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  2. Compliance Toolkit

FICA & POPIA Compliance Toolkit

Your comprehensive resource center for regulatory compliance. Access tools, training, and resources to ensure your organization meets FICA and POPIA requirements.

FICA Compliance Tools

Tool

RMCP Generator

Generate a comprehensive Risk Management and Compliance Programme tailored for your business

Qualification checker
Auto-generate RMCP
PDF export
POPIA checklist included
Open tool

POPIA Compliance Tools

Tool

POPIA Compliance Checklist

Interactive checklist to assess your organization's POPIA compliance status

8 condition assessment
Exportable report
Gap analysis
Open tool
Tool

Data Subject Request Handler

Template and workflow for handling data subject access requests (DSARs)

Request templates
Response tracking
30-day reminders
Open tool
Tool

Data Breach Response Plan

Step-by-step guide for managing and reporting data breaches to the Information Regulator

72-hour notification workflow
Breach assessment
Regulator templates
Open tool
Tool

Privacy Policy Generator

Generate a POPIA-compliant privacy policy for your business

Industry templates
PDF export
Website-ready format
Open tool

Training Modules

Training

Customer Due Diligence (CDD)

Comprehensive training on customer due diligence procedures and best practices

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3
Start
Training

Enhanced Due Diligence (EDD)

In-depth training on enhanced due diligence procedures for high-risk clients

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2
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Training

Sanctions & PEP Screening

Training on sanctions lists and Politically Exposed Persons screening procedures

4
2
Start
Training

POPIA Fundamentals

Essential training on the Protection of Personal Information Act requirements

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2
Start

Compliance Resources

Resource

Report Suspicious Activity

Learn how to report suspicious transactions to the FIC via goAML

View resource
Resource

FIC & FICA Legislation

Access directives, guidance notes, and compliance communications

View resource
Resource

CDD Checklist

Comprehensive checklist for customer due diligence procedures

View resource
Resource

KYC Workflow Guide

Step-by-step workflow for FICA-compliant KYC procedures

View resource

Compliance Requirements & How VerifyNow Helps

Each FICA compliance requirement can be fulfilled using VerifyNow's verification services. Click on any service to start verifying immediately.

Customer Due Diligence (CDD)

FICA Section 21

FICA Section 21 requires accountable institutions to establish and verify the identity of every client before establishing a business relationship or conducting a single transaction above the threshold.

What You Must Do

  • Verify the full name of the client
  • Verify the date of birth
  • Verify the identity number (SA ID or passport)
  • Obtain a photograph for comparison
  • Verify residential address

VerifyNow Services

ID + Photo (Standard)

Verify ID number against Home Affairs with cached photo match

ID + Photo (Enhanced)

Real-time ID verification with live Home Affairs photo

Face Match

Compare client selfie against official ID photo

Document Authenticate

Verify authenticity of ID documents using OCR

Consumer Trace

Verify residential address and contact details

Enhanced Due Diligence (EDD)

FICA Section 21B

FICA Section 21B requires enhanced measures for high-risk clients including PEPs, clients from high-risk jurisdictions, complex ownership structures, and unusual transaction patterns.

What You Must Do

  • Obtain senior management approval
  • Establish source of funds and source of wealth
  • Conduct enhanced ongoing monitoring
  • Screen against PEP and sanctions lists
  • Verify beneficial ownership

VerifyNow Services

AML/PEP/Sanctions Screening

Screen against global sanctions, watchlists, and PEP databases

CIPC Director Search

Verify beneficial owners and directors

CIPC Company Match

Verify company registration and ownership structure

Credit Score

Assess financial risk profile of high-risk clients

PEP & Sanctions Screening

FICA Section 21B & FIC Guidance Note 7

FICA requires screening all clients against sanctions lists (UN, EU, OFAC, SA) and identifying Politically Exposed Persons who require enhanced due diligence.

What You Must Do

  • Screen against UN Security Council sanctions lists
  • Screen against domestic (South African) sanctions
  • Identify domestic and foreign PEPs
  • Identify family members and close associates of PEPs
  • Conduct ongoing screening throughout relationship

VerifyNow Services

AML/PEP/Sanctions Screening

Comprehensive screening against 1000+ global watchlists, sanctions lists, and PEP databases

Legal Person Verification

FICA Section 21(2)

When your client is a company, trust, or other legal entity, FICA requires verification of the entity's existence, registration, and beneficial ownership.

What You Must Do

  • Verify registered name and trading name
  • Verify registration number
  • Verify registered address
  • Identify all directors and beneficial owners
  • Verify authorised signatories

VerifyNow Services

CIPC Company Match

Verify company registration status, name, and address with CIPC

CIPC Director Search

Search and verify directors of registered companies

ID + Photo (Standard)

Verify identity of directors and beneficial owners

Address Verification

FICA Section 21 & Regulation 4

FICA requires verification of the client's residential or business address. This can be done through documentary evidence or electronic verification.

What You Must Do

  • Obtain proof of residential address (utility bill, bank statement)
  • Address must not be older than 3 months
  • Verify address matches declared address
  • For businesses, verify physical and postal addresses

VerifyNow Services

Consumer Trace

Electronically verify addresses linked to an ID number from multiple sources

Contact Information Verification

Best Practice / RMCP

While not strictly required by FICA, verifying contact information is considered best practice and supports ongoing client communication and monitoring.

What You Must Do

  • Verify mobile phone number
  • Verify email address
  • Maintain up-to-date contact records

VerifyNow Services

Consumer Trace

Verify phone numbers and contact details linked to ID

Trace by Phone

Reverse lookup - find person details from phone number

Employment & Source of Funds

FICA Section 21B(a)

Understanding where your client's funds come from is essential for risk assessment and detecting money laundering. Employment verification helps establish legitimate income sources.

What You Must Do

  • Verify current employment status
  • Understand the nature of the client's business
  • Assess consistency with transaction patterns
  • Document source of funds for high-value transactions

VerifyNow Services

Employment History

Verify employment history and current employment status

Credit Score

Financial profile including employment indicators

Document Authentication

FICA Section 21 & FIC Guidance Note 7

Authenticating identity documents helps prevent fraud and ensures the documents presented are genuine and unaltered.

What You Must Do

  • Verify document is genuine (not forged or altered)
  • Check security features on ID documents
  • Ensure photo matches the person presenting
  • Verify document has not expired

VerifyNow Services

Document Authenticate

OCR and liveness detection to authenticate ID documents

Face Match

Biometric comparison of selfie to document photo

Driver's License Authenticate

Verify and authenticate driver's licenses

Cross-Border African Verification

FICA Section 21(4)

When dealing with clients from other African countries, you need to verify their identity using appropriate databases and documentation from their home country.

What You Must Do

  • Verify passport or national ID from country of origin
  • Conduct enhanced due diligence for foreign nationals
  • Understand the client's reason for establishing relationship
  • Consider country risk factors

VerifyNow Services

African ID Verification

Verify identities across Africa: Nigeria (NIN/BVN), Kenya, Ghana, Tanzania, and more

Frequently Asked Questions

Official Resources

FIC Website

Financial Intelligence Centre

Information Regulator

POPIA Enforcement

goAML Portal

Report Suspicious Activity

Need Help with Compliance?

Our support team is here to assist you with FICA and POPIA compliance questions.

Contact Support