We help organizations prevent losses, strengthen governance, and achieve sustainable growth.
Fraud Answers Consulting (FAC) is a professional governance, risk management, fraud prevention, and advisory brand operated by Bright Planet Fraud Risk & Micro Capital Limited, delivering practical advisory and financial empowerment solutions across institutions and communities.
Many organizations do not fail due to a lack of opportunity, but due to weak governance structures, ineffective internal controls, and unmanaged risks. FAC was established to help institutions build resilient systems that prevent losses and support sustainable growth.
Fraud Answers Consulting (FAC) is registered with the Corporate Affairs Commission (CAC) of the Federal Republic of Nigeria under Registration Number BN 2994898.
FAC operates as a professional advisory brand under Bright Planet Fraud Risk & Micro Capital Limited, incorporated in Nigeria under RC No. 1472078.
We stand for strong governance, proactive risk management, and sustainable institutional growth.
FAC detects warning signals and acts before damage occurs.
The Board sets direction, defines risk boundaries, and ensures management executes responsibly.
FAC doesn't just teach concepts — we deliver solutions institutions can implement immediately.
Strong governance begins with ethical leadership at the Board and Management levels.
FAC not only designs frameworks but equips people to make those frameworks work.
Through the cooperative platform, FAC extends its mission to communities building financial resilience.
Every engagement FAC undertakes is grounded in these five principles that define how we think and how we work.
FAC detects warning signals and acts before damage occurs.
The Board sets direction, defines risk boundaries, and ensures management executes responsibly.
FAC doesn't just teach concepts — we deliver solutions institutions can implement immediately.
Strong governance begins with ethical leadership at the Board and Management levels.
FAC not only designs frameworks but equips people to make those frameworks work.
The FAC Group operates three complementary platforms, each serving a distinct but connected role in delivering governance, risk, and financial empowerment solutions.
The public-facing advisory and training brand delivering governance, fraud prevention, and risk management services to institutions across sectors.
The legal operating entity and capital advisory arm, providing internal control consultancy, credit structuring, and investment partnership facilitation.
The cooperative financial arm promoting savings discipline, member financing, and financial empowerment programs for business owners, traders, and communities.
Governance-led advisory and professional training for Boards and Executive Management across regulated sectors.
FAC delivers practical, governance-led training programmes tailored for Directors, Management Teams, and institutional professionals across regulated sectors.
Training is designed for Boards of Directors, Management Teams, and institutional professionals who need practical tools to strengthen governance and protect organizational value.
Training delivery: In-person | Virtual | Blended
Every engagement is anchored in governance principles, ensuring sustainable results rather than temporary fixes.
We translate frameworks into practical tools that Boards and management can apply immediately.
Over 20 years of combined experience across financial services, risk management, fraud investigation, and regulatory environments.
Advisory, capital structuring, and cooperative support working together to deliver comprehensive institutional solutions.
Whether you require advisory support, professional training, capital facilitation, or cooperative membership, FAC is positioned to support your growth.
Ahmed Musa Plaza, Yawowa Express Way, Kaduna, Nigeria
Understanding the relationship between Fraud Answers Consulting, Bright Planet Fraud Risk & Micro Capital Limited, and Bright Planet Thrift & Credit Cooperative Society Limited.
The legal founding and operating entity. Bright Planet is the incorporated company that owns and operates the FAC brand, holds legal standing, and delivers capital advisory and consultancy services through its own platform.
The public-facing advisory brand operated by Bright Planet. FAC is the name clients and institutions engage with for governance, fraud prevention, and training services.
An affiliated cooperative operating as the financial empowerment and community savings platform within the group ecosystem, serving registered members.
Service Platforms
To strengthen organizations and communities through governance advisory, fraud prevention, internal control systems, and financial empowerment solutions that drive sustainable growth.
To become a leading governance, risk, and financial empowerment ecosystem supporting resilient institutions and communities across Nigeria and beyond.
Connect with the right platform for your specific needs — advisory, capital, or cooperative services.
Internal control consultancy, capital advisory, and investment structuring for organizations building operational strength and sustainable growth.
Bright Planet Fraud Risk & Micro Capital Limited is the legal operating entity behind the FAC ecosystem. Incorporated under the laws of Nigeria (RC No. 1472078), it provides structured capital advisory, internal control consultancy, and investment facilitation services to SMEs, cooperatives, and growing enterprises.
Design, assessment, and strengthening of internal control frameworks to protect organizational assets and ensure operational integrity.
Structured advisory support for credit access, capital planning, and financial strategy — helping organizations secure appropriate funding and manage growth responsibly.
Facilitation of investment partnerships and structuring support for organizations seeking growth capital within regulatory and ethical frameworks.
Expert-led support for corporate organizations responding to fraud incidents — from preliminary assessment through investigation structuring and remediation planning.
Advisory support on credit facilities, loan structures, and credit governance frameworks for financial institutions and corporate entities.
Practical mentorship and advisory for SMEs and emerging enterprises building governance structures and institutional capacity for sustainable scale.
Design and implementation of whistleblowing platforms to support ethical reporting culture and protect organizational integrity.
Let Bright Planet support your organization with structured capital advisory, internal control systems, and investment facilitation.
Sustainable Thrift, Responsible Credit & Member Prosperity — through savings discipline, member financing, and cooperative financial support programs.
Bright Planet Thrift & Credit Cooperative Society Limited is the financial empowerment arm of the FAC Group, operating as a registered cooperative platform promoting financial discipline and access to credit for business owners, traders, salary earners, and associations.
Structured savings plans that help members build consistent financial reserves and work toward financial goals systematically.
Access to loan facilities for registered members, enabling business investment, asset acquisition, and personal financial needs at cooperative terms.
Cooperative financing support for members running SMEs, trading businesses, or other commercial ventures requiring working capital or growth financing.
Financial literacy, cooperative education, and member support programs designed to strengthen the long-term financial health and capability of members.
Cooperative membership is open to individuals, business owners, and associations. Take the first step toward financial empowerment.
Training calendars, course outlines, governance frameworks, and professional insights from the FAC Group.
All FAC training programmes are available for download. Tap any card to open the PDF directly.
12-Month Capacity Building Calendar for Banks — Board, Management, Operations, Compliance & Fraud Risk Cadence.
12-Month Course Planner for MFBs — Board + Management & Operations Cadence covering governance, credit risk, AML, fraud, and compliance.
Annual training calendar covering brewery risk, fraud management, supply chain control, and governance for manufacturing operations.
12-Month capacity building programme covering governance, risk, compliance, revenue assurance, cybersecurity, and operations.
Course outline equipping Microfinance Bank staff with practical skills to grow deposits, expand lending, attract customers, and maintain credit discipline.
An 8-stage continuous improvement framework bridging Governance, Fraud Prevention, and Enterprise Risk Management to build resilient institutions.
Tap to view the full framework diagram showing all 8 stages from Fraud Risk Identification through Continuous Improvement.
Photos and videos from FAC training sessions, board facilitation engagements, and capacity building programmes.
Understanding how weak governance structures amplify fraud risk and reduce institutional resilience.
How Boards can shift from reactive to proactive fraud oversight — and why this distinction matters.
Practical approaches to embedding accountability and ethical conduct across institutions of all sizes.
Why strong internal controls don't just prevent losses — they create the operational foundation for sustainable growth.
FAC designs bespoke training calendars for institutions that require customised delivery, scheduling, or sector-specific focus.
FAC delivers training at your premises, tailored to your institution's specific risk profile and governance gaps.
Training calendars, publications, and thought leadership content are available on request. Contact FAC to access materials relevant to your institution.
Join BPTCCS and begin your journey towards structured savings, financial discipline, and access to opportunities. Eligible members may also access loan support through Bright Planet Fraud Risk & Micro Capital Ltd, subject to approval and applicable terms.
Thank you for applying to join Bright Planet Thrift & Credit Cooperative Society Limited. Your application is under review and you will be contacted shortly.
