Hi
The question is a little vague but I'll my best.
1. An accountant or maybe book manager (depending on the business)
2. A commercial attorney/lawyer.
3. Someone in charge of operations.
You might not have to have these people as co-founders and it might be enough to use them as service providers at specific stages. Again: it really depends (1) what the exact business is, (2) what your background is and (3) what you're looking for (someone to take the journey with you or just someone to do what you need and that's it).
Good luck
Experience:
Certified Capital Markets & Securities Analyst (CMSA) with 15+ years in finance, risk management, and product structuring. Founder of AUROCKS Finance, specializing in fintech innovation, tokenized assets, and cross-border regulatory strategy.
Answer:
To bring a financial product to market in Canada, you’ll need a core team that covers three dimensions: legal, structural, and operational execution.
1. Legal & Compliance
• Securities Lawyer (Canada): To determine if your product qualifies as a security under the Ontario Securities Act or IIROC guidelines.
• Regulatory Consultant: Experienced with FINTRAC registration, KYC/AML policies, and licensing pathways (especially if it involves custody, lending, or tokenization).
• Corporate Lawyer: To handle your entity setup (e.g., federal vs. provincial corporation) and shareholder agreements.
2. Financial & Structural Architecture
• Structuring Expert / Risk Officer: To design your product’s cash flow, pricing, and risk model in compliance with Canadian standards.
• Auditor or Accounting Advisor: To establish transparent reporting and audit readiness — essential for institutional credibility.
3. Technology & Delivery
• Fintech Developer / CTO: To ensure your product architecture (API, data handling, and security) aligns with financial data protection laws.
• Banking / Custody Partner: To manage settlement, escrow, or collateral flows depending on your model.
If you’d like, I can help you outline the exact team composition and regulatory sequence for your product type — from initial structuring through to licensing and investor onboarding. Given my background we could also check weather I can support you in multiple of those points.
