yournamedcomplianceofficer.embeddedwithyourteam,notbillingfromadistance.
FINTRAC requires every MSB to appoint a compliance officer responsible for implementing the program. For most small MSBs, that means the founder is wearing the hat — and FINTRAC expects that person to actually know what they're doing.
thegap.
FINTRAC expects your compliance officer to have authority and resources to implement the program, working knowledge of your business structure and operations, understanding of sector-specific ML/TF risks and typologies, and fluency with PCMLTFA obligations. Most small MSB operators don't meet that bar — and FINTRAC is enforcing harder than ever.
- 86 MSB registrations revoked in Q1 2026 alone — many for program deficiencies
- Banks demanding compliance evidence just to keep accounts open
- Policies written at registration are almost certainly deficient by current standards
- Hiring a full-time compliance officer costs $120K+ before you add benefits and training
whatyouget.
A named, CAMS-certified compliance officer who serves as your CAMLO of record. Not a strategy deck — an embedded operator.
Named CAMLO on your FINTRAC registration
A designated Compliance Officer who serves as your primary FINTRAC point of contact — with the authority, knowledge, and CAMS certification that FINTRAC expects.
AML/ATF program design & maintenance
Written policies and procedures, quarterly reviews alongside management, and a documented risk assessment updated monthly internally and quarterly with your team.
FINTRAC reporting via Comply+
Transaction reporting handled through Comply+ — structured, accurate, and efficient. LCTRs, STRs, and EFTRs filed correctly and on time, every time.
Banking partner liaison
Banks increasingly demand compliance evidence to keep MSB accounts open. We handle the documentation, communication, and relationship management that keeps your banking intact.