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Scale Identity Verification and KYC Operations in Cameroon

Run identity verification in Cameroon through CNI digital seal checks, passport chip reads and 10,000+ foreign ID document types, run KYB on RCCM-registered businesses and their owners, and monitor transactions and sanctions lists. One platform runs compliance and fraud prevention across the full customer lifecycle for COBAC- and COSUMAF-supervised firms.

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Trusted by 2000+ businesses that make identity decisions at scale
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Operational Performance for Cameroon KYC

Our Numbers Speak Volumes

94.94%

Pass
Rates

Under 5 secs

IDV
Verification

100%

Omni-format
Document Recognition

THE CAMEROON VERIFICATION GAP

Cameroon IDV/KYC Challenges

Increased FATF Monitoring Puts Every Onboarding Decision Under Review

Increased FATF Monitoring Puts Every Onboarding Decision Under Review

Cameroon has been on the FATF list of jurisdictions under increased monitoring since June 2023, so supervisors and foreign counterparties look closely at how local firms identify customers. Shufti records every check, screening hit and decision in one case file that stands up to supervisors and supports any report your team files with ANIF.

Mobile Money Scale Concentrates Fraud Risk

Mobile Money Scale Concentrates Fraud Risk

Cameroon held nearly 31 million mobile money accounts at the end of 2024, about 60% of the CEMAC total, according to the BEAC. Each wallet opened on a borrowed identity can carry scam proceeds, so Shufti's device fingerprinting and money mule detection flag risky wallets early.

Two Beneficial Ownership Thresholds Apply to Cameroonian Companies

Two Beneficial Ownership Thresholds Apply to Cameroonian Companies

Cameroon's national register counts anyone holding 20% or more as a beneficial owner, while the CEMAC regulation falls back on more than 25% for its register. Shufti maps owners at 20% and above through every corporate layer, so neither threshold leaves a controller unidentified.

Several Generations of Identity Cards Circulate at Once

Several Generations of Identity Cards Circulate at Once

Decree No. 2025/059 introduced a new CNI with a QR digital seal, yet older cards stay valid until they expire, so customers present different designs and security features. Shufti's zero-shot document intelligence verifies every generation and checks the new card's seal against its printed data.

Documents and Languages

Individual Documents Shufti Verifies in Cameroon

Shufti verifies 13 Cameroonian identity documents plus passports and ID cards from other countries. The cards below cover the core documents Cameroonian onboarding relies on, with the full list on the supported documents page.

View All Supported Documents

Carte Nationale d'Identité (CNI)

The DGSN issues the CNI under Decree No. 2025/059 as a bilingual, biometric card with an MRZ and a QR digital seal. Shufti checks the seal and MRZ against the printed data, tests the card's security features and matches a live selfie to the photo.

Carte Nationale d'Identité (CNI)

Carte de Séjour and Carte de Résident

Foreign nationals living in Cameroon hold a DGSN-issued carte de séjour, valid for two years, or a carte de résident, valid for ten. Both are biometric cards with a QR digital seal, and Shufti verifies each one and confirms the holder with a liveness-checked selfie.

Carte de Séjour and Carte de Résident

Cameroonian Passport

The biometric passport, issued since July 2021 through the DGSN's PassCam service, covers Cameroonians abroad and customers without a current CNI. Shufti reads the chip and runs nine forensic detection layers, from MRZ checksum validation to hologram analysis, so a cloned or altered passport fails before onboarding.

Cameroonian Passport

Foreign Passports and National ID Cards

Shufti actively processes 10,000+ ID document types from 240+ countries and territories, and its zero-shot AI learns new document formats in minutes. Regional traders, foreign workers and visiting investors onboard this way, together with a Cameroonian residence card where they hold one.

Foreign Passports and National ID Cards

Cameroonian Driving Licence

The Ministry of Transport issues driving licences and handles applications through its online services portal. Shufti checks each licence for authenticity, expiry and a facial match, which helps delivery, ride-hailing and car-rental platforms vet drivers and gives lenders a second identity document.

Cameroonian Driving Licence

Proof of Address

Cameroonian customers usually prove their address with an ENEO electricity bill, a CAMWATER water bill, a lease or a certificat de domicile from the mayor or police commissioner. Shufti reads each one and matches the name and address to the verified identity in the same step.

Proof of Address
Carte Nationale d'Identité (CNI) Carte de Séjour and Carte de Résident Cameroonian Passport Foreign Passports and National ID Cards Cameroonian Driving Licence Proof of Address Carte Nationale d'Identité (CNI)
RCCM Extract and Registration Record Statuts and Constitutional Documents Sector Licences and Approvals Business Address Proof RCCM Extract and Registration Record

Entity Identity

RCCM Extract and Registration Record

Companies register in the Registre du Commerce et du Crédit Mobilier (RCCM) under OHADA's Uniform Act on General Commercial Law, kept by the court registry with a national file. Shufti verifies the extract and checks name, number, legal form and managers against live registry data.

RCCM Extract and Registration Record

Statuts and Constitutional Documents

OHADA's Uniform Act on commercial companies requires written statuts that set out capital, shareholdings and management powers, and many are drawn up before a notary. AI-OCR reads ownership, capital and signing authority from French or English text and flags GAN-generated or edited pages.

Statuts and Constitutional Documents

Sector Licences and Approvals

Banks, microfinance and payment institutions are licensed on COBAC's binding opinion, market intermediaries and crypto-asset providers need COSUMAF approval and insurers follow CIMA rules. Shufti reads each licence or approval and confirms that it matches the company's RCCM record.

Sector Licences and Approvals

Business Address Proof

Companies prove their premises with a lease, an ENEO or CAMWATER bill in the company name or a domiciliation agreement. Shufti cross-checks each document against the registered office on the RCCM record, so a virtual or borrowed address stands out.

Business Address Proof

Tax Identity

Numéro d'Identifiant Unique (NIU)

The Direction Générale des Impôts (DGI) assigns every taxpayer an NIU under Article L1 of the Livre des Procédures Fiscales, and registration takes place online. Shufti extracts the NIU from tax documents, confirms active status on the DGI taxpayer file and matches it to the RCCM record.

Numéro d'Identifiant Unique (NIU)

Attestation de Conformité Fiscale

The DGI's attestation de conformité fiscale confirms that a company has met its filing and payment obligations for the period shown. Shufti reads the certificate, checks its validity date and confirms it through the DGI's authentication service, so expired or edited copies fail.

Attestation de Conformité Fiscale

Foreign Tax Registrations and FATCA/CRS Self-Certification

Foreign parent companies and shareholders are verified with their home-country tax registrations. Shufti gathers FATCA and CRS self-certifications in the same due diligence form, so tax residency is settled before the account opens.

Foreign Tax Registrations and FATCA/CRS Self-Certification
Numéro d'Identifiant Unique (NIU) Attestation de Conformité Fiscale Foreign Tax Registrations and FATCA/CRS Self-Certification Numéro d'Identifiant Unique (NIU)
Central Register of Beneficial Owners (RCBE) Shareholder Register and Ownership Chart Managers, Directors and Authorised Signatories Central Register of Beneficial Owners (RCBE)

Ownership and Control

Central Register of Beneficial Owners (RCBE)

Cameroon's central register of beneficial owners runs on a DGI platform and takes declarations from companies and legal arrangements established in the country. Shufti extracts every declared owner, compares the declaration with the shareholder register and statuts, and screens each person.

Central Register of Beneficial Owners (RCBE)

Shareholder Register and Ownership Chart

Article 33 of CEMAC Regulation No. 02/24 requires firms to identify the people who hold a controlling interest in a legal person or exercise effective control over it. Shufti traces each holding through intermediate companies and checks every owner it finds against sanctions, PEP and adverse media lists.

Shareholder Register and Ownership Chart

Managers, Directors and Authorised Signatories

Article 31 of the same regulation requires firms to record the people holding management positions in a legal person before onboarding it. Shufti verifies each manager and signatory, screens them and alerts the case owner when the RCCM record shows a change in management.

Managers, Directors and Authorised Signatories

Languages We Cover

French, English and Foreign Document Parsing

Cameroonian identity documents and company records are issued in French and English, while foreign customers bring documents in many other languages and scripts. Shufti's OCR reads 150+ languages and scripts at 99.7% accuracy and averages 93% accuracy against Google Vision's 78.4% in its published benchmark. Zero-shot document intelligence extracts data from layouts it has never seen, on first sight, without waiting for a template.

French, English and Foreign Document Parsing

Cameroonian Name Matching

Cameroonian records mix French and English spellings, multi-part family names and inconsistent surname order. Native phonetic models for 80+ languages match these variants in sanctions and PEP screening, so word order or a dropped accent never hides a listed person.

Cameroonian Name Matching

Cross-Document Consistency Checks

Names, dates of birth and card numbers are reconciled across the CNI, passport, residence card, NIU records, RCCM extract and declared beneficial owners. Shufti flags every mismatch for review, so a changed date of birth or a swapped surname cannot pass unnoticed.

Cross-Document Consistency Checks
French, English and Foreign Document Parsing Cameroonian Name Matching Cross-Document Consistency Checks French, English and Foreign Document Parsing

Independent Validation

Shufti's Recognition Across Independent Evaluations

Liminal

Ranked Exceptional in the Liminal Index 2026 for age estimation

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Gartner

Differentiated by Gartner on document diversity and country coverage

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iBeta

Certified at iBeta Level 3 PAD with 0% APCER

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KuppingerCole

Broadest global reach in the 2025 KuppingerCole Extended IDV report

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Homeland Security

Ranked Top 5 in the DHS RIVR 2025 for identity validation

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Liminal

Top Vendor for Product Execution in the Liminal Index for KYC 2026

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Liminal

Ranked Exceptional for age verification by Liminal Index 2026

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G2

Recognised as a Leader in G2 Fall 2026 reports

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Regulatory Update

Every Verification Route Cameroon Firms Rely On, in One Platform

Article 22 of CEMAC Regulation No. 02/24 requires enhanced vigilance whenever a customer is not physically present for identification. Shufti supports CNI digital seal checks and biometric face matching, plus chip, registry, document, and video routes for non-residents and customers without a CNI.

Fraud Prevention Across the Cameroonian Customer Journey

Reduce fraud losses and protect customer trust across onboarding, account access, and payments. Shufti connects identity, behavioral, device, network, and transaction intelligence to help Cameroonian businesses act on risk while keeping legitimate customers moving.

  • 01

    Account Takeover and Recovery Abuse

    Stop attackers who seize mobile money wallets and bank accounts with swapped SIM cards, phished PINs or stolen one-time codes. Account takeover prevention requests a liveness-checked selfie at recovery and on risky logins, while device and behavioral signals expose sessions the real owner never started.

  • 02

    Social Engineering and Manipulated Payments

    Protect customers persuaded to send money by callers pretending to be bank agents, mobile money staff or relatives in trouble. Behavioral biometrics detects hesitation and remote access tools, active-call detection flags coached sessions, and transaction monitoring holds authorised push payment (APP) scam transfers that break a customer's normal pattern.

  • 03

    Device Spoofing and Automated Attacks

    Block scripted sign-ups and emulator farms that open wallets by the hundred for mule networks and bonus abuse. Device fingerprinting gives each session a device profile, detects emulators, rooted phones and location spoofing, and recognises a handset that returns under a new name and SIM card.

  • 04

    Connected Fraud Rings and Repeat Offenders

    Stop offboarded fraudsters from returning with fresh identities and new phone numbers. Fraud network detection connects identities, devices, numbers and accounts, and Shufti's cross-company fraud intelligence flags applicants already linked to confirmed fraud elsewhere in its network before they reach your approval queue.

  • 05

    Synthetic Identities and Fabricated Documents

    Reject applicants assembled from a genuine CNI number, a borrowed SIM card and an address nobody lives at. Email and phone enrichment tests whether contact details have a real history, and zero-shot document intelligence catches forged foreign documents and edited company papers the first time they appear.

  • 06

    Deepfakes and Camera Injection

    Protect selfie onboarding and video identification from face swaps, replayed recordings and virtual cameras. Deepfake detection inspects the camera feed for injection attacks, and iBeta Level 3 liveness confirms a real person is present before the face is matched to the CNI, passport chip or document photo.

  • 07

    Money Mules and Rapid Fund Movement

    Find the mule wallets and accounts that receive scam proceeds and move them on within minutes. Money mule detection follows fast in-and-out flows, many-to-one transfers and sudden shifts in account behavior, and routes flagged accounts to investigators while the funds can still be held.

  • 08

    Fraudulent Businesses and Concealed Ownership

    Keep shell companies and front businesses off your merchant and corporate books. Shufti checks the RCCM record, NIU status and sector licences, maps every owner at 20% or more, and screens managers and owners against sanctions and PEP lists before a merchant account goes live.

Governance & Controls

Audit-Ready Decisions, Lower Operational Drag

Fewer Avoidable Re-submissions

Capture guidance for CNI seal reads, selfies, passport chips and bilingual company papers cuts failed attempts before they reach your review queue.

Fewer Avoidable Re-submissions

Cleaner Audit Trails

Shufti's case management records sources, results, timestamps, evidence, analyst notes and decision history, packaged as report-ready bundles for STR filing with ANIF.

Cleaner Audit Trails

One Workflow, One Back Office

Unify KYC, KYB, AML screening and transaction monitoring in one case file. Perpetual KYC/KYB tracks ownership, management and transaction changes across the full compliance lifecycle.

One Workflow, One Back Office

CNI and Residence Card-First Flow Design

Residents verify through CNI or residence card seal and biometric checks first, while non-residents move to passport chip verification in the same flow.

CNI and Residence Card-First Flow Design

Shufti's IDV/KYC Solutions for Cameroon

KYC Solutions

KYC in Cameroon covers citizens at home and abroad, foreign residents and visiting non-residents, most of them holding a CNI, a residence card or a passport. One Shufti flow routes each by risk, so nobody faces checks they don't need.

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Face Verification

Face Verification

Remote onboarding carries enhanced vigilance duties under CEMAC rules, so a document alone is not enough. Shufti matches a live selfie to the CNI, chip or document photo with iBeta Level 3 liveness, blocking masks, replays and deepfakes while 99.5% of genuine customers pass first time.

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Age Verification

Age Verification

Gaming platforms and age-restricted services must keep minors out, and the CNI only becomes mandatory at 18. Shufti estimates age from a selfie in under 5 seconds and falls back to the date of birth on the CNI or passport when needed.

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Bank Account Verification

Bank Account Verification

Loan payouts, refunds and withdrawals go astray when an account number or holder name is wrong. Shufti validates the account and confirms the holder's name in real time before money moves, so funds reach the verified customer.

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Address Verification

Address Verification

ENEO bills, leases and certificats de domicile arrive as photos, scans and PDFs of uneven quality. Shufti reads each one with layout-aware extraction and fuzzy matching, reaching a 99.3% pass rate, so genuine addresses clear without anyone retyping them.

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Document Verification

Document Verification

CNIs from different generations, residence cards, passports and company papers arrive in every format and quality. Shufti authenticates each within seconds and catches screenshots, replayed images, synthetic PVC cards and print-and-scan copies, so forgeries stop at the first check.

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Identity Verification

Identity Verification

Separate tools for documents, selfies, chip reads and addresses scatter one customer across several records. Shufti runs biometric, NFC, document and address checks in one API session, giving compliance teams one decision and one audit trail per customer.

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KYB Solutions

Business verification in Cameroon means reconciling the RCCM extract, the NIU and the owners declared to the RCBE, often across several corporate layers. Shufti's live registry calls and owner mapping assemble those records into a single review.

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Business Verification

Business Verification

Onboarding a Cameroonian company means confirming its RCCM record, NIU, signatories and everyone who owns or controls 20% or more. Shufti's live registry call pulls that picture together in one check, putting corporate onboarding under two minutes.

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Enhanced Due Diligence

Enhanced Due Diligence

Article 23 of Regulation No. 02/24 requires senior management approval, checks on the origin of funds and enhanced monitoring for PEPs. Shufti's due diligence forms branch by risk, score every answer, collect source-of-funds evidence and send UBO verification links, so the EDD file is complete before anyone signs off.

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AML Screening

A customer who is clean at onboarding can land on a list next week. Shufti's perpetual KYC rescreens customers against 4,000+ watchlists, including the UN Security Council lists ANIF publishes, refreshing every 15 minutes and keeping every alert in one case file.

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Business AML Screening

Business AML Screening

Risk in a company often sits with its owners and managers. Shufti screens entities, managers and beneficial owners against UN lists and asset freezes ordered under CEMAC Regulation No. 04/24, and perpetual KYB rescreens them whenever the RCCM record or declared ownership changes.

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Transaction Monitoring

Transaction Monitoring

Cash transactions of 5 million FCFA or more must be reported to ANIF, so deposits split just below that line are a red flag. Shufti's library of 500+ pre-built rules covers structuring, smurfing, and mule activity, cuts false positives by 60% and builds report-ready case bundles.

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Travel Rule

Travel Rule

Article 42 of Regulation No. 02/24 requires virtual asset service providers to pass originator and beneficiary details with every transfer. Shufti's Travel Rule solution exchanges IVMS101 data through one integration with major networks and confirms ownership of unhosted wallets.

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AI Compliance Co-Pilot

AI Compliance Co-Pilot

One common name can return 140+ screening hits. Shufti's AI Compliance Co-Pilot reviews every hit and gives a confidence score out of 100 with a written reason, while your MLRO keeps the final call.

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REGULATORY ALIGNMENT

Built To Fit Cameroon's Compliance Landscape

CEMAC Regulation No. 02/24 and ANIF apply to every reporting entity in Cameroon, while COBAC, COSUMAF, CIMA and national authorities add rules for the firms they oversee. Shufti maps its KYC, KYB, AML screening and transaction monitoring controls to every regime below, so one platform covers each licence your group holds.

CEMAC Regulation No. 02/24/CEMAC/UMAC/CM on AML/CFT

CEMAC Regulation No. 02/24/CEMAC/⁠UMAC/⁠CM on AML/CFT

Signed on 20 December 2024 by the CEMAC Council of Ministers, the regulation repealed Regulation No. 01/CEMAC/⁠UMAC/⁠CM of 2016 and applies directly in Cameroon. Article 21 requires ongoing vigilance, Article 22 covers remote customers, Article 39 sets record retention and Article 105 requires suspicious transactions to be reported to ANIF forthwith.

Bank of Central African States (BEAC)

Bank of Central African States (BEAC)

BEAC is the central bank of the six CEMAC states and issues the CFA franc used across the region. Regulation No. 04/18/CEMAC/⁠UMAC/⁠COBAC on payment services, in force since January 2019, requires payment institutions and their distributors to identify payers and payees and keep records for ten years.

Central African Banking Commission (COBAC)

Central African Banking Commission (COBAC)

COBAC supervises banks, microfinance institutions, payment institutions and bureaux de change, and gives the binding opinion on their licences. Its Regulation R-2023/01 on AML/CFT diligence has applied since 1 July 2024, and a May 2022 COBAC communiqué bars supervised institutions from holding or exchanging crypto-assets.

Agence Nationale d'Investigation Financière (ANIF)

Agence Nationale d'Investigation Financière (ANIF)

Created by Decree No. 2005/187, ANIF is Cameroon's financial intelligence unit, attached to the Ministry of Finance and a member of the Egmont Group. It receives suspicious transaction reports in written form and reports on large cash transactions, and it publishes the UN targeted financial sanctions lists for reporting entities.

Commission de Surveillance du Marché Financier de l'Afrique Centrale (COSUMAF)

Commission de Surveillance du Marché Financier de l'Afrique Centrale (COSUMAF)

Since 2019, COSUMAF has been the single regulator of the unified CEMAC financial market, covering the BVMAC exchange, broker-dealers and asset managers. Its General Regulation of May 2023 requires crypto-asset service providers to obtain a licence and show an adequate AML/CFT framework before they operate.

Conférence Interafricaine des Marchés d'Assurances (CIMA)

Conférence Interafricaine des Marchés d'Assurances (CIMA)

CIMA sets common insurance rules for its 14 member states, Cameroon among them. Regulation No. 003/⁠CIMA/PCMA/⁠PCE/⁠SG/⁠2025, adopted in July 2025, replaced the 2021 AML/CFT regulation for insurers, with identification duties in Article 13 and ten-year record retention in Article 18.

Decree No. 2023/06801/CAB/PM on Beneficial Ownership

Decree No. 2023/06801/CAB/⁠PM on Beneficial Ownership

The decree implements Article L8 quinquies of the General Tax Code and places the central register of beneficial owners with the DGI. Companies declare their owners when they register, again with their annual return and within 45 days of any change, and late or missing declarations carry tax fines.

Délégation Générale à la Sûreté Nationale (DGSN)

Délégation Générale à la Sûreté Nationale (DGSN)

The DGSN issues the CNI, residence cards and passports. Decree No. 2025/059 of February 2025 replaced the 2016 identity document decree, set ICAO Doc 9303 standards for the new cards, requires online pre-enrolment through idcam.cm and sets delivery within 48 hours of validation.

Regulation No. 04/24/CEMAC/UMAC/CM on Targeted Financial Sanctions

Regulation No. 04/24/CEMAC/⁠UMAC/⁠CM on Targeted Financial Sanctions

Adopted on the same day as Regulation No. 02/24, it gives effect to UN Security Council Resolutions 1267, 1373, 1718 and 1737. The minister in charge of money and credit orders administrative freezes on the advice of a national consultative commission, which also reviews requests for delisting.

Agence de Régulation des Télécommunications (ART)

Agence de Régulation des Télécommunications (ART)

ART regulates electronic communications. Decree No. 2015/3759/PM requires operators to identify every subscriber in person with an original CNI or residence permit, limits each person to three SIM cards per operator and requires identification data to be kept for ten years after the subscription ends.

Decree No. 2019/2300/PM on Games of Chance

Decree No. 2019/2300/PM on Games of Chance

Implementing Law No. 2015/012, the decree requires casino, betting and lottery operators to declare their activity to the minister in charge of games and to ANIF, prove their AML/CFT capacity and report each year on their AML controls. Foreign online operators need a Cameroonian subsidiary.

Agence Nationale des Technologies de l'Information et de la Communication (ANTIC)

Agence Nationale des Technologies de l'Information et de la Communication (ANTIC)

Under Law No. 2010/012 on cybersecurity and cybercrime, ANTIC regulates electronic security and certification and acts as the root certification authority. The same law requires network operators and service providers to secure their systems and keep connection and traffic data for ten years.

GABAC AML Standards and FATF Monitoring of Cameroon

GABAC AML Standards and FATF Monitoring of Cameroon

GABAC, the FATF-style body for Central Africa, adopted its mutual evaluation of Cameroon in October 2021. FATF's June 2026 update found that every action plan deadline had expired, with risk-based supervision, information sharing with ANIF, confiscation and targeted financial sanctions still to be addressed.

Cameroon Data Residency and Deployment

COBAC Regulation R-2016/04 requires banks to keep their servers, files and records available in the CEMAC state where their head office sits, even when activities are outsourced. Shufti offers on-premises deployment, with any other hosting location and transfer arrangement set in the agreement.

Personal Data Protection Law (Law No. 2024/017)

Law No. 2024/017 classes biometric data as sensitive, makes processing subject to the data protection authority's prior authorisation and gave controllers 18 months to comply. Shufti protects identity and biometric data with encryption, role-based access controls and configurable retention, and documents processing for your filing.

Cross-Border Transfers

Article 32 requires the authority's prior authorisation before personal data leaves Cameroon, after it checks the destination's protection level and the contractual safeguards in place. On-premises deployment keeps verification data within your own systems, and Shufti lists every processing location for the authorisation request.

COBAC Outsourcing and IT Risk Rules

Outsourcing a banking activity needs prior approval from COBAC's Secretary General under R-2016/04, and COBAC Regulation R-2024/01 on IT risk applies to banks and payment institutions from January 2026. Shufti discloses its processing locations, signs a data processing agreement and supplies the audit logs supervisors ask for.

Retention Controls

Article 39 of Regulation No. 02/24 requires identity records to be kept for ten years after an account closes or a relationship ends. Shufti configures retention per client and licence, treats legal minimums as floors rather than deletion dates and lets you place records on legal hold.

Encryption and Security

Shufti encrypts personal and financial data in transit and at rest, enforces role-based access and logs every action. ISO 27001:2022 and SOC 2 Type 2 reports support the vendor assessments that banks, payment institutions and insurers complete before onboarding a provider.

Automated Decisions and Biometric Data

Article 44 of Law No. 2024/017 gives people the right to object to decisions based solely on automated processing and to obtain human intervention. Shufti exposes verification results and supporting details through the API and back office, so support teams can explain outcomes and escalate disputed results.

Scope of Our Role

Shufti processes personal data as a sous-traitant, or processor, under Law No. 2024/017 and acts only on your instructions, while your firm remains the responsable du traitement. Any activity where Shufti acts as an independent controller is identified in its privacy notice.

Data Residency and Privacy Controls in Cameroon

BUILT FOR COMPLIANCE TEAMS

Cameroon AML Sources That Strengthen Decisions

Turn Cameroon Verification Requirements into a Smoother Customer Journey

Share your customer types, risk rules and current onboarding process. A Shufti specialist will show you how to connect identity verification, KYB and ongoing monitoring, reducing operational hand-offs while keeping decision evidence organised for compliance review.

INDEPENDENTLY AUDITED. GLOBALLY CERTIFIED.

Certified to Global Standards

PROVEN WORKFLOWS

Identity Verification Built Around Your Industry in Cameroon

Open Accounts Remotely With Enhanced Vigilance Built In

Banks follow COBAC's AML/⁠CFT diligence regulation and the CEMAC duty of enhanced vigilance for customers who are not physically present. Shufti combines CNI seal checks, passport chip reads and liveness in one flow, then screens every customer and monitors every account from the first transaction.

Frequently Asked Questions

Does Shufti support Cameroon's new CNI, and what happens when customers cannot use it?

Yes. Shufti checks the QR digital seal and MRZ on the new CNI, verifies older card designs by their security features and pairs both with a liveness-checked selfie. Customers without a CNI, such as foreign residents or visitors, switch to residence card or passport verification in the same flow.

Is a CNI image enough to verify a Cameroonian customer?

Not on its own, because CEMAC rules call for enhanced vigilance when the customer is not physically present. Shufti decodes the card's digital seal, checks it against the printed data and MRZ, and matches a live selfie to the photo, so an edited card fails.

Can Shufti verify foreign documents or identity formats it has not encountered before?

Yes. Shufti's zero-shot AI reads layouts it has never seen without waiting for a new template. A regional ID card, a new passport series or a foreign director's residence document is extracted and checked for tampering the first time it enters your onboarding flow.

How does Shufti OCR compare with Google OCR for French and English identity documents?

Cameroonian identity cards print their fields in French and English, and Shufti reads both at 99.7% accuracy. The gap grows on foreign documents, and across the languages in its published benchmark Shufti averages 93% accuracy against Google Vision's 78.4%, so expat and foreign director records arrive complete.

How does Shufti verify ownership when a Cameroonian company has several corporate layers?

Shufti pulls RCCM records for each company in the chain, maps holdings through every layer and identifies everyone holding 20% or more or controlling the company by other means. Each owner is compared with the RCBE declaration and screened before approval.

Does Shufti's ongoing monitoring cover more than sanctions screening?

Yes. Article 21 of CEMAC Regulation No. 02/24 requires ongoing vigilance for as long as a business relationship lasts. Shufti monitors transactions against each customer's profile and source of funds, rescreens customers and beneficial owners, and flags ownership or management changes on the RCCM record.

How does Shufti keep screening current and handle Cameroonian name variations?

Watchlists, including the UN Security Council lists ANIF publishes and freezes ordered under Regulation No. 04/24, refresh every 15 minutes. Native phonetic models match French and English spellings, multi-part family names and reordered surnames, so a respelled name still leads back to the right listed person.

Can we control where our data is hosted or run verification inside our own infrastructure?

Yes. Run Shufti on-premises inside your own infrastructure, air-gapped if required, with any other hosting location agreed in the contract. Banks keep their data available in Cameroon, as COBAC requires, and avoid transfers that need the data protection authority's prior authorisation.

What controls help us protect identity and biometric data?

Shufti encrypts data in transit and at rest, limits access by role and logs every action, backed by ISO 27001:2022 certification and SOC 2 Type 2 reports. Each processing activity is documented for the prior authorisation Law No. 2024/017 requires, so your application is ready before launch.

Can we configure different retention periods for different Cameroonian licences?

Yes. Retention is set per client, licence and record type, so AML records stay at least ten years after a relationship ends while subscriber, gaming or tax records follow their own schedules. A legal hold stops deletion of any record tied to an investigation.

What does Shufti provide when our compliance team needs to file a report with ANIF?

Shufti's case file holds the verified identity, screening hits, transaction history, analyst notes and decision trail, exported as a report-ready written bundle. Your compliance officer can report forthwith, as Article 105 of Regulation No. 02/24 requires, without rebuilding the case from separate systems.

Can we add verification checks without rebuilding our onboarding journey?

Yes. The AI Journey Builder adds or reorders checks such as CNI seal checks, passport NFC, address verification and AML screening by product, customer type and risk tier. Changes go live without new code or a new release, so compliance updates never wait on engineering.

How does Shufti make verification queries easier for our customer support team?

Every decision appears in the back office with its reason, the failed check and the captured evidence. Support staff can tell a customer whether a selfie failed liveness or a seal check was rejected, then pass disputed results to compliance in one click.

Let’s Build Trust Into Your Business

1B+Verifications Processed

240+Regions Actively Processed

99.7%Accuracy Rate

Samer Al Tamimi

CEO of Safwa Bank

Samer Al Tamimi

“We take our client’s privacy very seriously and always look for new innovative solutions to ensure a safe banking experience. Working with Shufti feels like a breath of fresh air, as their 100% in-house tech keeps our customer’s data free from vulnerabilities and fully safe and protected.”

Trusted. Compliant. Certified

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