Comply+ is how entities prepare and submit reports to FINTRAC.
Front-line staff spot suspicious activity every day. Your internal policies govern how that gets escalated.
Comply+ handles what comes next.
Upload transaction data in bulk, review reportable activity, and submit directly to FINTRAC’s API—no FWR login—with AI-assisted STR drafting.
Under the PCMLTFA, the legal obligation to report to FINTRAC rests with the reporting entity, not individual employees.
In practice:
Your role is to recognize indicators and escalate internally according to your employer’s procedures.
Comply+ is not an employee ticketing tool.
It is the reporting platform where compliance teams upload data, prepare reports, and submit directly to FINTRAC’s API—without logging into FWR—with AI-assisted STR drafting.
You should escalate when you have reasonable grounds to suspect a transaction is related to money laundering or terrorist financing.
You do not need proof or to investigate. You need to recognize indicators and escalate.
Common indicators include:
You must not tell a client or third party that a report was or may be filed with FINTRAC, or that a transaction is under suspicion in connection with money laundering or terrorist financing. These rules apply to individuals—do not hint, warn, or discuss concerns outside proper internal channels.
After internal review determines that a report is required, the reporting entity must file with FINTRAC. Comply+ is built for that step:
Bulk data upload
Load transaction data (e.g. CSV) to identify reportable activity and generate draft reports.
Direct API submission
Comply+ sends filings to FINTRAC via API—no need to log into FWR for each submission.
AI-assisted STR drafting
aiSTR™ helps surface suspicious activity and draft narratives; your compliance team reviews and decides what is filed.
Internal escalation is governed by your program.
Comply+ is the platform for preparing and submitting what the entity is required to file with FINTRAC.
FINTRAC enforcement is intensifying. Recent penalties demonstrate that compliance failures result in significant financial consequences, with Bill C-2 increasing maximum penalties to $20 million for entities.
FINTRAC has imposed significant Administrative Monetary Penalties (AMPs) for compliance failures across multiple sectors.
December 2025 — Toronto, Ontario
Multiple compliance failures including no effective compliance regime, no proper risk assessment, and failures to submit EFT and LCT reports.
Read case studyDecember 2025 — Foreign MSB (Seychelles)
Failed to submit STRs for transactions with exposure to darknet marketplaces, sanctioned entities, and child sexual abuse material.
Read case studyOctober 2025 — British Columbia
2,593 violations including 1,068 unreported STRs, 1,518 unreported LVCTRs, and failure to comply with Ministerial Directive on Iran.
Read case studySeptember 2025 — Foreign MSB (Seychelles)
Unregistered foreign MSB, 2,952 unreported LVCTRs, and 33 unreported STRs linked to darknet marketplaces and illicit chemical trade.
Read case studyUnder Bill C-2 (tabled June 2025), maximum Administrative Monetary Penalties would increase dramatically:
A platform for preparing and submitting FINTRAC reports: batch upload, submission through FINTRAC’s API (no FWR login), and AI-assisted STR drafting—your team stays in control of what gets submitted.
After you prepare reports in Comply+, filings go to FINTRAC through FINTRAC’s API—no need to log in to FWR for each submission.
Import transactions (e.g. CSV) to detect reportable activity and build drafts. Built for teams that run reporting from batch data, not for replacing your internal escalation policies.
aiSTR™ supports suspicious-transaction workflows with AI-assisted flagging and narrative drafting. Your compliance staff review and approve before Comply+ submits through FINTRAC’s API.
Batch upload into Comply+, submission via FINTRAC’s API (no FWR login), and AI-assisted STR—focused on filing with FINTRAC, not on replacing your internal escalation process.
You batch upload and build reports in Comply+; Comply+ submits to FINTRAC’s API—no FWR login required for each filing.
Where your environment supports it, automate recurring report types from connected data. STRs still follow your review process.
Upload transaction batches to detect reportable activity and generate drafts for the FINTRAC report types you use.
AI-supported flagging and STR narrative drafting; compliance reviews and approves before Comply+ submits through FINTRAC’s API.
Keep customers and locations in Comply+ so report fields populate consistently when you build and file submissions.
Save drafts—including STR narratives—and track submission status tied to FINTRAC receipt where available.
Attach STR details to existing LCTR, LVCTR, EFTR, or CDR flows when your scenario requires both.
Risk Detection Settings
Recommended STR filing
We’re extending AI-assisted STR support—still with human review before Comply+ submits through FINTRAC’s API. Details will ship when they’re ready; get notified if you want updates.
Richer AI support for STR narratives and risk indicators
More control over how aiSTR scores and surfaces activity for compliance review
Ongoing improvements to accuracy and review ergonomics
In 30 minutes, see how the entity uses Comply+ after internal escalation: batch transaction data, draft reports, AI-assisted STR narratives your team reviews, and submission through FINTRAC's API without logging into the Web Reporting System (FWR) for each filing.
Upload a CSV or connect your system and see how Comply+ helps surface reportable activity for LCTR, LVCTR, EFTR, and CDR workflows.
See how aiSTR™ supports narrative drafts and how your compliance team reviews and decides what is filed.
Follow submission through FINTRAC's API and where confirmations and status live in Comply+.
Enter your work email. We will open the calendar to schedule your demo.
Disclaimer
This page is provided for general informational purposes only and reflects our interpretation and opinions based on publicly available information at the time of writing. It does not constitute legal advice, financial advice, regulatory guidance, or a substitute for professional counsel. Reporting entities and businesses subject to FINTRAC obligations should consult qualified legal and compliance advisors before making decisions relating to FINTRAC, AML obligations, or compliance requirements.