Scale Your Fintech Operations. 60% Less Cost. 100% UK Compliant.
ISO 27001-aligned back-office teams in Nairobi handling KYC, AML screening, and fraud monitoring for UK fintechs. Full UK timezone overlap. 60–70% cost reduction from day one.
What is Fintech outsourcing?
Fintech outsourcing involves delegating compliance, financial operations, and customer support functions to specialist teams outside your core organisation. Treba provides pre-vetted analysts and support staff in Nairobi who are trained on UK FCA requirements and work inside your compliance, accounting, and CX platforms via secure VPN. This allows UK fintechs to scale regulated operations without the cost and lead time of London recruitment.
Why Treba.
The problem.
Why UK fintech & financial services companies struggle with outsourcing. FCA scrutiny is intensifying while onboarding volumes climb. Hiring compliance analysts in London takes 6–8 weeks and costs north of £40,000 per head once you factor in NI, office space, and recruitment fees. Meanwhile, verification queues grow, conversion rates drop, and your existing team absorbs volume spikes they weren't sized for. Most fintechs face a binary choice: throttle growth or accept compliance risk. Neither option survives a board meeting.
Right for you if:
You're processing 500+ KYC verifications per month and your team can't scale fast enough.
You need FCA-compliant analysts who can work inside your existing compliance platform from day one.
You want to cut your back-office cost per head by 60% without compromising on regulatory standards.
Outcomes.
What we deliver.
AML & KYC Compliance
Manual review of flagged identities. Real-time PEPs and Sanctions screening using your tech stack (Onfido, SumSub).
Fraud & Risk Monitoring
24/7 transaction monitoring to reduce false positives without blocking genuine users. Chargeback dispute resolution.
Accounting & Reconciliation
ACCA-qualified staff for daily bank reconciliations, accounts payable, and month-end reporting.
Fintech Customer Operations
Tier 1 & 2 support via Intercom/Zendesk. Native English speakers with finance training for complex queries.
Compliance built in. Not bolted on.
UK GDPR + IDTA
International Data Transfer Agreement for lawful UK–Kenya data flows. Executed by legal counsel. Annual review.
Kenya DPA 2019
Modelled on EU GDPR. Regulated by ODPC. Enforceable. Equivalent protection.
ISO 27001-Aligned
Biometric access. Clean desk policy. CCTV. Network segmentation. No shortcuts.
Cyber Essentials
UK government-backed baseline cybersecurity certification. Audited annually. Public record.
The numbers.
| Role | UK Cost (£/yr) | Treba (£/yr) | Saving | % |
|---|---|---|---|---|
| Junior KYC Analyst | £40,864 | £10,800 | £30,064 | 74% |
| Senior Accountant | £71,290 | £19,200 | £52,090 | 73% |
| Fraud Analyst | £45,016 | £12,000 | £33,016 | 73% |
Hire pre-vetted fintech professionals
Interview-ready candidates with industry experience. No recruitment fees. Start in 7 days.
FAQ
Frequently asked questions.
Fintech insights.
ArticleFintech Outsourcing: A Compliance-First Guide for UK Neobanks and Payment Companies
A practical guide to outsourcing KYC, AML, fraud monitoring and financial operations for UK fintechs. Covers compliance, cost models, and team structures.
ArticleOutsourcing Dispute Resolution: A Guide for Fintechs and Banks
Guide to outsourcing dispute resolution for UK fintechs and banks. FCA DISP rules, chargeback handling, and cost comparison.
Ready to Build Your Fintech Team?
Tell us your verification volume and compliance stack. We'll show you exactly how a 3-person Nairobi team fits your workflow — saving up to £52,090 per senior head per year. Costed proposal in 48 hours.