AML & Regulatory
Compliance.
Practical, plain-language compliance under PCMLTFA for money services businesses, fintechs, and digital asset companies operating in Canada. From FINTRAC registration to examination defense.
Our AML & Compliance Services
FINTRAC MSB Registration & Renewal
What we do: Full registration with FINTRAC — initial application, biennial renewal, and 30-day update filings when products, locations, ownership, or compliance officers change.
Why it matters: Missing a deadline triggers AMP exposure. We track yours so you don't have to.
$ fintrac --check-cycle
> Initial: Pre-launch filing
> Renewal: Every 24 months
> Updates: 30-day window
Examination & AMP Defense
Pre-exam: mock reviews, gap analyses, remediation plans.
Post-finding: deficiency response, AMP negotiation, and full audit-defense workflow.
AML / CTF Program Design
Tailored anti-money-laundering and counter-terrorist-financing programs — risk assessments, KYC / KYT procedures, transaction monitoring protocols, and reporting workflows. Written in clear, actionable language; aligned with your actual operations rather than templated.
Outsourced CCO & Documentation
Outsourced Chief Compliance Officer services, periodic audits, staff training, and policy updates as the PCMLTFA evolves. Includes risk assessments, compliance manuals, STR procedures, and record-keeping policies — everything FINTRAC will ask for.
Beyond FINTRAC — Provincial Compliance
Federal registration is only half the story. We also handle Revenu Québec's Money-Services Business Act obligations and other applicable provincial requirements (BC FATA, etc.), keeping your provincial filings aligned with the federal program.
Québec MSB Act
Revenu Québec registration, attestations, and ongoing reporting — required if any clients or transactions are based in Québec.
Other Provinces
BC Financial Services Authority, AMF, and other provincial regulators with money-services / virtual-asset oversight — coordinated with your federal program.
Foreign-MSB Filings
For foreign MSBs with Canadian-facing operations: directed-at-Canada analysis, registration, and ongoing obligations under amended PCMLTFA.
Who This Is For
This service is a good fit if you're:
- A money services business (MSB) operating in or directed at Canada
- A fintech or payment company launching in the Canadian market
- A digital asset exchange or virtual currency dealer requiring FINTRAC registration
- A foreign MSB with Canadian-facing operations
- Any reporting entity looking to strengthen its AML / CTF compliance posture