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Advisory · AML / CFT / CPF

Financial Crime Compliance

We help banks, SACCOs, fintechs, insurers, and DNFBPs build compliance frameworks that stand up to the regulator — risk assessments, policies, MLRO capacity, and goAML reporting readiness, aligned to national legislation and the FATF Recommendations.

Aligned to FATFRisk-based approachgoAML reporting readyEast Africa
AML/CFT/CPF
Full-scope advisory
Frameworks, risk, policy, training and reporting
8+
Reporting-entity sectors
Banks, SACCOs, insurers, fintechs and DNFBPs
goAML
Reporting readiness
Registration through to zero-rejection filing
FATF
Standards-aligned
The 40 Recommendations and national legislation
What we cover

End-to-end support for reporting entities.

Six connected advisory workstreams take you from a risk-based foundation through to confident, zero-rejection filing — with hands-on, practical support across East Africa.

Risk assessment

Institutional ML/TF/PF assessment and customer risk profiling under a risk-based approach.

Enterprise-wide risk register
Customer & product profiling
Mitigation plans
Policy & procedures

Drafting and reviewing internal policies, procedures, and controls aligned to legislation and FATF.

KYC / CDD / EDD procedures
Sanctions & PEP handling
Board-approved framework
MLRO capacity

Upskilling Money Laundering Reporting Officers to fulfil their statutory obligations.

Roles & responsibilities
SAR/STR escalation
Board engagement
Compliance reviews

Gap analysis against POCAMLA, POTA, FIC Act and national AML/CFT legislation across the region.

Gap analysis
Readiness assessment
Remediation roadmap
goAML reporting

Preparing your institution for goAML registration and ongoing FIU reporting.

Registration & onboarding
CTR/STR procedures
Schema & data quality
Training & awareness

Staff awareness on suspicious-transaction identification, KYC/CDD and typology recognition.

Frontline staff
Typology awareness
Senior management
Inside an engagement

The artefacts we leave behind.

We don't hand over a slide deck and leave. Every engagement produces working artefacts your team owns and operates. Step through the surfaces we build with you.

compliance.creodata/risk-assessment
Engagement/Risk assessment
Acacia Bank
Enterprise-wide risk assessment
ML/TF/PF risk register · inherent vs residual under a risk-based approach
Risk categories
6
enterprise-wide
High residual
1
geographic
Controls effective
78%
+12% post-review
Overall residual
Medium
risk appetite met
Risk categoryDriverInherentControlResidual
GeographicHigh-risk jurisdictions◕ HighScreening, EDD◕ High
PEP exposureDomestic & foreign PEPs◕ HighEDD, senior sign-off◑ Medium
CustomerCash-intensive business◕ HighCDD, monitoring◑ Medium
ProductCross-border transfers◑ MediumThresholds, rules◑ Medium
TF riskNPO / cross-border flows◑ MediumWatchlists, review● Low
Delivery channelNon-face-to-face onboarding◑ MediumeKYC, liveness● Low
Our advisory services

Practical support, not just paperwork.

MLRO capacity building

Training and upskilling Money Laundering Reporting Officers to fulfil their statutory obligations.

Roles & responsibilities
SAR/STR escalation
Board engagement
AML/CFT/CPF policy development

Drafting and reviewing internal policies, procedures, and controls aligned with legislation and FATF.

Policy drafting
KYC/CDD/EDD procedures
Sanctions screening
Risk assessment & mitigation

Institutional ML/TF/PF risk assessments and customer risk profiling under a risk-based approach.

Institutional risk
Customer profiling
Mitigation plans
Regulatory compliance reviews

Gap analysis against POCAMLA, POTA, FIC Act, and national AML/CFT legislation across the region.

Gap analysis
Readiness assessment
Remediation roadmap
goAML reporting readiness

Preparing your institution for goAML registration and ongoing FIU reporting with zero-rejection filing.

Registration & onboarding
CTR/STR procedures
Schema & data quality
Training & awareness

Staff awareness on suspicious-transaction identification, KYC/CDD, and ML/TF typology recognition.

Frontline staff
Typology awareness
Senior management
Who we serve

Every entity with a reporting obligation.

From a large commercial bank to a growing fintech, we tailor our advisory to your size, risk profile, and regulatory environment — and we work in the languages and realities of the region.

Commercial banks & financial institutions
Microfinance institutions & SACCOs
Insurance & reinsurance companies
Forex bureaus & money remittance
Mobile money operators & fintechs
Capital markets intermediaries
Real estate & precious-metal dealers
Lawyers, accountants & other DNFBPs
Our approach

A structured methodology for building capacity.

1
Compliance gap assessment

We evaluate your framework against regulatory requirements and international standards to prioritise gaps.

2
Policy & procedure development

We draft tailored policies, SOPs, and compliance manuals fit to your environment and risk profile.

3
Implementation & training

We deploy programs and train staff at all levels for organisation-wide adoption.

4
Ongoing advisory & support

We provide periodic reviews, regulatory briefings, and goAML reporting support.

Strengthen your AML/CFT compliance.

Discuss how our advisory can help your institution meet its obligations — and pair it with the goAML platform for automated, zero-rejection reporting.