CBN Baseline Standards for Automated AML/CFT/CPF Solutions · March 2026

The Intelligence Layer
Nigerian & Kenyan
Finance Deserves

Graph-based, real-time AML platform that catches fraud rings traditional systems miss — built for CBN and CBK-regulated banks, fintechs, and VASPs. From transaction to alert in under 2 seconds.

No credit card required for demo · Implementation in 2 weeks
<2s
Detection latency
80%
Alert threshold
11/11
CBN §5.1 sections
2
Markets: NG + KE
🇳🇬 CBN Baseline Standards Compliant🇰🇪 CBK AML Guidelines Aligned⬡ Graph-Based Community Detection⚡ Sub-2-Second Detection◎ Immutable Audit Trails🔒 AES-256 Data Encryption⊘ NIBSS & M-PESA Rail Aware▦ STR & FATF Rec.16 Ready🇳🇬 CBN Baseline Standards Compliant🇰🇪 CBK AML Guidelines Aligned⬡ Graph-Based Community Detection⚡ Sub-2-Second Detection◎ Immutable Audit Trails
The Problem

Traditional AML sees transactions.
Fraudsters operate in networks.

Individually unremarkable transfers, from 'different' customers, across different days. Each one below the threshold.

Together? A coordinated network moving significant funds through your institution. Your current system generates three unlinked alerts and calls it a day.

45%
Avg false positive rate on rule-based systems
3–5 days
Typical manual fraud ring investigation time
30 sec
Time for Kori to detect & surface a fraud ring
Platform Capabilities

Every tool your compliance team needs.
Nothing they don't.

Core Engine

Graph-Based Fraud Ring Detection

Neo4j knowledge graph connects every transaction, device, SIM, wallet, and merchant in real time. See rings that flat data will never show you.

CBN §5.1.3

Real-Time Alert Intelligence

Sub-2-second pipeline from transaction to alert. Multi-factor risk scoring with explainable breakdowns every compliance officer can defend.

CBN §5.1.6

Immutable Audit Trail

Every action — alert status change, blocklist entry, API key creation — logged with analyst identity, timestamp and IP. Ready for the examiner.

Unique

Consortium Blocklist Intelligence

One institution's confirmed fraudster becomes every institution's warning. Share hashed phone numbers, IPs, and wallets across the network.

CBN §5.1.4

Regulator-Ready Reporting

STR conversion rate, false positive rate, investigation turnaround time. Export audit evidence in one click. Your CBN submission package, built in.

CBN §5.1.7

API-First Integration

One webhook call connects to any core banking system — Flexcube, T24, Finacle, or custom CBS. Live in 2 weeks, not 6 months.

How It Works

From transaction to evidence
in four steps.

01

Transaction arrives

Your core banking system sends a JSON webhook. Amount, account, phone, IP, channel. One API call.

02

Graph engine processes

Kori scores the risk, checks the blocklist, updates the knowledge graph with new entity connections.

03

Alert surfaces instantly

If risk ≥ threshold, an alert appears on the compliance dashboard with full explanation in under 2 seconds.

04

Analyst investigates

Click the alert. See the entity graph — all connected accounts, devices, phones, wallets. Mark. Close. Export for CBN.

Integration — One webhook call. Any core banking system.
POST https://ingest.kori.seamount.io/webhook
Content-Type: application/json

{
  "transaction_id": "TXN_2026040500001",
  "user_id": "CUST_00123",
  "amount": 750000,
  "timestamp": "2026-04-05T09:15:00Z",
  "phone": "08099887766",
  "channel": "mobile",
  "nibss_session_id": "NSS202604050001"
}

// Response: { "status": "accepted", "risk_score": 0.80, "alert_created": true }
Regulatory Alignment

Built against the CBN Baseline Standards.
Section by section.

The CBN does not certify vendors. Compliance is assessed at the institution level. Kori maps every feature to the exact requirement so your team can demonstrate effective, governed, and defensible AML/CFT/CPF controls.

§5.1.1Customer Due Diligence⟳ In Progress
§5.1.2Sanctions Screening✓ Implemented
§5.1.3Transaction Monitoring✓ Implemented
§5.1.4Regulatory Reporting⟳ In Progress
§5.1.5Travel Rule (FATF R.16)⟳ In Progress
§5.1.6Audit & Governance✓ Implemented
§5.1.7System Integration✓ Implemented
§5.1.8Security & Data Protection✓ Implemented
§5.1.9User Interface✓ Implemented
§5.1.10Vendor Risk Management✓ Implemented
§5.1.11Fraud Detection✓ Implemented
CMD/DIR/PUB/CIR/001006 · March 31, 2026 · Central Bank of Nigeria
Pricing

6× cheaper than the global alternatives.
Built for African institutions.

Starter
₦150,000 · KES 15,000/month
10,000 tx · 3 users · Core monitoring
Get started →
Professional
₦450,000 · KES 45,000/month
100,000 tx · 10 users · Graph detection + API + Travel Rule
Get started →
Growth
₦1,200,000 · KES 120,000/month
1M tx · 25 users · Custom rules · Dedicated account manager
Get started →

Enterprise plans available from ₦3,000,000/month · Custom SLA · VPC deployment ·Contact sales →

Live Demo

See Kori detect a coordinated
fraud ring in under 30 seconds.

We'll walk your compliance team through a live scenario: ingest transactions, watch alerts fire, click into the graph, and export your CBN evidence package. 30 minutes. No fluff.

  • Real-time transaction ingestion demo
  • Fraud ring graph visualization
  • Explainable AI risk breakdown
  • CBN compliance evidence walkthrough
  • Integration architecture Q&A
Request a Demo
For banks, fintechs, VASPs, and regulators
Or contact us directly: Business@seamount.io · +254-751875374