goAML Zambia: FIC Portal, STR Deadline & CTR Threshold

Short answer: Reporting entities file with the Financial Intelligence Centre (FIC), whose goAML portal is at goaml.fic.gov.zm. Suspicious transaction reports are due not later than three working days after forming the suspicion, and currency transactions equal to or above the Kwacha equivalent of USD 10,000, single or linked, within three working days. Reports are keyed into the portal or uploaded as XML that must validate against the goAML schema. For software that generates and validates those files, see goAML reporting software for Zambia.

Zambia's AML/CFT compliance environment has undergone significant transformation over the past several years. Following the Eastern and Southern Africa Anti-Money Laundering Group (ESAAMLG) mutual evaluation of Zambia and the associated country report, Zambia's government, Financial Intelligence Centre (FIC), and Bank of Zambia (BoZ) have collectively intensified their focus on the quality, timeliness, and completeness of the reports filed with the FIC.

For compliance officers at Zambian commercial banks, development finance institutions, mobile money operators, and designated non-financial businesses and professions (DNFBPs), the message from regulators is clear: reporting is under scrutiny. The FIC's 2024 inspections listed non-reporting of STRs and CTRs among the deficiencies they found, and that year the FIC imposed ZMW 1.2 million in monetary penalties on non-compliant reporting entities.

This guide provides a practical, operational reference for Zambian reporting entities. It covers the legal framework, the goAML portal, CTR and STR requirements specific to Zambia, XML validation rules, and how to deploy an AML reporting platform that serves Zambia's unique requirements — without requiring a separate software solution for every country in your operating footprint.

For regional context, see our companion guides: Kenya FRC goAML Reporting: Complete Guide 2026 and ESAAMLG Mutual Evaluations: What Every East African Bank Must Know. For Zambia's own rules in more depth, see our guides to FIC goAML registration, suspicious transaction reports, currency transaction reports and the Financial Intelligence Centre Act.

Zambia's AML Legal Framework

Financial Intelligence Centre Act, 2010 (Act No. 46 of 2010)

The Financial Intelligence Centre of Zambia (FIC) operates under the Financial Intelligence Centre Act, 2010 (Act No. 46 of 2010), as amended by the Financial Intelligence Centre (Amendment) Acts No. 4 of 2016 and No. 16 of 2020. The Act establishes the FIC as Zambia's financial intelligence unit (FIU), confers on it the powers to receive and analyse financial intelligence, and creates the legal obligation for reporting entities to submit Suspicious Transaction Reports (STRs) and Currency Transaction Reports (CTRs) — the Zambian equivalent of Kenya's Cash Transaction Reports.

The FIC Act defines the categories of "reporting entities" subject to reporting obligations — banks and other financial institutions, insurers, securities firms, casinos, lawyers, accountants and estate agents among them — and grants the FIC powers to inspect, investigate, and sanction institutions that fail to meet their obligations. Since the 2020 amendment the Act also recognises a separate, narrower class of "accountable institutions": motor vehicle dealers, property developers, safe-custody providers, co-operative societies and travel agents, which carry customer due diligence, currency transaction reporting and record-keeping duties. The Act has been supplemented by regulations — principally the Financial Intelligence Centre (Prescribed Threshold) Regulations, 2022 (Statutory Instrument No. 53 of 2022) and the Financial Intelligence Centre (General) Regulations, 2022 (Statutory Instrument No. 54 of 2022) — and by FIC guidelines that provide operational detail on reporting formats, thresholds, and timelines.

Amendments to the FIC Act have progressively strengthened the Centre's powers: the 2016 amendment gave it an inspectorate, the power to freeze an account or suspend a transaction for up to 15 days, and administrative sanctions, which since the 2020 amendment run from a caution up to a financial penalty of one million penalty units.

Prohibition and Prevention of Money Laundering Act, 2001

Money laundering is criminalised by the Prohibition and Prevention of Money Laundering Act, 2001 (Act No. 14 of 2001, amended by Act No. 44 of 2010). The Act also establishes the Anti-Money Laundering Authority and the Anti-Money Laundering Investigations Unit — the investigative framework that gives effect to the intelligence gathered by the FIC — and it defines the money laundering offences and the penalties that apply to them.

For reporting institutions, the Prohibition and Prevention of Money Laundering Act is relevant primarily because it defines the underlying offences that STRs are meant to detect and report. When a compliance officer forms a suspicion that a transaction may be connected to money laundering, it is that Act's definition of the offence — and its broad scope covering layering, integration, and any dealing in proceeds of crime — that informs the threshold for filing.

FATF and ESAAMLG Alignment — Zambia's Risk Assessment and Next Mutual Evaluation

Zambia was not on the FATF's increased-monitoring or call-for-action lists after the June 2026 plenary, and we found no FATF listing of Zambia since 2010. Its third-round mutual evaluation begins in December 2027. Zambia's second National Risk Assessment, launched on 19 March 2026, and the FIC's 2024 statistics give the most recent picture. Findings relevant to reporting institutions include:

Medium national risk for money laundering, down from medium-high in 2016, with real estate, casinos, law firms and dealers in precious stones and metals rated high
Reporting concentrated in banks, which filed 8,710 of the 8,981 STRs the FIC received in 2024 (96.9%)
DNFBP sectors that filed no STRs in 2024: law firms, accounting firms, real estate agents, dealers in precious stones and minerals, and trust and company service providers

FIC Zambia and the goAML Portal

How FIC Uses the UNODC goAML System

Like Kenya's FRC, the FIC Zambia has adopted the UNODC goAML system as its primary platform for receiving financial intelligence from reporting institutions. The FIC began implementing goAML in 2023 and, in mid-2024, planned to go live in the third quarter of 2025; we found no announcement of the actual go-live date. The goAML portal accepts Suspicious Transaction Reports, Currency Transaction Reports, and other report types in XML format conforming to the goAML XML schema, which the portal's settings gave as version "5.0" on 1 October 2026.

FIC analysts turn those reports into intelligence: in 2024 the FIC analysed 18,330 reports, some received in earlier years, and disseminated 951 intelligence reports to law enforcement agencies and foreign competent authorities, 573 of them to the Zambia Revenue Authority. The quality of the intelligence available for analysis is entirely dependent on the quality of the reports submitted.

Reports filed with the FIC also feed Zambia's national risk assessment. The 2025 assessment counted 30,620 STRs and 1,327,832 CTRs received from 2019 to 2024 and found that "the suspicious transaction and currency transaction reporting system was automated and the majority of reports from reporting entities were received electronically".

Reporting Entities Required to Register with FIC

Zambian reporting entities submit electronic reports to the FIC on its goAML portal and must register on it before they can log in. We found no provision that names goAML or requires goAML registration: the FIC Act requires the FIC to keep a register of all reporting entities (section 36A), and SI 54 of 2022 requires every reporting entity to be registered or licensed by a designated supervisory authority (regulation 20). Reporting entities include:

Commercial banks, building societies, and finance companies regulated by the Bank of Zambia
Microfinance institutions
Mobile money operators and payment system providers
Insurance companies and brokers regulated by the Pensions and Insurance Authority (PIA)
Securities dealers and collective investment scheme managers regulated by the Securities and Exchange Commission of Zambia (SEC)
Casinos and gaming operators
Real estate agents (when acting in a transaction capacity)
Dealers in precious metals and stones
Accountants and auditors in public practice
Lawyers when handling client funds or real property transactions
Money changing businesses (forex bureaus)

Co-operative societies, property developers, motor vehicle dealers, safe-custody providers and travel agents fall into the separate "accountable institutions" class created by the 2020 amendment. They carry customer due diligence, currency transaction reporting and record-keeping duties, at the same USD 10,000-equivalent threshold described below.

Institutions that have not registered on the goAML portal cannot submit reports through it, and breaching regulation 20 makes an institution liable to an administrative sanction under the Act. The portal's registration form includes an "Administrator" step; the FIC has not said who must hold that role, but its pre-goAML guidelines gave portal credentials to the FIC-approved compliance officer, so confirm with the FIC and update the portal's users whenever your Compliance Officer changes.

Differences from Kenya FRC in Practice

While both Kenya's FRC and FIC Zambia use the same underlying goAML platform, there are meaningful operational differences in how the two FIUs have configured and operate their goAML instances.

The FIC Zambia portal interface differs from the FRC Kenya interface in several respects: field labelling conventions, help text, and the specific dropdown option lists for transaction types and indicator codes are configured differently to reflect Zambia's typologies and legal framework. Zambian institution codes and branch codes use FIC-assigned identifiers rather than the CBK codes used in Kenya.

We found no FIC goAML user guide or published field-level validation rules for Zambia. Zambian nationals are identified by the National Registration Card (NRC) rather than Kenya's National ID, and the data worth capturing for individuals and entities is set out below. Compliance teams operating across both Kenya and Zambia must ensure that their XML generation logic applies the correct country-specific rules.

Error handling and portal feedback may also differ, and Zambia's portal has a short track record. Its help text says only "Kindly contact the FIC for any assistance with the system", so validate every file before upload rather than relying on the portal's rejection messages to find errors.

CTR Threshold in Zambia

Current Threshold: the Kwacha Equivalent of USD 10,000

Zambia's Currency Transaction Report threshold is the Kwacha equivalent of USD 10,000. Under section 30 of the FIC Act and regulation 7 of the Financial Intelligence Centre (Prescribed Threshold) Regulations, 2022 (Statutory Instrument No. 53 of 2022), a reporting entity must report any currency transaction "equal to or above the kwacha equivalent of ten thousand United States dollars", whether it is carried out in Kwacha or in foreign currency, and whether it is a single transaction or several transactions that appear to be linked. The report is due "promptly but not later than three working days".

Because the threshold is expressed in US dollars, its Kwacha value moves with the exchange rate, so detection rules need a current rate rather than a fixed Kwacha figure. The threshold is set by statutory instrument, not by FIC circular: SI 53 of 2022 revoked the 2016 threshold regulations (SI 52 of 2016), and any future change would come the same way. The same USD 10,000 line applies to accountable institutions.

The FIC's guidance and the prescribed CTR form describe CTRs as cash transactions; on that reading the rule catches cash deposits, cash withdrawals, cash foreign exchange, and cash remittance payments. Since 2020, however, the Act has defined "currency" to include electronic or virtual form, so whether electronic transfers, cheque deposits, and card transactions count toward the CTR threshold is not settled on paper. Report cash (currency) transactions at or above the line, ask your supervisory authority or the FIC in writing how it reads the wider definition, and remember that suspicious transactions of any form remain subject to STR obligations.

Multi-Currency and USD Equivalent Reporting

Zambia has a significant US dollar economy — particularly in the mining, agriculture export, and cross-border trade sectors. USD cash transactions are common, and because the threshold itself is set in US dollars, every cash transaction has to be tested against the Kwacha equivalent of USD 10,000: a US dollar transaction compares with USD 10,000 directly, while Kwacha and other-currency transactions are converted.

We found no rule on which exchange rate turns USD 10,000 into Kwacha, in SI 53 of 2022, the Fourth Schedule to SI 54 of 2022, the FIC's 2023 guidelines for non-bank financial institutions or its 2019 banking guidelines. The prescribed CTR form has no exchange-rate field either: it asks for "Total cash in (K)*", "Total cash out (K)" and the "Foreign Currency Amount and Type (specify)". Choose one documented source and time of day, apply it to every transaction, and keep the rate used with each report.

Where linked transactions are in different currencies — a customer making a USD cash deposit and a related ZMW cash deposit — both must be converted on the same basis and tested together against the threshold, with the rate used kept on file.

Linked Transactions, Not Same-Day Aggregation

Zambia's rule is not a same-business-day aggregation rule. Regulation 7 of SI 53 of 2022 covers a single currency transaction at or above the threshold and several transactions that appear to be linked. The test is whether transactions appear to be linked, not whether they fall on one business day, so monitoring has to look across days as well as across branches and channels, and institutions need a documented, consistently applied approach to deciding when transactions are linked. (Kenya takes a different line again: the FRC's position is that same-day sub-threshold cash transactions in a single account are not aggregated for CTR purposes, and suspected splitting is handled through an STR.)

Institutions with multiple branches must have a centralised transaction monitoring capability that can match customers across branches in real time. The NRC number (National Registration Card for individuals) and the PACRA registration number (Patents and Companies Registration Agency, for legal entities) are the primary identifiers for customer matching when identifying linked transactions.

As a matter of prudent practice, add the values of linked transactions together rather than netting deposits against withdrawals; it is the combined value that is compared with the threshold.

STR Filing Requirements for Zambian Institutions

Typologies Specific to Zambia

The FIC's 2023 sector guidelines give non-exhaustive lists of red flags, and its 2024 Trends Report names the commonest reasons for suspicion, led by large or unusual cash deposits, outward remittances and cash withdrawals. Compliance officers should calibrate their transaction monitoring rules to those sources and to patterns such as these:

Mining sector proceeds: Zambia's copper and cobalt mining industry generates significant financial flows. Compliance red flags include unexplained cash-intensive businesses operating near mining districts, payments referencing mineral purchases or "brokerage" from unregistered entities, and high-value cash transactions inconsistent with the stated business profile of mining-adjacent businesses.

Cross-border cash movements: Zambia borders eight countries and has significant informal cross-border trade. High-value cash deposits following travel to border towns (Chirundu, Nakonde, Livingstone), transactions referencing informal trade in goods, and remittance patterns inconsistent with formal employment are known risk indicators.

Informal money transfer (hawala and equivalent): Zambia has a significant informal money transfer ecosystem, particularly serving cross-border remittances to and from DRC, Zimbabwe, Tanzania, and Mozambique. Transactions that appear to be hawala payments — structured to aggregate under thresholds, with no identifiable business purpose — deserve close review: the FIC lists "structured deposits below the reporting thresholds" and "immediate international remittance following cumulation of funds" among the common reasons for suspicion in the STRs it received in 2024.

Real estate layering: Real estate transactions can be used as a layering vehicle, and Zambia's 2025 National Risk Assessment rates real estate's money laundering risk high. Cash-intensive construction payments, nominee property purchases, and real estate agents accepting large cash retainers are common indicators.

Narrative Requirements Under Zambian FIC Guidance

The prescribed STR form for financial service providers (Form IV in SI 54 of 2022) asks filers to "describe clearly and completely the factors or unusual circumstances that led to the suspicion", to say whether the transaction is isolated or involves other transactions, to give "details of other entities or persons involved in the transaction" and to say whether the matter has been reported to a law enforcement agency. Regulation 17(2) requires "a full description of the suspicious transaction" and the reason it is considered suspicious. In practice, Zambian STR narratives should:

State clearly and factually what transactions were observed, in what amounts and on what dates
Explain specifically why the observed transactions are inconsistent with the customer's known profile, business type, or financial history
Reference any customer explanation provided and why it was insufficient to resolve the suspicion
Connect the observed activity to a named typology or risk category where possible
Avoid vague characterisations such as "transaction appears unusual" without substantiation
Be written in clear English (Zambia's official reporting language for goAML submissions)

Supervisors are examining reporting processes: in 2024 the Bank of Zambia's examinations of eight bureaux de change, conducted with the FIC, found deficiencies in suspicious transaction reporting processes as well as in customer due diligence and sanctions screening.

Filing Deadline: Within 3 Working Days of Suspicion Forming

FIC Zambia's reporting deadline for STRs is three working days. Section 29 of the FIC Act requires a reporting entity that suspects property is the proceeds of crime, or is linked to terrorism or proliferation financing, to report to the FIC "not later than three working days after forming the suspicion", and the duty covers attempted transactions. The FIC's 2022 STR guidance note and the reporting forms in SI 54 of 2022 restate the same deadline. Kenya's window is shorter — two days after the suspicion arose — so groups operating in both markets cannot run one clock for both.

The three-working-day clock begins when a suspicion has been formed — not when an internal investigation is complete. If an alert is escalated to the compliance team and it is clear that reasonable grounds for suspicion exist, the clock starts. Internal review, additional due diligence, and narrative drafting must all be completed within three working days.

This requirement makes automated report preparation particularly valuable in Zambia: if the platform pre-populates the case with transaction data, customer identity, and a structured narrative template, the compliance officer's task is review and approval — not data assembly — and filing within three working days becomes consistently achievable.

Zambia-Specific XML Validation Rules

Occupation Fields

We found no published FIC rules on which goAML fields are mandatory, so treat the fields in this section as good practice to confirm with the FIC once you are registered. For every individual named in an STR or CTR — whether as an account holder, counterparty, or subject of suspicion — the XML should include:

Occupation
Employer name (where the individual is employed)
Nature of business (for self-employed or business owners)
Source of funds (for high-value transactions)

Compliance teams should ensure their core banking and KYC systems capture this data at onboarding and that it flows through to goAML XML generation.

Beneficial Ownership for Entities

We found no FIC rule requiring beneficial owners' ownership percentages in STR or goAML submissions. But the prescribed STR narrative asks for the other persons involved in the transaction, and the FIC lists "use of Zambian owned companies and personal accounts to conceal beneficial ownership" among the common reasons for suspicion in 2024 STRs. When a legal entity (company, trust, partnership) is named in an STR, the submission should include:

The entity's full legal name and PACRA registration number
The entity's registered address
The names and NRC numbers of the beneficial owners — under the FIC Act, the natural persons who ultimately own or control the entity
Where beneficial ownership cannot be established, the reason should be stated in the narrative

Current FIC law sets no percentage threshold for beneficial ownership. The 25% "control" test that many institutions still apply came from the Financial Intelligence Centre (General) Regulations, 2016 (SI 9 of 2016), which SI 54 of 2022 revoked without restating a percentage. If your policy uses a percentage, treat it as an internal screening line and still identify anyone who ultimately owns or controls the entity below it.

Beneficial ownership transparency is also the subject of FATF Recommendation 24 (transparency and beneficial ownership of legal persons). Institutions that cannot provide beneficial ownership data in their STR XML submissions have a KYC gap to close.

NRC (National Registration Card) as Primary ID

For Zambian nationals, the usual identity document is the National Registration Card (NRC); the goAML portal's own user-registration form has a field for the NRC number.

We found no FIC guidance on how NRC numbers should be formatted in goAML reports, so record the number exactly as it appears on the card and confirm the expected format with the FIC once registered.

For non-Zambian nationals, a valid passport is the usual identity document; capture the nationality, passport number, country of issue, and expiry date.

For legal entities, the PACRA registration number serves as the primary identifier, formatted exactly as issued by PACRA.

Deploying an AML Platform for Zambia

Country Profile Configuration Approach

A well-architected AML reporting platform does not require separate software deployments for each country in which your institution operates. Instead, it uses a country profile configuration layer that stores each FIU's specific rules — thresholds, identifier formats, mandatory fields, indicator code sets, exchange rate methodology, and XML validation rules — as configuration data rather than hard-coded logic.

For Zambia, the country profile holds the FIC's CTR threshold — the Kwacha equivalent of USD 10,000 — and its validation rules as configuration rather than custom code. When a compliance officer generates a CTR or STR for a Zambian transaction, the platform automatically applies Zambia's rules — not Kenya's or Uganda's.

This approach means that a bank operating in both Kenya and Zambia uses a single platform instance, and their compliance teams in both countries work in the same interface. The country-specific logic is handled transparently by the platform, without any action required from the compliance officer.

No Code Changes Required — Only Configuration Per Country

When FIC Zambia updates its XML requirements — for example, adding a new mandatory field or changing the format of an existing field — the platform vendor updates the Zambia country profile configuration. No custom code is needed. The same is true when thresholds change or new indicator codes are added.

This has a meaningful practical benefit: compliance teams are insulated from the technical complexity of maintaining XML schemas, and the vendor takes responsibility for keeping country configurations current as regulatory requirements evolve. This is particularly valuable in East Africa, where multiple FIUs are actively developing and updating their goAML implementations.

Multi-Country Deployment: Same Platform, Different Country Profiles

For financial groups with operations across multiple East African markets — a common structure for banks operating in, say, Kenya, Zambia, Uganda, and Tanzania — a multi-country AML platform provides a consolidated view of compliance performance across all jurisdictions while applying jurisdiction-specific rules to each submission.

The consolidated view enables regional compliance leadership to monitor CTR and STR filing rates, rejection rates, and outstanding cases across all markets in a single dashboard. Country-level compliance officers retain autonomy over their jurisdiction's submissions, but the regional CMLRO has oversight visibility they cannot achieve with country-specific tools.

Creodata's goAML platform includes country profiles for Kenya (FRC), Zambia (FIC), Uganda (FIA), Tanzania (FIU Tanzania), and Rwanda (FIC Rwanda), each of which administrators can configure.

Compliance Checklist for Zambian Reporting Entities

Use this checklist to assess your institution's readiness against FIC Zambia's goAML compliance requirements.

1. FIC Registration: Your institution is registered with FIC Zambia and has a current, active goAML portal account. Your designated Compliance Officer / MLRO has been approved by the FIC and their contact details are up to date.

2. CTR Threshold Monitoring: You have a real-time or near-real-time monitoring capability that detects cash transactions at or above the Kwacha equivalent of USD 10,000, identifies linked transactions across all branches and channels, converts currencies using a documented exchange rate methodology, and gets CTRs to the FIC within three working days.

3. STR Detection Process: You have defined suspicious activity red flags aligned to Zambian typologies (mining, cross-border cash, informal remittances, real estate). Alerts are reviewed and escalated promptly, with a documented process for filing STRs within three working days of suspicion being formed.

4. XML Generation: Your CTR and STR XML is generated to the goAML XML schema version the FIC's portal reports ("5.0" on 1 October 2026) with FIC Zambia-specific rules applied — including NRC numbers, occupation fields, beneficial ownership for entities, and correct ZMW/foreign currency handling.

5. Pre-Submission Validation: Your XML is validated against the FIC Zambia schema and rule set before submission. Errors are corrected before the portal sees the file. Rejections at the FIC portal are the exception, and each one is traced to its cause.

6. Narrative Quality: Your STR narratives follow the prescribed STR form's instruction — factual, specific, explaining clearly the factors that led to the suspicion, and consistent with the reasons for suspicion ticked on the form. Vague or conclusory narratives are reviewed by the Compliance Officer before submission.

7. Beneficial Ownership: Your KYC onboarding process collects beneficial ownership information for all legal entity customers — the natural persons who ultimately own or control them, not only those above a percentage line. This data is captured in your CRM/core banking system and flows into STR XML submissions automatically.

8. Staff Training: All customer-facing staff and compliance team members have received AML/CFT training covering Zambian typologies, the FIC reporting obligation, and the tipping-off prohibition. Training records are maintained and updated annually.

9. Audit Trail: Every CTR and STR has a documented approval record showing who identified the case, who reviewed it, who approved it, and when it was submitted. The audit trail is immutable and available for FIC inspection.

10. Resubmission Process: You have a defined process for handling FIC portal rejections — identifying the error, correcting the XML, and resubmitting within the remaining window of the original deadline. The resubmission is documented in the case audit trail.

Frequently asked questions

What is the CTR threshold in Zambia?

The Kwacha equivalent of USD 10,000. A reporting entity reports any currency transaction equal to or above that amount, in Kwacha or foreign currency, whether it is a single transaction or several transactions that appear to be linked, within three working days (section 30 of the Financial Intelligence Centre Act and Statutory Instrument No. 53 of 2022). The FIC's guidance and the prescribed form speak of cash, but since 2020 the Act has defined "currency" to include electronic or virtual form, so whether electronic transfers, cheques and card transactions count is not settled; ask your supervisory authority or the FIC. Suspicious transactions of any kind remain subject to the STR obligation.

How are US dollar cash transactions reported to FIC Zambia?

The threshold is itself set in US dollars, so a dollar cash transaction of USD 10,000 or more is reportable, and Kwacha or other-currency cash is converted to test it. The prescribed CTR form asks for the Kwacha totals and the foreign currency amount and type. We found no rule on which exchange rate to use, so choose one documented source and time of day, apply it consistently, and keep the rate used with each report.

What is the STR filing deadline in Zambia?

Not later than three working days after forming the suspicion, under section 29 of the Financial Intelligence Centre Act — longer than Kenya's two days. The duty covers attempted transactions. The clock starts at suspicion, so review, additional due diligence and the narrative must all fit inside those three working days.

Are same-day cash transactions aggregated for Zambian CTRs?

Not by calendar day. Zambia's rule covers a single currency transaction at or above the Kwacha equivalent of USD 10,000 and several transactions that appear to be linked, so the test is whether transactions appear to be linked, not whether they fall on one business day. Monitoring should therefore look across branches, channels and days, using the NRC number for individuals and the PACRA number for entities to match customers.

Deploy Zambia-Ready AML Reporting with Creodata

FIC Zambia's enforcement activity is increasing — it inspected 55 reporting entities in 2024, up from 28 in 2023 — and Zambia's third-round mutual evaluation begins in December 2027. Institutions that rely on manual XML production, spreadsheet-based threshold monitoring, and generic narrative templates are carrying compliance risk they cannot afford.

Creodata's goAML Reporting Platform generates schema-valid goAML XML from core-banking data, validates every report against the schema and business rules before submission, and keeps an immutable record of every report, amendment and filing.

For the screening, transaction monitoring, customer risk rating and case management that sit around those filings, see AML compliance software in Zambia; for the goAML filing itself, see goAML reporting software for Zambia.

See it on your own report types — request a demo.