Fintegris
COMPLIANCE EXPLAINER · ILLUSTRATIVE CAT I FSP SCENARIO
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Fi
Fintegris
AI-Native Compliance for South African FSPs
An illustrative scenario of how the platform is designed to deliver end-to-end compliance
when illicit financial flows meet a Category I FSP
🏛️
Regulatory Framework
FICA · FAIS · POPIA · GN 7A
🤖
AI Engine
Claude · Llama 3.1 · XGBoost
☁️
Infrastructure
AWS af-south-1 · POPIA Safe
The Scenario
Meet Mr. Money Flow
💰
Mr. Money Flow
PROSPECTIVE INVESTOR
R5 million to invest
→
🏢
Carefree Capital
CATEGORY I FSP
FSCA Licensed
⚠️
Hidden Risk: Illicit Financial Flows Mr. Flow's R5 million originates from proceeds of unlawful activities. He is seeking to legitimise these funds through a legitimate investment product. Without robust compliance controls, Carefree Capital could face criminal liability, licence withdrawal, and significant administrative penalties.
Stages 01–02 · FICA s.21
Client Intake & Document Collection
Mr. Flow contacts Carefree Capital's investment advisor.
Fintegris is designed to instantly trigger the FICA s.21 CDD workflow.
⚡
AUTO
Client Record Created
CDD workflow initiated
📋
AUTO
CDD Checklist Generated
Personalised for Individual
📁
REQUIRED
Documents Requested
SA ID · Proof of Address · Source of Funds
// Fintegris — Stage 01 Intake Log
client_id: "CLT-2026-04471"  |  type: "INDIVIDUAL"
fica_trigger: TRUE  |  section: "FICA s.21"
cdd_checklist: GENERATED  |  docs_required: 3
status: AWAITING_DOCUMENTS
Stage 03 · FICA s.21 — Identity Verification
VerifyNow API: Identity Confirmed
Mr. Flow submits his SA ID and a selfie. Fintegris is designed to call the VerifyNow API,
cross-checking against the Home Affairs population register with live face-match.
🪪
SA ID Doc
Uploaded
→
🤖
Document AI
OCR + validation
→
🏛️
VerifyNow API
Home Affairs
→
🤳
Face Match
Liveness Check
→
✅
VERIFIED
Identity Confirmed
ℹ️
Identity is confirmed — but compliance doesn't stop here. Fintegris is designed to advance automatically to Stage 05: Sanctions & PEP Screening — a critical step that is easily missed, and a common source of enforcement findings.
Stage 05 · FICA TFS — Sanctions & PEP Screening
ComplyAdvantage: ⚠ FLAG RAISED
In real time, Fintegris is designed to call ComplyAdvantage — checking against
UN / OFAC / EU sanctions lists, PEP databases, and adverse media.
// ComplyAdvantage API Response — CLT-2026-04471
sanctions_match: FALSE  |  pep_match: TRUE
pep_category: "TIER_2 — ASSOCIATE_OF_PEP"
adverse_media: TRUE  |  media_hits: 4
media_categories: ["financial_crime","fraud","money_laundering"]
overall_risk_flag: ⚠ HIGH_RISK_ESCALATION
action_required: ESCALATE_TO_RISK_ENGINE
🚩
PEP Match
TIER 2
Associate of PEP
📰
Adverse Media
4 HITS
Financial crime · Fraud
⚠️
Action
Escalate to AI Risk Engine
Stage 06 · FICA RBA — AI Risk Rating
XGBoost Risk Engine: VERY HIGH
The XGBoost risk model (with SHAP/LIME explainability) processes 40+ risk factors.
Mr. Flow scores VERY HIGH — triggering Enhanced Due Diligence (EDD) under FICA s.21A.
Risk ScoreVERY HIGH — 94 / 100
💸
Transaction Risk
HIGH
R5M · Source unverified
🌍
Geographic Risk
HIGH
High-risk jurisdiction links
🔗
PEP Association
CONFIRMED
SHAP: top risk factor
📊
Behaviour Risk
ELEVATED
Inconsistent SOF
EDD automatically triggered — MLRO notified for mandatory review.
Stages 07 & 12 · FICA s.21A & s.29 — EDD + STR
MLRO Review & STR Filed
Enhanced Due Diligence cannot verify Mr. Flow's source of funds.
Fintegris is designed to auto-prepare a Suspicious Transaction Report (STR) for MLRO authorisation.
07
Enhanced Due Diligence
FICA s.21A
AI ⚡
!
Source of Funds — FAILED
Cannot be verified
MLRO
📝
STR Auto-Prepared
GoAML pre-populated
AI ⚡
12
MLRO Authorises STR
FICA s.29
MLRO
✓
Submitted to FIC
GoAML · Case issued
FIC
// FIC GoAML Submission Receipt
str_ref: "STR-2026-00881"  |  fic_case: ISSUED
audit_trail: S3_OBJECT_LOCK — IMMUTABLE  |  retention: "5 years (FICA s.22)"
business_relationship: DECLINED
Outcome
Carefree Capital — Protected
In this scenario, Fintegris is designed to detect, escalate, and report the illicit financial flow —
automatically, with FICA & FAIS compliance maintained throughout.
12
Compliance Stages
4
Regulatory Checks
R0
Penalty Exposure
100%
Audit Trail Coverage
Fintegris · End-to-End Compliance for South Africa
Designed for FICA · FAIS · POPIA · GN 7A · AWS af-south-1 (POPIA data residency)
🤖 AI-Native
☁️ AWS Native
🛡️ FSCA Ready
📋 FICA Compliant
🇿🇦 Made for SA
DIDUSEC (PTY) LTD  ·  IFWG REGULATORY SANDBOX APPLICANT  ·  2026
Illustrative scenario. Fintegris is in development and not yet available for commercial deployment. Characters and data are fictional; capabilities shown are designed/planned. Not regulatory, compliance or legal advice.
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