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At this first level, CAMLI will assess AML/TF compliance professionals who are, or have been, tasked with the basic compliance responsibilities to ensure a reporting entity meets its legislated responsibilities, including but not necessarily limited to: the knowledge and understanding of money laundering and terrorist financing; understanding of, and experience with the five elements of an AML compliance regime and its delivery within the reporting entity environment; experience and knowledge in the identification and reporting of designated transactions to FINTRAC; knowledge of the steps in responding to a Compliance Regime examination/audit by a designated Regulatory Authority, FINTRAC or otherwise; involved to some degree in the maintenance of a training program for company employees subject to legislated compliance responsibilities; and demonstrated involvement in the on-going maintenance of the current application of the company compliance regime.

CAMLI-PA Designation Checklist

The CAMLI designation application fee is non-refundable; please ensure that you can check off ALL the following points before applying for the Practicing Associate designation:

• I am a current member of CAMLI.
• I have a minimum 2 years experience working in AML compliance.
• I have a high school diploma.
• I have completed the designation questionnaire with a minimum score of 50.
• I can provide one professional reference.
• I am confident that I can successfully complete the CAMLI Practicing Associate examination.

On-Line Examination

One of the key elements of the CAMLI designation application process is the on-line exam. This exam is the final step of the process and only after all other steps have been completed will the applicant be permitted to take the exam.

How do I take the exam?

The exam is completed online via the CAMLI website. You will be required to have a supervisor or management team member from your organization witness that you completed the exam independently. You will have one opportunity to pass the exam. A passing grade is 75%.

The exam covers the basic knowledge required by an individual who is acting in the role of a Compliance Officer.

The designation process evaluates knowledge in the following areas:

• Understanding Money Laundering;
• Understanding Terrorist Financing;
• Implementing a Compliance Regime;
• Suspicious Transaction Indicators;
• Reporting Requirements;
• Client Identification Requirements;
• Record Keeping Requirements; and
• Global Anti-Money Laundering Organizations and Initiatives

If you are unsure of your knowledge in any of these areas, CAMLI strongly recommends studying and researching that area prior to taking the exam as you will only be able to take the exam once.

What happens if I fail the exam?

In the event that an applicant does not pass the examination they will have two options:

1. Wait 6 months and then reapply for the designation. This will allow the applicant time to study and update their knowledge. A new application fee will apply.
2. Applicants may enroll in CAMLI's Compliance Officer 101 Training Program. Upon successful completion of that course they may retake the designation exam immediately and for free.

This level assesses the compliance professional's experience beyond the daily application role; more specifically, at the stage where the applicant is managing an AML/CTF compliance program.

Who Can Apply for the CAMLI-PS Designation?
Compliance professionals with a minimum of 4 years in AML/CTF; at least 2 years must be at the management level. Individuals must be members of CAMLI in order to apply for a designation.

Assigning of this designation will be based on a variety of information sources, including the following:

• Submission of a professional portfolio focusing on knowledge, training, and experience developed through AML/CTF management activities
• Submission of the CAMLI-PS application form including executive summaries for 5 of the 8 competency areas identified by CAMLI
• Successful completion of the CAMLI-PA level examination (if the applicant does not already hold the CAMLI-PA)
• Two Professional references (one from someone who has knowledge of your two years in management) Documented evidence of a minimum of four years work experience in AML/CTF compliance, with at least two of those years in a management role A detailed application form focusing on knowledge, training, and experience developed through AML/CTF management activities

Competencies for CAMLI-Practicing Specialist
Applicants must submit executive summaries for at least 5 of the 8 competencies:
1. AML/CTF policy development.
2. Training development and implementation.
3. Risk management planning.
4. Providing overall direction to senior management with respect to compliance issues.
5. Budgetary control for the compliance program.
6. Management of employees in the compliance group if applicable.
7. Liaison with FINTRAC and designated regulatory bodies regarding AML/CTF compliance.
8. Planning and implementation of new compliance requirements when put into force by new legislation or guidance from FINTRAC and other relevant regulatory authorities.


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The Compliance Officer 101 Training Program is designed for staff new to the prevention of money laundering. It is also a useful refresher course for existing employees or those wishing to attain the CAMLI Practicing Associate designation.

Compliance Officer 101 will assist you in your understanding of money laundering, terrorist financing, regulators, and your obligations under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and its supporting Regulations.

After purchase, users will have six months to complete the final evaluation.

Completion of Compliance Officer 101 is a prerequisite for the Foundations of AML Compliance Management Certificate

Working in AML/ATF compliance in Canada requires a solid foundation in the various legislative and regulatory guidance resources available to the designated reporting sectors. This foundation is rooted firmly in Canada-specific content that is supported by a variety of international standards and best practices. This results in a compliance management approach that can maximize the necessary controls to protect your organization from the risks related to money laundering and terrorist financing activities.

The Canadian Anti-Money Laundering Institute has developed the Foundations of AML Compliance Management Certificate, which encompasses two CAMLI training programs, focusing on the key fundamentals of AML/ATF compliance management within a designated reporting business operations.

The Foundations of AML Compliance Management Certificate builds upon the content presented in CAMLI's Compliance Officer 101 training program, which is a prerequisite for this certificate. Those core training programs cover:

• The legislative and regulatory framework on which AML/ATF compliance is based;
• The nature of the inherent risk for money laundering and terrorist financing to which a business is exposed; and
• Testing the effectiveness of a business’ compliance program in managing the risk and confirming the business’ application of the legislative requirements.

Together, the training programs outline the background, legislated-elements, and required practices essential to the mandated compliance program of a Canadian reporting entity.

This Certificate has been developed for individuals considering or currently working as AML/ATF compliance officers in Canada.

What does the certificate program involve?

Compliance Officer 101: This training program is a pre-requisite to the Foundations of AML Compliance Management Certificate. Any applicant who completed this training more than two years before applying for the Foundations of AML Compliance Management Certificate will need to successfully repeat the Compliance Officer 101 examination. The exam will be made available once (at no cost) to individuals who have registered for the Foundations of AML Compliance Management Certificate.

CAMLI Foundations of AML Compliance Management Certificate

Includes:

• Understanding Money Laundering and Terrorist Financing Risk: A Risk Assessment Process
• Effectiveness Testing the Compliance Program: Enhancing your Skills
• Additional training materials
• Final examination covering all training materials
• Certificate documenting the student’s achievement

To order the Foundations of AML Compliance Management Certificate via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

FINTRAC Compliance Program Requirements identify six elements that must be in place to meet legislative requirements under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and its supporting Regulations (PCMLTFR). These six Compliance Program elements are key to any effective system of internal controls. A well-designed, applied, and monitored program will provide a solid foundation for compliance with the legislation.

This course has been developed to assist those tasked with undertaking a legislated Compliance Review (effectiveness testing) to develop, manage, and operationalize that Review --- whether they are carrying out the Review directly, or have delegated that responsibility to another individual or team of individuals, or are overseeing an external consultant.

Additionally, this course stresses the importance of treating risk as part of a greater whole and not as a stand alone element separate from the other five compliance program elements. All compliance elements must focus on internal controls to minimize the risk of loss resulting from inadequate or failed internal processes, controls, products, geography, people, or from external events.

It is important when writing policies and procedures, undertaking a risk assessment, implementing risk mitigation controls and monitoring processes that your organization’s risk profile has been determined. You cannot effectively respond to ML/TF events unless you have a clear understanding of your inherent risk, risk appetite, risk tolerance and residual risk.

After purchase, users will have access to training program materials for six months.

To order Effectiveness Testing the Compliance Program: Enhancing Your Skills via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

FINTRAC Compliance Program requirements identify six elements that must be in place to meet your legislative requirements under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and its supporting Regulations. These six elements are key to any effective system of internal controls. A well-designed, applied, and monitored program will provide a solid foundation for compliance with the legislation.

To be effective, a risk assessment methodology must be part of an overall process to address risk.

This course stresses the importance of treating risk as part of a greater whole and not as a stand alone element separate from the other five compliance program elements. All elements must focus on internal controls to minimize the risk of loss resulting from inadequate or failed internal processes, controls, products, geography, people, or from external events.

It is important when writing policies and procedures, undertaking a risk assessment, implementing risk mitigation controls, and monitoring processes that your organization’s risk profile has been determined. You cannot effectively respond to ML/TF events unless you have a clear understanding of your inherent risk, risk appetite, risk tolerance, and residual risk.

This course will guide you through a four-step process of continuous improvement that includes:

1. preparation and assessment of risks;
2. implementation of controls to mitigate risks;
3. monitoring the performance of these controls; and
4. response to defects in the controls.

To order Understanding Money Laundering and Terrorist Financing Risks via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

Corruption and money laundering are deeply interconnected, as corrupt officials often rely on money laundering techniques to disguise the origins of their illicit gains. While corruption-related money laundering shares many of the same traits as the laundering of proceeds of other types of crime, there are important differences.

This training program is designed to provide information to reporting entities under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act and associated Regulations about the risks associated with politically exposed persons (PEPs) and heads of international organizations (HIOs) for money laundering and terrorist financing.

To order Risks Associated with PEPs and HIOs via telephone, FAX, or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

This program was developed for compliance professionals to assist with developing an efficient and effective transaction monitoring system with the ultimate goal to determine whether to clear alerts or escalate to the submission of suspicious transaction reports.

How? By examining situations in which money-laundering alerts should be triggered, based on what is expected.

Outcomes: Transaction monitoring solutions help reporting entities identify, assess, control and report unusual activity among their customer operations through a multi-step processing management system.

The intent of this program is to focus on how AML control rules and other parameters are used to generate alerts on transactions that are linked to an array of customer types and products, as well as, to various points of the customer relationship.

An AML ‘Transaction Monitoring System’ is a vital component of the internal control measures reporting entities require in the prevention of money laundering and terrorist financing under our Canadian legal framework, the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and associated Regulations.

To order Transaction Monitoring System via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

CAMLI's Fraud 101 is an entry level course that has been designed to assist practitioners by providing information on the theory, types of fraudulent financial crimes, and application of mitigating strategies to facilitate the detection, prevention, and response to fraudulent activities within their organization.

To order the Fraud 101 Training Course via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

All reporting entities regulated under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and associated Regulations are required to be vigilant for transactions that could indicate violations of the PCMLTFA and to report such transactions to FINTRAC.

This is an entry level course that has been designed to assist practitioners to recognize when there are reasonable grounds to suspect attempted or completed suspicious transactions, and provides information on how to develop a reporting protocol that maximizes the utility of their Attempted/Suspicious Transaction Reports.

To view the training program objectives or order Composing Suspicious Transaction Reports via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

The Business Relationship is a mandatory element of a compliance program and is applicable to reporting entities of all sectors.

CAMLI's Building a Business Relationship and Monitoring Model examines Canada's legislated Business Relationship requirements and know-your-customer obligations, outlines the development of a risk management protocol, and provides guidance for monitoring and record keeping. This is further supported by sector-specific examples in order to provide the user with a strong foundation in this problematic compliance program element.

Included with this training program is Managing Business Relationship Requirements webinar recording. .

This webinar recording focuses on Business Relationships, as defined under the PCMLFTA, speaking specifically on how this requirement is mandated in each sector, and providing participants with key takeaways that will enhance or strengthen their compliance programs. .

To view the training program objectives or order Risks Associated with Trade-Based Money Laundering via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

The growing use of new payment products and services (NPPS) globally has created challenges to ensure that these products and services are not misused for money laundering (ML) and terrorist financing (TF) purposes. This course will focus on four categories of NPPS: (1) Prepaid cards; (2) Mobile payment services; (3) Internet-based payment services; and (4) Virtual currencies. An analysis of potential threats and vulnerabilities to money laundering and terrorist financing to which your business is exposed must be included in your company’s risk assessment, this includes the use of NPPS.

The latest update includes the ways to identify suspicious transactions for virtual currency companies, such as: customer behaviour; customer transactions; darknet marketplaces; unregistered or illicitly operating P2P Exchanges; Unregistered foreign-located MSBs; Unregistered or illicitly-operating kiosks, leveraging kiosk and much more.

To order New Payment Products and Services via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

To mitigate any possible threat and to preserve the integrity of our NPO sector, this course will assist reporting sectors through detailed information, thereby assisting the global fight against terrorism and encourage greater vigilance against any potential misuse domestically or abroad. Under no circumstances should funds donated to help the needy be funnelled instead to support terrorist activities.

For the purpose of this course a Non-Profit Organization is defined as: a legal person or arrangement or organization that primarily engages in raising or disbursing funds for purposes such as charitable, religious, cultural, educational, social or fraternal purposes, or for the carrying out of other types of “good works”.

To order Risks Associated with Terrorist Financing and Combatting Abuse of NPOs via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

The international trade system is subject to a wide range of risks and vulnerabilities that provide criminal organizations with the opportunity to launder the proceeds of crime and provide funding to terrorist organizations with a relatively low risk of detection.

This is an introductory training program designed to provide information about the risks associated with trade-based money laundering. Trade-Based Money Laundering covers a broad spectrum of financial and other services, including those financial services referred to as Trade Finance.

To view the training program objectives or order Risks Associated with Trade-Based Money Laundering via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

This training program is designed to provide information to reporting entities under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and non-reporting companies operating under provincial legislation about the risks associated with loans and mortgages for money laundering and terrorist financing.

To order Risks Associated with Loans and Mortgages via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

At the intersection of reporting and privacy of elder financial abuse/exploitation, you may sometimes struggle with your obligations to report this type of activity.This is an entry level course that has been designed to assist practitioners (i.e., financial entities, investment industry) to recognize the importance of the application of elder financial abuse/exploitation risk controls into their risk assessment, and provides information on how to facilitate the detection, response, and re-porting of these activities within their organization.

The course includes links to National resources for up-to-date information; and checklists to: (a) assess elder abuse/exploitation and (b) testing the effectiveness of monitoring internal control systems.

To view the training program objectives or order Risks Associated with Trade-Based Money Laundering via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

This training program is designed to assist Board of Director members to have a better understanding of the anti-money laundering and counter-terrorist financing (AML/CTF) inherent risks and controls to enable them to assess information reported by the CAMLO, Senior Management, and the Auditor, and exercise effective oversight over the AML/CTF program.

Although directors and senior officers may not be involved in day-to-day compliance, they need to understand the statutory duties placed upon them, their staff, and the entity itself. (FINTRAC, Guideline 4, Section 5.0)

To order the AML/CTF Board of Directors Training Program via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

This topic, ‘Understanding Risks’, is designed to provide Certified Financial Planners with information about the risks your products and services may create and the opportunities they may provide for money launderers and terrorist activity financing.

To order Certified Financial Planners: Understanding Risk via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

This AML/CTF course is designed to assist real estate brokers and sales representatives to comply in part with the training requirement under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA) and its supporting Regulations (PCMLTFR).

To order the Real Estate Brokers and Sales Representatives AML/CTF Training Program via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

Privacy is an operational concern and it belongs on the front lines where customer information is collected right through an organization’s lifecycle of information flow.

Employees that are unaware of corporate privacy policies and how they are related to their role make mistakes when dealing with customers or when using/disclosing customer information.

You do not need to be a privacy expert but you do need to understand policy, learn to be sensitive to customer privacy concerns, and apply privacy policies in your role every day.

Creating privacy policies is not enough; effective training is imperative

.This course consists of four modules:

1. Module 1: Introduction
2. Module 2: Understanding the PIPEDA
3. Module 3: How to Fulfill Compliance Responsibilities
4. Module 4: Application of the PIPEDA

Upon completion of this course, you will be able to:

• Identify the main components of the PIPEDA;
• Define the ten privacy principles and how to explain them in business terms;
• Identify consumers’ rights and how to assist them in exercising their rights;
• Identify how to deal with managing access to a consumer’s personal information;
• Identify how to deal with complaints;
• State the penalties for non-compliance;
• Identify the Commissioner’s powers and how to work with the Commissioner’s office;
• Identify some key Commissioner’s findings; and
• Recognize what is reasonable under certain circumstances.

After purchase, users will have access to training program materials for six months.

To order Privacy Training Program: PIPEDA via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

This training course is designed to assist you to comply in part with the Alberta Personal Information Protection Act, S.A. 2003, c. P-6.5 (PIPA).

This course consists of three modules:

1. Module One: Introduction
2. Module Two: Understanding the Alberta PIPA
3. Module Three: How to Fulfill Compliance Responsibilities

Upon completion of this course, you will be able to:

• Identify what personal information is;
• Identify to whom and what the PIPA applies;
• Identify the main requirements of the PIPA;
• Recognize what is reasonable under certain circumstances;
• Identify the compliance requirements;
• Identify the access and complaint process;
• Identify the role of the Information and Privacy Commissioner; and
• Identify penalties for non-compliance.

After purchase, users will have access to training program materials for six months.

To order Privacy Training Program: Alberta PIPA via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

Private sector privacy legislation has become increasingly important to individuals and organizations in the last two decades, largely as a result of advances in information technology that allow organizations to store and manipulate personal information. In Canada, this led to pressure on federal and some provincial governments to regulate the collection, use, and disclosure of personal information in the private sector as it already had done for the public sector.

This training course is designed to assist your organization to comply in part with the British Columbia Personal Information Protection Act (PIPA) [SB.C. 2003] Chapter 63.

Upon completion of this course, you will be able to:

• Identify what personal information is;
• Identify to whom and what the PIPA applies;
• Identify the main requirements of the PIPA;
• Recognize what is reasonable under certain circumstances;
• Identify the compliance requirements;
• Identify the access and complaint process;
• Identify the role of the Information and Privacy Commissioner; and
• Identify penalties for non-compliance.

To order Privacy Training Program: British Columbia PIPA via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.

This training course is designed to assist private companies that have employees and/or agents in Québec to comply in part with Québec's Privacy Act (An Act Respecting the Protection of Personal Information in the Private Sector).

This course consists of three modules:

1. Module One: Introduction
2. Module Two: Understanding Québec’s Privacy Act
3. How to Fulfill Compliance Responsibilities

Upon completion of this course, the user will be able to:

• Identify what personal information is;
• Identify to whom and what Québec’s Privacy Act applies;
• Identify the main requirements of Québec’s Privacy Act;
• Recognize what is reasonable under certain circumstances;
• Identify the compliance requirements;
• Identify the access and complaint process; and
• Penalties for Non-Compliance.

To order Privacy Training Program: Québec Privacy Act via telephone, FAX or regular mail, download the registration form. To order the course on-line, click Add to Cart below and complete the check-out process.