AML Policy and Procedure Manual Development
Your AML manual is the document examiners, banks, and auditors ask to see first. We write yours to reflect how your business actually operates, so it holds up to every review it faces.
The Document at the Heart of Compliance
Your policies and procedures manual is where your compliance program lives on paper. It sets out what your business does, who is responsible, and how each obligation is met. FINTRAC, your bank, and your auditors all read it, and a vague or generic manual undermines confidence in everything behind it.
Policies and Procedures Are Not the Same
Regulators expect both, and they are distinct. Policies state what your business will do and why, setting the rules and the commitments. Procedures explain exactly how staff carry those rules out, step by step, at the counter and the desk. A manual with one but not the other leaves a gap examiners find quickly, so we write both to work together.
Manual Drafting
We write your full policy and procedure manual around your specific business and obligations.
Regulation Mapping
We map each section to the PCMLTFA requirement it satisfies, so nothing is missed.
Procedure Detail
We turn your policies into clear step-by-step procedures your staff can actually follow.
Manual Updates
We keep your manual current as your business and the regulations change over time.
Ready to Simplify Your Compliance?
Businesses We Write Manuals For
We write AML manuals for money services businesses, payment service providers, cryptocurrency platforms, currency exchanges, real estate firms, and the many other reporting entities that need a document ready for scrutiny.
We support banks with program design, oversight, & regulatory examination readiness.
We help credit unions meet obligations proportionate to their membership and scale.
We handle registration, renewals, reporting, & controls FINTRAC expects from you.
We cover Bank of Canada registration alongside your anti money laundering obligations.
We establish what your wallet activity triggers, then build only what applies.
We build compliance around what your product does, before volumes and questions arrive.
We register virtual currency dealers and build the reporting their activity demands.
We support financial institutions across registration, program build, and reporting duties.
Why Businesses Choose Our Manuals
Business Specific
We write your manual around your actual operations, so it reads as genuinely yours rather than a recycled template.
Review Ready
Banks and auditors request your manual constantly, so we make it clear, complete, and ready to hand over.
Actually Usable
A manual nobody follows fails on examination, so we write procedures your staff can genuinely work from.
Serving Businesses Across Canada
We write AML policy and procedure manuals right across Canada, from Toronto and Montreal to Vancouver and Calgary, and for foreign reporting entities that carry Canadian obligations wherever they operate.
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.
AML Manual Questions
Clear answers to the questions Canadian businesses ask most about writing and maintaining an AML policy and procedure manual under the PCMLTFA.
Is an AML manual legally required?
Yes. The PCMLTFA requires written policies and procedures, and the manual is where they live and how you evidence them to FINTRAC.
What must the manual contain?
Your policies, your step-by-step procedures, reporting and record-keeping rules, and how each obligation under the PCMLTFA is met in practice.
Can we use a manual template?
Templates rarely satisfy examiners or banks. A manual must reflect your specific business, or it signals that your compliance is only superficial.
How often should the manual update?
Whenever your business, products, or the regulations change, and reviewed at least every two years alongside your effectiveness review.
Why do banks ask for our manual?
Banks assess your compliance before offering accounts, and your manual is the clearest evidence that your controls are real and documented.