Compliance engine
Six health checks with pass, warn and fail thresholds.
Run the compliance engine before regulator returns and board meetings. It checks your data against common prudential thresholds and lists failures first.
| Check | Pass | Warn | Fail |
|---|---|---|---|
| KYC document completeness (members with KYC) | ≥ 95% | 80–95% | < 80% |
| Portfolio at risk | ≤ 5% | 5–15% | > 15% |
| Single-borrower concentration (largest exposure ÷ portfolio) | ≤ 10% | 10–20% | > 20% |
| Write-off ratio | ≤ 2% | 2–5% | > 5% |
| Dormant savings accounts | ≤ 5% | 5–15% | > 15% |
| Mobile number completeness | ≥ 90% | 70–90% | < 70% |
Note
These are general good-practice thresholds. Your regulator’s limits may be stricter — check them.
RegTech also includes an access permissions review: see which users hold which permissions, to check separation of duties.
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