Cash transaction reports

In short

A cash transaction report (CTR) tells your FIU about cash that reaches a set amount, whether or not anything looks suspicious. Once you switch CTRs on, SpeculaPro looks at each completed day and drafts one CTR per customer per day whose cash reached your threshold. The drafts go through the same approval and filing as STRs.

CTRs are off until someone switches them on under Settings → Reporting.

Confirm the threshold and rules with your FIU

The starting values come from your workspace’s jurisdiction: in Ghana, GHS 50,000 per business day for individuals and businesses alike, with a customer’s cash over the day added together. These come from SpeculaPro’s research, not from an official confirmation. Confirm the thresholds, whether an amount equal to the threshold is reported, whether transactions are added together, and what counts as cash, with your FIU and in your AML programme, before you switch CTRs on. This is not legal advice. See Before you go live.

What “reaches the threshold” means

Jurisdiction	Default thresholds	Reported when the cash is	Same-day cash adds up
Ghana	GHS 50,000 (individuals and businesses)	At or above the threshold	Yes
Nigeria	NGN 5,000,000 (individuals), NGN 10,000,000 (businesses)	Above the threshold only	No: each transaction on its own
UEMOA states	XOF 15,000,000 (both)	At or above the threshold	Yes
Sierra Leone	SLE 30,000 (both): to verify with counsel	At or above the threshold	Yes (assumed)
Liberia	LRD 1,000,000 (individuals), LRD 2,000,000 (businesses): to verify with counsel	At or above the threshold	Yes (assumed)
The Gambia	GMD 450,000 (individuals), GMD 2,000,000 (businesses): to verify with counsel	At or above the threshold	Yes (assumed)
Guinea	GNF 100,000,000 (both): a working value, not a confirmed figure	At or above the threshold	Yes (assumed)
Kenya	KES 1,300,000 (both): to verify with counsel	At or above the threshold	Yes (assumed)
Other country	None	At or above the threshold, once you set one	Yes

The figures for Sierra Leone, Liberia, The Gambia, Guinea and Kenya are SpeculaPro’s research, not confirmed by any regulator; Liberia’s and Kenya’s are US-dollar amounts restated at a fixed rate. Verify them with counsel before you switch CTR drafting on.

You can change each of these under Settings → Reporting. On this page, “reaches the threshold” means whichever comparison your workspace uses.

Which row applies to a workspace that never picked a jurisdiction

Such a workspace follows its country’s row only when its base currency is that country’s. A US-dollar workspace in Liberia, for example, follows Other country, with no threshold until you set one. If it was already drafting CTRs on its country’s figures, an upgrade kept those figures and Settings → Reporting shows a red warning until they are corrected: see Reporting settings and Workspaces created before jurisdictions.

UEMOA states and Guinea: a cash report needs the customer’s identity document

There a CTR is filed as a déclaration de transaction en espèces (DTE). A draft whose customer has no identity document on file (or, for a business, no RCCM number or tax identifier) has a validation error and can’t be approved or exported until the customer record carries one. See Filing with a CENTIF.

No threshold, no CTRs

A workspace that follows Other country has no CTR threshold until you enter one for individuals and one for businesses. Until then nothing is drafted, and Create CTR drafts can’t be switched on. If drafting is on and the threshold goes missing later, Settings → Reporting shows a red warning that no CTR is being drafted. See When no threshold is set.

How it works

Every hour, and each time the worker starts, SpeculaPro checks every workspace with CTRs switched on:

1. It looks at the last few completed days in your workspace’s time zone: by default the last 3, not counting today. A day runs from local midnight to the next local midnight, so a day with a daylight-saving change is 23 or 25 hours long where that applies. Every calendar day counts, weekends and holidays included.
2. For each day, it takes your customers’ completed cash transactions, by your definition of cash. Pending, failed, reversed and blocked transactions, and transactions with no customer, aren’t counted.
3. With adding up on (the default), it adds up each customer’s cash for the day, money in and money out together, in your base currency. A customer whose total reaches the threshold for their type (individual or business) gets a CTR covering all of that day’s cash transactions.
4. With adding up off, only single transactions that reach the threshold are reported. A customer with several such transactions on one day gets one CTR covering them.
5. It drafts the CTR, unless that customer already has one for that day.

Each CTR draft:

Part	Filled in with
Number	CTR-<year of the day>-<number>, for example CTR-2026-000031
Title	The customer’s name and the day, for example Ama Owusu · cash 2026-03-21
Subject	The customer
Transactions	That day’s cash transactions that counted
Narrative	For example: Cash transactions on 21 March 2026 totalling GHS 62,500.00 reached the reporting threshold of GHS 50,000.00. Where only amounts above the threshold are reported, it says exceeded instead of reached
Drafted by	the CTR job. The audit log records report.create by the system

In the register, a CTR’s first column says Business day 2026-03-21 instead of a case number.

Late transactions

A transaction that arrives a day or two late still counts, as long as its day is within the Days re-checked window (3 days by default). If the customer’s CTR for that day is still a draft, the late transaction is added to it. If the CTR has already gone for approval or further, it is never changed: deal with the late transaction yourself, for example in goAML Web, as the FIC instructs.

A day that falls outside the window is never checked again. If your systems can send data more than a few days late, increase Days re-checked (up to 31).

One CTR per customer per day

The database allows only one CTR for each customer and day, however often the check runs and however many worker processes you run. Running the check again never creates duplicates.

What counts as cash

Under What counts as cash, you list the channels and transaction types that are cash. A transaction is cash when it matches any line: a line with only a channel matches every type on that channel, a line with only a type matches that type on any channel, and a line with both matches only that combination.

SpeculaPro starts with:

Channel	Type
Any	cash_in
Any	cash_out
cash	Any
branch	deposit
branch	withdrawal
agent	deposit
agent	withdrawal

Adjust it to how your systems describe cash. For example, a mobile money operator that records agent cash-ins as cash_in is covered already; a bank that records teller deposits on the branch channel is covered by the branch lines.

The same definition decides which transactions are reported with the cash funds code in every report, STRs included.

How to switch CTRs on

You need settings.manage or reports.approve (by default, an administrator or the MLRO).

1. Select Settings, then Reporting.
2. Make sure the Reporting entity id is set. CTRs can’t be switched on without it.
3. Under Cash transaction reports (CTR), set:
   • Threshold · individuals and Threshold · businesses, in your base currency, per business day (both are required);
   • Report when the day’s cash is: at or above the threshold, or above it only;
   • Days re-checked, from 1 to 31;
   • Add up a customer’s cash over the day, on or off;
   • What counts as cash: at least one line.
4. Switch on Create CTR drafts.
5. Select Save changes.

The first drafts appear within the hour, for the completed days in the window. They wait under Reports → Drafts: someone with reports.draft checks each one and sends it for approval, like any other report.

The threshold is in your base currency

Thresholds are amounts in the workspace’s base currency, and SpeculaPro never converts them. They start at your jurisdiction’s figures; a workspace following Other country starts with none and must enter its own. In a currency without cents, such as the CFA franc, you enter whole francs.

CTRs and the A2 rule

The rule A2 Large cash transaction (CTR candidate) raises alerts for large cash, so someone looks at it. CTR drafts are the reports. They are separate, and you can use either or both.

How to work a CTR draft

1. Open Reports and select the Drafts tab. Choose CTR · cash transaction under the type filter to see only CTRs.
2. Open a CTR. Check the customer’s details, the transactions and the total.
3. Check the narrative. SpeculaPro keeps its total in step with the transactions selected, as long as you haven’t edited the narrative; once you have, the wording is yours to keep up to date. Add the indicators the FIC expects for CTRs, if any.
4. Select Send for approval.

Cleared transactions stay out

If you clear a transaction from a CTR draft, the hourly check never adds it back. Late transactions for the same day still join the draft while it is a draft, and the total follows whatever is selected. Once a CTR is sent for approval, approved or voided, the hourly check leaves it alone.

Related

• Reporting settings
• Approving a report
• Filing with goAML
• Filing with a CENTIF
• Before you go live