{
  "_meta": {
    "promotion_blockers": [
      "Glossary requires sign-off from a CBN-licensed compliance officer + NDPC-licensed DPCO",
      "CTR thresholds use current values — verify against latest CBN circular before promoting",
      "Authority levels are a starter model; replace with the actual three-lines-of-defence matrix"
    ],
    "review_required": [
      "NDPC-licensed DPCO",
      "CBN-affiliated AML SME"
    ],
    "status": "draft"
  },
  "authority": {
    "levels": {
      "chief-compliance-officer": {
        "approvals_required": [
          "compliance-officer"
        ],
        "scope": [
          "approve-pep-onboarding",
          "release-frozen-account",
          "respond-to-cbn-inquiry"
        ]
      },
      "compliance-officer": {
        "approvals_required": [
          "relationship-manager"
        ],
        "scope": [
          "approve-tier-3",
          "file-str",
          "freeze-account"
        ]
      },
      "relationship-manager": {
        "approvals_required": [],
        "scope": [
          "onboard-customer",
          "request-tier-upgrade"
        ]
      }
    }
  },
  "compliance": {
    "evidence_required": [
      "bvn-verification-record",
      "customer-risk-rating",
      "str-filing-receipt-from-goaml",
      "ndpc-data-processing-record",
      "annual-aml-audit"
    ],
    "regimes": [
      "NDPA-2023",
      "CBN-AML-2022",
      "CBN-CFT-2022",
      "FATF-40"
    ],
    "retention_years": {
      "audit_log": 7,
      "kyc_record": 5,
      "str_filing": 5,
      "transaction_record": 5
    }
  },
  "organization": {
    "formality": "formal",
    "industry": "Financial Services",
    "jurisdiction": "NG",
    "name": "Nigerian Financial Services (draft)",
    "regulators": [
      "CBN",
      "NDIC",
      "FIC",
      "NDPC",
      "NFIU"
    ],
    "size": "enterprise",
    "voice": "Authoritative, compliance-led, conservative"
  },
  "terminology": {
    "banned": [
      "blockchain",
      "Web3",
      "crypto",
      "tokenize",
      "decentralized",
      "NFT"
    ],
    "glossary": {
      "BVN": "Bank Verification Number — biometric ID across Nigerian banking system",
      "CBN": "Central Bank of Nigeria — apex monetary authority",
      "CTR": "Currency Transaction Report — cash transactions ≥ NGN 5,000,000 (individual) or NGN 10,000,000 (corporate)",
      "DPCO": "Data Protection Compliance Organisation — NDPC-licensed compliance auditor",
      "FIC": "Financial Intelligence Centre (under EFCC) — FIU receiving STRs and CTRs",
      "NDIC": "Nigeria Deposit Insurance Corporation — deposit insurer and bank resolution authority",
      "NDP Act": "Nigeria Data Protection Act 2023 — Nigeria's primary data protection statute",
      "NDPC": "Nigeria Data Protection Commission — established under the NDP Act 2023",
      "NFIU": "Nigerian Financial Intelligence Unit — operates the goAML platform for STR/CTR filing",
      "PEP": "Politically Exposed Person — heightened AML scrutiny required",
      "POPIA": "Protection of Personal Information Act (South Africa) — cross-border reference for ECOWAS operations",
      "STR": "Suspicious Transaction Report — must be filed within 7 days of suspicion under the Money Laundering Act",
      "goAML": "UN-developed filing platform NFIU uses for STR/CTR intake"
    },
    "preferred": {
      "BVN": [
        "bank verification number"
      ],
      "beneficial owner": [
        "UBO",
        "ultimate beneficial owner"
      ],
      "currency transaction report": [
        "CTR"
      ],
      "customer due diligence": [
        "KYC",
        "customer screening"
      ],
      "designated non-financial business": [
        "DNFBP"
      ],
      "personal data": [
        "personal information",
        "PII"
      ],
      "politically exposed person": [
        "PEP"
      ],
      "suspicious transaction report": [
        "STR",
        "SAR"
      ],
      "tier-1 KYC": [
        "BVN-only onboarding"
      ],
      "tier-3 KYC": [
        "enhanced due diligence"
      ]
    }
  },
  "version": "0.9.0"
}