When alerts overwhelm your team, remediation backlogs grow, or you lack the senior expertise to sign STRs/EFTRs with confidence, outsourcing is the pragmatic choice. Our Transaction Monitoring as a Service (TMaaS) and wider AML managed services let Canadian businesses reduce cost, shore up regulatory defenses and stay inspection-ready.

We work with MSBs, fintechs, VASPs, real-estate firms, precious-metals dealers and other high-risk sectors that must meet FINTRAC and other Canadian supervisory expectations.

Problems That Platino Consulting Solves

1. Too many false positives, not enough actionable alerts. Many firms deliver raw alerts but fail to reduce investigator workload.
   Our fix: human-first triage + monthly rule tuning to reduce noise and surface higher-quality cases.

2. Vendor lock-in and one-size-fits-all implementations. Some competitors push a single TM vendor and limited integration options.
   Our fix: vendor-agnostic integrations (Verafin, Actimize, SAS, NICE, ComplyAdvantage or in-house systems) and custom mapping to your transaction schema.

3. No senior signatory support for complex filings. Junior analysts cannot replace an experienced MLRO for STR/LCTR/LVCTR/EFTR sign-offs.
   Our fix: fractional MLRO / managed signatory support, seasoned officers who can review cases and liaise with regulators.

4. Remediation projects take too long and lack auditability. Backlogs rot for months with inconsistent documentation.
   Our fix: project-managed remediation sprints (Kanban), detailed evidence bundles, and a 30/60/90-day delivery roadmap.

5. Limited crypto/chain forensics. Standard transaction monitoring misses chain-hopping and mixer activity.
   Our fix: blockchain tracing, wallet clustering, travel-rule analysis and forensic summaries for filing and law-enforcement use.

6. Opaque pricing & unclear SLAs. Clients want cost-predictable alternatives to hiring a full in-house team.
   Our fix: transparent tiered pricing (SMB, Growth, Enterprise), per-alert overage bands, and measurable SLAs.

Our Core Services

End-to-end Transaction Monitoring as a Service (TMaaS)

• Real-time monitoring or near-real-time based on your architecture.

• Rules & scenario engines tuned to your business model (payments, remittances, wallets).

• Automated case creation into your or our case-management system.

• Monthly performance tuning and monthly KPI reporting.

Alert Triage & Investigations

• First-line analyst triage to validate alerts and reduce investigator caseload.

• Senior analyst investigations for complex cases, including beneficial-ownership analysis and source-of-fund checks.

• Case write-ups formatted for regulatory review with decision rationale.

Sanctions Screening & Watchlists

• Real-time screening (OFAC, UN, Canadian lists, EU, UK, and custom lists).

• PEP, adverse media and beneficial-owner screening.

• Documented escalation workflows and false-positive reduction methods.

Enhanced Due Diligence (EDD) & Forensics

• Deep EDD: corporate structure mapping, third-party validation, adverse-media analysis.

• Blockchain analytics: address clustering, mixer detection, chain-hopping visualizations and trace reports.

• Forensic reports suitable for regulatory filings and legal proceedings.

Remediation & Backlog Clearance

• Rapid remediation sprints (data ingestion, dedup, triage, filing) with daily progress dashboards.

• Audit-ready deliverables: case bundles, CSV exports, and executive remediation reports.

• Root-cause analysis and permanent rule changes to prevent recurrence.

Managed MLRO / Fractional Compliance Officer

• Designated senior officer for case signoffs, regulatory correspondence and governance.

• Regular program reviews, board/committee briefings and remedial oversight.

Reporting & Filing Support

• STR, EFTR, LVCTR drafting assistance and review packages.

• Regulatory response support, remediation plans and mock exam preparation.

Technology & Integration

• Vendor-agnostic: integrate with Verafin, NICE Actimize, SAS, ComplyAdvantage, in-house systems or data lakes.

• Secure connectivity: API, SFTP, or secure VPN integration.

• Data residency: Canadian hosting options available; privacy controls aligned with PIPEDA.

• Audit logging: immutable trails of analyst decisions, attachments and escalation steps.

Frequently Asked Questions

Q: Can you work with our existing monitoring vendor?
A: Yes. We are vendor-agnostic and integrate with most major platforms via API, SFTP or direct DB feeds.

Q: Will you file STRs on our behalf?
A: We prepare filings and provide a sign-off package. Final filing requires your authorized signatory unless you retain our fractional MLRO who can sign under agreed authority.

Q: What if my business has crypto flows?
A: We offer blockchain forensics, travel-rule analysis, and integration with on-chain analytics vendors to trace virtual-asset flows.

Q: How quickly can you clear a backlog?
A: Depends on volume and data quality; small backlogs may be cleared in weeks, larger ones typically 6–12 weeks with continuous sprints and parallel processing.