This review paper examines the intersection of Anti-Money Laundering (AML) compliance and financial inclusion in Sub-Saharan Africa. It analyzes the impact of AML regulations on access to financial services, the financial burden on institutions, and the effectiveness of risk-based approaches. The paper highlights the challenges faced by both regulators and financial institutions in balancing AML requirements and inclusion objectives. Policy recommendations focus on balancing AML requirements and inclusion goals, enhancing regulatory and institutional capacities, and fostering innovation and collaboration. The future outlook considers technological advancements and regulatory trends shaping the region’s AML regulation and financial inclusion dynamics. The paper emphasizes the importance of a balanced approach that safeguards the financial system from illicit activities while promoting inclusive economic growth. By examining regulatory frameworks, technological solutions, and real-world examples, the paper offers insights to inform policy and regulatory decisions in Sub-Saharan Africa.This review paper examines the intersection of Anti-Money Laundering (AML) compliance and financial inclusion in Sub-Saharan Africa. It analyzes the impact of AML regulations on access to financial services, the financial burden on institutions, and the effectiveness of risk-based approaches. The paper highlights the challenges faced by both regulators and financial institutions in balancing AML requirements and inclusion objectives. Policy recommendations focus on balancing AML requirements and inclusion goals, enhancing regulatory and institutional capacities, and fostering innovation and collaboration. The future outlook considers technological advancements and regulatory trends shaping the region’s AML regulation and financial inclusion dynamics. The paper emphasizes the importance of a balanced approach that safeguards the financial system from illicit activities while promoting inclusive economic growth. By examining regulatory frameworks, technological solutions, and real-world examples, the paper offers insights to inform policy and regulatory decisions in Sub-Saharan Africa.