FINTRAC compliance program design
Every reporting entity under the PCMLTFA must maintain a documented compliance program built on five mandatory pillars. We design yours end to end — scoped to your sector and risk profile, fully documented, and ready for a FINTRAC examination from day one.
A program isn’t optional — and a template won’t survive an exam
Under Canada’s Proceeds of Crime (Money Laundering) and Terrorist Financing Act, every reporting entity must appoint a compliance officer, maintain written policies and procedures, complete a risk assessment, deliver ongoing training, and submit to an independent effectiveness review at least every two years. FINTRAC examiners test all five — and generic, off-the-shelf templates routinely fail. We build a regime around how your business actually operates.
Everything a complete regime requires
We assemble all five pillars into one coherent, documented program — not a binder of disconnected templates, but a regime that works the way your business does.
Compliance officer & governance
Written policies & procedures
Enterprise risk assessment
Reporting workflows
Training plan
Two-year review schedule
From discovery to a program you can run
Discovery
We map your business model, products, clients, and delivery channels.
Gap analysis
We measure your current state against every PCMLTFA obligation.
Design
We build the five-pillar regime around your operations and risk.
Documentation
Every policy, procedure, and workflow — examination-ready.
Implementation
We embed the program and train your team to operate it.
Ready to build a program that holds up?
Book a free 30–45 minute discovery call. We’ll assess your gaps against all five pillars and scope a regime tailored to your institution.