Regulatory Returns & Compliance - Nucleus Core Banking

Nucleus automates statutory reporting for licensed Microfinance Banks operating under Central Bank of Nigeria (CBN) and Nigeria Deposit Insurance Corporation (NDIC) oversight.

1. Compliance Roles & Permissions

Compliance Officer (Role 320005): Full read/write authority on regulatory return generation, AML investigation files, duplicate BVN checks, and sanctions screening.
Internal Auditor (Role 320006): Read-only supervisory review across all regulatory filings.

2. Automated Return Schedules

Schedule Name	Regulator	Frequency	Description
e-FASS MBR 300	CBN	Monthly	Statement of Assets and Liabilities
e-FASS MBR 302	CBN	Monthly	Breakdown of Loans and Advances by Sector
CRMS Returns	CBN	Daily / Event	Credit Risk Management System credit updates
NDIC Schedule 1	NDIC	Quarterly	Total insurable deposits and premium assessment
CTR (Currency Transaction Report)	NFIU / CBN	Weekly	Single cash transactions $\ge$ ₦5,000,000 (individuals) or ₦10,000,000 (corporates)
STR (Suspicious Transaction Report)	NFIU	Immediate	Pattern-based anomaly or flagged accounts

3. Generating a Regulatory Return Export

POST /nucleus/api/v1/regulatory/exports?tenantIdentifier=pilot-mfb
Content-Type: application/json

{
  "scheduleCode": "CBN_MBR_300",
  "reportingPeriod": "2026-08",
  "format": "XML"
}