I have no idea where...I know someone who works for Edmonton policy fraud investigation, he changes his PIN every month...if your card information is stolen, they are not going to use the card right away, they usually wait for 6 months so it is hard to track back...
Anyway, the point here is the Canadian banks usually will reimburse you the amount on your credit card...It is zero liability
There are 5 big banks in Canada, according to market capitalization, 1.RBC 2.TD 3.Scotiabank(BNS) 4.BMO 5.CIBC They have very similar products, the different is service.