· 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.
Tag: MSB
- · Payments
Cross-border payments and Canadian regulatory analysis
Cross-border payment flows into and out of Canada engage MSB registration requirements that depend on where activity occurs and which entities perform it.
- · Crypto
Crypto exchange MSB obligations in Canada
Canadian crypto exchanges are required to register as MSBs with FINTRAC and maintain a full AML compliance program — the obligations are specific and the enforcement record is growing.
- · Payments
Embedded payments in SaaS products: MSB risk
SaaS platforms that embed payment functionality need to assess whether their role in the fund flow creates MSB exposure independent of their payment partners.
- · 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.
- · Payments
Marketplace payments and MSB registration
Marketplaces that handle funds between buyers and sellers face MSB registration questions that the platform label does not resolve.