{"id":910,"date":"2026-10-23T11:01:49","date_gmt":"2026-10-23T00:01:49","guid":{"rendered":"https:\/\/nexiant.ai\/resources\/blogs\/?p=910"},"modified":"2026-10-28T11:07:38","modified_gmt":"2026-10-28T00:07:38","slug":"insights-cbn-baseline-standards-transaction-monitoring","status":"publish","type":"post","link":"https:\/\/nexiant.ai\/resources\/blogs\/insights-cbn-baseline-standards-transaction-monitoring\/","title":{"rendered":"What the CBN\u2019s Baseline Standards Mean for Transaction Monitoring Governance in Nigerian Financial Institutions"},"content":{"rendered":"\n<style>\n  .nx-blog * { box-sizing: border-box; margin: 0; padding: 0; }\n  .nx-blog { font-family: -apple-system, BlinkMacSystemFont, 'Segoe UI', Roboto, sans-serif; font-size: 16px; line-height: 1.75; color: #1a1a2e; max-width: 820px; margin: 0 auto; }\n  .nx-blog h2 { font-size: 1.55rem; font-weight: 700; color: #00184C; margin: 2.5rem 0 0.75rem; padding-bottom: 0.4rem; border-bottom: 3px solid #073EA1; }\n  .nx-blog h3 { font-size: 1.15rem; 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border-radius: 12px; padding: 2rem; text-align: center; margin-top: 2.5rem; }\n  .nx-cta h3 { color: #fff; font-size: 1.3rem; font-weight: 700; margin-bottom: 0.5rem; }\n  .nx-cta p { color: #AEC9FF; font-size: 0.95rem; margin-bottom: 1.25rem; }\n  .nx-cta a { display: inline-block; background: #E11A1A; color: #fff; font-weight: 700; font-size: 0.95rem; padding: 0.7rem 1.8rem; border-radius: 6px; text-decoration: none; transition: background 0.2s; }\n  .nx-cta a:hover { background: #A30000; }\n  .nx-divider { border: none; border-top: 1px solid #e0e7f5; margin: 2rem 0; }\n  .nx-disclaimer { font-size: 0.8rem; color: #888; font-style: italic; text-align: center; margin-top: 1.5rem; }\n\n  @media (max-width: 720px) {\n    .nx-flow { grid-template-columns: 1fr; }\n    .nx-flow-step::after { content: \"\u2193\"; right: 50%; top: auto; bottom: -18px; transform: translateX(50%); }\n    .nx-stack-layer { flex-direction: column; }\n  }\n<\/style>\n\n\n<div class=\"nx-blog\">\n\n  <!-- HERO -->\n  <div class=\"nx-hero\">\n    <span class=\"nx-tag\">Transaction Monitoring &nbsp;\u00b7&nbsp; October 2026 &nbsp;\u00b7&nbsp; Nigeria<\/span>\n    <p class=\"nx-meta\">The Baseline Standards turn transaction monitoring into one of nine linked functions with fixed deadlines, a customer-profile test and a duty to keep fraud tuning from weakening AML detection.<\/p>\n  <\/div>\n\n  <!-- INTRODUCTION -->\n  <p><strong>CBN transaction monitoring requirements<\/strong> changed shape on 10 March 2026. On that date the Central Bank of Nigeria issued <a href=\"https:\/\/www.cbn.gov.ng\/Out\/2026\/CCD\/CBN%20issues%20Baseline%20Standards%20for%20Automated%20Anti-Money%20Laundering%20Solution.pdf\" class=\"nx-inline-link\" target=\"_blank\" rel=\"noopener\">Circular BSD\/DIR\/PUB\/LAB\/019\/002<\/a>, titled \u201cIssuance of Baseline Standards for Automated Anti-Money Laundering (AML) Solution for Financial Institutions in Nigeria\u201d. It followed Nigeria\u2019s removal from the FATF grey list in October 2025.<\/p>\n  <p>According to <a href=\"https:\/\/www.dlapiperafrica.com\/en\/nigeria\/insights\/2026\/Regulatory_Update_Banking_Sector_April_2026\" class=\"nx-inline-link\" target=\"_blank\" rel=\"noopener\">DLA Piper Africa\u2019s analysis<\/a>, the Standards apply to all CBN-regulated entities: deposit money banks, microfinance banks, mortgage institutions, finance companies, mobile money operators, international money transfer operators, payment service providers and other financial institutions. They set minimum functional, governance and control requirements for automated AML\/CFT\/CPF solutions, of which transaction monitoring is one function among several.<\/p>\n  <p>That framing matters for a risk leader. The Standards are less a rule about monitoring than a requirement to run monitoring as part of a linked, auditable system on a fixed timetable.<\/p>\n\n  <!-- TOP VISUAL -->\n  <div class=\"nx-media\">\n    <img decoding=\"async\"\n      src=\"data:image\/svg+xml,%3Csvg xmlns='http:\/\/www.w3.org\/2000\/svg' width='820' height='460' viewBox='0 0 820 460'%3E%3Cdefs%3E%3ClinearGradient id='bg' x1='0' y1='0' x2='1' y2='1'%3E%3Cstop offset='0' stop-color='%2300184C'\/%3E%3Cstop offset='1' stop-color='%23073EA1'\/%3E%3C\/linearGradient%3E%3C\/defs%3E%3Crect width='820' height='460' rx='22' fill='url(%23bg)'\/%3E%3Ctext x='410' y='70' text-anchor='middle' font-family='Arial, sans-serif' font-size='30' font-weight='700' fill='%23ffffff'%3EMonitoring inside nine functions%3C\/text%3E%3Crect x='86' y='132' width='165' height='92' rx='18' fill='%23ffffff' opacity='0.92'\/%3E%3Crect x='328' y='132' width='165' height='92' rx='18' fill='%23ffffff' opacity='0.88'\/%3E%3Crect x='570' y='132' width='165' height='92' rx='18' fill='%23ffffff' opacity='0.84'\/%3E%3Crect x='207' y='272' width='165' height='92' rx='18' fill='%23ffffff' opacity='0.86'\/%3E%3Crect x='449' y='272' width='165' height='92' rx='18' fill='%23ffffff' opacity='0.90'\/%3E%3Ccircle cx='168' cy='162' r='16' fill='%23073EA1'\/%3E%3Ccircle cx='410' cy='162' r='16' fill='%23073EA1'\/%3E%3Ccircle cx='652' cy='162' r='16' fill='%23073EA1'\/%3E%3Ccircle cx='290' cy='302' r='16' fill='%23073EA1'\/%3E%3Ccircle cx='531' cy='302' r='16' fill='%23073EA1'\/%3E%3Ctext x='168' y='198' text-anchor='middle' font-family='Arial, sans-serif' font-size='17' font-weight='700' fill='%2300184C'%3EProfile%3C\/text%3E%3Ctext x='410' y='198' text-anchor='middle' font-family='Arial, sans-serif' font-size='17' font-weight='700' fill='%2300184C'%3EScreen%3C\/text%3E%3Ctext x='652' y='198' text-anchor='middle' font-family='Arial, sans-serif' font-size='17' font-weight='700' fill='%2300184C'%3EMonitor%3C\/text%3E%3Ctext x='290' y='338' text-anchor='middle' font-family='Arial, sans-serif' font-size='17' font-weight='700' fill='%2300184C'%3ECase%3C\/text%3E%3Ctext x='531' y='338' text-anchor='middle' font-family='Arial, sans-serif' font-size='17' font-weight='700' fill='%2300184C'%3EReport%3C\/text%3E%3Ctext x='410' y='410' text-anchor='middle' font-family='Arial, sans-serif' font-size='20' font-weight='600' fill='%23AEC9FF'%3EOne system, three clocks%3C\/text%3E%3C\/svg%3E\"\n      alt=\"CBN transaction monitoring requirements visual showing the linked functions in the CBN Baseline Standards, from customer profiling and screening through transaction monitoring and case management to regulatory reporting and audit\"\n      loading=\"lazy\"\n      width=\"820\"\n      height=\"460\"\n    >\n    <p class=\"nx-caption\">Monitoring is one of nine functions the Baseline Standards expect to be linked, logged and auditable.<\/p>\n  <\/div>\n\n  <!-- QUICK ANSWER -->\n  <div class=\"nx-callout\">\n    <div class=\"nx-callout-title\">Quick answer<\/div>\n    <p>The Central Bank of Nigeria\u2019s Baseline Standards for Automated AML Solutions, issued on 10 March 2026 under Circular BSD\/DIR\/PUB\/LAB\/019\/002, require CBN-regulated institutions to deploy automated AML\/CFT\/CPF solutions that include real-time or near real-time, risk-based transaction monitoring. Roadmaps were due within three months of issuance, deposit money banks must reach full compliance within 18 months and other institutions within 24 months.<\/p>\n  <\/div>\n\n  <h2 id=\"the-nine-functions-the-standards-expect\"><span class=\"ez-toc-section\" id=\"The_nine_functions_the_Standards_expect\"><\/span>The nine functions the Standards expect<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>As summarised by DLA Piper Africa, an institution\u2019s automated solution must at a minimum support nine functions: customer identification and verification, risk profiling, sanctions and watchlist screening, PEP and high-risk customer screening, transaction monitoring, case management, reporting, audit and governance, and data protection and security. For monitoring teams the linkage between them matters as much as any single function, because an alert needs a profile to be judged against, a case to be investigated in and a reporting route when it becomes a suspicious transaction report.<\/p>\n  <div class=\"nx-table-wrap\">\n    <table class=\"nx-table\">\n      <thead>\n        <tr><th>Function<\/th><th>What the Standards expect<\/th><th>Monitoring implication<\/th><\/tr>\n      <\/thead>\n      <tbody>\n        <tr>\n          <td><strong>Customer identification and verification<\/strong><\/td>\n          <td>Including remote and onboarding channels<\/td>\n          <td><span class=\"nx-badge nx-badge--blue\">Onboarding evidence is available to monitoring<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td><strong>Risk assessment and profiling<\/strong><\/td>\n          <td>Customer risk assessment and profiling<\/td>\n          <td><span class=\"nx-badge nx-badge--blue\">The profile is the baseline alerts are judged against<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td><strong>Sanctions, watchlist and PEP screening<\/strong><\/td>\n          <td>Sanctions, watchlists, PEPs and high-risk customers<\/td>\n          <td><span class=\"nx-badge nx-badge--blue\">Screening hits and monitoring alerts meet in one record<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td><strong>Transaction monitoring<\/strong><\/td>\n          <td>Real-time or near real-time, risk-based monitoring for ML, TF and PF risk<\/td>\n          <td><span class=\"nx-badge nx-badge--blue\">Scenarios and thresholds tied to risk category<\/span><\/td>\n        <\/tr>\n        <tr>\n          <td><strong>Case management, reporting and audit<\/strong><\/td>\n          <td>Investigation, regulatory and internal reporting, logs and configuration trails<\/td>\n          <td><span class=\"nx-badge nx-badge--blue\">Every alert, decision and rule change can be reconstructed<\/span><\/td>\n        <\/tr>\n      <\/tbody>\n    <\/table>\n  <\/div>\n\n  <h2 id=\"context-not-raw-transactions\"><span class=\"ez-toc-section\" id=\"Context_not_raw_transactions\"><\/span>Context, not raw transactions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Press reporting of the circular says the CBN expects automated AML solutions to assess activity in the context of the full customer profile rather than monitor on raw transactional data alone. Read with the profiling function, that points to a design test: does an alert for a given customer use that customer\u2019s risk category, expected activity and relationship history, or only the transaction?<\/p>\n  <div class=\"nx-callout\">\n    <div class=\"nx-callout-title\">A design test, not a quoted rule<\/div>\n    <p>The reporting describes the expectation. Whether a given system meets it depends on how profile data reaches the monitoring engine, which each institution should be able to demonstrate.<\/p>\n  <\/div>\n\n  <h2 id=\"fraud-monitoring-on-the-same-platform\"><span class=\"ez-toc-section\" id=\"Fraud_monitoring_on_the_same_platform\"><\/span>Fraud monitoring on the same platform<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>Where an AML solution is also used to monitor fraud, DLA Piper Africa reports, the institution has a duty to segregate, govern and tune the platform\u2019s fraud-related capabilities so that they do not dilute AML\/CFT\/CPF detection effectiveness. The circular also expects fraud-specific controls to meet real-time or near-real-time expectations.<\/p>\n  <p>That is a cross-domain governance rule. A rule change that reduces fraud false positives can change AML alert volumes, and the reverse. Someone has to own both effects.<\/p>\n  <div class=\"nx-signal-panel\">\n    <h3>Signs fraud and AML tuning are colliding<\/h3>\n    <p>Each makes the segregation duty hard to evidence.<\/p>\n\n    <div class=\"nx-signal-grid\">\n      <div class=\"nx-signal\">\n        <strong>One threshold set for both uses<\/strong>\n        <span>Fraud and AML share rules with no record of which purpose a change served.<\/span>\n      <\/div>\n      <div class=\"nx-signal\">\n        <strong>Changes approved by one team<\/strong>\n        <span>Fraud tuning goes live without AML review.<\/span>\n      <\/div>\n      <div class=\"nx-signal\">\n        <strong>No AML effectiveness measure<\/strong>\n        <span>Detection quality is tracked for fraud losses only.<\/span>\n      <\/div>\n      <div class=\"nx-signal\">\n        <strong>Shared queue, mixed priorities<\/strong>\n        <span>AML alerts wait behind fraud alerts without a rule.<\/span>\n      <\/div>\n    <\/div>\n  <\/div>\n\n  <h2 id=\"deadlines-and-accountability\"><span class=\"ez-toc-section\" id=\"Deadlines_and_accountability\"><\/span>Deadlines and accountability<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>The CBN set a tiered timeline from the date of issue. All regulated institutions were to submit implementation roadmaps to the CBN\u2019s Compliance Department within three months, deposit money banks must achieve full compliance within 18 months, and other financial institutions have 24 months. Counted from 10 March 2026, those dates fall on 10 June 2026, 10 September 2027 and 10 March 2028. The dates are calculated, so each institution should confirm them against the circular.<\/p>\n  <p>Three further points come from the same analysis. Institutions seeking fresh CBN authorisation must show compliance or a credible implementation plan. Institutions that operate ineffective AML solutions may face remedial directives, administrative sanctions and penalties, with potential liability for accountable individuals. Institutions using third-party AML solutions must keep a vendor policy covering procurement, implementation, support, change management, incident handling and exit.<\/p>\n  <div class=\"nx-flow\">\n    <div class=\"nx-flow-step\">\n      <div class=\"nx-flow-number\">1<\/div>\n      <h4>10 March 2026<\/h4>\n      <p>Circular issued; implementation starts.<\/p>\n    <\/div>\n    <div class=\"nx-flow-step\">\n      <div class=\"nx-flow-number\">2<\/div>\n      <h4>10 June 2026<\/h4>\n      <p>Roadmaps due within three months (calculated).<\/p>\n    <\/div>\n    <div class=\"nx-flow-step\">\n      <div class=\"nx-flow-number\">3<\/div>\n      <h4>10 September 2027<\/h4>\n      <p>Deposit money banks, 18 months (calculated).<\/p>\n    <\/div>\n    <div class=\"nx-flow-step\">\n      <div class=\"nx-flow-number\">4<\/div>\n      <h4>10 March 2028<\/h4>\n      <p>Other financial institutions, 24 months (calculated).<\/p>\n    <\/div>\n  <\/div>\n\n  <h2 id=\"four-checks-for-the-board-and-the-mlro\"><span class=\"ez-toc-section\" id=\"Four_checks_for_the_Board_and_the_MLRO\"><\/span>Four checks for the Board and the MLRO<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>The roadmap date has passed, so the live questions are about evidence of progress.<\/p>\n  <div class=\"nx-obligations\">\n    <div class=\"nx-obl-item\">\n      <h4>Gap assessment against the nine functions<\/h4>\n      <p>A dated assessment that shows where the current system meets each function.<\/p>\n    <\/div>\n    <div class=\"nx-obl-item\">\n      <h4>Profile-to-alert linkage<\/h4>\n      <p>Evidence that customer risk category and expected activity reach monitoring.<\/p>\n    <\/div>\n    <div class=\"nx-obl-item\">\n      <h4>Fraud and AML governance<\/h4>\n      <p>A named owner and a change record showing both effects of each rule change.<\/p>\n    <\/div>\n    <div class=\"nx-obl-item\">\n      <h4>Vendor policy with an exit route<\/h4>\n      <p>A written policy covering change management, incidents and exit for any third-party solution.<\/p>\n    <\/div>\n  <\/div>\n\n  <h2 id=\"how-nexiant-supports-governed-automated-monitoring\"><span class=\"ez-toc-section\" id=\"How_Nexiant_supports_governed_automated_monitoring\"><\/span>How Nexiant supports governed automated monitoring<span class=\"ez-toc-section-end\"><\/span><\/h2>\n  <p>FraudShield, Nexiant\u2019s specialist transaction-monitoring brand, is built around real-time detection, configurable rule logic and case-management workflows. For automated monitoring under the Baseline Standards, the useful tests of any capability are whether customer profile data reaches rule logic, whether configuration changes leave an audit trail, and whether fraud and AML rules can be governed separately on one platform. Nexiant brings these questions together across KYC, fraud and monitoring as a design discipline, not as a claim about one integrated system.<\/p>\n\n\n  <hr class=\"nx-divider\">\n\n  <h2 id=\"frequently-asked-questions\"><span class=\"ez-toc-section\" id=\"Frequently_Asked_Questions\"><\/span>Frequently Asked Questions<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n  <!-- FAQ -->\n  <div class=\"nx-faq\">\n    <div class=\"nx-faq-item\">\n      <button class=\"nx-faq-q\" aria-expanded=\"false\">What are the CBN Baseline Standards for Automated AML Solutions?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n      <div class=\"nx-faq-a\">They are minimum functional, governance and control requirements for automated AML\/CFT\/CPF solutions, issued by the CBN on 10 March 2026 under Circular BSD\/DIR\/PUB\/LAB\/019\/002. They cover functions including customer due diligence, risk profiling, screening, transaction monitoring, case management, reporting and audit.<\/div>\n    <\/div>\n    <div class=\"nx-faq-item\">\n      <button class=\"nx-faq-q\" aria-expanded=\"false\">Who must comply with the CBN Baseline Standards?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n      <div class=\"nx-faq-a\">According to DLA Piper Africa\u2019s analysis, they apply to all CBN-regulated entities, including deposit money banks, microfinance banks, mortgage institutions, finance companies, mobile money operators, international money transfer operators and payment service providers.<\/div>\n    <\/div>\n    <div class=\"nx-faq-item\">\n      <button class=\"nx-faq-q\" aria-expanded=\"false\">What are the CBN deadlines?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n      <div class=\"nx-faq-a\">Roadmaps were due within three months of the 10 March 2026 issue date, deposit money banks must reach full compliance within 18 months and other financial institutions within 24 months. On a calculated count those dates are 10 June 2026, 10 September 2027 and 10 March 2028.<\/div>\n    <\/div>\n    <div class=\"nx-faq-item\">\n      <button class=\"nx-faq-q\" aria-expanded=\"false\">Do the Baseline Standards require AI?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n      <div class=\"nx-faq-a\">As summarised by DLA Piper Africa, the Standards encourage emerging technologies including AI, machine learning and advanced analytics to improve detection. They require automated, real-time or near real-time, risk-based monitoring, and they expect advanced analytics where appropriate.<\/div>\n    <\/div>\n    <div class=\"nx-faq-item\">\n      <button class=\"nx-faq-q\" aria-expanded=\"false\">What do the Standards say about fraud monitoring on an AML platform?<span class=\"nx-chevron\"><svg viewBox=\"0 0 10 6\" stroke-width=\"1.5\" stroke-linecap=\"round\" stroke-linejoin=\"round\"><path d=\"M1 1l4 4 4-4\"\/><\/svg><\/span><\/button>\n      <div class=\"nx-faq-a\">Where an AML solution is also used for fraud monitoring, the institution must segregate, govern and tune the fraud-related capabilities so they do not dilute AML\/CFT\/CPF detection effectiveness.<\/div>\n    <\/div>\n  <\/div>\n\n  <!-- CTA -->\n  <div class=\"nx-cta\">\n    <h3>Run fraud and AML monitoring under one governance model<\/h3>\n    <p>Speak with a Nexiant expert about governing automated monitoring across AML and fraud for Nigerian institutions, or explore FraudShield\u2019s case-management and rule-configuration capability.<\/p>\n    <a href=\"https:\/\/nexiant.ai\/contact-us\/\">Speak with an expert<\/a>\n  <\/div>\n\n  <p class=\"nx-disclaimer\">This article was accurate at the time of publication in October 2026 and is intended for general informational purposes only. It does not constitute legal, regulatory or compliance advice. Organisations should seek qualified professional guidance in relation to their specific obligations.<\/p>\n\n<\/div>\n\n<script>\n  document.querySelectorAll('.nx-faq-q').forEach(function(btn) {\n    btn.addEventListener('click', function() {\n      var expanded = this.getAttribute('aria-expanded') === 'true';\n      this.setAttribute('aria-expanded', !expanded);\n      this.nextElementSibling.classList.toggle('open', !expanded);\n    });\n  });\n<\/script>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What are the CBN Baseline Standards for Automated AML Solutions?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"They are minimum functional, governance and control requirements for automated AML\/CFT\/CPF solutions, issued by the CBN on 10 March 2026 under Circular BSD\/DIR\/PUB\/LAB\/019\/002. 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They require automated, real-time or near real-time, risk-based monitoring, and they expect advanced analytics where appropriate.\"\n      }\n    },\n    {\n      \"@type\": \"Question\",\n      \"name\": \"What do the Standards say about fraud monitoring on an AML platform?\",\n      \"acceptedAnswer\": {\n        \"@type\": \"Answer\",\n        \"text\": \"Where an AML solution is also used for fraud monitoring, the institution must segregate, govern and tune the fraud-related capabilities so they do not dilute AML\/CFT\/CPF detection effectiveness.\"\n      }\n    }\n  ]\n}\n<\/script>\n","protected":false},"excerpt":{"rendered":"<p>Transaction Monitoring &nbsp;\u00b7&nbsp; October 2026 &nbsp;\u00b7&nbsp; Nigeria The Baseline Standards turn transaction monitoring into one of nine linked functions with fixed deadlines, a customer-profile test and a duty to keep fraud tuning from weakening AML detection. CBN transaction monitoring requirements changed shape on 10 March 2026. On that date the Central Bank of Nigeria issued [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":911,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_aioseo_title":"CBN Transaction Monitoring Requirements 2026 | Nexiant","_aioseo_description":"The CBN\u2019s March 2026 Baseline Standards require automated, risk-based AML monitoring on set deadlines. What they mean for governance and fraud.","om_disable_all_campaigns":false,"footnotes":""},"categories":[85],"tags":[17,38],"class_list":["post-910","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-nigeria","tag-risk-management","tag-transaction-monitoring"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.4 - aioseo.com -->\n\t<meta name=\"description\" content=\"The CBN\u2019s March 2026 Baseline Standards require automated, risk-based AML monitoring on set deadlines. 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