⚠ FIC DEADLINES APPROACHING. ACT NOW

Received A FIC Notice? Not Sure How To Complete Your
RCR?

Understand what the FIC is asking and complete your Risk & Compliance Return with confidence.

If your business has been asked to complete a Risk and Compliance Return, you may be unsure what is required or how to answer the questions correctly. The RCR is not just a form,  it is a structured assessment of how your business manages risk, clients, and compliance processes. eFICA helps you ensure these processes are in place so you can answer clearly, consistently, and with confidence.

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🎙 Join our Free Live Webinar 9 June 2026 12pm →

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Complete the form and a compliance specialist will contact your shortly.

⚠ Upcoming FIC Deadlines

Failure to submit may result in penalties, sanctions & increased regulatory scrutiny

30 June 2026

APPLICABLE TO

Credit Providers ·  Trust & Company Service Providers ·  Casinos  ·  Crypto Asset Service Providers

31 July 2026

APPLICABLE TO

High Value Goods Dealers  ·  Attorneys  ·  Estate Agents  ·  Item 9 Non-Casinos

🎙 Join our Free Live Webinar 9 June 2026 12pm →

How to complete your RCR before the deadline

A practical walkthrough with live Q&A

  • Understand what the FIC expects in your RCR
  • Common mistakes and how to avoid them
  • Step-by-step submission guidance
  • Live Q&A with compliance specialists
9 Juney 2026

Tuesday

12:00 PM

60 minutes

Microsoft Teams

Live Online

Reserve My Seat →

Limited seats available

👥 Who should attend? 

Attorneys
Estate Agents
Trust & CSPs
Credit Providers
HVG Dealers
Casinos

UNDERSTANDING THE RCR

What Is The Risk And Compliance Return?

The RCR is a mandatory submission required by the Financial Intelligence Centre. It assesses whether your business is correctly managing its compliance obligations — in practice, not just on paper.

Why Most Businesses Struggle With RCR Submission

  • ✕  The questions are highly technical and specific
  • ✕  The expectations are often unclear
  • ✕  Answers must be consistent across multiple sections
  • ✕  Historic client data, risk records & KYC must already exist
  • ✕  AI tools & manual processes cannot reconstruct missing data
👤

Client Risk

How your business identifies, profiles, and scores each client’s risk level — individuals, trusts, and entities.

🛡️

Compliance Processes

Whether your business has structured, documented compliance processes that are actually followed day-to-day.

🔍

Anti-Money Laundering Controls

Your AML systems — PEP screening, sanctions, adverse media, and ongoing monitoring of flagged clients.

📋

Ongoing Monitoring & Reporting

How your business monitors clients over time and reports suspicious activity or changes in risk status.

How eFICA helps
Answer Every RCR Question With Confidence
eFICA is built to ensure these requirements are already embedded in your processes — making it easier to complete your RCR accurately and submit with confidence.
CategoryType of questions coveredHow eFICA assistsAutomation
Client Risk ProfilingClient types, individuals, trusts, entitiesAutomated client classification, risk scoring, and % allocations for reporting
Fully AutomatedCustomisable
PEP Client BaseDomestic & foreign PEPs, monitoring, enhanced due diligenceIntegrated PEP screening, ongoing monitoring, enhanced CDDFully Automated
Geographic RiskHigh-risk jurisdictions, FATF grey/black listsCountry risk mapping and automated reporting
Fully AutomatedCustomisable
Adverse MediaScreening against negative media sourcesAutomated adverse media screening and monitoringFully Automated
CDD & KYCIdentification, verification, source of fundsDigital onboarding with customisable workflows and risk tracking
Fully AutomatedCustomisable
Sanction ScreeningSanctions lists and updatesContinuous automated screening with alertsFully Automated
UBO & OwnershipBeneficial ownership identificationOrganogram builder with automated UBO detection and screening
Fully AutomatedCustomisable
Ongoing Due DiligenceReviews and updatesScheduled reviews and tracking dashboardsCustomisable
Behaviour MonitoringSuspicious activity and inconsistenciesBuilt into onboarding and risk workflowsFully Automated
Payment RiskPayment methods, third-party paymentsIncluded in risk models and compliance workflowsCustomisable
Governance & AuditCompliance workflows, audit logsRole-based access and full audit trail
Fully AutomatedCustomisable
Audit ReadinessRecord keeping and regulatory requestsFull audit logs and KYC reportsFully Automated

THE EFICA SOLUTION

Why Most Businesses Struggle And How eFICA Solves It

THE CHALLENGE

📂

RCR questions rely on historic client data, risk profiling, and KYC records that must already exist in structured form.

🚫

Without a structured system, this information is incomplete or unavailable when you need it most.

🤖

AI tools and manual processes cannot accurately reconstruct missing compliance data after the fact.

THE EFICA SOLUTION

💻

Digitise your client onboarding and compliance processes from day one to maintain structured compliance records over time.

📊

Automatically capture risk, PEP, geographic, and behavioural data as part of your normal workflow.

📄

Generate accurate, audit-ready RCR reports based on real data — so you can submit with confidence.

PRACTICAL SOLUTIONS

Not Just Theory, Real Compliance Outcomes

Digital Client Onboarding Solution

Custom Risk Rating functions

Id and address verification

Custom Risk Based Due Diligence

Sanction, PEP and Adverse media Screening & Ongoing Monitoring

WHO THIS APPLIES TO

Is Your Business Required To Complete The RCR?

eFICA is designed for Accountable Institutions and any business that requires ongoing FICA compliance. Whether or not your sector must complete the RCR, structured compliance systems are mandatory.

While not all sectors are required to complete the RCR, all Accountable Institutions require structured compliance systems — eFICA supports both.

→  Attorneys & Law Firms
→  Estate Agents
→  Financial Service Providers
→  Trust & Company Service Providers
→  Credit Providers
→  High Value Goods Dealers
→  Crypto Asset Service Providers
→  Casinos

Frequently Asked Questions

You may face penalties, sanctions, and increased regulatory scrutiny from the Financial Intelligence Centre. Early action is strongly recommended — the closer you are to the deadline, the less time you have to ensure your processes are correctly in place.

No. eFICA ensures you are able to complete and submit correctly. Using eFICA means you can answer the questions with confidence, knowing your clients are risk rated, screened, validated, and that due diligence processes have been followed.

Because it requires consistent, structured answers that reflect real processes — not just policies on paper. The questions are technical, expectations are often unclear, and answers must align across multiple sections. Without a system capturing this data automatically, most businesses cannot answer accurately.

Act immediately. Structured guidance and a digital compliance system can still significantly reduce mistakes — even at short notice. Contact us now so we can assess your situation and recommend the best course of action.

For 2026: 30 June applies to certain Credit Providers, Trust & Company Service Providers, Casinos, and Crypto Asset Service Providers. 31 July applies to High Value Goods Dealers, Attorneys, Estate Agents, and Item 9 Non-Casinos.

Not all sectors are required to complete the RCR, but all Accountable Institutions require structured compliance systems. eFICA supports both — whether you need to complete the RCR or simply need a robust FICA compliance platform.

Customers reviews

Our experience with the eFICA platform has been highly positive. The system is user-friendly, efficient, and has significantly streamlined our FICA compliance processes. It has reduced the administrative burden on our team by automating key verification and record-keeping tasks, allowing us to focus more on our core operations. Overall, eFICA has proven to be a reliable and effective solution for managing FICA compliance, saving us time, reducing risk, and providing peace of mind.
Kerry Bailey
Tyson Properties
E-FICA has transformed for our onboarding and compliance workflows. efore moving to the platform, FICA was a manual, time-consuming hurdle. E-FICA has turned that into a seamless, digital process. The platform’s greatest asset is its ability to identify, verify and screen clients against the sanction lists in real-time. The system produces a Risk Classified report which provides us with peace of mind knowing we are complying to our due diligence responsibilities It has significantly reduced our administrative burden by eliminating the need for manual document filing and "naked-eye" authentication. The E-FICA system comes highly recommended.
Marion Visser
Reimax Jacaranda
We would like to express our sincere appreciation for the exceptional service provided by eFICA, which has substantially enhanced our FICA compliance processes. Your expertise and dedication have been instrumental in ensuring seamless implementation and ongoing support. We cannot thank you enough for your prompt and knowledgeable assistance. We hugely appreciate the regular updates and proactive communication, all of which have been invaluable to our organization.
Naroosha Ramlall
Campbell Property Group
This is WAY more comprehensive than any other KYC programme I have seen. WOW you guys are the bomb! The new Dash Board and Reports are NEXT LEVEL. Well done to all of you working so hard behind the scenes just fabulous. Thank you for all your efforts.
Megan van Wyk
The ongoing moinitoring assessment is very impressive, much appreciated
Neil van Rensburg
I will be attending your other courses; you certainly deliver value, your presentations are delivered by a competent and informed professional in a practical way with clear focus on the important aspects. Really impressive!
Lilene van Hoolwerff
BC Attorneys

GET STARTED

Avoid Penalties. Meet Your Deadline With Confidence.

Complete the form and one of our compliance specialists will contact you to assess your situation and provide the right guidance.

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