Cindy provides strategic legal guidance to a wide array of financial services clients looking to enhance their offerings in Canada while navigating a complex regulatory environment.

Cindy assists clients in complying with legislative and regulatory requirements affecting their operations, including anti-money laundering, cost of borrowing, consumer protection, retail payments and market conduct rules. A Certified Anti-Money Laundering Specialist with ACAMS, Cindy has extensive experience with Proceeds of Crime (Money Laundering) and Terrorist Financing Act and regulations and FINTRAC guidance. Cindy’s clients include financial institutions, fintechs, payment service providers, money services businesses, consumer lenders, dealers in precious metals and stones, real estate and mortgage businesses.

Cindy’s expertise includes assisting financial institutions and fintechs with product and service design to ensure compliance with federal and provincial statutory regimes related to consumer lending, buy-now-pay-later services, payment card processing, and outsourcing. She possesses in-depth knowledge of cost of borrowing, credit disclosures, and consumer protection regulations across Canadian jurisdictions. She also advises on the Bank Act (Canada), federal financial institution legal regimes, and Payments Canada rules, including payment card merchant processing, consumer finance protection, outsourcing, reward programs, and payment systems.

Additionally, Cindy supports clients in regulatory disputes, including responding to or appealing regulatory decisions, and advises on new digital, mobile, and online financial products and services, including partnerships with financial institutions and fintechs.