How frontline staff spot, escalate and report suspicious activity under the PCMLTFA.
Intended audience
Who this course is assigned to. Currently: Operational staff
Lessons5
What makes a transaction suspicious
Rich text · 4 min read
Red flags in remittance
Video · 6 min
FINTRAC red-flag indicators
PDF · PDF · 12 pages
Interactive: spot the structuring
SCORM / xAPI · SCORM 1.2 · ~8 min
Assessment
Quiz · 5 questions · pass 80%
Rich text lesson
What makes a transaction suspicious
4 min read
Suspicion is not about a single dollar figure. A transaction is suspicious when something about it — the pattern, the behaviour, or the story behind it — doesn’t line up with what you’d expect for that customer.
Your job on the frontline is to notice the mismatch and pass it on. You are not deciding guilt; you are flagging what looks off so the compliance team can review it.
Inline image
Behaviour and pattern — not the amount alone
Key points
Look at behaviour and pattern, not just the amount
Compare activity to what you know about the customer