AML Compliance Services in Windsor
Windsor sits on the busiest border crossing in the country, and cross border money movement is ordinary business here. We help firms right across the city meet their Canadian reporting obligations properly.
Life on the Busiest Canadian Border
Windsor faces Detroit across the river, and the crossing between them carries more trade than any other in the country. Automotive suppliers, logistics operators, and manufacturers here settle payments in two currencies as a matter of routine, and currency exchange businesses serve the constant movement of people and money between the two markets every single day.
That volume of cross border activity brings jurisdictional questions that inland businesses rarely face. Payments arriving from foreign counterparties, currency handled for customers, and transfers moving across the border all raise duties under Canadian anti money laundering law, and those duties need to be identified and documented rather than assumed away. We work with businesses throughout Windsor and Essex County.
Compliance Support Across Windsor
We deliver obligation assessments, FINTRAC registration, anti money laundering program development, risk assessments, independent effectiveness reviews, transaction reporting support, staff training, and outsourced compliance officer cover for businesses right across the whole of Windsor.
PSP Registration
End-to-end PSP registration support under Canada's Retail Payment Activities Act framework.
MSB Licensing
Complete MSB licensing and FINTRAC registration for money services businesses nationwide.
Banking
Deliver secure banking compliance solutions supporting regulatory excellence and operational efficiency.
AML Compliance
Build robust AML frameworks ensuring regulatory compliance and effective financial crime prevention.
Regulatory Consulting
Receive strategic regulatory advice supporting sustainable growth and complete compliance confidence.
Transaction Monitoring
Ongoing transaction monitoring and screening to detect and report suspicious activity.
Why Windsor Businesses Choose Us
We handle cross border activity properly, which matters more here than almost anywhere in the country, and we document jurisdictional decisions so they hold up when somebody eventually asks about them.
Border Activity Understood
We know how constant cross border movement creates duties, so international payment activity gets assessed rather than overlooked.
Currency Work Covered
We understand currency exchange operations properly, including the identification and record keeping that customer facing exchange requires.
Jurisdiction Fully Documented
We record the reasoning behind your jurisdictional risk decisions, so those judgements can be defended rather than merely asserted.
Sized For You
We build programs your team can genuinely run, whether that is two people or a full compliance function.
Businesses We Support in Windsor
We support currency dealers, money services businesses, payment service providers, remittance operators, crypto businesses, and many of the other reporting entities that genuinely operate right across the whole of Windsor.
Banks operate under some of Canada’s closest supervision, prudentially through OSFI and for financial crime through FINTRAC. We help banks and federally regulated institutions strengthen compliance, governance, and controls, and meet the evolving supervisory expectations that come with holding a banking licence.
Federally regulated financial institutions carry broad obligations across governance, risk, and anti money laundering. We help them build frameworks that hold up under genuine examination, strengthen internal controls, and demonstrate to regulators that compliance is genuinely embedded rather than merely documented on paper.
Credit unions serve their members while carrying real anti money laundering and reporting obligations under Canadian law. We help them build proportionate compliance programs, run risk assessments, and meet FINTRAC requirements without losing the community focus that sets them apart.
Money services businesses face some of the closest scrutiny of any reporting entity. We handle FINTRAC registration, program development, and independent reviews, so currency dealers, transfer businesses, and other MSBs meet their obligations properly and keep their registration in good standing.
Foreign money services businesses serving Canadian customers must register with FINTRAC and meet the same obligations as domestic ones. We help overseas operators register correctly, build compliant programs, and navigate Canadian requirements from wherever they happen to be based around the world.
Foreign exchange businesses handling currency conversion are reporting entities with clear anti money laundering duties under Canadian law. We build the registration, monitoring, and reporting frameworks these businesses need, so currency dealing meets FINTRAC expectations without slowing down legitimate customer activity.
Remittance businesses move money across borders, which puts transaction monitoring and reporting at the centre of their obligations. We build practical compliance programs that catch what matters, satisfy FINTRAC, and keep transfers flowing without unnecessary friction for genuine customers.
Payment service providers now sit under Bank of Canada oversight through the Retail Payment Activities Act, alongside their FINTRAC duties. We help PSPs register, build operational and risk frameworks, and meet both sets of obligations as this newer regime continues to take shape.
Payment processors handle volume that makes strong controls essential and regulatory attention likely. We help them meet registration and reporting obligations, build transaction monitoring that scales, and manage the operational risk that comes with sitting in the middle of large payment flows.
Digital wallet providers hold and move value in ways that trigger real compliance obligations under Canadian rules. We help them map exactly which requirements apply, build the monitoring and reporting they need, and manage risk across a fast changing and closely watched product area.
Corporate firms often carry compliance obligations they never expected, particularly once they handle payments, currency, or cross border activity. We assess exactly what applies, then build programs that meet the requirements without overwhelming teams that have a business to run.
Listed firms carry governance, disclosure, and financial crime obligations alongside heightened public and regulatory scrutiny. We help them strengthen governance frameworks, assess and manage risk across the enterprise, and demonstrate the oversight and accountability that markets and regulators genuinely expect from a public company.
Fintech companies move fast, and compliance obligations often arrive sooner than founders expect. We help them work out exactly which requirements apply, build proportionate programs that scale with growth, and satisfy FINTRAC and other regulators without slowing the product down unnecessarily.
Businesses issuing electronic money or stored value carry obligations tied to the payment and transfer activity they perform, even without a standalone licence in Canada. We map exactly which requirements apply and build governance and monitoring that reflect sound practice and regulatory expectations.
Virtual asset service providers are regulated as money services businesses in Canada, with full FINTRAC registration and reporting duties. We help crypto exchanges and wallet providers register, monitor transactions, and build the controls this fast moving and closely watched sector genuinely demands.
What Our Clients Say
Canadian financial firms trust ABM Global Compliance to navigate complex regulation with clarity and care. From MSB licensing to ongoing AML support, our clients value our responsiveness, expertise, and genuine commitment to their long-term compliance success.
Let's Talk About Your Compliance Needs
Schedule a Free Consultation
Whether you’re starting a new MSB or need ongoing AML support, our team responds within one business day.
Windsor Compliance Questions
Clear answers to the questions Windsor businesses ask most about cross border activity and their Canadian anti money laundering obligations.
Do currency exchanges need registering?
Yes. Exchanging currency for customers makes a business a money services business, requiring FINTRAC registration before it starts operating.
Does cross border trade create duties?
Not by itself, though handling payments, currency exchange, or transfers for other parties can. We assess your activities and confirm.
Do American rules apply to us?
Your Canadian obligations come from the PCMLTFA regardless of who you deal with abroad. Foreign counterparties do not change that.
Are the rules different here?
No. Obligations are federal under the PCMLTFA and supervised by FINTRAC, applying identically across every Canadian city and province.
Do you cover Essex County?
Yes. We support businesses across Windsor and the surrounding area, including Tecumseh, LaSalle, Amherstburg, and Leamington.