Six layers of protection.

Encryption & Data Protection

• End-to-end encryption (TLS 1.3) — protects data in transit
• AES-256 encryption at rest — protects stored customer data
• Field-level encryption for PII, BVN, NIN — limits insider exposure
• Tokenization of card data — PCI-DSS aligned
• Hardware Security Module integration — bank-grade key management

Access Control

• Role-Based Access Control (RBAC) with least-privilege defaults
• Multi-Factor Authentication (MFA) for admin and teller logins
• IP whitelisting for backend access
• VPN-only administrative entry
• Session timeout, device binding, concurrent-login controls
• Maker-checker enforcement on every sensitive transaction

Application & Infrastructure Security

• OWASP Top 10 hardened codebase — quarterly penetration testing
• Web Application Firewall (WAF) and DDoS protection at the edge
• Intrusion Detection & Prevention (IDS/IPS) across the stack
• Secure SDLC with automated SAST/DAST in CI/CD
• Container isolation and zero-trust network segmentation

Monitoring, Audit & Forensics

• Immutable audit trail — every action, every user, every timestamp
• Real-time anomaly detection on transaction patterns
• Centralized SIEM logging with 7-year retention
• Automated alerting for privilege escalation
• Data exfiltration attempt monitoring

Regulatory & Standards Alignment

Resilience & Recovery

• 99.99% uptime SLA
• Daily encrypted backups with 30-day retention
• Real-time data replication to localized DR data center
• Auto-failover with RTO < 15 minutes, RPO < 5 minutes
• Annual DR drills with documented results