· FINTRAC
Common AML program failures for Canadian MSBs
The compliance program failures that most frequently produce FINTRAC findings are structural, not incidental — and most are preventable.
FINTRAC
- · FINTRAC
Documentation matters more than policy language
In a FINTRAC examination, the records that show how the compliance program runs carry more weight than the policies that describe it.
- · FINTRAC
Financial technology regulation in Canada
Canadian fintech regulation turns on what a product does, not what it is called — and the analysis starts with the flow of funds.
- · FINTRAC
Preparing for a FINTRAC examination
FINTRAC examinations test operating evidence, not just policy documents — preparation means assembling the records that show how the compliance program runs in practice.
- · FINTRAC
Six pillars of MSB defensibility
A defensible AML compliance program for Canadian MSBs is built on six elements that FINTRAC examines both as documentation and as operating evidence.
- · FINTRAC
Suspicious transaction reporting: when legal triage is needed
The STR decision turns on reasonable grounds to suspect, not proof — and the line between a compliance decision and a legal one is not always obvious.