Fractional MLRO, independent AML audits and MSB compliance services for Canadian businesses registered with FINTRAC.
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ComplyFactor provides AML compliance services to regulated businesses across Canada, from independent FINTRAC effectiveness reviews to fractional MLRO support and MSB registration. Each service is built around the PCMLTFA and FINTRAC's published requirements.
FINTRAC effectiveness review with a written report, severity-rated findings and a remediation roadmap.
Senior MLRO expertise on a flexible basis, covering PCMLTFA reporting obligations.
Outsourced compliance officer for Canadian MSBs and PSPs, working to FINTRAC requirements.
FINTRAC MSB registration support from application through your first compliance review.
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Risk-based AML compliance program design for Canadian businesses under the PCMLTFA.
AML guidance from Canada-based specialists, including FINTRAC examination preparation.
ComplyFactor supports international entrepreneurs, investors and financial-services companies seeking to establish a presence in Canada's regulated financial sector.
Whether you are based in the UAE, India, Cyprus, Germany, Turkey, Ukraine or another market, we help you work out which route fits your business activities, ownership structure and Canadian regulatory requirements.
Explore available FINTRAC-registered Canadian MSB companies through our acquisition network. We help buyers evaluate registration status, corporate records, AML compliance risks and post-acquisition requirements before proceeding.
Get support assessing Canadian MSB or Foreign MSB registration requirements, preparing FINTRAC documentation and developing the AML compliance arrangements appropriate for your business.
We help international founders assess these factors before choosing an acquisition or new registration route.
We are a specialist AML compliance firm. Our work is helping Canadian MSBs, PSPs and fintechs meet their FINTRAC obligations.
We serve regulated businesses across Canada, including Ontario, BC, Alberta and Quebec. Delivery is remote-first, so location does not limit who we can work with.
Our services are built around the PCMLTFA and FINTRAC guidance, not adapted from UK or US frameworks. We prepare clients for FINTRAC examinations and test their programs against FINTRAC's published requirements.
We work mainly with MSBs, PSPs, virtual currency businesses and fintechs. Banks, insurers and accountants are outside our core focus.
Every engagement includes a written report or other deliverable, prepared for senior management.
We provide prioritized action plans for the problems we find, and we can help your team implement the fixes.
We work with Canadian businesses that are reporting entities under the PCMLTFA and must maintain an AML compliance program, including MSBs registered with FINTRAC.
Currency exchange, remittance, cheque cashing.
RPAA-regulated payment firms.
Virtual currency dealers registered with FINTRAC as MSBs.
Subject to PCMLTFA obligations since April 1, 2025.
Financing and leasing entities have been subject to PCMLTFA obligations since April 1, 2025. If your business is in this category, ComplyFactor can help you set up your compliance program and arrange your first independent review.
Since 26 March 2026, Bill C-12 has raised the maximum FINTRAC penalties to up to 40 times the previous limits. A serious violation can now carry a penalty of up to $4,000,000, and a very serious violation up to $20,000,000 for an entity.
We support fintechs, PSPs and stablecoin issuers with their compliance programs. Their launches have been covered by publications including Forbes, PYMNTS and Crypto News.
Our Clients in the NewsMosta's MainUSD is a fully backed, multi-chain USD stablecoin for business payments, built for settlement. It is an example of the regulated digital-asset infrastructure ComplyFactor helps bring to market.
Emerging from stealth with $250M in transaction volume, SquareFi connects business accounts, cards and crypto into one compliant rail for global money movement.
Zoth's partnership with Bakkt builds compliant stablecoin payment rails across high-volume US, South Asia, Middle East and Africa remittance corridors.
Our team combines compliance, regulatory and legal expertise across Canadian and international frameworks.
Stay current with FINTRAC regulations, PCMLTFA updates, and AML compliance guidance for Canadian MSBs and PSPs.
Tell us about your business and we'll confirm which services you need. The call is free, has no obligation and takes 30 minutes.
