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Documentation Index

Fetch the complete documentation index at: https://ratel-docs.bevars.com/llms.txt

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These 7 rules implement the Central Bank of Nigeria AML/CFT Act requirements. They are always active and cannot be disabled by any tenant.
RuleTriggerScoreAuto-Actions
CBN-001 Cash ThresholdCash deposit/withdrawal ≥ ₦5,000,00060Generate CTR, Notify Officer
CBN-002 Transfer ThresholdElectronic transfer ≥ ₦10,000,00050Generate CTR, Notify Officer
CBN-003 Structuring DetectionSingle txn ≥ 80% of threshold, OR 3+ txns in 24h exceeding threshold cumulatively80Generate SAR, Create Case, Notify Officer
CBN-004 PEP ScreeningSender identified as Politically Exposed Person (from global watchlists)70Create Case, Enhanced Due Diligence, Notify Officer
CBN-005 Foreign TransferInternational transfer or receiver country ≠ NG40Generate FTR, Notify Officer
CBN-006 Dormant AccountNo transaction activity for ≥ 180 days65Create Case, Enhanced Due Diligence, Notify Officer
CBN-007 Rapid Succession≥ 5 transactions within 60 minutes from same account75Create Case, Notify Officer

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Structuring Detection Logic (CBN-003)

threshold = (isCash ? ₦5,000,000 : ₦10,000,000)
structuring_line = threshold × 0.80

Trigger A: single_amount ≥ structuring_line AND < threshold
    → "Just-below-threshold" pattern

Trigger B: count(24h_txns) ≥ 3 AND sum(24h_amounts) ≥ threshold
    → Cumulative structuring