Outsourced MLRO Services in Canada
Your compliance officer is the person FINTRAC examines. We provide experienced MLRO and CAMLO support, giving your business the authority, expertise, and documented reasoning that examiners expect, all without a full-time executive hire.
MLRO and CAMLO, What Canada Actually Requires
Many firms use the term MLRO, though the PCMLTFA formally requires a designated compliance officer, often called the CAMLO. Whichever name you use, the obligation is the same, and FINTRAC expects that person to have real authority, genuine expertise, and the resources to do the job properly.
The Officer Examiners Will Interview
During an examination, FINTRAC interviews your compliance officer directly. They assess whether that person understands the program, holds sufficient authority, and can defend the decisions made. An officer who cannot answer confidently becomes a finding. We provide the expertise and the documented reasoning that turns those interviews into a straightforward conversation.
Fractional MLRO
We provide experienced compliance officer expertise on a part-time, fully documented basis.
Reporting Decisions
We review alerts, decide on filings, and document the reasoning behind every report.
Officer Support
We support your designated officer with the analysis and expertise the role demands.
Examination Readiness
We prepare your officer and your records for FINTRAC interviews and examinations.
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Businesses We Help Support
We support money services businesses, payment service providers, fintechs, and cryptocurrency platforms across Canada. Whether you lack a qualified officer entirely or need senior expertise behind the one you have, we fill the gap.
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 MLRO Support
Examiner Ready
We prepare your officer for the questions FINTRAC actually asks, so examinations confirm your program rather than expose it.
Personal Protection
Compliance officers carry personal accountability, so we document every decision and give them the expertise to stand behind it.
No Gaps
If your officer resigns, you cannot simply operate without one, and we provide immediate cover while you recruit.
Serving Businesses Across Canada
We provide MLRO and compliance officer support nationwide, from Toronto and Montreal to Vancouver and Calgary, and we also support foreign reporting entities that serve Canadian clients, wherever they happen to 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.
Outsourced MLRO Questions
Clear answers to the questions Canadian businesses ask most about MLRO and CAMLO roles, outsourcing the compliance officer function, and preparing for FINTRAC examinations.
Is MLRO the correct Canadian term?
The PCMLTFA requires a designated compliance officer, often called the CAMLO. MLRO is widely used in practice, and both describe the same statutory obligation.
Can the MLRO role be outsourced?
Your business must designate an internal officer who retains accountability, but the expertise and daily work behind that role can be fully outsourced to specialists.
What is a fractional MLRO?
An experienced compliance professional engaged part time rather than as a full-time employee. The law requires the function to be properly resourced, not full time.
Does FINTRAC interview the compliance officer?
Yes. Examiners interview your officer, review their qualifications, and assess whether they hold the authority and resources to perform the role effectively.
Can a compliance officer be personally penalised?
Yes. FINTRAC can impose administrative monetary penalties on individuals, not just businesses, which is why documented decisions and genuine expertise matter so much.