跨境电商资讯：概述加拿大MSB（FINT

机构介绍
Institutions to introduce
——
加拿大金融交易和报告分析中心（FINTRAC）是加拿大的金融情报单位，于2000年成立。它是一个独立机构，向财政部长汇报工作，对议会活动中心负责。总部位于渥太华。主要负责收集分析、评估和披露加国金融行业的相关资料，以保护加国的金融稳定及安全。（wisefc1）
The Financial Transactions and Reports Analysis Centre of Canada (FINTRAC) is Canada's financial intelligence unit, established in 2000. It is an independent body reporting to the Minister of Finance and is accountable to the Parliamentary Activity Centre. It is headquartered in Ottawa. It is responsible f or collecting, analyzing, evaluating and disclosing information related to the Canadian financial industry to protect the financial stability and security of Canada
业务范围
The business scope
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加拿大MSB向公众提供下列服务;● 外汇交易:进行交易，您可以将一种货币(美元兑换加元)兑换成另一种货币。● 资金支付：使用电子资金转帐网络或任何其他方法，将资金从一个个人或组织转移到另一个个人或组织。● 兑换或出售汇票、旅行支票或任何类似的东西：这也可能包括兑现或出售旅行支票或任何类似的东西。这并不包括将支票兑现给特定的个人或组织。----（wisefc1）
MSB Canada provides the following services to the public; ● Foreign exchange transactions: Conduct transactions in which you exchange one currency (U.S. dollars for Canadian dollars) for another. ● Payment of funds: Transfer of funds from one individual or organization to another using an electronic funds transfer network or any other method. ● Exchange or sell money orders, traveler's checks or anything similar: This may also include cashing or selling traveler's checks or anything similar. This does not include cashing checks to specific individuals or organizations. - (wisefc1)
申请加拿大FTR MSB要求
Apply for Canadian FTR MSB requirements
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办理您的金钱服务业务牌照MSB
Transact your money Service business licence MSB
在开始在加拿大经营之前，您必须在FINTRAC上注册您的货币服务业务(MSB)。即使您已在一个省或地区注册为MSB，您仍然必须在我们这里注册。有关您的所有MSB注册义务，请参阅注册您的货币服务业务。
Before you begin operating in Canada, you m ust register your Money Services Business (MSB) with FINTRAC. Even if you have registered as an MSB in a province or territory, you must still register with us. For all your MSB registration obligations, see Register Your Money Services Business.
合规计划程序
Compliance Planning procedures
全面有效的合规计划是您履行PCMLTFA及相关法规规定的所有义务的基础。在FINTRAC检查期间，重要的是要证明所需的文档已经准备就绪，并且被授权代表您行事的员工、代理和所有其他人员都受过良好的培训，能够有效地执行遵从性程序的所有元素。高级管理人员必须批准合规计划，合规管理人员必须具有执行该计划要求的必要权力。
A full and effective compliance program is the basis for you to meet all your obligations under the PCMLTFA and related regulations. During a FINTRAC inspection, it is important to demonstrate that the required documentation is in place and that the employees, agents, and all other personnel authorized to act on your behalf are well trained to effectively perform all elements of the compliance program. Senior management must approve the compliance plan and the compliance officer must have the necessary authority to implement the requirements of the plan.
你必须:
（1）指定合规负责人负责合规计划的实施和监督；
（2）制定并应用由高级管理人员批准的最新的书面合规政策和程序；
（3）应用及记录风险评估，包括缓解措施及策略；
（4）为员工、代理人和其他有权代表您行事的人制定并维护书面培训计划；
（5）每两年回顾你的法规遵循计划（政策和程序，风险评估和培训计划），以测试其有效性。
You must:
(1) Designate a compliance person responsible for the implementation and supervision of the compliance plan;
(2) Develop and apply the latest written compliance policies and procedures approved by senior management;
(3) Apply and document risk assessments, including mitigation measures and strategies;
(4) Develop and maintain a written training program for employees, agents and other persons authorized to act on your behalf;
(5) Review your compliance program (policies and procedures, risk assessments, and training programs) every two years to test its effectiveness.
了解您的客户程序
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作为一项货币服务业务，您必须根据犯罪收益(洗钱)和恐怖主义融资条例(PCMLTFR)，为某些活动和交易核实客户的身份。了解你的客户的一部分包括以下方法来识别客户，以及进行� �些额外的活动，如下所示:
（1）何时确认个人和实体的存在——货币服务企业;
（2）识别个体和确认实体存在的方法;
（3）业务关系要求;
（4）持续的监控要求;
（5）实益拥有权要求;
（6）第三方认定要求;
（7）政治人物和国际组织负责人-货币服务企业。
MSB报告
——
货币服务企业必须完成某些交易和财产的报告，并提交给FINTRAC。财务交易报告对于FINTRAC分析交易的能力至关重要，以便开发向执法部门和合作伙伴机构披露的财务情报。因此，您的报告质量将.........

机构介绍 Institutions to introduce —— 加拿大金融交易和报告分析中心是加拿大的金融情报单位，于2000年成立。Bef ore you b

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