capital-market operators and VASPs; NAICOM for insurance; PenCom for pensions; and SCUML for DNFBPs. STRs go to NFIU through the applicable channel, while threshold and sector returns may also go to SCUML or a sector regulator.
What information is required for KYC at a CBN-supervised financial institution?+
The 2023 CBN CDD Regulations list identity, address, contact, date and place of birth, nationality, occupation or public position, employer, BVN, TIN, an official identifier, relationship type, signature and PEP status, with verification from reliable independent sources. Applicability can depend on the customer and product.
How should beneficial ownership be checked in Nigeria?+
Understand the legal person's ownership and control structure, identify and verify the natural persons who ultimately own or control it, and compare declarations with reliable sources such as CAC records. The CAC PSC threshold of at least 5% is a disclosure trigger and does not replace broader control analysis.
When must a suspicious transaction be reported in Nigeria?+
File immediately once the statutory threshold is met. MLPPA section 7 requires immediate reporting and written reporting and related action within 24 hours after the suspicious transaction; TPPA section 84 requires relevant TF/PF reports within 24 hours. NFIU's FAQ describes a longer FI examination workflow but administrative guidance does not amend the Acts, so do not delay an established suspicion without current written confirmation.
How long must CDD records be retained in Nigeria?+
The CBN CDD Regulations require CBN-supervised financial institutions to keep CDD records, account files, business correspondence and analysis for at least five years after relationship termination or the occasional transaction. Another applicable law, supervisor or legal direction may require longer.
Is Nigeria currently on the FATF grey list?+
No. FATF removed Nigeria from increased monitoring on 24 October 2025. Institutions should keep country-risk data current and continue applying a documented risk-based approach rather than relying on obsolete list status.
منهجية البحث والمراجعة
تحدد VOVE ID Compliance Research النطاق التنظيمي، وتحول الالتزامات إلى ضوابط تشغيلية، وتربط الادعاءات الجوهرية بالمصادر، وتسجل تاريخ وإصدار كل مراجعة.
VOVE ID Compliance Research · تاريخ المراجعة 15 July 2026 · الإصدار 1.1
This is a general Nigeria baseline with a detailed CBN overlay, not legal advice or a complete sector checklist. A fintech technology provider is not automatically a reporting entity. Obligations depend on regulated services and authorization. Apply the relevant CBN, SEC, NAICOM, PenCom, SCUML or professional-sector overlay and confirm current reporting-channel instructions.