SwiftlyMFS

Compliance & controls

Regulator-ready by default.

Screening, suspicious transaction reports, data-subject requests, two-person controls and a tamper-evident audit log - built into the product, so compliance happens as the work is done.

Audit-ready by design

Compliance built into the work, not added after it.

AML, KYC and reporting controls are part of the loan workflow - not separate tools or spreadsheets - so compliance happens as the work is done.

Screen at the right moments.

Sanctions and PEP screening runs at onboarding and on demand, against the lists you load - official lists or a commercial feed - with fuzzy-match scoring and a two-person clearance queue.

File in the system.

Suspicious transaction reports with a two-person filing workflow, plus data-subject requests and consent records - handled in the platform, in plain language.

Lend responsibly.

Loan disclosure with borrower acknowledgement, configurable interest-rate ceilings, affordability checks and exposure limits at underwriting.

Prove it later.

A tamper-evident audit log records who did what, before and after, and from which device - and cannot be changed after period close. Searchable and exportable for any examination.

Screening review · potential matchScore 0.86
ApplicantSample applicant
Matched listWatch list · fuzzy match
Triggered atOnboarding
Disbursement is blocked until a second authorized officer clears or escalates this match.
EscalateClear (4-eyes)

In-app guidance explains screening, STR and data-request obligations in plain language, so smaller teams stay compliant without a specialist in every branch.

Segregation of duties, enforced

Sensitive decisions need two people. The system makes sure of it.

Approval chains route by loan amount, product and currency, and sensitive actions - write-offs, manual journals, FX rates, disbursements - need a second authorised person. The approver can never be the person who disbursed. A manager can go through a control only with a written reason, and every such override is recorded.

Two-person approval on sensitive actionsApproval chains by loan amountRole-based permissions, fully audited

Every financial decision carries a named maker and a named checker.

Approval chain · Business loan

$18,000 · band B

  1. Submitted

    R. Moyo · Loan Officer

  2. Branch approval

    T. Ncube · Branch Manager

  3. 3

    Credit committee

    Awaiting second approver

  4. 4

    Disbursed

    Never the approver, enforced

Security and data protection

Security built into the foundation.

Strong sign-in, permissions by role and a complete audit trail are part of the platform from the ground up - not added afterwards.

Complete audit trail

Every sensitive action is recorded with who did it and when - a tamper-evident history for regulators and internal review.

Strong sign-in

Two-factor sign-in with an authenticator app or security key, checks against breached passwords, lockout after repeated failures and session limits you set.

Managed for you

Fully hosted and backed up for you. No servers, backups or hardware for your team to look after.

Get started

See how SwiftlyMFS would run your institution.

Book a 30-minute demo. We'll work through scenarios from how your MFI runs today.

No commitment.