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Persisted screening results · hit queue · fail-closed counterparty screening
AML dashboard read is unavailable. The configured AML provider fails closed. No representative screening counts, names, or clearance decisions are shown.No representative screenings or monitoring alerts are shown.
| Customer | Risk | KYC/CDD | Screening | Monitoring | Status | Custody hash |
|---|---|---|---|---|---|---|
BUS-KE-5501 SME merchant lending / working-capital loan | high / company / Kenya | CDD ready / BO ready / EDD ready |
PSR APP scam reimbursement protections and compliance monitoring / EBA PSD2 fraud reporting / CFPB Regulation E unauthorized transfer and error-resolution controls / Kenya Financial Consumer Protection Framework and CBK fraud safety / World Bank financial consumer protection complaints and redress good practices
| Case | Typology | Claim | Intake controls |
|---|
| Typology | Standard | Signals | MLRO action | STR posture | Custody hash |
|---|---|---|---|---|---|
| Sanctions, PEP, and adverse media match | FATF risk-based AML/CFT/CPF / Kenya FRC suspicious transaction reporting / CBK AML supervision |
| Entity | Reference | Alert type | Raised | Risk | Status |
|---|---|---|---|---|---|
| AML dashboard read is unavailable. | |||||
The AML control set uses persisted screening results for customer due diligence, sanctions screening, PEP identification, ongoing monitoring, suspicious transaction review, and audit-ready evidence retention. Current live position: 0 screenings, 0 cleared, 0 pending review, 0 queued alerts.
| SAN yes / PEP yes / media yes |
| current / monitoring / 28d |
| within |
| 961730d3da51...0e6df858 |
IND-KE-7794 public-sector salary borrower / salary-backed loan | high / individual / Kenya | CDD ready / BO ready / EDD ready | SAN yes / PEP yes / media yes | current / monitoring / 35d | within | f77abd2beaaf...e6be99d7 |
IND-KE-4408 mobile borrower / mobile credit | low / individual / Kenya | CDD ready / BO ready / EDD ready | SAN yes / PEP yes / media yes | current / monitoring / 84d | within | a4146d117c8b...25d9d94d |
GRP-KE-2107 chama group lending / group loan | medium / group / Kenya | CDD ready / BO ready / EDD ready | SAN yes / PEP yes / media yes | current / monitoring / 62d | within | be971bcb01b3...ba7a6520 |
BUS-KE-6702 import distributor / trade credit | high / company / Kenya | CDD ready / BO ready / EDD ready | SAN yes / PEP yes / media yes | current / monitoring / 44d | within | e757cc87b765...a569fbd7 |
BUS-KE-3310 asset-finance borrower / asset finance | medium / company / Kenya | CDD ready / BO ready / EDD ready | SAN yes / PEP yes / media yes | current / monitoring / 75d | within | 63d0459a780f...071d6d17 |
| Alert | Customer | Investigation | STR/SAR | No tipping off | Status | Custody hash |
|---|---|---|---|---|---|---|
sanctions false positive medium / score 73 / 6h | BUS-KE-5501 | assigned / evidence linked / closed | not reportable / filed no / 0h | attested / goAML ready | within | 013f4f19667c...cc950c84 |
structuring and threshold avoidance critical / score 96 / 9h | IND-KE-7794 | assigned / evidence linked / reported | reportable / filed yes / 38h | attested / goAML ready | within | 037dfcfdaf65...e8330081 |
high-risk counterparty network high / score 88 / 4h | BUS-KE-6702 | assigned / evidence linked / investigating | not reportable / filed no / 20h | attested / goAML ready | within | a11e7f44e350...5526052f |
PEP unusual activity high / score 91 / 7h | IND-KE-7794 | assigned / evidence linked / reported | reportable / filed yes / 41h | attested / goAML ready | within | 7cbed15a2863...a49e746e |
low-risk velocity review low / score 38 / 2h | IND-KE-4408 | assigned / evidence linked / closed | not reportable / filed no / 0h | attested / goAML ready | within | 373eb6ebacae...dbaf678d |
| Risk control | Stage | Owner | Manifest coverage | Evidence | Status | Custody hash |
|---|---|---|---|---|---|---|
| Risk-based customer due diligence and KYC refresh | onboard | financial crime compliance and onboarding operations | 3/3 mapped / 0 findings | Customer risk rating, CDD, expected activity, privacy basis, and monitoring evidence are refreshed by risk tier. | within | fd15cd54680c...0fa92b7f |
| Beneficial ownership and enhanced due diligence governance | onboard | KYC operations and MLRO | 2/2 mapped / 0 findings | Entity, group, high-risk, and PEP customers are tied to beneficial ownership, source-of-funds, source-of-wealth, and EDD evidence. | within | 101fb49bb2fd...490800b5 |
| Sanctions, PEP, and adverse media screening governance | screen | screening operations and financial crime technology | 3/3 mapped / 0 findings | Screening providers, API controls, watchlist hits, adverse media disposition, and tamper-evident evidence are linked. | within | 2c41e4335230...a731c872 |
| Transaction monitoring typology tuning and model governance | monitor | financial crime analytics and model risk | 3/3 mapped / 0 findings | Typology thresholds, fraud linkages, model drift, false-positive burden, and alert disposition evidence are reconciled. | within | 21b1326d443f...78feacdb |
| STR/SAR and goAML reporting readiness | report | MLRO and regulatory reporting | 3/3 mapped / 0 findings | Reportable alerts carry MLRO decision, no-tipping-off attestation, filing deadline, goAML readiness, and board evidence route. | within | c9fc4e6cf096...be68efab |
| No-tipping-off and investigation handling controls | investigate | financial crime investigations and conduct risk | 2/2 mapped / 0 findings | Investigation actions preserve customer-harm protections, no-tipping-off attestation, and conduct-safe customer handling. | within | 78318d606dcf...c190fd16 |
| Financial-crime model, source data, and data-quality governance | assure | data governance, model risk, and financial crime compliance | 3/3 mapped / 0 findings | KYC, screening, monitoring, AI operator, and model inventory evidence are reconciled to risk-data lineage and quality controls. | within | a2c78f970b7a...2c7d4a1f |
| Financial-crime board assurance and independent review | assure | financial crime compliance, control assurance, and board secretariat | 3/3 mapped / 0 findings | KYC, CDD, BO, EDD, screening, monitoring, reporting, assurance, board decision, and custody evidence feed committee packs. | within | 3529a1db480b...ae7889d3 |
| Control | Metric | Current | Expectation | Board escalation | Status | Custody hash |
|---|---|---|---|---|---|---|
| Customer due diligence completeness | Customers with complete CDD, risk rating, and expected activity evidence | 100.0% / 100.0% | Customers should not onboard or expand products without risk-based CDD and expected activity profile evidence. | CDD completion gaps enter the financial-crime dashboard and risk committee pack. | within | af8da1ed2b0e...c38f4a43 |
| Beneficial ownership coverage | Entity and group customers with verified beneficial ownership evidence | 100.0% / 100.0% | Legal entity and group customers should have verified ownership and control evidence before credit exposure grows. | Ownership blind spots require risk and compliance committee escalation. | within | 3348da1c8b75...f82db953 |
| Sanctions, PEP, and adverse media screening | Customers screened across sanctions, PEP, adverse media, and prohibited-hit controls | 100.0% / 100.0% | Sanctions, PEP, and adverse media controls should fail closed and retain hit-disposition evidence. | Unresolved prohibited hits require same-day financial-crime escalation. | within | feb60383f091...0e436b0a |
| High-risk enhanced due diligence coverage | High-risk customers with current EDD, source-of-funds, and MLRO evidence | 100.0% / 100.0% | High-risk and PEP customers should have EDD before onboarding, limit changes, or disbursement release. | High-risk customers without EDD block financial-crime attestation. | within | 1324a3d0dd40...6c602821 |
| Ongoing monitoring and periodic review | Customers inside risk-tier review SLA with monitoring enabled and expected activity profile | 100.0% / 100.0% | Risk profiles should be refreshed on schedule and monitored against expected activity. | Stale ongoing monitoring enters board financial-crime reporting. | within | 56f52f0f59a9...e1233600 |
| STR/SAR filing readiness | Reportable alerts filed inside deadline with no-tipping-off and goAML evidence | 100.0% / 100.0% | Reportable suspicion should be filed on time with MLRO decision, no-tipping-off attestation, and export-ready evidence. | Late or incomplete STR/SAR evidence requires same-day board risk escalation. | within | 34a3172d8498...6ad61e6c |
| Investigation evidence custody | High-severity and reportable alerts with investigator ownership and linked evidence | 100.0% / 100.0% | High-severity and reportable investigations should have accountable ownership and reproducible evidence. | Unassigned reportable investigations block financial-crime committee sign-off. | within | 0542d4310b3e...7d50aa38 |
| Financial-crime controls mapped to enterprise evidence manifest | Financial-crime controls with source routes, artifacts, export packs, and custody hashes | 100.0% / 100.0% | Financial-crime controls should trace to enterprise control evidence, assurance, risk data, and board packs. | Unmapped financial-crime controls block world-class compliance claims. | within | 85976720fa8f...f4ad5cd8 |
| Financial-crime evidence custody | Customer, alert, risk-control, manifest, and action evidence with SHA-256 custody hashes | 100.0% / 100.0% | KYC, CDD, BO, EDD, screening, monitoring, STR/SAR, and board evidence should be reproducible. | Missing financial-crime evidence custody blocks board and supervisory evidence exports. | within | 57b476daeeb5...655e2114 |
| Trigger | Owner | Action | Deadline | Status | Custody hash |
|---|---|---|---|---|---|
| No financial crime governance action packs are required for the current evidence set. | |||||
| Status |
|---|
| Hash |
|---|
CUST-KE-44219 M-Pesa loan repayment / STK push | authorized_push_payment / impersonation and payment redirection | KES 84,200 | ack ready / trace ready / interview ready / live ready | within | 091c2a3b3647...0c99a333 |
CUST-KE-52780 wallet repayment / mobile app | account_takeover / SIM swap and account takeover | KES 126,500 | ack ready / trace ready / interview ready / live ready | within | f6b1f82498db...0eb7c1bf |
MER-KE-00918 merchant settlement / agent assisted | merchant_impersonation / fake merchant onboarding and settlement diversion | KES 231,000 | ack ready / trace ready / interview ready / live ready | within | 961ee23d5eb8...b5916508 |
CUST-KE-61904 nano loan / USSD | loan_misuse / social engineering loan proceeds diversion | KES 17,800 | ack ready / trace ready / interview ready / live ready | within | 439e183cbc70...e67ec063 |
| Decision | Amount | Controls | Status | Hash |
|---|---|---|---|---|
case-app-mpesa-impersonation approve / 2/5d | KES 84,200 | liability ready / approval ready / explanation sent / GL ready | within | eb771e66f7df...a6c8a524 |
case-account-takeover-wallet approve / 1/5d | KES 126,500 | liability ready / approval ready / explanation sent / GL ready | within | 9b7a287928cd...d0e61c19 |
case-merchant-impersonation partial / 4/5d | KES 180,000 | liability ready / approval ready / explanation sent / GL ready | within | b2c719c31eeb...31949ab6 |
case-loan-misuse-social-engineering approve / 1/5d | KES 17,800 | liability ready / approval ready / explanation sent / GL ready | within | bc308d07c7b6...ada07112 |
| Recovery | Institution | Controls | Status | Hash |
|---|---|---|---|---|
KES 48,200 2/5d | Safaricom M-Pesa / HASHED-TILL-883 | freeze yes / recall yes / dispute yes / mule yes | within | 79c77e20a3c1...6bf0d9d7 |
KES 126,500 1/5d | Bank partner / HASHED-ACCT-441 | freeze yes / recall yes / dispute yes / mule yes | within | 52acb8e2e63d...7e431b4f |
KES 51,000 4/5d | PesaLink receiving PSP / HASHED-IBAN-781 | freeze yes / recall yes / dispute yes / mule yes | within | 4f70097f39ea...711426dd |
KES 9,800 1/5d | Airtel Money / HASHED-MSISDN-610 | freeze yes / recall yes / dispute yes / mule yes | within | fa0f1263c21f...fe01b24f |
| Support | Victim controls | Status | Hash |
|---|---|---|---|
fraud victim hotline and secure SMS case-app-mpesa-impersonation / customer outcomes | safe yes / hardship yes / language yes / privacy yes | within | ec303545ce1d...a713e023 |
vulnerable customer specialist case-account-takeover-wallet / customer dignity operations | safe yes / hardship yes / language yes / privacy yes | within | 61aac155dcb7...18900467 |
merchant risk and relationship manager case-merchant-impersonation / merchant operations | safe yes / hardship yes / language yes / privacy yes | within | 9a90f0d0c615...7318f5fb |
USSD assisted support and field officer case-loan-misuse-social-engineering / inclusive access operations | safe yes / hardship yes / language yes / privacy yes | within | a65e5d1ba604...7f431c20 |
| Report | Exposure | Readiness | Status | Hash |
|---|---|---|---|---|
board scam reimbursement exposure 2026-Q2 / APP scam, ATO, merchant impersonation, social engineering | 4 cases / KES 459,500 | submitted yes / board yes / CBK yes / root cause yes | within | db580c622d55...ce4e613d |
fraud statistics and typology report 2026-06 / PSD2-style fraud taxonomy mapped to Kenya payment rails | 4 cases / KES 459,500 | submitted yes / board yes / CBK yes / root cause yes | within | b89975435993...10de7894 |
provider recovery and mule tracing 2026-06 / receiving account freeze, recall, provider dispute, mule escalation | 4 cases / KES 459,500 | submitted yes / board yes / CBK yes / root cause yes | within | 3e902d948d47...876d08fc |
victim care, vulnerable support, and redress 2026-06 / customer harm and remediation | 4 cases / KES 459,500 | submitted yes / board yes / CBK yes / root cause yes | within | 4000010190f3...5db25957 |
| Control | Stage | Current | Expectation | Status | Hash |
|---|---|---|---|---|---|
| Scam and unauthorized-transfer intake acknowledgement SLA | intake | 100.0% / 100.0% | Scam victims should receive fast intake, acknowledgement, payment trace, evidence capture, and safe handling before liability decisioning. | within | 408aa87dc596...0cd56aa6 |
| Scam liability and reimbursement decisioning | decision | 100.0% / 100.0% | Reimbursement decisions should be consistent, explainable, approved, posted, and linked to redress evidence. | within | 9ad58f8ee7b8...1725cd63 |
| Scam reimbursement clock | decision | 100.0% / 100.0% | Eligible scam victims should be reimbursed within stated decision and payout clocks. | within | 2dd5e6995fe2...18d53c71 |
| Scam victim and vulnerable-customer support | victim_care | 100.0% / 100.0% | Victim support should protect vulnerable customers, preserve privacy, and keep channels accessible. | within | 05f62a4288d2...3d3660ce |
| Receiving-party freeze, recall, provider dispute, and mule escalation | recovery | 100.0% / 100.0% | Sending and receiving-party evidence should support fund recovery, mule disruption, and provider accountability. | within | c4b8fa48eb31...8e62e0fc |
| Fraud statistics, regulator route, CBK pack, and board reporting readiness | reporting | 100.0% / 100.0% | Fraud losses, reimbursements, recoveries, root causes, and customer harm should be reportable and board-visible. | within | 3026f39e769b...1a081d9c |
| Scam reimbursement controls mapped to enterprise evidence manifest | oversight | 100.0% / 100.0% | Scam reimbursement evidence should trace to payment, fraud, AML, redress, privacy, records, risk-data, assurance, board, and audit controls. | within | fd98901fdd54...1ab10c00 |
| Scam overdue case zero tolerance | oversight | 0 / 0 | Overdue scam cases should be zero or escalated with customer and regulator communication evidence. | within | 643284c4dab8...7fead73e |
| Scam reimbursement evidence custody and package integrity | oversight | 100.0% / 100.0% | Scam reimbursement evidence should be exportable, tamper-evident, and retained with customer privacy controls. | within | 3a1856bb79fa...e8bbbfe2 |
| Trigger | Owner | Action | Deadline | Status | Hash |
|---|---|---|---|---|---|
| No scam reimbursement action packs are required for the current evidence set. | |||||
| 0 alerts / 0 screenings / 0 high-risk |
| Freeze onboarding or transaction release pending MLRO disposition and sanctions-list evidence. |
| not_required |
| c466cec2ad62...7d56c0b3 |
| Structuring or threshold avoidance | FATF risk-based AML/CFT/CPF / Kenya FRC suspicious transaction reporting / CBK AML supervision | 0 alerts / 0 screenings / 0 high-risk | Review linked transactions, source of funds, and threshold-avoidance pattern evidence. | not_required | 890b241a0cd7...60e14430 |
| High-risk counterparty or network exposure | FATF risk-based AML/CFT/CPF / Kenya FRC suspicious transaction reporting / CBK AML supervision | 0 alerts / 0 screenings / 0 high-risk | Screen counterparties, beneficial owners, and connected parties before release. | not_required | fdf66ef64baf...ec991cf2 |
| Rapid movement or velocity anomaly | FATF risk-based AML/CFT/CPF / Kenya FRC suspicious transaction reporting / CBK AML supervision | 0 alerts / 0 screenings / 0 high-risk | Review transaction velocity, purpose, and expected-account-activity variance. | not_required | c44d1a546585...738abcf7 |
| Cross-border or high-risk jurisdiction exposure | FATF risk-based AML/CFT/CPF / Kenya FRC suspicious transaction reporting / CBK AML supervision | 0 alerts / 0 screenings / 0 high-risk | Confirm jurisdiction risk, source of funds, and correspondent/payment-rail evidence. | not_required | 6abfe7ae47f1...bbb0355e |
| Borrower | Alert | FRC report type | Indicators | MLRO decision | Deadline | Custody hash |
|---|---|---|---|---|---|---|
| No STR evidence packs are required for the current monitoring queue. | ||||||