When regulatory expectations rise, businesses need more than templates and checklists, they need an AML advisor who combines regulator experience, pragmatic delivery and ongoing accessibility. Platino Consulting provides senior AML advisory services that help organizations design, operate and defend AML programs that are risk-based, audit-ready and budget-sensible.

We work with: MSBs, fintechs & VASPs, payment service providers, real-estate brokerages, dealers of precious metals & stones, mortgage brokerages, and other reporting entities or businesses required to meet Canadian AML/ATF obligations.

What an AML Advisor does

An AML Advisor is your strategic partner for compliance: they help you interpret the PCMLTFA/FINTRAC guidance, apply it to your business model, build effective controls, and respond confidently to regulatory examinations or notices. Typical advisory outputs include policy and procedure design, risk assessments, training, independent testing, remediation plans, and acting as a fractional MLRO or signatory when required.

Competitors publish these services, but often stop at delivering documents. We deliver outcomes: operational workflows, tech integrations, ongoing governance and a named senior advisor who is reachable when it matters.

Common market gaps we solve

From reviewing leading firms, three gaps recur:

1. Senior signatory & live regulatory support — Many firms deliver reports but do not provide a named, experienced signatory or on-call regulatory defender to review urgent notices. We offer fractional MLRO services with signatory review options and emergency regulatory response support.

2. Vendor-agnostic tech advisory + integration — Competitors sometimes push preferred vendors or provide limited tech advice. We design vendor-neutral selection frameworks, integrate monitoring & screening tools, and map alerts and KYC flows back to your operational systems.

3. Proactive regulatory horizon scanning — Most providers respond to rule changes; few translate them into prioritized action roadmaps with board-ready briefings. We monitor FINTRAC, OSFI, BoC and provincial guidance and deliver concise regulatory impact memos and implementation plans.

4. Integrated remediation & remediation guarantees — Backlog projects are often slow and produce poor documentation. We combine project management, analyst teams, and audit-ready deliverables with service-level targets (e.g., EFTR/STR remediation sprints with delivery guarantees).

Who should engage an AML Advisor?

• New or existing MSBs and PSPs launching services in Canada.

• Fintechs and VASPs requiring dual AML + payments advice.

• Real-estate brokerages or dealers in precious metals expanding compliance programs.

• Organizations facing an inquiry, notice, or FINTRAC examination.

• Any company without a full-time MLRO wishing to use a fractional, experienced signatory.

FAQ

Q: What’s the difference between an AML consultant and an AML advisor?
A: A consultant typically delivers specific outputs (policies, reviews). An AML Advisor acts as an ongoing strategic partner — providing governance, signatory review, regulatory response and operational continuity.

Q: Can you act as our MLRO or sign STRs?
A: We offer fractional MLRO services. Signatory authority is documented in an engagement agreement and varies by package; we’ll discuss your governance needs and sign-off framework during onboarding.

Q: How quickly can you help with an urgent FINTRAC request?
A: We offer emergency response within 24 hours for retained clients and a 48–72 hour turnaround for new clients (depending on document availability).

Q: Do you work with our existing AML tech?
A: Yes. Our approach is vendor-neutral — we tune, integrate and, if necessary, recommend alternatives based on cost, functionality and data residency.

Q: How do you protect our client data?
A: We follow PIPEDA-aligned practices, use encrypted storage, role-based access controls and can host data within Canada if required.

Contact us for 30-minute AML Advisory Discovery Call and a complimentary one-page AML Health Snapshot for your business.