Fractional​/Compliance Officer FINTRAC​/PCMLTFA

CCA Financial is seeking a senior Canadian compliance professional to help finalize implementation of its AML/ATF compliance program and provide ongoing oversight under FINTRAC requirements applicable to financing/leasing entities.

This is not a greenfield policy build. CCA has already completed significant foundational work, including policies and procedures, risk‑rating methodology, and supporting compliance templates. The focus of this role is to validate, operationalize, and run the program in practice.

We are specifically looking for a contractor who will serve as the formally appointed Compliance Officer.

• review CCA’s existing AML/ATF framework and identify any implementation gaps;
• finalize practical procedures for onboarding, KYC, beneficial ownership, screening, escalation, and file review;
• support ongoing monitoring and compliance oversight for customer onboarding and business relationships;
• help maintain reporting, recordkeeping, issue tracking, and evidence organization;
• prepare recurring executive and board reporting;
• deliver or update role‑based training;
• support readiness for FINTRAC inquiries, examinations, and future effectiveness review requirements.

CCA already has core program components in place, including:

• policies and procedures,
• risk‑rating framework,
• screening and escalation templates,
• exception logging tools, and
• related supporting forms and checklists.

• direct experience with Canadian FINTRAC / PCMLTFA compliance requirements;
• experience serving as a senior AML/compliance lead, Compliance Officer, CAMLO, MLRO, or similar role;
• strong understanding of operational onboarding controls, beneficial ownership, screening, escalation, and regulatory reporting;
• ability to work in a practical, hands‑on way with a lean business team;
• confidence preparing concise, decision‑useful management and board reporting;
• experience in financing/leasing, equipment finance, mortgage lending, payments, banking, or adjacent financial services is preferred.

This is a chance to help shape the operating model of a compliance program at a business that already has meaningful foundational work completed. The mandate is focused, practical, and senior: move the program from “documented” to “working well,” then help keep it working.

The role is expected to begin with an initial implementation ramp‑up and transition into an ongoing fractional cadence thereafter. The exact structure will depend on the successful candidate’s experience, availability, and whether the role is advisory or formally appointed.

Please email

• a short summary of relevant FINTRAC / AML experience,
• examples of similar mandates,
• whether you are open to serving as the formally appointed Compliance Officer,