Is your brokerage ready for a FINTRAC examination?
FINTRAC compliance consulting, built for the exam that’s coming. Most Ontario brokerages aren’t ready. We fix that.
FINTRAC Compliance Consulting
Complix provides FINTRAC compliance consulting exclusively for real estate brokerages. We help brokers of record and compliance officers build, repair, and maintain the compliance programs FINTRAC actually expects to see, not just paperwork that looks good on the shelf.
Every engagement is built around the five mandatory pillars of a real estate compliance program:
- A written compliance policies and procedures manual tailored to your brokerage
- A documented risk assessment that identifies your specific money laundering and terrorist financing risks
- An ongoing compliance training program for all agents and staff
- A review mechanism, an independent effectiveness review conducted at least every two years
- An appointed compliance officer with clearly defined responsibilities
Who we help
We work with Ontario real estate brokerages of all sizes, from independent boutique offices to multi-location franchises, that need to get their compliance program in order before FINTRAC comes knocking.
- Brokerages that have never built a formal FINTRAC compliance program
- Brokerages that received a FINTRAC examination notice and need to act fast
- Brokerages that failed a previous examination and need to remediate findings
- Brokers of record who want to get ahead of Bill C-12’s expanded penalties before the next examination cycle
Why Complix
Complix was built by a working Ontario real estate broker, 18 years licensed, who discovered firsthand that his own brokerage’s FINTRAC training program had a gap he’d never been told about. We don’t sell generic AML templates. We build programs that reflect how your brokerage actually operates: your deal volume, your agent roster, your market, and your risk profile. A bespoke regime that is unique, just like your business is.
When FINTRAC auditors walk into your office, they are not looking for effort, they are looking for evidence. We make sure the evidence is there.