The message that breaks the rule never gets sent.
Raqeeb checks every outbound collections message against SAMA's rules at the moment of send — and refuses the ones that would breach them. Compliance as a gate, not a report.
Every compliance tool on the market tells you a violation happened. Raqeeb stops it happening.
Monitoring
Raqeeb
Findings arrive days after the call
The decision is made before the send
A sample of interactions is reviewed
Every message is checked — no exception
The agent is coached not to repeat it
The send is refused, so there is no repeat
Three checkpoints, one decision log.
Gate
A synchronous check in the send path: allow, hold or refuse — with the reason. No answer means no send.
- Attempt count on a rolling 30-day window, per financing product
- Time of day, recipient identity, required disclosures
- Message content matched to its approved template
Detection
Reads what the customer said — in Arabic, including dialect — and routes it to the obligation it triggers.
- Hardship → affordability path, dispute → dispute path
- A request for a human, honoured immediately
- Wrong person answered → the interaction ends
Trail
A queryable record, not a log file. Any decision reconstructed in seconds, without an engineer.
- Every decision carries the rule version and the clause
- Refusals recorded as fully as sends
- Ten-year retention, append-only, four-eyes on changes
Three sends allowed. The eleventh attempt stopped at the cap.
SAMA's collection rules, in code.
Drawn from the Debt Collection Regulations and Procedures — which bind creditors and, explicitly, third parties acting for them. Every rule carries its clause.
Ten calls per thirty days, per financing product — on a rolling window
Art. 4(3)
Contact during official working hours only, in the customer's local time
Art. 4(3)
The customer or the guarantor — nobody else, identity verified first
Art. 4(2)
Recording disclosed at the start of the call, as a required element
Art. 4(4)
No visits to a home or workplace — the capability is absent, not restricted
Art. 4(5)–(8)
Collection paused automatically while a complaint is open
Regs + Principle 7
Every communication documented and retained for at least ten years
Art. 4(4)
Rules are versioned and dry-runnable — replay last month before going live
Built in
It sits in front of what you already run.
One API call in the send path
Returns a decision. The failure mode is refusal — never a silent allow.
No rip and replace
Sits alongside your dialler, CRM and messaging gateway.
Built for in-house teams
You don't outsource collection to us to use it.
Data stays in the Kingdom
Your rules, your decisions, nothing pooled across clients.
See what it would have refused last month.
A shadow run on your own traffic — you keep the output either way.