FICA Compliance Toolkit 2026 — 14-Module Guide, Flash Cards & 50-Question Self-Assessment (Post-Grey-List Edition)

South Africa exited the FATF grey list in October 2025. The compliance bar that got us off the list is the new normal — and FICA training written before 2023 doesn't reflect the framework you're now accountable to.

The FICA Compliance Toolkit covers the modern Act end to end, from first principles to the obligations added by the 2022/2023 reforms.

What's inside — one interactive file, three tools:

📘 Fourteen modules:

• Money laundering, terrorist financing, and proliferation financing — with the right statutes (POCA criminalises laundering; POCDATARA is the terrorism Act — a distinction plenty of material muddles)
• Who's caught: Schedule 1 after the 2022 reforms — CASPs (accountable since 19 December 2022), high-value goods dealers, trust and company service providers, credit providers — and the truth about when accountants are caught (activity-based, not blanket)
• Customer due diligence: standard, enhanced, and simplified — with DPIPs, FPPOs, beneficial ownership at 25%, and the risk-based approach done properly
• The reporting engine with the real deadlines: STRs as soon as possible and no later than 15 days; CTRs at R49,999.99+ within 3 days; structuring as its own offence; the absolute tipping-off prohibition
• Targeted financial sanctions — screening, freezing, and s28A reporting: the obligations at the heart of the grey-list exit, missing from most training
• Record keeping, the RMCP, compliance officer duties, penalties (R10m/R50m administrative; 15 years/R100m criminal)
• The full FATF story: the 40 Recommendations, mutual evaluations, and South Africa's February 2023 – October 2025 grey-list arc with the 22 action items

🃏 40 Flash Cards and 📝 a 50-question self-assessment — timed (75 minutes, 70% benchmark) or practice mode with instant explanations, per-topic results, unlimited retakes.

Who it's for: Compliance officers and MLROs, FSP key individuals and representatives, estate agents, attorneys, CASPs, dealers in high-value goods, and every team that s43 of FICA obliges to be trained. Also excellent supporting depth for the FICA sections of the RE1 and RE5 regulatory exams.

Why this toolkit:

• ✅ Post-grey-list edition — current to 2026, checked against FIC publications, guidance notes, and primary legislation
• ✅ The deadlines and thresholds most material gets wrong, stated correctly and drilled
• ✅ Independently authored, with full disclosure of our methods and no affiliation claims — the honesty a compliance product owes you

Sovereignty by Char (Pty) Ltd is an independent publisher, not affiliated with the FIC, FSCA, SARB, FATF, or ACAMS. This toolkit is education, not compliance advice — your RMCP and a qualified professional govern your institution's obligations.