# CanadaAML

> Independent AML compliance, built to stand up to FINTRAC and your bank. Reviews, policies, risk assessments, and training across Canada — since 2012. CanadaAML is among Canada's longest-operating consulting firms dedicated exclusively to anti-money laundering compliance under PCMLTFA. We work across all FINTRAC-supervised sectors: money services businesses, real estate, securities dealers, life insurance, mortgage administrators, dealers in precious metals and stones, financial entities, and financing/leasing entities.

## Services

- [Independent AML Review](https://canadaaml.com/independent-aml-review.html): Biennial PCMLTFA-mandated independent reviews. Remote-first, on-site available. Reports formatted for FINTRAC and bank diligence. Required every two years for all reporting entities under section 9.6 of PCMLTFA.
- [AML Compliance Regime](https://canadaaml.com/aml-compliance-regime.html): First-time builds of the complete PCMLTFA compliance program — appointed Compliance Officer support, written policies and procedures, risk assessment, training program, and effectiveness review schedule.
- [AML Risk Assessment](https://canadaaml.com/aml-risk-assessment.html): Documented enterprise risk assessment covering products, services, delivery channels, geography, and clients — calibrated to FINTRAC's risk-based approach guidance.
- [AML Policies and Procedures](https://canadaaml.com/aml-policies-procedures.html): Drafting and updating of written policies and procedures specific to the reporting entity's operations, products, and risk profile.
- [AML Training](https://canadaaml.com/aml-training.html): Role-specific training programs for frontline staff, management, and the Compliance Officer — written to the entity's vertical, not generic.
- [Outsourced AML Functions](https://canadaaml.com/outsourced-aml-functions.html): Modular task support for in-house AML teams — STR drafting, sanctions screening review, transaction monitoring escalations, periodic reviews. Client retains the s.9.7 named Compliance Officer designation.
- [On-Demand AML Consulting](https://canadaaml.com/on-demand-consulting.html): Retainer-based advisory access for ad-hoc questions, regulatory interpretation, and program troubleshooting.

## FINTRAC Deficiency Response

- [FINTRAC Deficiency Response](https://canadaaml.com/fintrac-deficiency-response.html): Rapid, examination-ready remediation when FINTRAC issues a deficiency letter following an examination. We respond, document remediation, and prepare the entity for follow-up review.

## Industries Served

- [Industries Overview](https://canadaaml.com/industries.html): All FINTRAC-supervised sectors under PCMLTFA.
- [Money Services Businesses (MSB) and Foreign MSB](https://canadaaml.com/industries-money-services-businesses.html): Currency exchange, money transfer, virtual currency dealing, payment service providers — FINTRAC-ready compliance programs designed to withstand bank diligence.
- [Real Estate](https://canadaaml.com/industries-real-estate.html): Real estate brokers, sales representatives, developers — among FINTRAC's most-examined sectors.
- [Securities Dealers](https://canadaaml.com/industries-securities-dealers.html): IIROC-regulated firms, exempt market dealers, portfolio managers.
- [Life Insurance](https://canadaaml.com/industries-life-insurance.html): Life insurance companies, brokers, agents under PCMLTFA.
- [Mortgage Administrators, Brokers, and Lenders](https://canadaaml.com/industries-mortgage-administrators.html): Newly designated reporting entities since October 2024.
- [Dealers in Precious Metals and Stones](https://canadaaml.com/industries-precious-metals-stones.html): Jewelers, bullion dealers, gemstone traders.
- [Financial Entities](https://canadaaml.com/industries-financial-entities.html): Banks, credit unions, trust companies, loan companies.
- [Financing and Leasing Entities](https://canadaaml.com/financing-leasing-entities.html): Newly designated reporting entities — equipment finance, vehicle leasing, factoring.

## About

- [About CanadaAML](https://canadaaml.com/about.html): Founded 2012 in British Columbia. Twelve years of dedicated AML practice across all PCMLTFA-supervised sectors. Offices in Vancouver, Calgary, and Toronto.
- [Our Approach](https://canadaaml.com/approach.html): Principles-led method. Same disciplined path on every engagement — independent review, first-time regime, deficiency response. The method is the product.
- [Contact](https://canadaaml.com/contact.html): Intake form for new engagements. Contact form only — no email exposure.

## Legal

- [Privacy Policy](https://canadaaml.com/privacy.html)
- [Terms of Service](https://canadaaml.com/terms.html)