Live Managed AML/CTF & KYC/KYB compliance

AML/CTF compliance, built for scrutiny.

Human-reviewed monitoring, screening, and reporting — so you walk into your next SASRA or CBK audit with an evidence trail, not excuses.

🪪 KYC/KYB Onboarding
⚖️ Sanctions & PEP Screening
📡 Transaction Monitoring
📄 SAR/STR Filing
🔁 Ongoing Due Diligence
📰 Adverse Media Screening
🗂️ Audit-Ready Reporting
🪪 KYC/KYB Onboarding
⚖️ Sanctions & PEP Screening
📡 Transaction Monitoring
📄 SAR/STR Filing
🔁 Ongoing Due Diligence
📰 Adverse Media Screening
🗂️ Audit-Ready Reporting
How it works
Compliance on autopilot.
Reviewed by humans.

Connect your transaction sources once. Our agents screen, monitor, and triage continuously — a trained compliance associate reviews every case before it closes, so you stay audit-ready with SASRA and CBK.

01
🔗
Onboard in week one
We map your transaction sources, screening requirements, and existing compliance gaps, then configure your agent stack against your real risk profile — a SACCO, mobile money operator, and fintech lender each carry different obligations.
02
⚡
Automate the routine
Transaction monitoring, sanctions and PEP screening, and alert triage run continuously — 24/7, in the background. The noise is filtered before it ever reaches a human.
03
✅
A human reviews everything
A trained compliance associate — not just "your team" — reviews every flagged case and produces audit-ready case files, not just reviewed filings. You stay the final authority. Full evidence trail, always.
0%
of alerts from rule-based transaction
monitoring are false positives — noise a human-reviewed layer cuts through
0
SASRA-regulated deposit-taking
SACCOs in Kenya needing audit-ready AML/CFT controls
Grey-Listed
Kenya's FATF status, retained June
2026 — intensifying SASRA/CBK scrutiny on regulated entities
What we cover
The full AML/CTF stack.
One managed service.

From onboarding to regulator inspection — Complybase360 covers the full AML/CTF and KYC/KYB stack for SACCOs, fintechs, and mobile money operators.

🪪
KYC/KYB Onboarding & Verification
Identity and entity verification, document checks, and beneficial ownership mapping — before a customer or counterparty is onboarded.
Active
⚖️
Sanctions, PEP & Adverse Media Screening
Real-time and ongoing screening against sanctions lists, PEP registries, and adverse media — with every hit triaged, not just logged.
Active
📡
Transaction Monitoring
Behavioral risk scoring and alert generation across your transaction flows, tuned to cut through the noise of rule-based false positives.
Active
📄
Case Investigation & SAR/STR Filing
The human-reviewed evidence trail — a compliance associate investigates every case and produces filing-ready output.
Active
🔁
Ongoing & Periodic Due Diligence
Re-screening and risk re-scoring over time, so a customer's risk profile stays current, not frozen at onboarding.
Active
🗂️
Audit & Regulator Readiness
SASRA and CBK inspection prep, documentation, and defensibility — so every control you run can be evidenced on demand.
Active
The Technology

AI agents are reshaping compliance investigation — globally, and right now in Kenya.

Think of our agent stack as your most diligent investigator: one who never sleeps, screens every transaction the moment it happens, assembles the evidence for every flagged case, and scores risk consistently — every time. They don't replace human judgement. They free it up for the cases that actually need it.

Globally, RegTech — regulatory technology — has become a $20B+ industry because compliance is one of the highest-friction, highest-risk parts of running a regulated business. In Kenya, that friction is compounded by Kenya's retained FATF grey-list status: SASRA and CBK are under direct pressure to show regulated SACCOs, fintechs, and mobile money operators are running effective AML/CFT controls, and correspondent banking relationships depend on it. The institutions that will thrive are those that can evidence effective controls now, before an inspection finds the gap.

"The risk isn't that AI replaces your compliance officer. The risk is that your competitor walks into their next SASRA audit with an evidence trail while you're still assembling one manually."
🤖
What is an AI agent, here?
A two-layer system — an LLM orchestration agent paired with a tabular risk-scoring model — that screens transactions, assembles case evidence, and scores risk continuously. Like an investigator, but one who never drops a case.
🌍
RegTech is transforming compliance globally
From London to Singapore to Lagos, RegTech firms are replacing manual alert review with automated screening and monitoring. Kenya's grey-list pressure and regulatory complexity make it one of the highest-impact markets in Africa for this technology.
👁️
Human oversight is non-negotiable
Every action our agents take is reviewed before submission. We believe in automation with accountability — agents handle the screening and prep work, but a trained compliance associate approves every case. You are always the final authority on your institution.
🇰🇪
Why Kenya needs this now
Kenya's FATF grey-list status, retained at the June 2026 plenary, puts direct pressure on SASRA and CBK to show regulated SACCOs, fintechs, and mobile money operators are running effective AML/CFT controls. Manual review can't keep pace with that scrutiny. A human-reviewed agent stack can.
Who We Serve
Built for Kenya's compliance landscape.

POCAMLA designates a wide range of institutions as reporting entities under Kenya's AML/CFT framework. We're focused on the sectors facing the most acute pressure right now.

Kenya's Proceeds of Crime and Anti-Money Laundering Act (POCAMLA) designates banks, payment providers, insurers, capital markets firms, and designated non-financial businesses as reporting institutions — all required to register with the Financial Reporting Centre, conduct customer due diligence, monitor transactions, and report suspicious activity. With Kenya still on the FATF grey list, that pressure is only increasing across every one of these sectors. Complybase360 is built on that regulatory foundation — and we're starting where the need is most urgent.

Who we serve today
🏦
SACCOs
SASRA-regulated
📱
Mobile Money & Payment Service Providers
CBK-regulated
💳
Mid-Tier Fintechs & Digital Lenders
Active

Our managed AML/CTF service is live for these sectors — from onboarding to SAR filing.

Where we're expanding
Forex Bureaus & Currency Dealers
Deposit-Taking Microfinance Institutions
Other CBK-Supervised Credit Providers

Same regulatory foundation, same team — coming as we scale.

The broader landscape we understand
Insurance (IRA-regulated) Capital Markets (CMA-regulated) Digital Asset / Virtual Asset Service Providers Designated Non-Financial Businesses & Professions

Kenya's AML/CFT obligations reach far beyond banking. We track this landscape closely as our roadmap grows.

Compliance Intelligence
From the Complybase360 blog.

Plain-language guides to AML/CTF compliance, SASRA audits, and Kenya's regulatory landscape — written for compliance officers, not lawyers.

View all posts →
FAQ
Questions we get asked

If yours isn't here, reach us at info@complybase360.com

Do I still need a compliance officer or MLRO if I use Complybase360?
For most SACCOs and mid-tier fintechs — yes, and that's by design. We provide the associate layer: screening, monitoring, and case investigation, with a trained compliance associate producing audit-ready case files. Your MLRO or compliance officer stays the accountable decision-maker and regulatory point of contact; we handle the operational load that makes that role sustainable rather than replacing it.
Is my business data safe?
Yes. Complybase360 is built to comply with the Kenya Data Protection Act 2019. Your data is encrypted in transit and at rest, never sold to third parties, and you retain full ownership. We are registered with the ODPC as a data processor.
What types of businesses is this for?
SACCOs regulated by SASRA, mid-tier fintechs, mobile money operators (agent networks and wallet providers), and VASPs. If you're screening customers, monitoring transactions, or preparing for a SASRA or CBK AML/CFT inspection, Complybase360 is built for you.
How is this different from buying AML software directly?
Tools like ComplyAdvantage or Napier give you screening and monitoring software — you still have to hire, train, and staff the team that triages alerts and builds the case files. Complybase360 is the managed service: the same class of screening and risk-scoring technology, plus a trained compliance associate who reviews every case and hands you an audit-ready evidence trail. No new headcount, no tool to administer.
How much will it cost?
We haven't published standard pricing yet — pilot clients get a founder's rate that will never increase. Request a pilot to lock in that rate before we publish standard pricing.
Is Complybase360 live?
Yes — we're actively onboarding paying pilot clients now, not running a pre-launch waitlist. Request a pilot above and we'll set up a call within one business day to scope your onboarding.

Show your regulator
you're ready.

Request a pilot. Talk to a compliance associate this week.