advisoryaicontact
FINTRAC Registration

from registration to fully compliant. we build your compliance program from the ground up.

A $300 FINTRAC agent-of-record package is a critical mistake. FINTRAC has explicitly warned against them. Here's what a real compliance program looks like — built end-to-end by people who've done it before.

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whothisisfor.

Whether you're launching a new MSB, entering the Canadian market from abroad, or migrating from another compliance provider, the requirements are the same — and cutting corners on any of them puts your registration at risk.

  • Pre-operational companies setting up a new MSB in Canada
  • Foreign companies establishing a Canadian MSB entity (including 100% non-resident owned)
  • Existing businesses adding money services to their operations
  • Companies migrating from another compliance provider who need a fresh program build

end-to-endscope.

We build all five pillars of FINTRAC compliance — from registration through to your first effectiveness review.

FINTRAC MSB registration

Full registration (or re-registration) with FINTRAC, including documentation preparation and submission. We handle the process end-to-end.

Complete compliance program build

All five FINTRAC pillars: compliance officer appointment, written policies and procedures, business-specific risk assessment, training program, and effectiveness review planning.

Comply+ platform setup

Transaction reporting infrastructure from day one. LCTRs, STRs, and EFTRs filed through Comply+ so your reporting is structured and accurate from the start.

Banking partner coordination

Many banks require compliance evidence before opening MSB accounts. We prepare the documentation and manage the relationship so your banking is in place when you launch.

whobuildsyourprogram.

has built compliance programs for regulated financial entities from the ground up, including at a publicly listed crypto company. He provides strategic oversight and regulatory positioning. handles the compliance program build — policies, procedures, risk assessment, training, and ongoing FINTRAC reporting oversight. For non-resident MSBs, having Canadian-based expertise is a major advantage for banking relationships and regulator interactions.
CPACFACAMS
Luke ThibodeauCPA · CFA · CAMSFounder and CEO

Luke is a finance and compliance operator who works hands-on with bitcoin-native companies, fintechs, and MSBs as a fractional CFO and CCO through Rockwell Advisory Group. As former CFO & CCO of Bitcoin Well (TSXV:BTCW), he built and ran the finance, compliance, and governance functions across a publicly listed, multi-entity crypto company from the ground up.

Today he brings that same operational depth to clients navigating treasury management, FINTRAC compliance, financial reporting, and corporate governance. Whether it's standing up a compliance program for a new MSB, managing multi-entity consolidations, or advising on AI strategy through Rockwell AI, Luke operates as an embedded member of the team rather than an outside advisor. He also founded Comply+, a RegTech platform automating FINTRAC reporting for Canadian MSBs, born directly from the pain points he encountered building compliance workflows by hand.

Charles KlineCAMSHead of Compliance

Charles leads compliance and risk for Rockwell Advisory Group, helping fintechs, MSBs, and payments companies build AML and KYC programs, tighten onboarding and monitoring, and stay aligned with FINTRAC and Canadian regulatory expectations. CAMS-certified, he works as an embedded operator: policies, controls, training, audit readiness, and the day-to-day execution that backs them up.

Previously he served as Compliance Officer and Director of Risk & Compliance at Peloton Technologies, running the enterprise AML program (including FCAC and RPAA), leading the RPAA roll-out for a large organization, training analysts on KYC, sanctions, and FINTRAC reporting, leading the first external Compliance Effectiveness Review, and rebuilding onboarding for FINTRAC KYC. Before that he was Head of Underwriting & Risk at Orchard Technologies, building PayFac-ready underwriting and AML frameworks and automated onboarding from early stage through Global Payments partnership. At Lightspeed Commerce (Payments), he scaled underwriting from a solo function to a global team of twenty across North America, EMEA, and APAC while keeping fraud losses below industry benchmarks.

Scope your compliance setup.

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