goAML
goAML is the reporting system built by the United Nations Office on Drugs and Crime that Financial Intelligence Units across East Africa — Kenya's Financial Reporting Centre, Uganda's FIA, Tanzania's FIU, Zambia's FIC and Rwanda's FIC among them — use to receive cash transaction reports (CTRs) and suspicious transaction reports (STRs) from banks, SACCOs, microfinance institutions, forex bureaus and payment providers.
This hub collects Creodata's guides to that system: the XML schema and its mandatory fields, XSD v5 validation and the rejection codes the portal returns, the CTR thresholds and filing deadlines in each country, how to write an STR narrative an analyst can act on, and how core-banking integration turns manual filing into a validated, auditable batch. Start with the complete guide if goAML is new to you, use the country guides when a regulator's rule is the question, and reach for the free XML validator and the error-code library when a submission has just been rejected.
goAML tools & resources
- Start here: The Complete goAML Reporting Guide
- goAML Reporting Platform
- goAML reporting software for Uganda
- goAML reporting software for Tanzania
- goAML reporting software for Zambia
- goAML reporting software for Rwanda
- goAML reporting software for Kenya
- goAML reporting software for Nigeria
- goAML reporting software for Ghana
- goAML reporting software for South Africa
- goAML reporting software for the UAE
- Which countries use goAML: the FIU directory
- goAML platform technical details
- Free goAML XML Validator
- goAML Error Code Library
- goAML Executive Brief
Suspicious Transaction Reports in Rwanda: The 24-Hour Rule, goAML Filing and Penalties (2026)
When Rwandan reporting persons must file an STR with the FIC: the 24-hour rule in Regulations N° 002/FIC/2026, attempted transactions, what the report contains, goAML filing, tipping off and the penalties.
FIC goAML Registration in Rwanda: Step by Step for Reporting Persons (2026)
How Rwandan reporting persons register with the Financial Intelligence Centre on goAML: the 30-day deadline, the compliance officer, the administrator account, the REID, delegation and the fines.
Currency Transaction Reports in Zambia: The USD 10,000 Threshold, the Three-Working-Day Deadline and Filing (2026)
Zambia's currency transaction report rule: the Kwacha equivalent of USD 10,000, three working days, linked transactions, structuring and the CTR form explained.
Suspicious Transaction Reports in Zambia: The FIC's Three-Working-Day Rule, Filing and Tipping-Off (2026)
When Zambian reporting entities must file an STR with the FIC: section 29, the three-working-day deadline, the prescribed form, tipping-off and the penalties.
FIC goAML Registration in Zambia: Who Registers, the Portal Steps and What to Prepare (2026)
How Zambian reporting entities register on the FIC's goAML portal: who registers, the Reporting Entity form, the Administrator, attachments, users and the law.
Cash Transaction Reports in Tanzania: USD 10,000 CTRs, USD 1,000 EFT Reports and the Five-Working-Day Deadline (2026)
Tanzania's cash transaction reports (USD 10,000) and EFT reports (USD 1,000) under GN 420: who files, linked transactions, five working days to file, penalties.
Suspicious Transaction Reports in Tanzania: The 24-Hour Rule, the STR Form and Tipping-Off (2026)
When a Tanzanian reporting person must file an STR with the FIU: section 18's 24-hour rule, the 2022 Regulations' STR form, tipping-off and the penalties.
FIU goAML Registration in Tanzania: Who Registers, the Portal's Steps and What to Prepare (2026)
How Tanzanian reporting persons register on the FIU's goAML portal: organisation first, then users, the mandatory fields, approval by e-mail and the MLRO form.
Large Cash Transaction Reports in Uganda: The UGX 20 Million Threshold, Form A and goAML (2026)
How Ugandan accountable persons report cash and monetary transactions of UGX 20 million (1,000 currency points) to the FIA: Form A, same-day aggregation, LCTR and ALCTR on goAML, timing and penalties.
Suspicious Transaction Reports in Uganda: The Two-Working-Day Rule, the FIA's Timelines and goAML Filing (2026)
When Ugandan accountable persons must file an STR with the FIA: the two-working-day rule, the FIA's alert and investigation timelines, what the report contains, tipping off and the penalties.
FIA goAML Registration in Uganda: Step by Step for Accountable Persons (2026)
Register on the FIA's goAML portal (goaml.fia.go.ug/PRD; test site /TST): the MLCO as admin, four tabs, Forms 1 and 3, 72-hour approval and e-certificates.
goAML Registration in the UAE: SACM, the Authenticator and Entity Registration, Step by Step (2026)
How UAE DNFBPs register on goAML: the documents the Ministry of Economy & Tourism asks for, SACM and authenticator registration on the FIU's eServices, entity registration and approval, logging in, and changing the MLRO.
goAML Report Types in the UAE: STR, SAR, DPMSR, REAR, CNMR, PNMR, HRC and More (2026)
Every goAML report type a UAE reporting entity files: STRs and SARs without delay, DPMSR and REAR at AED 55,000, CNMR and PNMR within five business days of a sanctions match, HRC and HRCA for high-risk countries, and AIF, AIFT, RFI and RFIT.
Cash Transaction Reports in Ghana: CTR and ECTR Thresholds, Deadlines and Filing (2026)
Ghana's cash transaction report (CTR) thresholds by sector — GH¢50,000 for banks and securities, GH¢20,000 for savings and loans and microfinance — the 24-hour deadline, linked transactions, and ECTRs on transfers above US$1,000.
FIC goAML Registration in Ghana: Who Registers, How Onboarding Works and What to Prepare (2026)
How Ghanaian accountable institutions get onto the Financial Intelligence Centre's goAML portal: who registers, the AMLRO's role, the FIC's onboarding, what to prepare and what you file once registered.
Suspicious Transaction Reports in Ghana: The FIC's 24-Hour Rule, Triggers and Tipping-Off (2026)
When a Ghanaian accountable institution must file an STR with the Financial Intelligence Centre: the triggers in section 38 of Act 1044, the 24-hour limit, STRs and SARs, holding a transaction, tipping-off and penalties.
Cash Threshold Reports in South Africa: Section 28 of FICA, R49,999.99 and the 3-Day Rule (2026)
FICA section 28: report cash over R49,999.99 paid to or received from a client to the FIC within 3 business days. What counts as cash, and how to file.
Currency Transaction Reports in Nigeria: The ₦5m and ₦10m Rule, Cash Limits and Foreign Transfers (2026)
Nigeria's currency transaction report rules under the MLPPA 2022: the ₦5 million and ₦10 million thresholds, seven-day reports to the NFIU or SCUML, the cash payment limit, US$10,000 foreign transfers and penalties.
FIC Registration on goAML in South Africa: Who Must Register, the 90-Day Rule and How to Report (2026)
FIC registration on goAML is free and due within 90 days of starting business. Who must register, the steps, branches, updating details and how to file.
NFIU goAML Registration in Nigeria: How Reporting Entities Register, Test and File (2026)
Register on the NFIU goAML portal, test your XML and file, and see which nil and PEP reports go through RapidAML, which replaced the Nil Reports Portal.
Suspicious Transaction Reports in Nigeria: The NFIU's 24-Hour Rule and How to Write an STR (2026)
How Nigerian financial institutions and DNFBPs report suspicious transactions to the NFIU: what triggers an STR under the MLPPA 2022, the 24-hour rule, the NFIU's narrative and document guidance, filing, and tipping off.
Suspicious and Unusual Transaction Reports in South Africa: Section 29 of FICA and the 15-Day Rule (2026)
How South African businesses report suspicious and unusual transactions to the FIC under section 29 of FICA: who must report, STR, SAR, TFTR and TFAR, the 15-day rule and when it starts, tipping off, the FIC's 10-day intervention and penalties.
South Africa FIC goAML Reporting: Registration, CTRs, STRs and TPRs
South Africa's FIC takes reports on goAML (goweb.fic.gov.za): register first, cash over R49,999.99 within 3 business days, STRs within 15 days, and TPRs.
UAE goAML Reporting: STRs, SARs, DPMSR and REAR Under the 2025 AML Law
How UAE financial institutions, VASPs and DNFBPs report to the FIU through goAML under Federal Decree-Law No. 10 of 2025: STRs without delay, DPMSR and REAR at AED 55,000, registration and records.
Ghana FIC goAML Reporting: STR, CTR and ECTR Rules for Banks (2026)
Ghana's FIC takes reports on goAML at reporting.fic.gov.gh: STRs within 24 hours, and cash reports at GH¢50,000 for banks and GH¢20,000 for microfinance.
Nigeria NFIU goAML Reporting: CTR, STR and FTR Rules for Banks (2026)
How Nigerian banks and DNFBPs report to the NFIU through goAML: the ₦5m/₦10m CTR thresholds, 24-hour STR rule, USD 10,000 FTRs, and the 2026 goAML upgrade.
When 40% of a Bank's CTR Batch Came Back Rejected: A goAML Recovery Story
A Kenyan bank was losing days to rejected goAML CTR batches. The fix was not more reviewers — it was validating XML against the FRC schema before submission.
goAML Reporting: The Complete Guide for Banks and FIUs (2026)
goAML is the UNODC system FIUs use to receive CTRs and STRs. What it is, who must report, the XML schema, rejections, and country rules across East Africa.
Rwanda FIC goAML Reporting: A Practical Guide for Banks
How Rwandan banks and reporting persons file STRs and CTRs with the Financial Intelligence Centre through goAML — sector-specific thresholds, the 24-hour STR rule, and 2023–2026 changes.
Tanzania FIU goAML Reporting: A Practical Guide for Banks
Filing STRs with Tanzania's FIU through goAML: the 24-hour deadline, USD 10,000 cash and USD 1,000 EFT reports, registration and the Zanzibar rules.
Uganda FIA goAML Reporting: A Practical Guide for Banks
Uganda's FIA takes reports on goAML at goaml.fia.go.ug: STRs within two working days, cash transactions over UGX 20 million, and the 2024–2026 rule changes.
Kenya CTR Threshold: The USD 15,000 Rule Explained
Kenya's CTR threshold is USD 15,000 or equivalent per cash transaction, filed with the FRC through goAML by Friday of the same week. What counts and what does not.
AML Risk Scoring Engines: How Automated STR Recommendations Work
How AML risk scoring engines cut the time spent on false positives, automate STR recommendations, and help compliance officers focus on real threats.
How to Automate AML Reporting in East Africa: A Practical Guide
Learn how East African banks can automate AML reporting, reduce CTR and STR errors and cut the manual work of goAML filing. A practical implementation guide.
goAML XSD v5 XML Generation: The Complete Technical Guide
Complete technical guide to goAML XSD v5.0.2 XML generation — schema structure, mandatory fields, encoding pitfalls, country extensions, and validation pipelines.
Microservices Architecture for AML Platforms: Why It Matters for Banks
Discover how microservices architecture solves the scalability, resilience, and update challenges that cripple monolithic AML systems in East African banks.
goAML Submission Rejected? How to Diagnose and Fix Common Errors
The 10 most common goAML rejections, from missing IDs and bad date formats to duplicate references, and how to fix the XML and resubmit on time.
goAML XML Schema v5.0.2: CTR and STR Mandatory Fields Reference
Complete reference for goAML XSD v5.0.2 mandatory fields for CTR and STR submissions — field names, data types, Kenya localization rules, and validation requirements.
How to File a CTR with Kenya FRC: A Step-by-Step Guide
Step-by-step walkthrough for compliance officers on preparing and filing a Cash Transaction Report with Kenya's FRC via the goAML portal — from data collection to submission.
How to Write an STR Narrative for goAML: Best Practices
Write STR narratives that satisfy Kenya FRC requirements — the mandatory elements, typology language, common rejection reasons, and templates for compliance officers.
STR Indicator Library: AML Typologies for Kenya Banks (2026)
A comprehensive library of STR indicators and AML typologies for Kenya FRC reporting — covering ML, TF, structuring, mobile money, real estate, and trade finance red flags.
Core Banking Integration with goAML: API, SFTP, and CSV Options
How to integrate core banking systems (T24, Finacle, FlexCube) with a goAML reporting platform using REST API, SFTP file transfer, or CSV import. Field mapping guide included.
On-Premises vs Cloud AML Platform: Which Is Right for African Banks?
On-premises vs cloud AML platform comparison for African banks — regulatory data residency, CBK compliance, deployment costs, and hybrid architecture options.
AML Compliance Landscape in East Africa: 2026 Outlook
2026 AML compliance landscape across Kenya, Uganda, Tanzania, Zambia, and Rwanda — ESAAMLG evaluations, regulatory tightening, mobile money risks, and RegTech trends.
Mobile Money AML Reporting in Kenya: M-PESA, Airtel Money & Beyond
How Kenyan banks should approach AML reporting for M-PESA, Airtel Money, and T-Kash — structuring detection, goAML classification, Daraja API integration, and FRC obligations.
ESAAMLG Mutual Evaluations: What Every East African Bank Must Know
How ESAAMLG mutual evaluations affect East African banks — what assessors look for in AML reporting, common deficiencies, and how to prepare your institution.
goAML Kenya: FRC Registration, Portal Login and CTR/STR Filing (2026 Guide)
Kenya's FRC goAML portal is goaml.frc.go.ke. Who must register, how to log in, and the CTR and STR deadlines and XML rules for filing reports.
POCAMLA and POTA Compliance for Kenya Banks: 2026 Guide
POCAMLA, Kenya's Proceeds of Crime and Anti-Money Laundering Act, explained: duties for banks, SACCOs and MFIs, the 2023 Regulations, POTA and penalties.
Zambia FIC goAML Compliance: A Practical Guide for Banks
How Zambian banks and financial institutions file STRs and CTRs with FIC Zambia through the goAML portal — thresholds, XML rules, and local requirements.