Common AML program failures for Canadian MSBs
The compliance program failures that most frequently produce FINTRAC findings are structural, not incidental — and most are preventable.
FINTRAC enforcement case study
How enforcement outcomes can inform fintech compliance design, governance, and operational evidence.
FINTRAC enforcement outcomes are useful market intelligence because they show where documented policies are not enough. Operational evidence, monitoring, training, escalation, reporting, and periodic review all matter.
What fintech teams should study
Penalty themes can help teams pressure-test whether their controls are implemented, not merely drafted. The most useful question is often whether the company can show how the compliance program works in live operations.
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View All Posts »Documentation matters more than policy language
In a FINTRAC examination, the records that show how the compliance program runs carry more weight than the policies that describe it.
Suspicious transaction reporting: when legal triage is needed
The STR decision turns on reasonable grounds to suspect, not proof — and the line between a compliance decision and a legal one is not always obvious.
Transaction monitoring gaps in fintech compliance
The monitoring gaps most likely to produce FINTRAC findings are not technology failures — they are documentation and design failures.