{"id":1773,"date":"2026-09-03T10:46:43","date_gmt":"2026-09-03T10:46:43","guid":{"rendered":"https:\/\/blog.probecompliance.com\/?p=1773"},"modified":"2026-09-03T11:21:35","modified_gmt":"2026-09-03T11:21:35","slug":"probes-aml-compliance-data-sources-a-product-walkthrough","status":"publish","type":"post","link":"https:\/\/blog.probecompliance.com\/index.php\/2026\/09\/03\/probes-aml-compliance-data-sources-a-product-walkthrough\/","title":{"rendered":"Probe&#8217;s AML compliance data sources: A Product Walkthrough"},"content":{"rendered":"\n<figure class=\"wp-block-image size-full\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"536\" src=\"https:\/\/blog.probecompliance.com\/wp-content\/uploads\/2026\/09\/Probes-AML-compliance-data-sources-A-Product-Walkthrough.png\" alt=\"Overview of AML compliance data sources on Probe's compliance platform dashboard\" class=\"wp-image-1774\"\/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Every AML\/CFT decision a financial institution makes is only as good as the data behind it. A KYC check that skips a sanctions list, a PEP screen that misses a raw, unprocessed name variant, an onboarding flow that never verifies a BVN against NIBSS: each of these is a gap a bad actor can walk through. Regulators know this, which is why &#8220;reasonable measures&#8221; and &#8220;adequate due diligence&#8221; keep showing up in AML\/CFT guidance across every jurisdiction. What counts as reasonable and adequate is defined, in practice, by the breadth and depth of the data an institution screens against.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This is where Probe&#8217;s datasource lists come in. Instead of forcing compliance teams to stitch together government portals, credit bureaus, sanctions feeds, and manual web searches, Probe brings the full range of AML compliance data sources into one platform, queried the same way, every time. Below is a walkthrough of what&#8217;s actually inside that list and why each category earns its place.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Identity Verification: Confirming Someone Is Who They Say They Are<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Identity verification is the foundation every other check sits on. Probe pulls directly from Nigeria&#8217;s primary identity registries:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>NIMC and NIMC 2<\/strong> verify National Identification Numbers through two independent query paths, with <strong>NIMC Liveness<\/strong> matching a live selfie against the NIN record and <strong>NIMC Slip<\/strong> returning the verification alongside the official NIN slip.<\/li>\n\n\n\n<li><strong>INEC<\/strong> confirms Voter&#8217;s Card details against the electoral register.<\/li>\n\n\n\n<li><strong>FRSC and FRSC 2<\/strong> verify driver&#8217;s licenses through separate lookup methods.<\/li>\n\n\n\n<li><strong>NIS and NIS 2<\/strong> verify Nigerian passports, one route requiring an existing NIN and the other working from name-based matching.<\/li>\n\n\n\n<li><strong>NCC<\/strong> ties a phone number back to its registered owner.<\/li>\n\n\n\n<li>Outside Nigeria, <strong>Kenya NRB<\/strong> verifies Kenyan national IDs as Probe&#8217;s regional footprint grows.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">For an institution onboarding a customer, this is the difference between accepting a document at face value and confirming it against the issuing authority itself. A forged or borrowed ID does not survive a live NIMC or FRSC query.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Corporate and Business Verification: Knowing Who You&#8217;re Really Dealing With<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">KYB deserves the same rigor as KYC, arguably more, since corporate structures are a favored vehicle for layering illicit funds. Probe&#8217;s corporate datasources include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CAC, CAC 2, and CAC 3<\/strong> search Nigeria&#8217;s Corporate Affairs Commission by name, RC number, or a combination, surfacing registration details, directors, and shareholders.<\/li>\n\n\n\n<li><strong>CAC Status Report<\/strong> confirms whether a registered entity is active, inactive, or has been struck off.<\/li>\n\n\n\n<li><strong>Companies House (CH)<\/strong> extends the same capability to UK-registered entities, essential for institutions with cross-border exposure.<\/li>\n\n\n\n<li><strong>Kenya BRS<\/strong> verifies business registration in Kenya as part of Probe&#8217;s East African expansion.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">A financial institution that only checks an individual and never verifies the company behind them is leaving the door open to shell entities, nominee directors, and beneficial owners who never appear on the paperwork.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Sanctions and Watchlist Screening: The Non-Negotiable Layer<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Sanctions screening is where AML programs face zero tolerance from regulators. Probe screens against the full range of lists that matter for institutions operating in or transacting with Nigeria, the UK, and globally:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>OFAC SDN and OFAC Non-SDN<\/strong> cover the US Treasury&#8217;s Specially Designated Nationals and Consolidated Sanctions Lists.<\/li>\n\n\n\n<li><strong>OFSI AFT, OFSI IBT, and OFSI UKSL<\/strong> cover the UK&#8217;s Asset Freeze Targets, Investment Ban Targets, and the consolidated UK Sanctions List.<\/li>\n\n\n\n<li><strong>UNSCCL<\/strong> screens against the United Nations Security Council Consolidated List.<\/li>\n\n\n\n<li><strong>NIGSAC<\/strong> covers Nigeria&#8217;s own Sanctions Committee list.<\/li>\n\n\n\n<li><strong>INTERPOL RED 2 and INTERPOL UN 2<\/strong> surface Interpol Red Notices and UN Security Council Special Notices.<\/li>\n\n\n\n<li><strong>NIBSS Watchlist<\/strong> screens BVN records against Nigeria&#8217;s interbank watchlist.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Running a customer against one sanctions list and stopping there is a common but costly shortcut. Sanctioned individuals and entities frequently appear on regional lists before, or instead of, the global ones. Probe&#8217;s approach is to screen the full stack in a single pass rather than leave institutions to guess which list applies.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\"><a href=\"https:\/\/blog.probecompliance.com\/index.php\/2025\/11\/20\/the-state-of-pep-and-sanctions-screening-in-nigeria-navigating-data-gaps-cross-border-risks-and-false-positives\/\">PEP<\/a> and RCA Screening: Managing Politically Exposed Risk<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Politically exposed persons carry elevated risk not because they&#8217;ve done anything wrong, but because their position creates opportunity for corruption, bribery, and undue influence. Probe&#8217;s PEP datasources include:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>PEP NGA<\/strong> for Nigeria&#8217;s politically exposed persons.<\/li>\n\n\n\n<li><strong>PEP NGA Advanced<\/strong> extends this to Relatives and Close Associates (RCAs), the family members and business partners through whom PEPs frequently route funds.<\/li>\n\n\n\n<li><strong>PEP NGA Raw<\/strong> offers the unprocessed underlying data for institutions that want to build their own matching logic.<\/li>\n\n\n\n<li><strong>OS PEP Global<\/strong> brings OpenSanctions&#8217; global PEP coverage into the platform for exposure beyond Nigeria.<\/li>\n\n\n\n<li><strong>SOE NGA<\/strong> flags state-owned entities, a category regulators increasingly expect institutions to treat with the same scrutiny as PEPs themselves.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Screening the individual but not their known associates is one of the most exploited gaps in PEP compliance. Probe closes it by making RCA data a standard part of the screen, not an upsell.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Adverse Media and AI-Powered Checks: Catching What Lists Miss<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Not every risk shows up on a structured list. Reputational exposure, ongoing investigations, and emerging allegations often surface in news and public reporting long before any official list catches up. Probe covers this with:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>AMS, AMS 2, and AMS News<\/strong> run adverse media searches across general and news-specific sources.<\/li>\n\n\n\n<li><strong>AI Model 2, 3, and 4<\/strong> use AI-driven web search to surface PEP, RCA, SIP, and SOE\/SIE indicators alongside adverse media, catching context that keyword-based search alone would miss.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This layer matters because static databases are always a step behind. A subject under active investigation for fraud may not appear on any sanctions or PEP list for months, but the reporting is already public. Adverse media and AI-powered search give institutions a way to catch that signal early.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Law Enforcement and Anti-Corruption Databases<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Probe also screens against the agencies actively investigating and prosecuting financial crime:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>EFCC<\/strong> (Economic and Financial Crimes Commission) and <strong>ICPC<\/strong> (Independent Corrupt Practices Commission) cover Nigeria&#8217;s primary anti-corruption bodies.<\/li>\n\n\n\n<li><strong>NDLEA<\/strong> covers Nigeria&#8217;s drug law enforcement agency.<\/li>\n\n\n\n<li><strong>FBI<\/strong> extends coverage to US federal law enforcement.<\/li>\n\n\n\n<li><strong>CCDB<\/strong>, the Corruption Cases Database, adds a further layer of documented corruption cases.<\/li>\n\n\n\n<li><strong>ICIJ OLDB<\/strong>, the Offshore Leaks Database from the International Consortium of Investigative Journalists, surfaces beneficial ownership structures exposed through major leak investigations like the Panama and Pandora Papers.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Together, these give institutions visibility into subjects who are under active law enforcement attention or who have been named in major offshore ownership disclosures, exposure that a pure sanctions or PEP screen would not catch.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Financial and Credit Verification<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Beyond identity and risk screening, Probe verifies the financial footprint of a customer:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>CBN<\/strong> confirms account numbers directly against Central Bank of Nigeria records.<\/li>\n\n\n\n<li><strong>NIBSS 2<\/strong> verifies BVN details, with <strong>NIBSS Liveness and NIBSS Liveness 2<\/strong> matching a live selfie to the BVN record.<\/li>\n\n\n\n<li><strong>CB CRC<\/strong> and <strong>CB FC, CB FC 2, and CB FC Business<\/strong> pull credit history from CRC Credit Bureau and FirstCentral Credit Bureau, covering both individual and business credit profiles.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">This layer supports both onboarding accuracy and credit risk decisions, giving institutions a verified financial identity to work from rather than self-reported details.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Tax and Regulatory Verification<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Rounding out the compliance picture:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>FIRS, FIRS 2, and FIRS 3<\/strong> verify Tax Identification Numbers through the Federal Inland Revenue Service, using three separate lookup methods.<\/li>\n\n\n\n<li><strong>LIRS<\/strong> verifies Taxpayer ID with the Lagos State Internal Revenue Service.<\/li>\n\n\n\n<li><strong>SCUML<\/strong> confirms Special Control Unit Against Money Laundering certification, a mandatory registration for Designated Non-Financial Businesses and Professions in Nigeria.<\/li>\n\n\n\n<li><strong>NERC<\/strong> verifies customer addresses against Nigerian Electricity Regulatory Commission prepaid meter records, a useful proof-of-address layer where formal address verification is otherwise difficult.<\/li>\n<\/ul>\n\n\n\n<h2 class=\"wp-block-heading\">Why Breadth of AML Compliance Data Sources Is Not Optional<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">A financial institution&#8217;s compliance program is judged, ultimately, on what it missed. Regulators do not ask which lists an institution screened; they ask which lists it should have screened and did not. That is the standard Probe&#8217;s datasource list is built around: not the minimum an institution can get away with, but the full range of AML compliance data sources a properly risk-based program actually needs, covering identity, corporate structure, sanctions, political exposure, adverse media, law enforcement, financial history, and tax status, across Nigeria and the markets Probe now serves in the UK, Kenya, and beyond.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">For compliance teams, the value is not just access to this data. It is access to every one of these AML compliance data sources inside one platform, queried through one workflow, without switching between a dozen government portals and paid subscriptions. That is what a modern AML\/CFT infrastructure looks like, and it is what institutions onboard onto when they bring Probe in.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ready to see the full datasource list in action on your own onboarding and monitoring workflows? Get in touch <a href=\"https:\/\/bookings.cloud.microsoft\/bookwithme\/user\/4b40135320284901824c2f0dc4df54fa%40probecompliance.com\/meetingtype\/RLrM8_0Pc0iQO9z5dPFnCw2?anonymous&amp;ismsaljsauthenabled=true\" data-type=\"link\" data-id=\"https:\/\/bookings.cloud.microsoft\/bookwithme\/user\/4b40135320284901824c2f0dc4df54fa%40probecompliance.com\/meetingtype\/RLrM8_0Pc0iQO9z5dPFnCw2?anonymous&amp;ismsaljsauthenabled=true\">here <\/a><\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Every AML\/CFT decision a financial institution makes is only as good as the data behind it. A KYC check that skips a sanctions list, a PEP screen that misses a raw, unprocessed name variant, an onboarding flow that never verifies a BVN against NIBSS: each of these is a gap a bad actor can walk [&hellip;]<\/p>\n","protected":false},"author":3,"featured_media":1775,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[111,21,20,62],"tags":[112,47,24,113,114,115,106],"class_list":["post-1773","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-how-to","category-kyc","category-pep","category-sanctions-screening","tag-aml-compliance","tag-kyb","tag-kyc","tag-nigeria-compliance","tag-pep-screening","tag-regtech","tag-sanctions-screening"],"blocksy_meta":{"page_structure_type":"default","styles_descriptor":{"styles":{"desktop":"","tablet":"","mobile":""},"google_fonts":[],"version":6}},"rttpg_featured_image_url":{"full":["https:\/\/blog.probecompliance.com\/wp-content\/uploads\/2026\/09\/Probes-AML-compliance-data-sources-A-Product-Walkthrough_.png",768,576,false],"landscape":["https:\/\/blog.probecompliance.com\/wp-content\/uploads\/2026\/09\/Probes-AML-compliance-data-sources-A-Product-Walkthrough_.png",768,576,false],"portraits":["https:\/\/blog.probecompliance.com\/wp-content\/uploads\/2026\/09\/Probes-AML-compliance-data-sources-A-Product-Walkthrough_.png",768,576,false],"thumbnail":["https:\/\/blog.probecompliance.com\/wp-content\/uploads\/2026\/09\/Probes-AML-compliance-data-sources-A-Product-Walkthrough_-150x150.png",150,150,true],"medium":["https:\/\/blog.probecompliance.com\/wp-content\/uploads\/2026\/09\/Probes-AML-compliance-data-sources-A-Product-Walkthrough_-300x225.png",300,225,true],"large":["https:\/\/blog.probecompliance.com\/wp-content\/uploads\/2026\/09\/Probes-AML-compliance-data-sources-A-Product-Walkthrough_.png",768,576,false],"1536x1536":["https:\/\/blog.probecompliance.com\/wp-content\/uploads\/2026\/09\/Probes-AML-compliance-data-sources-A-Product-Walkthrough_.png",768,576,false],"2048x2048":["https:\/\/blog.probecompliance.com\/wp-content\/uploads\/2026\/09\/Probes-AML-compliance-data-sources-A-Product-Walkthrough_.png",768,576,false]},"rttpg_author":{"display_name":"Temidayo Akinuli","author_link":"https:\/\/blog.probecompliance.com\/author\/takinuli\/"},"rttpg_comment":0,"rttpg_category":"<a href=\"https:\/\/blog.probecompliance.com\/index.php\/category\/how-to\/\" rel=\"category tag\">HOW TO<\/a> <a href=\"https:\/\/blog.probecompliance.com\/index.php\/category\/kyc\/\" rel=\"category tag\">KYC<\/a> <a href=\"https:\/\/blog.probecompliance.com\/index.php\/category\/pep\/\" rel=\"category tag\">PEP<\/a> <a href=\"https:\/\/blog.probecompliance.com\/index.php\/category\/sanctions-screening\/\" rel=\"category tag\">Sanctions Screening<\/a>","rttpg_excerpt":"Every AML\/CFT decision a financial institution makes is only as good as the data behind it. A KYC check that skips a sanctions list, a PEP screen that misses a raw, unprocessed name variant, an onboarding flow that never verifies a BVN against NIBSS: each of these is a gap a bad actor can walk&hellip;","_links":{"self":[{"href":"https:\/\/blog.probecompliance.com\/index.php\/wp-json\/wp\/v2\/posts\/1773","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.probecompliance.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.probecompliance.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.probecompliance.com\/index.php\/wp-json\/wp\/v2\/users\/3"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.probecompliance.com\/index.php\/wp-json\/wp\/v2\/comments?post=1773"}],"version-history":[{"count":2,"href":"https:\/\/blog.probecompliance.com\/index.php\/wp-json\/wp\/v2\/posts\/1773\/revisions"}],"predecessor-version":[{"id":1777,"href":"https:\/\/blog.probecompliance.com\/index.php\/wp-json\/wp\/v2\/posts\/1773\/revisions\/1777"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.probecompliance.com\/index.php\/wp-json\/wp\/v2\/media\/1775"}],"wp:attachment":[{"href":"https:\/\/blog.probecompliance.com\/index.php\/wp-json\/wp\/v2\/media?parent=1773"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.probecompliance.com\/index.php\/wp-json\/wp\/v2\/categories?post=1773"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.probecompliance.com\/index.php\/wp-json\/wp\/v2\/tags?post=1773"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}