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SYSTEMIC LAPSES IN AML COMPLIANCE: DID SOME BANKS ENABLE GRAND CORRUPTION?

 INTRODUCTION As corruption scandals involving politically exposed persons (PEPs) dominate national discourse, one critical institution has largely escaped meaningful scrutiny: the banking sector. These are the very institutions that processed, facilitated, and in some cases, seemingly ignored questionable transactions. The evidence is stark — vast sums of money moved through regulated banks, often originating from state accounts and ending in private hands. Many of these funds were then used to acquire high-value assets such as real estate. Given the existing regulatory frameworks and sophisticated compliance tools available, it is difficult to believe this occurred without at least the tacit consent — or wilful neglect — of the financial system. This suggests more than isolated lapses. It points to deep structural weaknesses and the possible erosion of risk governance within the banks involved. To understand how this happened, one must consider the classic three-stage model of mo...

THE JUDICIAL PENSION SHORTCUT: A QUIET EXPLOIT IN GHANA’S CONSTITUTION

  INTRODUCTION This article is prompted by recent events during the parliamentary vetting of Supreme Court nominees, where questions emerged regarding the implications of Article 155 of the 1992 Constitution —particularly concerning judicial pensions and late-career appointments. The intersection of Article 155 with the mandatory retirement provisions in Article 145(2) of the 1992 Constitution creates a strategic pathway where senior public service lawyers can transition into the judiciary at age 60, serve a minimum of five years , and secure a lifetime pension equivalent to that of a serving Justice. This arrangement effectively turns late-career judicial appointments into a comfortable retirement plan for those nearing the end of their public service careers. The focus of this article is to spotlight this under-examined constitutional mechanism and evaluate whether it inadvertently incentivizes such appointments , driven more by strategic retirement planning than by a...

BEYOND THE LAW: HOW LEADERSHIP & OD PROCESSES DRIVE SMARTER POLITICAL GOVERNANCE

  INTRODUCTION Political governance is often understood as the exercise of authority within a legal framework. While laws provide the necessary structure for decision-making, they are not sufficient on their own to ensure just and effective governance. Legal compliance alone is not enough for good governance—a government or institution may act within its legal mandate, yet still create harmful consequences if decisions lack wisdom, ethical consideration, or structured Organizational Development (OD) processes. True governance requires more than legal authority—it demands wisdom, leadership, and sound OD processes to achieve sustainable and fair outcomes. Laws, like tools, are only as effective as those who wield them. A hammer can build a house or destroy it, depending on how it is used. Similarly, the law can either promote justice or be misapplied to justify oppression and inefficiency. This article argues that political governance must extend beyond legal mandates, integra...

WEBSITE PRIVACY STANDARDS : IS GHANA’S DATA PROTECTION COMMISSION FALLING SHORT?

INTRODUCTION   In the digital age, having a web presence is more than just an aesthetic exercise involving colours, fonts, images, and user-friendliness. Websites, particularly those that interact with users and collect personal data, must comply with legal standards concerning data protection. Data controllers (website owners) who collect personal data from website users (data subjects) have a legal and ethical responsibility to ensure compliance with data protection principles. Unfortunately, in Ghana, many websites fail to meet these obligations, leaving users exposed to privacy risks. Surprisingly, even the Data Protection Commission (DPC)—the regulatory body responsible for enforcing compliance—exhibits gaps in meeting its own standards. This article examines the fundamental legal requirements for website data protection, assesses the compliance of Ghana’s Data Protection Commission website, though under construction but collecting and processing data and highlights the ur...