AML Compliance Program Development in Canada
A compliant business runs on a documented AML program, not good intentions. We build yours from the ground up, every pillar the PCMLTFA requires, ready for the day FINTRAC asks to see it.
Every Reporting Entity Needs a Documented Program
The PCMLTFA requires every reporting entity to develop and maintain a written compliance program. It is not a template you file once. FINTRAC can demand it at registration or examination, and a program that exists on paper but is never implemented fails just as surely as no program at all.
The Five Pillars We Build For You
A compliant program stands on five pillars: an appointed compliance officer, written policies and procedures, a documented risk assessment, an ongoing training program, and an independent two-year effectiveness review. We build each one to fit your business, then connect them so the whole program works together as the regulator intends.
Compliance Officer
We help appoint a compliance officer with the authority and seniority FINTRAC expects.
Written Policies
We write the policies and procedures that govern how your business stays compliant.
Risk Assessment
We document your money laundering and terrorist financing risk across every relevant factor.
Training Review
We build your training program and the two-year effectiveness review the law requires.
Ready to Simplify Your Compliance?
Businesses We Build Programs For
We develop compliance programs for money services businesses, payment service providers, cryptocurrency platforms, currency exchanges, real estate firms, and the many other reporting entities operating right across Canada and beyond.
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 Program Build
Genuinely Tailored
We build your program around your actual business, not a generic template examiners recognise and immediately distrust.
Implemented Properly
A program only protects you if it operates, so we build one your team can actually run day to day.
Examination Ready
We develop every pillar to the standard FINTRAC applies, so your program holds up when it is examined.
Serving Businesses Across Canada
We develop AML compliance programs right across Canada, from Toronto and Montreal to Vancouver and Calgary, and we build programs for foreign reporting entities carrying 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.
Program Development Questions
Clear answers to the questions Canadian businesses ask most about developing a compliant AML program under the PCMLTFA and FINTRAC expectations.
What must a compliance program include?
An appointed compliance officer, written policies and procedures, a risk assessment, an ongoing training program, and a two-year effectiveness review of the whole program.
Is a written program legally required?
Yes. The PCMLTFA requires every reporting entity to develop and maintain its compliance program in writing, and FINTRAC can request it.
Can we use a template program?
Templates rarely survive examination. FINTRAC expects a program built around your specific business, risks, and activities, not a generic document.
Who can be our compliance officer?
Someone with the authority and seniority to enforce the program. Smaller businesses often appoint internally and outsource the technical work to us.
How often is the program reviewed?
At least every two years through an independent effectiveness review, and sooner when your business, products, or the regulations change materially.