jetazap01What We Monitor
- Wallet funding, spending and withdrawals.
- Bill payments, airtime and data purchases, including bulk airtime.
- Virtual dollar card creation, funding, spending and withdrawals.
- Airtime to cash conversions.
- Order activity for social growth services, SMS, virtual numbers and digital products.
- Login, device and account change activity connected with payments.
02How Monitoring Works
We use automated rules and, where appropriate, manual review. Rules are based on risk, and they are tuned over time to reduce false alerts while keeping detection effective.
03Examples of Triggers
| Pattern | Why it matters |
|---|---|
| Large or sudden spike in funding or spending | May indicate account takeover or laundering |
| Repeated transactions just below a limit | Possible structuring to avoid checks |
| Funds in and out quickly with little use of services | Possible pass-through or layering |
| Many accounts using the same device, phone or bank account | Possible multi-accounting or mule activity |
| Repeated failed payments or card declines | Possible card testing or stolen instruments |
| Transactions inconsistent with the verified profile | Possible misuse of the account |
04Alert Handling
- An alert is generated by a rule or raised by staff or a partner.
- A trained analyst reviews the account, the transactions and the customer's verification record.
- The analyst closes the alert, requests information from the customer, or escalates it to the Compliance Officer.
- Escalated cases may lead to restrictions, a report to the authorities, or account closure.
- The decision and the reasoning are recorded.
05What May Happen to You
While we review activity, we may delay, hold or decline a transaction, temporarily limit your account, or ask you for information such as proof of identity or source of funds. We try to do this quickly and proportionately.
06Your Cooperation
Please reply promptly and truthfully to our requests. Delays or incomplete answers can extend a restriction, and failure to cooperate may lead to suspension under our Account Suspension Policy.
07Data, Retention and Review
Monitoring data is handled under our Data Protection Policy and kept for the periods required by law and our partners. We review our rules and thresholds regularly, and after any significant fraud or compliance incident.
Questions about this policy?
Our team is available 24/7. Email support@usejeta.com.ng and we will respond as soon as we can.