AML Compliance for Western Canada
FINTRAC doesn’t wait.
Your compliance program shouldn’t either.
Soteria Protection helps BC, Alberta, Saskatchewan, and Manitoba businesses build risk assessments and AML policies that meet FINTRAC requirements — without the cost of a full-time compliance team.
FINTRAC enforcement is accelerating. In 2024–25, FINTRAC issued 23 notices of violation worth more than $25 million — including penalties against accounting firms, real estate brokerages, and credit unions. Overwhelmed and don’t know where to start- we can help you build a tailored AML compliance program.
What we do
Two services. One integrated compliance foundation.
Most businesses don’t need a dozen compliance products. We can help you build a FINTRAC approved program.
FINTRAC risk assessments
We conduct a structured interview, assess your inherent and residual risk, and deliver a documented, audit-ready risk assessment aligned with Canada’s National Inherent Risk Assessment.
How it works
No generic templates. We build customized AML policies and step-by-step procedures that reflect your actual business model — and that staff can actually follow.
How it works
Clear, efficient, and built around your business.
Complimentary consultation
We start with a no-cost call to understand your business, your obligations, and whether you’re a reporting entity. No jargon, no pressure.
Structured risk assessment interview
A focused 90-minute session covering your products, clients, delivery channels, and geographic exposure. We do the analysis — you get the documentation.
Custom policies, procedures, training & reviews
Using your risk assessment findings, we draft AML policies and operational procedures tailored to your business — ready for FINTRAC review. We can help design a training plan and program and complete your 2 year effectiveness review.
Ongoing support as regulations evolve
FINTRAC guidance changes. We keep your program current — updating risk assessments every two years or whenever your business model shifts.
Why Soteria Protection
Fractional compliance expertise — without the overhead.
Hiring a full-time compliance officer is expensive. Soteria Protection gives you access to experienced AML professionals on a fractional basis — you pay only for what you need, when you need it.
Who we support
Overwhelmed by FINTRAC? We can help.
Soteria Protection works with regulated Canadian businesses across Western Canada, including:
Accounting & CPA firms
Real estate professionals
Money services businesses
Mortgage brokers & lenders
Real estate professionals
Fintech companies
Dealers in precious metals
BC Notaries
Our team
Compliance professionals who have lived it operationally.
Soteria’s founders built and ran compliance programs inside real organizations. We understand that compliance must function under commercial pressure — not just on paper.
Penny Robertson
Director of Operations & Client Engagement
Darci Greenfield
Director of Compliance, Risk & Governance
Case study
We have helped multiple CPA clients understand their obligations and build their AML compliance programs in less than 3 weeks.