Transaction Monitoring Services for Reporting Entities
Money laundering hides inside ordinary-looking transactions. We build the monitoring that spots the unusual, the structured, and the suspicious right in your own transaction flow, so what should be caught actually is.
Seeing the Signal in the Noise
Every business processes transactions that look normal. Hidden among them is the small fraction that is not: structured deposits, rapid movement, activity that does not fit the customer. Transaction monitoring is how you find that fraction, applying consistent rules to a flow no person could watch by eye.
Catching Risk Without Drowning in Alerts
Weak monitoring fails in one of two ways: it misses real risk, or it buries your team in false alerts until the real ones are lost. We build rules and scenarios tuned to your actual business, so monitoring flags what matters and stays quiet on what does not. The goal is not more alerts; it is the right ones, reviewed properly.
Monitoring Rules
We build the rules and scenarios that flag suspicious patterns in your transactions.
Structuring Detection
We detect deposits and transfers deliberately split to stay below reporting thresholds.
Behaviour Analysis
We flag activity that does not fit the customer's expected profile and history.
Alert Tuning
We tune thresholds to cut false positives while keeping genuine risk in view.
Ready to Simplify Your Compliance?
Businesses We Support With Monitoring
We build transaction monitoring for money services businesses, payment service providers, cryptocurrency platforms, currency exchanges, real estate firms, and the many other reporting entities that watch transaction activity under the PCMLTFA.
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 Monitoring
Genuinely Effective
We build monitoring that catches real risk, so suspicious activity surfaces instead of slipping through unnoticed in the flow.
Less Noise
We tune rules to your business, so analysts spend time on real alerts rather than clearing endless noise.
Review Ready
We feed alerts into a clear review process, so every flag leads to a decision rather than sitting ignored.
Serving Businesses Across Canada
We deliver transaction monitoring right across the whole of 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.
Transaction Monitoring Questions
Clear answers to the questions Canadian businesses ask most about monitoring transactions and detecting suspicious activity under the PCMLTFA and FINTRAC.
What does transaction monitoring detect?
Unusual, structured, or suspicious activity, such as transactions split to avoid thresholds, rapid movement of funds, or behaviour inconsistent with the customer.
Should monitoring be automated or manual?
Most businesses need automation to watch transaction volume at scale, with skilled analysts reviewing the alerts that automated rules raise.
What exactly is structuring here?
Deliberately splitting transactions into smaller amounts to stay below reporting thresholds, which monitoring is specifically designed to detect.
How is this different from customer monitoring?
Transaction monitoring watches the transactions. Ongoing customer monitoring keeps the wider customer relationship, information, and risk rating current over time.
What happens after an alert is raised?
An analyst reviews it, decides whether it is genuinely suspicious, and escalates it for reporting to FINTRAC where the concern is confirmed.