Fractional MLRO, independent AML audit, 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 leadership and MSB registration support. Every service is built around the requirements of the PCMLTFA and FINTRAC's current examination standards.
FINTRAC effectiveness review — written report, severity-rated findings, remediation roadmap.
Senior MLRO expertise on a flexible basis — PCMLTFA reporting obligations covered.
Outsourced compliance officer for Canadian MSBs and PSPs — FINTRAC ready.
End-to-end FINTRAC MSB registration support — from application to first compliance review.
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Risk-based AML program design for Canadian businesses — PCMLTFA 5 pillars covered.
Strategic AML guidance from Canada-based specialists — FINTRAC examination prep.
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 evaluate the appropriate route based on 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 — not a generalist accounting firm, not a law firm, not a software platform. We focus on one thing: helping Canadian MSBs, PSPs, and fintechs stay compliant with FINTRAC.
We serve regulated businesses across Canada — Ontario, BC, Alberta, Quebec, and beyond. Remote-first delivery means no geographic limits.
Our services are built around Canadian AML law — not adapted from UK or US frameworks. We know FINTRAC's examination approach from the inside.
We work exclusively with the businesses FINTRAC focuses on most: MSBs, PSPs, VASPs, and fintechs. Not banks. Not insurance. Not accountants.
Every engagement includes a written audit report or deliverable — structured for senior management and suitable for regulatory purposes.
We do not just identify problems. We provide prioritised action plans and can support your team in implementing the fixes.
We work with Canadian businesses registered with FINTRAC as reporting entities — required to maintain an AML compliance program under the PCMLTFA.
Currency exchange, remittance, cheque cashing.
RPAA-regulated payment firms.
FINTRAC-registered virtual asset firms.
New FINTRAC obligation — April 1, 2025.
Finance and leasing companies are now subject to full FINTRAC AML obligations. If your business falls in this category, ComplyFactor can help you establish your compliance program and arrange your first independent review.
Bill C-12 introduced the most significant increase to FINTRAC penalties in Canadian history. Serious AML violations now carry fines of up to $4,000,000. FINTRAC's educational grace period ended April 1, 2026 — full examinations are now active across all regulated sectors.
Behind every regulated launch is a compliance program that holds up to scrutiny. We're proud to support the fintechs, PSPs and stablecoin issuers building real financial infrastructure — and to see their work recognised by the industry's leading publications.
Our Clients in the NewsMosta's MainUSD brings a fully-backed, multi-chain USD stablecoin to business payments — built for settlement, not speculation. A clear example of the kind of 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.
Each consultant brings years of experience from top-tier firms and global industries — united by one mission: clarity, strategy and measurable outcomes for every client.
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 — free, no obligation, 30 minutes.
