Risk Management Framework

This document sets out FLOWA PAY INC.'s policy position and control objectives, published for transparency and to support institutional due diligence. It is reviewed periodically and does not constitute legal advice. FLOWA PAY INC. makes no representation that it holds any licence, authorisation or certification except the FINTRAC Money Services Business registration expressly stated in the Regulatory Disclosures.

This framework describes how FLOWA PAY INC. identifies, assesses, controls and monitors the risks arising from its business.

We categorise risk across financial crime, operational, technology and information security, conduct, regulatory, credit and settlement, and reputational risk.

Risk appetite is set and overseen by senior management, with defined ownership, controls and reporting for each risk category.