Mr. Chair, I think some of that is answered by having robust compliance programs. Whether we're talking about credit unions or financial institutions, we go to great lengths in education and strongly endorsing the requirement to put a robust compliance program in place: appointing a compliance officer who's responsible for a program, developing policies and procedures and conducting risk assessments. Those are key fundamentals for a robust compliance program, as is ensuring that they have training programs and that they monitor the evolution of risk and those training programs.
For part of our education, I must go back to what my colleague Barry indicated. Every time FINTRAC is mentioned in the context of a successful law enforcement operation, and especially when we can put a human face to the damage associated with money laundering or terrorist financing, we bring that back to our reporting entities in the institutions. They have to understand that they play a critical role not only in mitigating the damage, but in really having that robust program where they know their clients, and when something is wrong, they have reasonable grounds to suspect and they come back to us.
For us, I think the best way to continue is educating and ensuring that we have sound appreciation for the roles these entities play in disrupting financial crime.