ELAN Humanitarian KYC Case Studies
Know Your Customer (KYC) regulations, also known as customer due diligence, are designed to combat money laundering, terrorist financing, and other related threats to the financial system. They refer to the ID checks that financial institutions perform to comply with national financial regulations. While humanitarian agencies are not subject to KYC regulations, they do apply to financial service providers (FSPs) that humanitarian agencies partner with to deliver cash transfers.
KYC regulations can restrict options for delivering humanitarian assistance, as populations affected by conflict and disasters often have trouble producing required identity documents (IDs) and sometimes arrive from areas considered high-risk. These case studies draw lessons from two recent humanitarian KYC examples: cash transfers to refugees in Uganda and cash transfers to Typhoon-affected households in the Philippines. The studies demonstrate that access to financial services and adherence to KYC regulations are mutually attainable goals, even amidst crisis.
Achieving both, however, requires planning and consideration of the specific needs of populations affected by humanitarian crises.
These case studies have been compiled using existing reports, as well interviews with humanitarian staff, private sector representatives and regulators in the focus countries.
We recognize that the case studies may benefit from additional information and insight. If you would like to contribute further information about either of these cases, please contact Lily Frey (firstname.lastname@example.org) or Sara Murray (email@example.com)