I just wanted to add on the notion you raised when you used the term “investigation”.
As Ms. Ryan pointed out, FINTRAC doesn't do investigations. However, there might be investigations down the line if FINTRAC reaches a threshold and discloses information to law enforcement. For that reason, there's actually a prohibition—and I can't recall if it's in the act or in the regulations—called “no tipping off”. Basically, financial institutions have to be careful not to tip off a person on whom they are filing a suspicious report, because down the line it could lead to an investigation. Therefore, it is quite possible that the client will not know that they're doing something that may be legal or not. It may look suspicious to the bank, and the bank will provide this information to FINTRAC.