COMPLIANCE & SHARIAH GOVERNANCE
The ACE is a platform user, not an afterthought.
MizanCore treats your Advisory Committee of Experts (ACE), compliance team, and CBN examiner as primary users. Every governance feature — Fatwa repository, product approval, AML monitoring, regulatory returns — is built in, not bolted on.
Book a demoSHARIAH GOVERNANCE
From Fatwa to ledger, one continuous chain.
Every financing product in MizanCore is linked to the Fatwa that governs it. Before a product can be activated and offered to customers, the ACE must review and approve the product paper within the platform. Their decision is logged, timestamped, and permanently attached to the product record.
When a CBN examiner asks to see the Shariah basis for your Murabaha product, you search the Fatwa repository and print it in under a minute. The chain of custody — product paper → ACE approval → Fatwa reference → live product → GL transactions — is complete and verifiable.
SAMPLE FATWA RECORD
Murabaha to the Purchase Orderer — Home Improvement
Products governed by this Fatwa
CBN REPORTING
12 returns. Generated from the GL. No spreadsheet.
Every CBN prudential return is generated directly from live GL data — not assembled from spreadsheet exports. Your compliance team can pull any return for any prior period in under five minutes.
AML/CFT MONITORING
Suspicious transactions surface automatically.
Transaction monitoring rules flag unusual patterns: large cash deposits, structuring behaviour, transactions with high-risk countries or entities, and sudden changes in account activity. Flagged transactions are queued for your compliance officer's review.
NFIU STR and CTR filings can be initiated directly from the platform — the transaction data is pre-populated from the monitoring record, reducing the risk of filing errors.
IMMUTABLE AUDIT TRAIL
Every action. Every user. Permanent.
MizanCore maintains a complete, immutable audit log of every transaction, approval, override, and configuration change. User identity, timestamp, and IP address are captured. The log cannot be edited or deleted by any user role, including system administrators.
Audit queries can be searched by user, action type, date range, account, or transaction amount — and exported for external auditors and CBN examiners.