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Armoured car companies that transport currency, money orders, traveller's cheques, or other negotiable instruments became subject to PCMLTFA requirements as of July 1, 2024. Most operators have never dealt with these obligations before.
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If you transport currency or negotiable instruments, you now face the full suite of FINTRAC obligations — registration, compliance program, named compliance officer, and reporting. These aren't optional, and the first effectiveness review deadline is approaching fast.
- FINTRAC MSB registration required (if not already completed)
- A named compliance officer (CAMLO) responsible for implementing the program
- Written AML/ATF policies and procedures
- Documented risk assessment and ongoing training for staff
- LCTR and STR filing for shipments involving $10,000+
- Record keeping for a minimum of five years
- Independent effectiveness review due within two years of go-live — mid-2026 for most
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End-to-end compliance for armoured car operators navigating PCMLTFA requirements for the first time.
Named compliance officer (CAMLO)
A CAMS-certified compliance officer on your FINTRAC registration with the authority and knowledge to implement and maintain your AML/ATF program.
Full compliance program build
Written policies and procedures, documented risk assessment, and a training program for staff — everything FINTRAC requires, tailored to armoured car operations.
FINTRAC reporting via Comply+
Filing reports when shipments involve $10,000+ (LCTRs, suspicious transactions) through the Comply+ platform. Structured, accurate, and on time.
Effectiveness review preparation
Your first independent effectiveness review is due within two years of go-live — mid-2026 for most armoured car companies. We prepare and coordinate the entire process.