What You'll Achieve
Our Risk, Compliance & Fraud Advisory pairs you with a team that has spent more than a decade building regulatory, fraud-prevention and risk-management frameworks across the fintech and digital-payments sectors in East and Sub-Saharan Africa. We help fintech startups, digital lenders and payment providers stand up the frameworks that keep regulators satisfied and fraud losses down, from authoring AML/CFT and CBK-aligned policies and securing DCP licences, to building credit-risk models, real-time transaction-monitoring controls and revenue-assurance reviews. In a market where a single regulatory misstep or fraud event can end a young company, we help you build risk and compliance in as a foundation rather than bolting it on after the fact. We work hands-on with your founders, product, engineering and operations teams, translating CBK, Communications Authority, AML/CFT, PCI-DSS, open-banking and data-protection requirements into practical policies, controls and monitoring your business can actually run day to day. Whether you are preparing for a licence, an audit, an investor or a new product launch, we align your operations with the standards the market expects, and leave you with a risk culture and documentation that scales as you grow across borders.
Key Outcomes You'll Get
Get Licensed and Audit-Ready
We have supported fintech clients in successfully obtaining DCP licences by aligning their operations with CBK and AML/CFT requirements, authoring the policies, risk registers and documentation regulators, auditors and investors ask for.
Cut Fraud Losses with Real-Time Monitoring
Deployment of real-time fraud-monitoring tools has delivered a 35% reduction in fraud losses across card and digital-payment channels. We design detection rules, transaction monitoring and investigation processes that catch suspicious activity early.
Lend with Confidence
Reliable credit-risk frameworks and dynamic decision matrices have reduced bad debts by 40% and default rates by 25% while keeping approvals fast, balancing growth with portfolio quality.
Stop Revenue Leakage
Revenue-assurance reviews and reconciliations, including wallet-to-trust-account controls that safeguard customer funds, surface leakage, control weaknesses and process-improvement opportunities before they cost you.
Build the Risk Function from the Ground Up
We have established risk and collections departments, SOPs and teams from scratch, scaling them across multiple countries and subsidiaries, and we can do the same for you, with upskilling and mentorship that make the culture stick.
Safeguard Customer Funds and Trust
We design the reconciliation and trust-account controls that keep customer wallets fully backed and auditable, so customers, partners and regulators can trust that the money is where it should be, every single day.
Ready to Get Started?
Book a free consultation to discover how Risk, Compliance & Fraud Advisory can transform your business operations and deliver measurable results.
Key Features
AML/CFT framework design and implementation
CBK, Communications Authority & regulatory reporting (incl. CBK GDI submissions)
DCP licensing and investor-readiness support
Enterprise-wide risk assessment frameworks
Credit-risk models, scoring and approval matrices
Real-time fraud detection, monitoring & investigation
KYC / CDD / EDD and sanctions screening
PCI-DSS and open banking compliance
Revenue assurance & reconciliation controls
Policy authoring aligned to data- and consumer-protection law
Internal audit, controls and remediation
Portfolio monitoring & debt-recovery strategy
Transaction-monitoring automation built with your technology team
Business-continuity and operational-risk management
Board, investor and regulator reporting packs
Chargeback and dispute management for card and acquiring businesses
Risk-and-compliance training, upskilling and mentorship
Measurable Benefits
Faster path to licences and regulatory approvals
35% lower fraud losses with proactive monitoring
40% fewer bad debts and 25% lower default rates
Investor- and audit-ready documentation
Reduced exposure to financial crime and penalties
A risk culture and team that scales with you
Customer funds safeguarded, reconciled and auditable
A credible risk story for regulators, partners and investors
Perfect For
Our solution is designed to meet the unique needs of various business types and industries
Fintech startups preparing for CBK / DCP licensing
Digital lenders building credit-risk and collections functions
Payment & card businesses strengthening fraud and PCI-DSS controls
Wallet and trust-account operators safeguarding customer funds
Scaling fintechs expanding across multiple African markets
Microfinance and salary-advance lenders managing default risk
Card and merchant-acquiring businesses managing chargebacks
Investor-backed startups preparing for due diligence
Why This Matters for Your Business
In fintech, payments and lending, trust is the product. One AML breach, one wave of fraud, or one failed regulatory inspection can freeze your accounts, scare off investors and undo years of growth overnight.
Risk and compliance done well is not a cost centre, it is what lets you launch products faster, win bank and card-scheme partnerships, raise capital, and expand into new markets with confidence. We help you turn regulatory expectations into a competitive advantage instead of a constant fire-fight.
The Bottom Line
Stay in Business
Meet CBK, AML/CFT and PCI-DSS obligations so a single incident or inspection can't shut you down
Lose Less to Fraud & Default
Proactive monitoring and credit-risk frameworks that have cut fraud losses by 35% and bad debts by 40%
Win Trust & Capital
Investor- and regulator-ready documentation that opens the door to licences, partnerships and funding
Frequently Asked Questions
The questions teams ask us most before getting started
Can you help us prepare for CBK and DCP licensing?
Yes. We author the policies, risk registers, controls and documentation that regulators, auditors and investors expect, and we have supported fintech clients in obtaining DCP licences by aligning their operations with CBK and AML/CFT requirements.
How quickly can you reduce our fraud losses?
We design detection rules, transaction monitoring and investigation processes that catch suspicious activity early. Real-time fraud-monitoring deployments we have led have cut fraud losses by around 35% across card and digital-payment channels.
Do you only work with large companies?
No. We work with early-stage startups and scaling firms alike, building practical controls that fit each stage of growth while keeping your compliance and risk posture strong enough for regulators, partners and investors.
Which markets and regulations do you cover?
We have hands-on experience across East and Sub-Saharan Africa, translating CBK, Communications Authority, AML/CFT, PCI-DSS, open-banking and data-protection requirements into controls your business can run day to day.
Can you build a risk and compliance function from scratch?
Yes. We have established risk and collections departments, SOPs and teams from the ground up and scaled them across multiple countries and subsidiaries, including the upskilling and mentorship that make the culture stick.