Nine specialist practice areas covering the full spectrum of anti-financial crime advisory — from compliance program development to forensic investigation, AML training, and remediation.
FINTRAC requires all reporting entities to conduct an independent review of their AML compliance regime at least every two years. C&G provides rigorous, unbiased assessments that satisfy this regulatory obligation — and deliver genuine intelligence to strengthen your program before an examiner does.
Our reviewers assess your program against the same criteria FINTRAC examiners use, identifying gaps and recommending corrective action before they become costly findings. We have conducted independent reviews for major banks, credit unions, MSBs, crypto exchanges, law firms, and real estate brokers across Canada.
Every regulated business needs a documented AML compliance program. C&G designs and develops programs that are regulatory-grade, practical to operate, and genuinely tailored to how your business works — not generic templates.
Our development service delivers the full documentation suite your business needs: from enterprise-wide risk assessment through to policies, procedures, and training materials. Whether you are a first-time registrant or overhauling an outdated framework, we produce documentation that is defensible under FINTRAC scrutiny.
Documentation alone is not compliance. C&G's implementation service takes your compliance program from paper to practice — embedding it into your operations, systems, and culture so that it functions as a genuine control, not a filing cabinet exercise.
We work alongside your team to operationalise every element: recommending and onboarding compliance technology vendors, building in-house tools and workflows, advising on system integrations, and guiding the rollout of controls across your organisation.
Any business that provides money services in Canada — including foreign exchange dealing, funds transfer, cheque cashing, virtual currency dealing, or issuing or redeeming money orders — must register as a Money Services Business with FINTRAC. Failure to register is a criminal offence under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act.
C&G manages the full MSB registration process from eligibility assessment through to confirmation of registration — ensuring your application is accurate, complete, and accompanied by the compliance foundation FINTRAC requires.
The Retail Payment Activities Act (RPAA) requires Payment Service Providers — businesses that perform end-user funds holding or payment processing activities — to register with the Bank of Canada. This regime is separate from FINTRAC MSB registration and carries its own compliance obligations, including operational risk and fund safeguarding requirements.
C&G advises businesses on RPAA applicability, prepares all required registration documentation, and guides clients through the Bank of Canada's registration process — while simultaneously establishing the operational risk and safeguarding frameworks required under the Act.
A FINTRAC examination is one of the most consequential regulatory events your business will face. C&G ensures you are fully prepared — with a comprehensive readiness assessment, targeted remediation, and hands-on support throughout the examination itself.
We have guided businesses across Canada — including major banks' AML departments, MSBs, crypto exchanges, and law enforcement-adjacent organisations — through FINTRAC examinations. Our experience on both the advisory and compliance sides means we understand exactly what examiners are looking for and how to present your program in the strongest possible light.
When fraud occurs or financial crime is suspected, you need investigators who combine financial expertise with investigative rigour. C&G's forensic team conducts thorough, evidence-based investigations that stand up to legal scrutiny and support asset recovery.
We work with businesses, legal counsel, insurers, and law enforcement agencies across Canada — providing the forensic intelligence that drives decisions, litigation, and recovery. Our investigators have worked on financial crime matters involving major Canadian institutions and law enforcement agencies at the federal and provincial level.
FINTRAC requires every reporting entity to maintain an ongoing employee training program as part of their AML compliance regime. C&G designs and delivers practical AML and anti-terrorist financing (ATF) training that satisfies this regulatory requirement — and genuinely equips your staff to identify and respond to financial crime risk.
Our training programs are tailored to your industry, your risk profile, and the specific roles of your employees. We deliver training in-person, virtually, and as written curriculum your team can deploy independently — with all sessions documented for compliance record-keeping purposes.
When FINTRAC issues an adverse finding, a Notice of Violation, or an Administrative Monetary Penalty, the clock starts immediately. C&G designs and executes structured remediation programs that address deficiencies systematically — satisfying regulator expectations while strengthening your program for the long term.
Lookback exercises are required when a reporting entity identifies historical gaps in transaction reporting, KYC records, or STR filings. Our specialists conduct thorough lookback reviews, assess the scope of the gap, and manage the voluntary self-declaration process with FINTRAC where appropriate — a step that can significantly reduce regulatory exposure.
Book a complimentary discovery call. We will assess your needs and recommend the right approach.
