Regulatory Compliance

OTT Financial complies with the following legislation and regulatory requirements:

• Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA)
• FINTRAC guidance and reporting obligations
• Other applicable federal and provincial financial regulations

We maintain all required registrations, reporting practices, and internal controls as part of our MSB obligations.

Anti-Money Laundering (AML) and Anti-Terrorist Financing (ATF)

We have established a robust AML/ATF compliance program that includes:

• Risk-based policies and procedures
• Ongoing transaction monitoring
• Record-keeping and reporting to FINTRAC
• Independent reviews and internal audits
• Annual compliance training for employees
• Designated Compliance Officer responsible for oversight

Our program is designed to detect, prevent, and address potential risks related to money laundering, terrorist financing, and other financial crimes.

Know Your Client (KYC)

To ensure regulatory compliance and the security of our services, OTT Financial conducts:

• Identity verification
• Enhanced due diligence (EDD) where required
• Ongoing monitoring of customer activity
• Screening against applicable sanctions and watch lists

We may request additional documentation to confirm a client’s identity, occupation, or the source of funds as required by law.

Data Security and Confidentiality

We protect client information through a combination of physical, administrative, and technological safeguards, including:

• Secure data storage and encryption
• Controlled access for authorized personnel only
• Continuous monitoring and security updates
• Requirements for third-party service providers to maintain equivalent protections

All Personal Information is managed in accordance with applicable privacy laws and our Privacy Policy.

Consumer Protection

We strive to provide transparent and fair services. This includes:

• Clear disclosures of fees and service terms
• Secure handling of transactions
• Responsive customer service
• Procedures for addressing complaints or concerns

Clients may contact us with questions or feedback regarding our compliance practices.

Ongoing Commitment

Regulatory requirements evolve and industry best practices continue to develop. OTT Financial is committed to regularly reviewing and updating our compliance program to ensure ongoing adherence to legal obligations and the highest standards of financial integrity.

Contact Information

For questions or inquiries regarding compliance, please contact: