Jacqueline D. Shinfield
Partner | Toronto
Toronto: 416-863-3290

Jacqueline's practice focuses on all aspects of regulatory compliance in the retail financial services and payments industry at both the federal and provincial levels. She provides advice to regulated financial institutions and non-bank institutions, pay day loan companies, money services businesses, foreign exchange dealers, mobile payments service providers, digital currency exchanges and others. She has extensive experience providing advice in respect of Canada's anti-money laundering and anti-terrorism financing legislation as well as Canadian sanctions legislation.

Jacqueline also has particular expertise in the payment and card industry and provides advice to those involved in all aspects of these industries, including credit card, stored value card and virtual card issuers, issuers and exchangers of digital currency, e-wallet providers, payment solution providers, program managers, payment processors, payment acquirers, payment networks and others involved in payment systems generally. She also provides a wide range of advice on regulatory issues with respect to the development of new payment products and distribution networks and on regulatory compliance with respect to payment systems legislation and consumer protection legislation.

Jacqueline assists financial institutions in their dealings with the Financial Consumer Agency of Canada and assists regulated entities in their dealings with the Financial Transactions and Reports Analysis Centre of Canada. She also acts for businesses and institutions in providing advice on compliance with the rules and by-laws of the Canadian Payments Association and codes of conduct of the Canadian Bankers Association.

AWARDS & RECOGNITION

Jacqueline was named Person of the Year at the 2016 PX Payments Awards and was inducted into the Canadian Payments Hall of Fame. Payments eXchange is the Canadian organization that represents all sectors of the payments business in Canada (gift cards, prepaid cards, eCards, ePayments, mobile payments and transaction processing), as well as providing ongoing legal and statute updates that govern each aspect of the payments business.

In 2015, Jacqueline was named one of Paybefore's Top 10 Payments Lawyers. She is the only Canadian lawyer to receive this recognition.

She is also recognized as a leading banking and financial services lawyer in the following publications:

  • Chambers Canada: Canada's Leading Lawyers for Business 2018 (Banking & Finance: Financial Services Regulation)

  • The Best Lawyers in Canada - since 2013 (in 2018, ranked in Banking and Finance Law)

  • IFLR1000: The Guide to the World's Leading Financial Law Firms - 2018 Edition (Financial Services Regulatory)

  • The Canadian Legal Lexpert Directory 2017 ("Repeatedly Recommended" in Banking & Financial Institutions)

PUBLICATIONS
Show Past:
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Blakes Bulletin on Financial Services Regulatory, July 21, 2017.
Blakes Bulletin on Financial Services Regulatory, May 18, 2017.
Blakes Bulletin on Financial Services Regulatory, August 4, 2016.
Blakes Business Class on Capital Markets and Financial Services Regulatory, June 27, 2016.
Author: Amendments to Canada's Anti-Money Laundering Legislation: What is New and What is Next
National Banking Law Review, Volume 34, No. 5, October 2015.
Author: Risky Business: Assessment of Inherent Risks of Money Laundering and Terrorist Financing in Canada and Guidance on the Risk-Based Approach
Lexology, August 10, 2015.
Author: Amendments to Canada's Anti-Money Laundering Legislation: What's New and What's Next
Lexology, July 6, 2015.
Author: Amendments to Canada's Anti-Money Laundering Legislation: What's New and What's Next
Canadian Corporate Counsel, Volume 24, Number 7, July/August, 2015.
Author: Canada amends its card industry Code of Conduct
E-Finance & Payments Law & Policy, Volume 9, Issue 5, May 2015.
Blakes Bulletin on Financial Services Regulatory, April 2015
Author: Viewpoint: Canada's Regulation of Mobile Payments: Merchant Protection at the Cost of Innovation
Pay Gov, Volume 9, Issue VII, April 2015.
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PROFESSIONAL APPEARANCES
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Co-speaker: AML Fundamentals & Effective Compliance Management Strategies for Financial Institutions
The Canadian Institute’s 23rd Annual Regulatory Compliance for Financial Institutions Conference, Toronto, Ontario, November 28-29, 2017.
Co-speaker: Incorporating Tax Evasion Management and Compliance Strategies into Your AML Framework
5th Annual AML & Financial Crime Conference – Canada, Association of Certified Anti-Money Laundering Specialists (ACAMS), Toronto, Ontario, October 31-November 1, 2017.
Co-speaker: Maintaining an Effective Risk Management and Risk Assessment Framework
5th Annual AML & Financial Crime Conference – Canada, Association of Certified Anti-Money Laundering Specialists (ACAMS), Toronto, Ontario, October 31-November 1, 2017.
Co-speaker: Modernizing Canada’s Payment Systems
Beyond Cards: Regulatory Evolution Continues, Blakes Business Class Seminar, Toronto, Ontario, October 26, 2017.
Co-speaker: The Operational Side to Canadian Sanctions Compliance: How to Improve Reporting, Audits and Screening
3rd Annual Canadian Forum on Economic Sanctions: Compliance & Enforcement, American Conference Institute, Toronto, Ontario, October 23-25, 2017.
Chair: FinTech: Identity and Compliance in the Digital Age
CIX Summit 2017, Toronto, Ontario, October 18, 2017.
Speaker: Guidance for Reporting Financial Institutions on Customer Due Diligence Procedures Pursuant to AML Requirements
Common Reporting Standard Compliance Conference, The Canadian Institute, Toronto, Ontario, October 17-18, 2017.
Co-speaker: Focus on Canada: Reviewing Recent Regulatory Developments and Compliance Trends
Association of Certified Anti-Money Laundering Specialists (ACAMS) Webinar, October 11, 2017.
Co-speaker: Let’s Review: Reviewing Past SARs to Strengthen Future Ones
Association of Certified Anti-Money Laundering Specialists (ACAMS) 16th Annual AML and Financial Crime Conference, Las Vegas, NV, September 25-27, 2017.
Co-speaker: Harmonizing Government Regulation and Customer Requirements
2017 Bank Customer Experience Summit, Chicago, IL, September 18-20, 2017.
Moderator: The Future of Money
Panel Discussion, Blakes Business Class Seminar, Toronto, Ontario, June 5, 2017.
Co-speaker: Payments, Fraud, Risk: The Legal Panel
The Payments Canada Summit, Toronto, Ontario, May 25, 2017.
Co-speaker: The Future of KYC
Prepaid Symposium, Canadian Prepaid Providers Organization,Toronto, Ontario, May 23, 2017.
Co-speaker: Payments, North and South of the 49th - What's Next?
TRANSACT 17: Powered by ETA, The Electronic Transactions Association, Las Vegas, Nevada, May 10-12, 2017.
Co-speaker: Beneficial Ownership: Expectations, Limitations and Contradiction
16th Annual Forum on Anti-Money Laundering and Financial Crime Conference, The Canadian Institute, Toronto, Ontario, May 9-10, 2017.
Co-speaker: PSD2 & European Directives That Could Impact North American Payments
ACT Canada Cardware 2017, Payment Insights, Niagara Falls, Ontario, May 1-3, 2017.
Speaker: AML: A Regulatory and Legal Perspective
12th Annual Forum on Payments Compliance in Canada, The Canadian Institute, Toronto, Ontario, February 28-March 1, 2017.
Speaker: Exploring New Technologies: Blockchain and Cryptocurrency
The Internet of Things and Connected Payments, Ontario Bar Association's Institute, Toronto, Ontario, February 9, 2017.
Co-speaker: Co-Speaker - "Compliance Programs with a Focus on Risk Assessment
17th National Forum on Prepaid Card Compliance, American Conference Institute, Washington, D.C., January 30-31, 2017.
Co-speaker: Supporting Emerging Innovation and Technologies: Impacts and Considerations
The Innovation Forum: Thinking Beyond Today, Blakes Event, Toronto, Ontario, November 24, 2016.
Speaker: The New AML Regulations
Canadian Credit Union Association Webinar, November 24, 2016.
Co-panellist: Financial Crime Hot Topics
Association of Certified Anti-Money Laundering Specialists (ACAMS) 4th Annual AML & Financial Crime Conference Canada, Toronto, Ontario, October 25-26, 2016
Co-speaker: Mastering the New PCMLTFA Client Identification and Domestic PEP Requirements
Association of Certified Anti-Money Laundering Specialists (ACAMS) 4th Annual AML & Financial Crime Conference Canada, Toronto, Ontario, October 25-26, 2016.
Co-speaker: AML & Economic Sanctions: Dovetailing Both Programs to Block Terrorist Financing
American Conference Institute's 2nd Canadian Forum on Economic Sanctions Compliance & Enforcement, Toronto, Ontario, October 5-6, 2016
Co-speaker: Managing the Risks of Risk Management
Association of Certified Anti-Money Laundering Specialists (ACAMS) 15th Annual AML & Financial Crime Conference, Las Vegas, Nevada, September 26-28, 2016.
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MEDIA APPEARANCES
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Quoted: How the banks' need for criminal checks is becoming big business for small firms
Article by Danny Bradbury, National Post, September 20, 2016
Quoted: Canadian AML Risk Report 'A Missed Opportunity'
Article by Mark Taylor, PaymentsCompliance, August 13, 2015.
Quoted: Canada: Blockchain Is Like Early Internet, Let It Breathe
Article by John Basquill, PaymentsCompliance, July 2, 2015.
Quoted: Canada Widens Card Conduct Laws To Bring Mobile Into Fold
Article by Mark Taylor, PaymentsCompliance, April 22, 2015.
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