Does your organization procure compliance software merely to satisfy a check-box requirement, yet remain unable to demonstrate that the technology actually detects and prevents financial crime? There is a new framework by the Central Bank of Nigeria (CBN) which directly challenges this approach. The days of feature-based compliance and vendor-driven implementation are over. The CBN now demands demonstrable effectiveness for all financial institutions in Nigeria. Accordingly, the new framework shifts regulatory focus from paper-based compliance to real-time scrutiny. The CBN will no longer just audit written compliance policies; it will actively scrutinize the logic, process, capability, and security of the compliance technology itself.