Maye & Associates works with leadership teams facing significant opportunities, challenges, and transitions.
We advise financial institutions, corporations, educational institutions, investors, foundations, and development organizations on the questions that determine direction. Our work helps organizations define direction, improve performance, strengthen competitiveness, and pursue sustainable growth.
Each engagement combines strategic analysis, practical experience, stakeholder engagement, and implementation support.
Supporting banks, insurers, pension funds, asset managers, and fintechs as they respond to changing markets, evolving customer expectations, competitive pressure, and new growth opportunities.
Helping organizations clarify strategic direction, improve performance, strengthen market position, and prepare for the next stage of growth.
Working with investors, foundations, industry associations, and market actors to improve market performance, expand access, strengthen institutions, and improve competitiveness.
Helping financial institutions design and strengthen fraud risk frameworks that prevent fraud, improve detection, sharpen governance and accountability, and equip the organization to respond when incidents arise.
Organizations engage us when they are confronting important strategic choices, pursuing growth opportunities, entering new markets, improving performance, or responding to changing market conditions.
We believe strategy should improve decision-making, strengthen execution, and produce measurable results. Every assignment is tailored to the client's context, ambitions, and operating environment.
We start with the situation as it is, not as it is assumed to be.
We define the real challenge and the decision that has to be made.
We build practical options grounded in evidence and judgement.
We support execution so that strategy translates into results.
Financial institutions operate amid changing customer expectations, increasing competition, regulatory scrutiny, technological disruption, and evolving business models. We help them respond and position for sustainable growth.
Entering new markets. Launching new products. Responding to competitive pressure. Improving performance. Preparing for growth. We help leadership teams navigate these decisions across sectors.
Market performance is influenced by institutions, incentives, access to finance, information flows, partnerships, regulation, and capability. We work with organizations seeking to improve the effectiveness, competitiveness, and inclusiveness of markets and sectors.
Digitization, agency and mobile banking, reliance on third-party providers, and increasing regulatory scrutiny have expanded fraud exposure across financial services. We help institutions design fraud risk frameworks that are practical, proportionate, and aligned with business strategy.
Effective fraud risk management should support growth, customer experience, innovation, and efficiency, not impede them. Our approach is guided by leading international practice while remaining grounded in the realities of African financial institutions, and is scaled to the maturity, complexity, and resources of each client.
Enterprise and process-level fraud risk assessments, maturity diagnostics, control reviews, and risk profiling that give the Board and management clear visibility of key exposures.
Control framework design, segregation of duties reviews, process redesign, and reviews of digital customer journeys, from onboarding and authentication to payments and claims.
Risk-based monitoring frameworks, detection rule design, Key Fraud Risk Indicators, transaction and claims monitoring, and fraud trend analysis.
Structured, objective, and defensible investigation support, root cause and control failure analysis, loss quantification, and post-incident remediation.
Fraud risk management frameworks, policy development, governance and reporting structures, risk appetite integration, and regulatory alignment.
Staff and Board awareness, specialist investigator training, fraud risk culture initiatives, and ethics and whistleblowing programme support.
Our experience spans financial services, education, healthcare, agriculture, manufacturing, technology, and development programs. The following are representative of the work we undertake.
A financial institution sought to accelerate growth, improve competitiveness, and strengthen customer acquisition.
Review of customer strategy, distribution channels, product portfolio, customer experience, and the underlying drivers of growth.
Material growth in customer acquisition, expanded distribution capability, increased transaction activity, and improved business performance.
A financial institution sought to sharpen market focus and improve the allocation of resources.
Analysis of customer needs, profitability, behaviour, and market opportunity across the portfolio.
A clear segmentation framework, improved targeting, and a stronger basis for strategic focus.
An international organization sought to establish operations in East Africa.
Market assessment, stakeholder mapping, competitive analysis, and development of an entry strategy.
A clear market-entry roadmap and an implementation plan ready to execute.
Limited access to finance constrained participation across agricultural value chains.
Value chain assessment, lender engagement, product development support, and capacity building.
Expanded financing, improved lender capability, and stronger participation across the value chain.
An organization required a clear strategic direction for its next phase of growth.
Leadership engagement, market analysis, stakeholder consultation, and strategy development.
Clear strategic priorities, an implementation roadmap, and alignment across the leadership team.
Joe Maye is the founder of Maye & Associates. His experience spans banking, financial services, fintech, management consulting, and market development across Africa and North America.
Over the course of his career he has held executive leadership positions in banking and financial services, and has advised organizations across financial services, education, healthcare, agriculture, manufacturing, technology, and development sectors.
His work has focused on growth, performance, competitiveness, transformation, market development, and organizational effectiveness.
Tell us what you are working through. We will respond personally.
maye.joe@gmail.com