AML and KYC

As a regulated Ghanaian financial-services platform, Ardent CrowdFund operates a full anti-money-laundering (AML) and Know-Your-Customer (KYC) programme. The programme is aligned to Ghana's Anti-Money Laundering Act, 2020 (Act 1044), SEC Ghana conduct rules, and the international FATF recommendations. It applies to both investors and issuers, no one moves money through the platform without completing it. This page describes the programme at a high level.

Programme scope

The entities, transactions, and products inside scope of Ardent CrowdFund's AML programme.

Customer due diligence (CDD)

Standard CDD applied at onboarding to every investor and every issuer, identity, residency, beneficial ownership.

Enhanced due diligence (EDD)

When EDD is triggered (high-risk geography, complex structures, large transactions) and what additional checks it involves.

Sanctions and PEP screening

The lists we screen against (including UN, UK, US, and ECOWAS measures) and how we manage matches.

Ongoing monitoring

Transaction monitoring, periodic KYC refresh cycles, and behavioural red flags we act on.

Suspicious-activity reporting

How suspicious activity is escalated internally and reported to Ghana's Financial Intelligence Centre (FIC) where required.

Source-of-funds and source-of-wealth

When Ardent CrowdFund requests additional SoF/SoW evidence, what documents we accept, and how to provide them.

Training and governance

Our AML training programme, our MLRO role, and the board-level oversight of AML performance.