Canadian MSB AML Starter Kit — Complete FINTRAC Compliance Program (Word + Excel)

Registering a money services business with FINTRAC — or already registered and facing your first examination? FINTRAC requires every Canadian MSB to run a documented AML/ATF compliance program: an appointed compliance officer, written policies and procedures, a risk assessment, a training program, and a two-year effectiveness review. This kit is that program, written out in full — 18 branded, fully editable templates built around the PCMLTFA.

What's included (18 items):

• AML/ATF Compliance Program Manual — the master program document
• Compliance Officer Appointment Pack — appointment record, role charter, annual attestation
• Effectiveness Review Guide — the required two-year review, structured end to end
• KYC/CDD Procedures — ID verification methods, beneficial ownership, risk ratings, enhanced measures
• PEP/HIO & Sanctions Screening Procedure
• Transaction Monitoring Procedure — scenarios, red flags, alert and case handling
• STR Reporting Procedure — escalation to filing, deadlines, confidentiality
• Large Cash & EFT Reporting Procedure — LCTR/EFTR, the 24-hour rule, the travel rule
• Virtual Currency Procedure — LVCTR, travel rule, wallet screening
• Record-Keeping Procedure — the five-year retention standard
• Individual KYC & Risk Rating Form (Word)
• Corporate Client & Beneficial Ownership Form (Word)
• Staff AML Training Program — the written plan FINTRAC requires
• ML/TF Red Flags Quick Reference
• AML Risk Assessment Workbook (Excel) — 17 risk factors, automatic inherent/residual scoring
• Reporting & Compliance Registers (Excel) — STR, LCTR/EFTR/LVCTR, ID verification, and training logs with due-date helpers
• Copyright & Licence Terms
• Start Here Implementation Guide

Who it's for: Canadian money services businesses — money transmitters, foreign exchange dealers, virtual currency dealers, and agents — that need a complete, defensible compliance program without paying consulting rates to draft one from a blank page.

How it works: Download the ZIP, replace the [BRACKETED] placeholders with your organization's details, have senior management approve the manual, and follow the Start Here guide's implementation order. Every document carries professional formatting: document control, approval blocks, and review cycles built in.

Please note: Templates and general information, not legal advice. AML obligations vary by registration category, products, and province; confirm thresholds and deadlines against current FINTRAC guidance and have your program reviewed by qualified counsel before relying on it.

Copyright & licence: © 2026 Zee Consulting. All rights reserved. This product and everything in it is the intellectual property of Zee Consulting. Your purchase gives one named organization a licence to use and customize the documents for its own internal business — nothing more. The files must not be resold, shared, redistributed, sublicensed, or given to clients or any other organization, in original or modified form. Anyone who uses these materials without a licence is infringing copyright, and Zee Consulting reserves the right to pursue litigation and claim damages and legal costs to the fullest extent permitted by law. The full Copyright & Licence Terms are included in the download (Copyright_and_Licence_Terms.docx) and inside the Start Here guide.

Requirements: Microsoft Word and Excel (or compatible: Google Docs/Sheets, LibreOffice). Instant download after purchase — no shipping, no waiting.