NFIU / MLPPA 2022

Overview

Field	Value
Pack ID	nigeria/nfiu-aml
Full title	NFIU Anti-Money Laundering / Money Laundering (Prevention and Prohibition) Act 2022
Regulator	Nigeria Financial Intelligence Unit (NFIU)
Jurisdiction	Nigeria (NG)

What comply54 enforces

Currency Transaction Reports (CTR)

All cash and electronic transactions of ₦5,000,000 and above must be reported to the NFIU within 24 hours via a Currency Transaction Report.

comply54 returns escalate for these transactions — the transaction is not blocked, but the CTR filing is mandatory:

result = compliance.check(
    action="transfer_funds",
    params={"amount": 5_000_000, "currency": "NGN"},
)
# decision: escalate
# "NFIU/MLPPA 2022: Transaction ≥ ₦5,000,000 — CTR required within 24 hours"

Suspicious Transaction Reports (STR)

Patterns flagged as suspicious trigger an STR requirement:

Pattern	Action
Multiple transfers just below ₦5M threshold (structuring)	escalate
Transfer to/from sanctioned country	deny
Velocity: >3 transfers in 1 hour	escalate
PEP-related transaction	escalate

result = compliance.check(
    action="transfer_funds",
    params={"amount": 4_900_000, "currency": "NGN"},
    context={"structuring_detected": True},
)
# decision: escalate — "STR pattern detected: possible structuring below CTR threshold"

Sanctions screening

Transfers to OFAC/UN-sanctioned destinations are blocked:

result = compliance.check(
    action="transfer_funds",
    params={"amount": 100_000, "currency": "NGN", "destination_country": "IR"},
)
# decision: deny — "NFIU/MLPPA 2022: Transfer to sanctioned jurisdiction blocked"

Input fields used

Field	Path	Description
Action	input.action	"transfer_funds" triggers AML checks
Amount	input.params.amount	Numeric
Currency	input.params.currency	ISO 4217
Destination country	input.params.destination_country	ISO 3166-1
Structuring flag	input.context.structuring_detected	Boolean
PEP flag	input.context.pep_flag	Boolean

Messages returned

NFIU/MLPPA 2022: Transaction ≥ ₦5,000,000 — Currency Transaction Report (CTR) required within 24 hours
NFIU/MLPPA 2022: STR pattern detected — possible structuring to evade CTR threshold
NFIU/MLPPA 2022: Transfer to sanctioned jurisdiction (IR) — blocked per UN/OFAC sanctions

Handling escalations in your agent

result = compliance.check(
    action="transfer_funds",
    params={"amount": 8_000_000, "currency": "NGN"},
)

if result.overall == "escalate":
    nfiu = next(
        (d for d in result.decisions if d.pack == "nigeria/nfiu-aml"),
        None,
    )
    if nfiu and nfiu.action == "escalate":
        # File CTR before executing transfer
        file_ctr(
            amount=8_000_000,
            currency="NGN",
            audit_id=result.audit_id,
            deadline_hours=24,
        )

Regulatory references

• Money Laundering (Prevention and Prohibition) Act 2022 (MLPPA 2022)
• NFIU AML/CFT/CPF Regulations 2023
• Financial Action Task Force (FATF) Recommendations