ACA Compliance Frameworks
ACA develops practical compliance frameworks tailored to African regulatory and operational environments. These frameworks provide structures, methods and models to support compliance system implementation. They complement national training initiatives by focusing on practical structuring and operational implementation.
Core Frameworks
Phase 1 — The 3 Founding Frameworks
ACA-AML-001
Version 1.0 — ACA Standard
AML Compliance Framework Africa
AvailableThe flagship framework. Foundation of everything. Governance AML, risk-based approach, customer risk model, transaction monitoring, reporting, escalation, and controls.
Contents
- •Governance AML
- •Risk-Based Approach
- •Customer Risk Model
- •Transaction Monitoring
- + 3 more
ACA-KYC-002
Version 1.0 — ACA Standard
KYC Framework — Low Data Environment
AvailableAfrica's differentiator. Alternative KYC, multi-source verification, progressive KYC, uncertainty scoring, proxy data, and community validation. Powerful solution for limited data environments.
Contents
- •Purpose
- •KYC Principles
- •Customer Identification
- •Address Verification
- + 3 more
ACA-COM-003
Version 1.0 — ACA Standard
Compliance Operating Model
AvailableOrganizational framework. Structure, adapted 3 lines model, reporting lines, escalation, governance, roles, and central vs local organization. Highly requested by African banks.
Contents
- •Structure Compliance
- •3 Lines Model
- •Reporting Lines
- •Escalation
- + 3 more
Analytical Models
Phase 2 — Risk Assessment & Scoring
ACA-RISK-004
Version 1.0 — ACA Standard
Risk Scoring Model
DraftCustomer risk scoring, institution risk scoring, country risk scoring.
Contents
- •Customer Risk Scoring
- •Institution Risk Scoring
- •Country Risk Scoring
Identity & Ownership
Phase 2 — KYC/KYB Extensions
ACA-UBO-005
Version 1.0 — ACA Standard
UBO Framework
Coming soonUltimate beneficial ownership, complex structures, and ownership chain identification. Strategic for ACA.
Contents
- •Ultimate Beneficial Ownership
- •Complex Structures
- •Ownership Chain
ACA-KYB-006
Version 1.0 — ACA Standard
KYB Framework
DraftBusiness verification without centralized registries, cross-border KYB in fragmented environments.
Contents
- •Business Verification
- •No Centralized Registries
- •Cross-Border KYB
Country Frameworks
Phase 2 — Localization Strategy
ACA Compliance Frameworks are designed to complement, not replace, national training initiatives and regulatory requirements. They provide structured, practical guidance tailored to African institutional contexts.
Understanding Framework Methodology
Learn how ACA develops, structures, and maintains frameworks.
Explore the Registry
The ACA Compliance Registry identifies and structures compliance professionals contributing to trusted systems across Africa. Complementary to these frameworks.
View RegistryIntegrated Approach
- Professional Registry
- Compliance Frameworks
- Institutional Guidance
- Structured Standards