CAMS Certified CPA Accounting FINTRAC Specialists Canada-Wide Precision. Protection. The AA+ Standard.
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AML risk assessments

A defensible, FINTRAC-aligned assessment of your full exposure — clients, products, delivery channels, geography, and technology — modelling inherent risk, the controls that mitigate it, and the residual risk that remains. The document that anchors your entire risk-based program.

Inherent vs ResidualRisk-Based ApproachClient & Geography RiskDefensible MethodologyBoard-Ready Report
The Obligation

The foundation every other control is built on

FINTRAC requires a documented risk assessment, and it expects your whole program to flow from it. A risk-based approach means nothing without a rigorous assessment underneath it. We evaluate the risk inherent in your business, score the effectiveness of the controls you already have, and arrive at a residual-risk rating you can defend to an examiner — and act on.

By the regulation
5Core risk categories assessed — products, clients, geography, channels, technology
Inherent → ResidualRisk modelled before and after the controls you have in place
Living documentRefreshed as your business, products, and client base change
Scope of Work

A full, structured view of your exposure

We assess risk across every category FINTRAC expects, score your existing controls, and translate the result into clear, prioritized direction.

Products, services & channels

Clients & business relationships

Geographic exposure

New technologies

Control effectiveness

Residual rating & recommendations

How We Work

From scope to a rating you can defend

STEP 01

Scope

We define the entities, lines of business, and channels in scope.

STEP 02

Data gathering

Interviews, transaction data, and client profiles inform the picture.

STEP 03

Inherent risk

We score risk before controls, across every category.

STEP 04

Control assessment

We test the mitigants you have in place for real effectiveness.

STEP 05

Residual risk

We rate what remains and prioritize it for action.

Precision. Protection.

Know exactly where your risk sits.

Book a free consultation and we’ll scope a defensible risk assessment for your institution — the foundation everything else is built on.