A dark records archive at night. Among thousands of grey files, one carries a red tab.

FINTRAC compliance automation

Clear the backlog before the audit finds it.

Somewhere in your files is the one the examiner asks for. Our AI systems clear the pile, then automate the work that produced it.

Run the readiness check Why not contractors

Twelve questions, about a minute. No email gate.

Plate 1 · Illustrative

STR · Suspicious transaction reportAs soon as practicableLCTR · Large cash transaction report15 calendar daysEFTR · Electronic funds transfer report5 business daysLVCTR · Large virtual currency transaction report5 working daysREVIEW · Effectiveness reviewEvery two yearsSTR · Suspicious transaction reportAs soon as practicableLCTR · Large cash transaction report15 calendar daysEFTR · Electronic funds transfer report5 business daysLVCTR · Large virtual currency transaction report5 working daysREVIEW · Effectiveness reviewEvery two years

Built for

Money services businessesCrypto and virtual currencyPayments and fintechMortgage and real estateCredit unions

01How a backlog becomes a fine

A gap does not become a penalty quickly. It takes about fourteen months, and most of them are quiet.

Month0

A few reviews slip.

Volume is up, the team is the same size, and nobody keeps a list of what is overdue.

Month9

The overdue pile is hundreds of files.

Reviews, rescreening and filings, all waiting on people who have other jobs too.

Month14

FINTRAC schedules your examination.

You get the notice. The pile is still there.

Week1

The examiner asks for the overdue list.

Not your policy manual. The actual client files, with dates.

Week3

You cannot produce it. That is the finding.

Since March 2026 the law asks whether your program works in practice, not whether it exists on paper.4

02The penaltyIn force 26 March 2026

0×

Maximum penalties rose up to forty times on 26 March 2026.

Bill C-12 rewrote the framework.1 It also gave FINTRAC compliance orders, and a compliance agreement is now required in every case where a penalty is imposed. The previous maximum for a single very serious violation by an entity was $500,000, and violations stack past it.2

Every penalty is published with the entity named.3 That is the part your banking partners read.

An overhead view of a desk of documents with a rubber stamp and red ink pad. — **A penalty is a public document. So is the entity's name on it.**Plate 2

03Where you are

You are somewhere on that timeline right now. There are two ways off it.

Option A

Hire contractors

Three analysts, eight weeks, the queue empties, they leave. Nothing about the process that filled it has changed, so it fills again. Most teams see it rebuilding within two quarters.

When that is still the right call

Option B

Automate the clearing

Our AI systems analyze the queue and clear it, then the recurring work runs on its own and the evidence attaches as it goes. Your team keeps every judgment call.

How the engagement runs

A desk covered in printed reports and binders, lit by a single lamp in a dark office. — **The eight week engagement ends. The desk does not.**Plate 2

04What you get

One document: every obligation, its state, and the evidence behind it.

An examiner asks what your program does and whether you can prove it. This is the answer, and it is rebuilt as the underlying facts change rather than written once.

Compliance program statusIllustrative · 11 September 2026

Risk assessmentrev 4 · 02 Sep 2026Current

Periodic reviews0 overdue of 1,284 filesCurrent

Sanctions and PEP rescreeningdaily · last run 11 Sep 2026Current

Reporting deadlines0 filed outside the window, 12 monthsMet

Training records41 of 41 obligated personsCurrent

Effectiveness reviewlast 14 Feb 2025 · next Q1 2027Scheduled

Before the work, those same six lines read: 18 months old, unknown, ad hoc, three filed late, twelve missing, overdue. No client data appears on this site.

05Working with us

Who you are hiring, and what we will not put on this site.

We have carried a program, not just built software for one.

Our team has operated inside Canadian money services businesses under the FINTRAC regime, carrying the obligations rather than advising on them from outside. And we build the AI systems that do the analysis, which is the half of this problem compliance consultancies do not have.

You will not find a client logo on this site.

The companies we work with are regulated. Their volumes, their gaps and the fact that they needed help are not marketing material. Ask for references on a call and we will ask that client first. Every figure here is public record with a citation, or marked illustrative.

Find out what an examiner would find.

Twelve questions, about a minute. Your gaps, and one thing to do about each this week.

Run the readiness check

It runs in your browser. There is no email gate, and nothing is sent anywhere unless you ask for it at the end.

ReferencesVerified 11 September 2026

FINTRAC. Administrative monetary penalties: changes following legislative amendments
FINTRAC. Administrative monetary penalties policy
FINTRAC. Penalties for non-compliance
FINTRAC. Modernization and upcoming changes impacting reporting entities
FINTRAC. Compliance program requirements
FINTRAC. Reporting suspicious transactions to FINTRAC