Different institutions, different risks.
A tier-one bank, a rural MFB and a fast-growing wallet don't face the same threats or the same examiners. Sentinel ships with the typologies that matter for each, and you switch on what fits.
Modern detection without ripping out your core.
Run Sentinel alongside your core banking system, or replace a legacy monitoring tool that your team has learned to ignore. Feed it from your switch, core or data warehouse, and keep a single view of risk across branches, cards and digital channels.
- Dedicated deployment on Enterprise, including in-country hosting for data residency.
- Single sign-on with your identity provider, and role-based access for every line of defence.
- Evidence for examiners and auditors: the CBN baseline evidence pack, audit log and maker–checker history.
Typical priorities
- Cash structuring around the CTR threshold
- Corporate account pass-through and layering
- PEP relationships and enhanced due diligence
- Card and digital-channel account takeover
- goAML STR and CTR filing at volume
Bank-grade AML at a size that fits an MFB.
MFBs are held to the same AML expectations as larger banks, usually with a far smaller compliance team. Sentinel gives you working monitoring, screening and goAML reporting without a large implementation project or a dollar-denominated licence.
- Ready-made rules you can turn on in shadow mode on day one.
- KYC tier enforcement that alerts when a customer breaches their tier's limits.
- Naira pricing, billed monthly or annually.
Typical priorities
- KYC tier limits and incomplete identity data
- Agent and POS cash-out patterns
- Rapid withdrawal straight after loan disbursement
- BVN and NIN verification at onboarding
- A credible, documented AML programme for examinations
Grow fast without becoming the mule network's favourite wallet.
Fraudsters go where onboarding is easiest and money moves fastest. Sentinel gives your product and risk teams real-time decisions, device intelligence and identity checks through an API your engineers will actually enjoy using.
- Pre-transaction decisions in milliseconds, with fail-open SDKs for Node.js, PHP and Python.
- Device fingerprinting for web, Android and iOS, with emulator, automation and VPN detection.
- Evidence for your partner bank, who will ask how you monitor.
Typical priorities
- Account takeover from new devices and locations
- Mule accounts receiving from many senders
- Synthetic and reused identities at signup
- Rapid in-and-out pass-through
- Keeping friction low for genuine customers
Watch the agent network as closely as the wallets.
High volumes of small transactions, a large agent network and customers on lower KYC tiers make for distinctive risks. Sentinel scores every wallet and agent movement and highlights the clusters worth investigating.
- Velocity and fan-in/fan-out rules tuned for many small payments.
- Shared-device and identity-reuse detection across wallets.
- Network intelligence from other members, if you opt in.
Typical priorities
- Agent float abuse and split cash-outs
- Wallets controlled from one device
- Airtime and bill-payment laundering
- Tier-1 wallets moving tier-3 amounts
- Cross-border expansion across Africa
Nigeria first. Built to travel.
Sentinel is designed so that rules, screening lists, currencies and report formats can be added per jurisdiction. As our customers expand across Africa, we'll add the markets they enter first.
See Sentinel on your own transaction patterns.
Book a 30-minute walkthrough with our team, or start in the free sandbox today and send your first event in minutes.