The value add FINTRAC offers is that it can take all the information coming in to it from reporting entities, look for the information that Julien spoke about—trends, comparisons, putting people together and networking—and can digest that information and prepackage it to go out to law enforcement partners.
There are two ways that's done. Law enforcement, through a voluntary information record, or VIR, can submit information to FINTRAC on a potentially ongoing investigation or case it may be developing. If FINTRAC finds reasonable grounds that the information, paired with information it already has in this database, can be disclosed to an investigation that's related to money laundering or terrorist financing, it will disclose it.
The other type of disclosure is what's called proactive disclosure. This is for the beginnings of a case. It's financial information that FINTRAC puts together on its own and sends out proactively to the relevant police department in the hope that it will begin an investigation.
Ultimately, the use of that financial intelligence and the types of investigations that are taken up are a decision for law enforcement.