Nigeria's purpose-built CBN AML compliance advisory partner. We help your institution move from manual controls to a structured automation roadmap — starting with a CBN-grade submission document in two weeks and an 18-month implementation plan.
On March 10, 2026, the CBN issued a 27-page circular mandating every licensed financial institution deploy a fully automated AML/CFT system — covering 12 specific technical capabilities. This is not guidance. It carries personal liability for senior executives.
CBN Circular BSD/DIR/PUB/LAB/019/002 took effect on March 10, 2026. Every licensed DMB, PSP, MMO, and fintech must comply. Non-compliance results in administrative sanctions and financial penalties — affecting both the institution and accountable individuals including the CCO and MD personally.
Personal LiabilityDMBs have 18 months for full compliance (September 2027). PSPs, MMOs and fintechs have 24 months (March 2028). But every institution — regardless of type — must submit a formal implementation roadmap to the CBN Compliance Department by June 10, 2026.
86 Days AwayThe CBN explicitly applies a proportionality principle: institutions must calibrate solutions to their size, transaction volume, risk profile, and business model. SJULTRA's tiered consulting service is structured around this — your institution does not need an Oracle FCCM deployment to be compliant.
Calibrated SolutionsThe CBN circular mandates 12 distinct technical capability areas. SJULTRA's service is structured around all 12 CBN baseline standards: the Sprint covers roadmap and governance requirements now, while Sentinel platform capabilities are being developed for pilot testing in November 2026. Every Sprint deliverable maps directly to specific standards.
Every Sentinel Sprint follows a structured, four-phase process. Your institution provides the data. SJULTRA runs a comprehensive cyber asset discovery across your entire IT and compliance environment, generates a structured report, designs the CBN roadmap from that report, and delivers a polished first draft for your review — before any CBN deadline pressure sets in.
Before SJULTRA begins the cyber asset discovery, your institution submits the information below. This is the foundation of the entire Sprint — the quality of your discovery report and roadmap depends directly on the completeness of what you provide here. Most of this information is already in your CCO's or CTO's files. The table below shows every category organised by phase.
All information provided to SJULTRA is subject to a Non-Disclosure Agreement signed before the Sprint begins. No institutional data, transaction information, or gap assessment findings will be disclosed to any third party. SJULTRA holds Professional Indemnity Insurance covering all consulting engagements. A Data Processing Agreement (NDPA-compliant) is executed with every client before any data is shared.
The CBN's proportionality principle means institutions are not all measured by the same ruler. SJULTRA's Sprint is calibrated to each segment's specific risk profile, technical infrastructure, and internal capacity.
Foreign AML vendors offer powerful platforms built for European and North American banks. They cannot offer Nigerian data residency by architecture, knowledge of the CBN examiner's process, or a team that picks up a Lagos phone number when your CCO needs support on June 9.
Sentinel was designed from the language of Circular BSD/DIR/PUB/LAB/019/002 — not adapted from a generic AML framework. Every feature, every rule, every reporting format maps to a specific CBN requirement.
SJULTRA deploys on AWS af-south-1 (Cape Town). All customer PII, transaction records, and case data are processed and stored within Nigeria. The Sentinel screening engine processes only the signals required for compliance checks — no customer names, BVNs, or account numbers leave Nigeria.
Sentinel will operate on a usage-based licence model. Institutions are licensed for platform access and consume tokens as they screen customers, monitor transactions, and generate reports — so cost scales with actual activity, not a fixed monthly commitment regardless of usage.
Sentinel's sanctions, PEP, and adverse media screening is powered by an enterprise-grade intelligence engine covering 200+ global watchlists, 1M+ monitored entities, and a response time under 300ms — the same calibre of infrastructure used by global Tier 1 banks and fintechs.
The Sprint is a standalone consulting engagement. You do not need to commit to any software to receive your CBN roadmap. The Early Access Agreement is optional — but those who sign receive 20% off the Sprint fee, applied immediately, and priority access to Sentinel's usage-based pilot licence when the platform launches in November 2026.
Sentinel will operate on a usage-based licence model — institutions are licensed for access and consume tokens as they use the platform. Pricing is calibrated to transaction volume and screening activity, not a fixed monthly flat fee. Pilot pricing details will be confirmed to Early Access Agreement holders ahead of the November 2026 pilot launch.