Introduction
In Kenya and across the globe, regulatory bodies are tightening compliance expectations for fintechs, microfinance institutions (MFIs), and other financial service providers. For startups and established firms alike, the risk of non-compliance is no longer just reputational it’s existential.

The Current Regulatory Landscape
From the Central Bank of Kenya’s AML/CFT guidelines to FATF recommendations, financial institutions must now adhere to rigorous frameworks. International partners and investors increasingly demand proof of robust compliance systems before engagement.

What’s at Stake?

• Fines and Penalties: Non-compliance can result in hefty fines—locally and internationally.
• License Revocation: Regulatory bodies have begun revoking licenses for repeat offenders.
• Loss of Business Partnerships: Poor compliance can lead to loss of banking partners and payment channels.

How FinSafe Can Help
At FinSafe, we guide fintechs and MFIs through risk-based approaches to AML/CFT compliance. We provide policy design, training, and ongoing support to ensure you stay ahead of regulatory expectations.