From framework architecture to regulatory auditing and reporting, we deliver actionable guidance grounded in FINTRAC, OSFI, and provincial standards.
We specialize exclusively in the compliance landscape where you operate. Every engagement is grounded in firsthand regulatory and institutional experience.
We specialize exclusively in Canada's federal and provincial compliance landscape. FINTRAC, OSFI, and provincial frameworks aren't generic — neither are our solutions.
Our team has worked inside financial institutions. We understand your constraints, your systems, and your regulatory relationships in ways external consultants often miss.
We track audit findings, regulatory feedback, and staff confidence. Our success is reflected in your clean examination results and internal audit recommendations.
Regulatory standards evolve. We provide continuous guidance on new FINTRAC directives, OSFI updates, and emerging risks relevant to your institution.
Three foundational service pillars designed to address every dimension of your regulatory obligations.
Build or modernize your compliance infrastructure with documented policies, procedures, governance structures, and risk controls tailored to your institution's size and complexity.
Deep-dive audits of your customer due diligence, ongoing monitoring, and transaction controls. We verify compliance against FINTRAC guidance and identify risks before regulators do.
End-to-end support for FINTRAC filings, OSFI disclosures, and provincial financial reporting. Accuracy verification, audit trail documentation, and submission management.
Every engagement follows a documented methodology designed to produce clear, audit-ready outcomes at each milestone.
We define your compliance objectives, regulatory priorities, and timeline. This includes understanding your current systems, risk profile, and audit history.
Detailed review of existing policies, procedures, transaction controls, and customer files. We identify gaps against FINTRAC expectations and OSFI standards.
Practical, documented recommendations with clear implementation guidance. We prioritize by regulatory impact and resource requirements.
We guide your team through rollout, verify completion, and provide staff training to ensure sustainable compliance.
Scheduled check-ins, quarterly compliance updates, and readiness assessments ahead of regulatory examinations.
Real feedback from compliance officers, operations directors, and CCOs across Canadian institutions.
The compliance framework they designed gave us a clear governance structure and staff confidence. We passed our recent FINTRAC examination with zero findings.
"Their AML audit was thorough and practical. They didn't just find problems — they showed us exactly how to fix them and why each step mattered for FINTRAC."
"We use Legalitas for ongoing regulatory reporting support. It's freed up our team to focus on customer service while maintaining our audit-ready documentation."
"The compliance framework they designed gave us a clear governance structure and staff confidence. We passed our recent FINTRAC examination with zero findings."
When regulatory examination results matter, specialization makes the difference.
| Capability | Legalitas Compliance | General Consultant |
|---|---|---|
| FINTRAC-specific AML expertise | ✓ Deep specialist | Generalist only |
| OSFI regulatory return support | ✓ End-to-end | Varies |
| Inside-institution experience | ✓ All senior staff | Rarely |
| Examination readiness prep | ✓ Core service | Ad hoc |
| Ongoing regulatory monitoring | ✓ Quarterly updates | Not included |
| Zero-finding track record | ✓ 0 findings | Not tracked |
Everything you need to know before starting an engagement with us.
Legalitas Compliance Ltd was founded in Montreal to serve a gap in the Canadian market: compliance advisory that truly understands how financial institutions operate from within, not just from the outside looking in.
Our senior team has direct experience working inside the compliance functions of credit unions, investment dealers, and mortgage brokers — meaning we understand the pressures, systems, and regulatory relationships our clients face.
Whether you need a full framework review, targeted AML audit, or ongoing reporting support — we start with a focused consultation to define the right scope for your institution.
No obligation. We provide a scope and estimate before any engagement begins.