Dashboard / FINTRAC / KYC
FINTRAC / KYC compliance
Identity verification, beneficial ownership, screening, risk assessment, reporting and your compliance program in one place.
Since October 2024, mortgage lenders, brokers and administrators are reporting entities under Canada's anti-money laundering law (PCMLTFA). This module keeps the records FINTRAC expects to see in an examination.
Clients verified
97%
Reviews overdue
2
High-risk clients
2
Reports filed (2026)
1
Two-year effectiveness review due Oct 11, 2026 (11 days). · Every morning the app creates tasks for KYC reviews due within 30 days, overdue training and this review; all active clients are re-screened on the 1st of each month.
| Client | Role | ID method | Verified | By | Third party? | Risk | Status | |
|---|---|---|---|---|---|---|---|---|
James Nguyen Individual | Borrower · #1187 | Government photo ID | Jul 28, 2026 | Priya Nair | No | Low | Verified | Open |
Rachel Nguyen Individual | Co-borrower · #1187 | Government photo ID | Jul 28, 2026 | Priya Nair | No | Low | Verified | |
D. Chen Individual · lead | Applicant · lead | — | — | — | Not yet | Not assessed | Missing | |
Harbour Lane Developments Ltd. Corporation · signing officer P. Marino | Borrower · #1219 | Corporate records + photo ID (officer) | Jun 2, 2026 | Alex Morgan | No | Medium | Verified | |
Northgate Holdings Inc. Corporation · guarantor D. Morrison | Borrower · #1143 | Corporate records + photo ID (officer) | Apr 20, 2026 | Priya Nair | No | Medium | Verified | |
Crestview Homes Ltd. Corporation · guarantor P. Castellano | Borrower · #1112 | Corporate records + photo ID (officer) | Nov 10, 2025 | Alex Morgan | No | High | Verified | |
Mohan Patel Individual | Borrower · #1026 | Credit file | Feb 20, 2026 | Priya Nair | No | Low | Verified | |
Karan Singh Individual | Borrower · #1098 | Dual process | Sep 2, 2024 | Alex Morgan | No | Medium | Review overdue | |
Samuel Oduya Individual | Borrower · #1204 | Government photo ID | Jan 28, 2026 | Daniel Brooks | No | Low | Verified | |
Anthony Romano Individual | Borrower · #1131 | Government photo ID | Nov 20, 2025 | Priya Nair | No | Low | Verified | |
R. Bhatia Individual | Lender | Government photo ID | Mar 5, 2025 | Alex Morgan | No | Low | Verified | Open |
Dunmore Capital Corp. Corporation | Lender | Corporate records + photo ID (officer) | Jan 15, 2026 | Alex Morgan | No | High | Verified | |
Northshore Holdings Inc. Corporation | Lender | Corporate records + photo ID (officer) | Sep 2, 2024 | Alex Morgan | No | Medium | Review overdue | |
Maplewood Family Trust Trust · trustee M. Leblanc | Lender | Trust deed + photo ID (trustee) | May 12, 2025 | Alex Morgan | No | Low | Verified |
Showing 14 of 73 clients · saving a verification sets the next periodic review (2 years; 1 year for high risk). When every borrower and guarantor on a lead is verified, the underwriting checklist item "ID verified and KYC" ticks itself.Records kept at least 5 years
For corporations and trusts you must confirm who ultimately owns or controls them (25% or more) and how you confirmed it.
| Entity | Registration # | Directors / trustees | Owners 25%+ / beneficiaries | How confirmed | Confirmed | |
|---|---|---|---|---|---|---|
Harbour Lane Developments Ltd. Ontario corporation · borrower #1219 | [Ont. corp #] | P. Marino, L. Marino | P. Marino 60% · L. Marino 40% | Articles + shareholder register | Jun 2, 2026 | |
Northgate Holdings Inc. Ontario corporation · borrower #1143 | [Ont. corp #] | D. Morrison | D. Morrison 100% | Corporate profile report + signed declaration | Apr 20, 2026 | |
Crestview Homes Ltd. Ontario corporation · borrower #1112 | [Ont. corp #] | P. Castellano, R. Vieira | P. Castellano 50% · R. Vieira 50% | Articles + shareholder register | Nov 10, 2025 | |
Dunmore Capital Corp. Federal corporation · lender | [Federal corp #] | G. Dunmore, S. Pryce | G. Dunmore 70% · holding company 30% (owners traced) | Articles + ownership chart + declaration | Jan 15, 2026 | |
Northshore Holdings Inc. Ontario corporation · lender | [Ont. corp #] | T. Northshore | T. Northshore 100% | Signed declaration | Sep 2, 2024: re-confirm | |
Maplewood Family Trust Family trust · lender | [Trust account #] | Trustee: M. Leblanc | Settlor: J. Leblanc · Beneficiaries: Leblanc family members (4) | Trust deed | May 12, 2025 |
Last automatic screening
Sep 1, 2026
Potential matches to review
1
Confirmed PEP / HIO clients
0
Screening log
| Date | Name(s) | Lists checked | Result | Reviewed by | Outcome | |
|---|---|---|---|---|---|---|
| Sep 25, 2026 | D. Chen | Sanctions · PEP / HIO | Potential match | — | Awaiting review | |
| Sep 18, 2026 | P. Alvarez | Sanctions · PEP / HIO | Potential match | Priya Nair | False positive: different date of birth | |
| Sep 1, 2026 | All active clients (73) | Sanctions · listed persons | Clear | System | No matches | |
| Aug 1, 2026 | All active clients (71) | Sanctions · listed persons | Clear | System | No matches | |
| Jul 28, 2026 | James & Rachel Nguyen | Sanctions · PEP / HIO | Clear | Priya Nair | Self-declared: not a PEP / HIO |
Compliance to confirm: screening is manual against the government lists you upload or link (set in the compliance program). The app records each check, potential match and decision.
Client risk assessment
Score each factor 1 (low) to 5 (high). The total sets the rating.
Geography
1
Product / transaction
2
Delivery channel
2
Client type
1
Source of funds / wealth
1
Previous assessments
Sep 25, 2026 · Priya Nair · Draft
Score 7 · LowPrevious assessments are kept; a new one never overwrites them.
Rating bands
- Low
- 5–9: standard measures
- Medium
- 10–14: extra review at renewal
- High
- 15+: enhanced measures, senior approval, closer monitoring
Bands come from the compliance program ().
Business-wide risk assessment
Current- Document
- Business_Risk_Assessment_v2.pdf
- Last updated
- Oct 8, 2024
- Next update
- With effectiveness review (Oct 2026)
Compliance to confirm: scoring factors and bands are a sample. The customer's own risk-assessment method goes here.
The system prepares the details of each report and flags transactions that may need one (e.g. cash of $10,000 or more). Filing is done in FINTRAC's own reporting portal. Record the FINTRAC reference number here afterwards.
Large cash transaction reports
1
Suspicious transaction reports
0
Terrorist property reports
0
Report log
| Date | Type | Client / loan | Details | Status | FINTRAC ref. | |
|---|---|---|---|---|---|---|
| Jun 14, 2026 | Large cash transaction | K. Singh · #1098 | $12,000 cash paid at office toward arrears | Filed Jun 19 | [FINTRAC ref] | |
| Aug 22, 2026 | Internal review (unusual transaction) Restricted | S. Oduya · #1204 | Payment from a third-party account; explained and documented | Closed, no report | — | |
| Sep 29, 2026 | Large cash transaction | K. Singh · #1098 | $10,500.00 bank draft toward renewal fee and arrears — suggested from Payments | Suggested draft | — |
Suspicious transaction reports are internal only. Never tell the client a report was considered or filed. Suspicious-transaction, terrorist-property and internal-review records are restricted: only the compliance officer and users allowed to see restricted records can open them. A cash or bank-draft payment of $10,000 or more recorded in Payments suggests a large-cash report draft.
Compliance officer
- Appointed
- Alex Morgan · Oct 11, 2024
- Contact
- compliance@[lender].ca
- Record retention
- On all KYC and report records kept 5+ years
- Review frequency
- Every 2 years · high risk every year
- Training
- Every 12 months
- Monthly screening
- On 1st of each month
- Screening lists
- Consolidated Canadian Autonomous Sanctions List · Criminal Code listed entities · [PEP / HIO source]
Two-year effectiveness review
Due Oct 11, 2026An internal or external review testing whether the compliance program works in practice.
- Reviewer
- [External reviewer]
- Last review
- None yet (program started Oct 2024)
Written policies & procedures
| Document | Version | Last updated | Approved by | |
|---|---|---|---|---|
| AML / ATF compliance policies & procedures | 2.0 | Oct 8, 2024 | Alex Morgan | |
| Client identification (KYC) procedures | 2.1 | Mar 3, 2025 | Alex Morgan | |
| Risk assessment methodology | 1.0 | Oct 8, 2024 | Alex Morgan | |
| Record keeping & reporting procedures | 1.0 | Oct 8, 2024 | Alex Morgan | |
| Ongoing training program | 1.0 | Oct 8, 2024 | Alex Morgan |
Training log
| Staff | Course | Completed | Next due | Status |
|---|---|---|---|---|
| Alex Morgan | AML/ATF annual refresher | Jan 14, 2026 | Jan 2027 | Current |
| Priya Nair | AML/ATF annual refresher | Jan 14, 2026 | Jan 2027 | Current |
| Daniel Brooks | AML/ATF annual refresher | Aug 30, 2025 | Aug 2026 | Overdue |
Compliance to confirm: program elements, training frequency and review timing follow the customer's compliance officer and FINTRAC guidance.
Verify identity
Record how the client's identity was verified. Copies are stored securely on the client file.
Corporation / trust ownership
Record who owns or controls the entity (25% or more) and how you confirmed it.
Run screening
Check names against sanctions and listed-person lists, and PEP / HIO status.
Review potential match
Compare the client with the listed record and record your decision.
New report draft
We prepare the details; you file it in FINTRAC's reporting portal and record the reference number.
Record training
Keep proof of ongoing compliance training.
Upload compliance document
Older versions are kept for the record.
Large cash transaction · K. Singh · #1098
After filing it in FINTRAC's portal, record the date and the FINTRAC reference number.
Compliance program
The officer sees restricted records. Review frequency and risk bands follow your written program (compliance to confirm).