Clear the alert queue, run the investigation, and then file the report.
Run your own rules in real time or on a schedule, work a risk-ranked alert queue, and see which rules actually lead to cases and STRs.
Run investigations end to end: evidence, timelines and intelligence in one case file that becomes the STR or SAR narrative.
Build, validate and submit every FINTRAC report without manual data entry, with every filing receipted, retained and audit-ready. FinCEN SAR filing is coming soon.
Build and tune your own detections and thresholds. You decide your risk appetite and relevant typologies. We help you manage and enforce it.
Get suggested rules and threshold adjustments based on your own alert and case history and filed STRs/SARs, not a generic template.
Triage first- and second-line alerts without the manual work, with full access to open-source intelligence tooling built directly into the workflow.
Configure your own workflows and statuses instead of adapting to someone else's process.
Suspicious Transaction Reports
Electronic Funds Transfer Reports
Large Virtual Currency Transaction Reports
Large Cash Transaction Reports
Casino Disbursement Report
“The support Quantoflow provided is invaluable. We would not have been able to achieve this on our own no matter how much time we poured into it, and after consulting several external experts without success, The company delivered exactly what we needed in record time. Quantoflow’s assistance allowed us to avoid a costly escalation.”
Vlad
Chief AML Officer, MassPay
“For any organization looking to modernize their AML compliance operations — whether for their own needs or on behalf of MSB clients — Quantoflow has been a game-changer for us, and I wouldn’t hesitate to recommend it.”Read the AML Incubator case study
Meri
Chief Compliance Officer, AML Incubator
Quantoflow customer since 2025
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See Quantoflow in action. Book a personalized demo and discover how to fix your AML regime.
Insights on AML compliance, plus FINTRAC and FinCEN regulations.
A clear-eyed look at using large language models to draft Suspicious Transaction Report narratives. What AI genuinely improves, where it fabricates or flattens, the confidentiality problem nobody plans for, and the division of labour that actually holds up under examination.
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A practical comparison of manual and automated Suspicious Transaction Report workflows for FINTRAC reporting entities. Where STR automation genuinely reduces risk, where it quietly creates new risk, and the parts of the process that cannot be automated at all.
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FINTRAC requires foreign currency transactions to be converted to Canadian dollars using the Bank of Canada rate to test the $10,000 reporting threshold. Here is how that works, where the Bank of Canada data runs out, and how to handle unlisted currencies and stablecoins like USDC and USDT.
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Quantoflow supports all mandatory FINTRAC report types for Money Service Businesses — Suspicious Transaction Reports (STR), Large Cash Transaction Reports (LCTR), Casino Disbursement Reports (CDR), Electronic Funds Transfer Reports (EFTR), and Large Virtual Currency Transaction Reports (LVCTR).
We support PDF filing for manual FINTRAC portal submission, automated FWR batch processing for compliance with jurisdictional API restrictions, and direct API integration for real-time automated submission. Choose the method that best fits your regulatory environment and operational needs.
No. Our Chrome Extension lets your compliance team file reports directly from the browser with no IT setup required — you can be filing on day one. API and FWR batch submission are available when you're ready to automate.
The Quantoflow Chrome Extension integrates with the FINTRAC portal in your browser. It pre-fills report fields from your transaction data, runs real-time validation against FINTRAC's business rules, and flags errors before you submit — cutting manual entry time and reducing filing mistakes.
Yes. Our REST API allows you to push transaction data from your core banking platform, POS system, or back-office software directly into Quantoflow to automate report generation and submission at scale.
Every report is validated against FINTRAC's current schema and business rules before submission. Our AI-assisted engine flags missing fields, threshold violations, and formatting issues in real time — so you fix problems before they become rejected filings.
Quantoflow Monitoring risk-ranks your transaction monitoring alerts so the activity most likely to warrant a report reaches an analyst first, and collapses duplicate and connected alerts into a single item of work rather than five separate reviews. Scores are explainable — the rules and activity behind each one stay on the alert — and every close carries a recorded rationale, which is what an examiner asks for when reviewing your monitoring.
Yes. Quantoflow Cases holds the investigation — subjects, accounts, evidence, open-source intelligence lookups and a chronological timeline — in one case file, then drafts the suspicious transaction narrative from that evidence. Sources are cited and timestamped, and the finished narrative carries into the STR without re-entering the facts.
Quantoflow is purpose-built for Canadian reporting entities under FINTRAC's PCMLTFA regulations — Money Service Businesses including currency exchanges, money transfer operators, cheque cashers and virtual currency dealers, payment service providers registering under the RPAA, and the compliance consultancies that triage, investigate and file on behalf of MSB clients.
All data is encrypted in transit and at rest. Access is controlled through role-based permissions so each team member only sees what they need. Every action is recorded in a tamper-evident audit log to support regulatory review.
Book a demo. Onboarding is fully guided — our team helps you configure your report types, choose your submission method (PDF, FWR, or API), and set up team roles before your first filing.
Sure — but building the integration is only the beginning. What happens when a filed report comes back with errors? What happens when FINTRAC updates their schema and your pipeline breaks overnight? We handle schema changes, validation rule updates, and error resolution continuously. Your tech team gets to focus on your product, not on chasing FINTRAC spec changes.
