Is your brokerage ready for a FINTRAC examination?
FINTRAC compliance consulting for Ontario real estate brokerages. Whether you’re building your first program or proving the one you have holds up, we make sure you’re ready before the examiner arrives.
Every figure is drawn from public sources. See our sources or download the Bill C-12 Fact Sheet.
FINTRAC Compliance Consulting
Complix provides FINTRAC compliance consulting exclusively for real estate brokerages. We help Brokers of Record and Compliance Officers review, implement, and maintain the compliance programs FINTRAC actually expects to see, not paperwork that just 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
- An independent effectiveness review of your program, conducted at least every two years
- An appointed Compliance Officer with clearly defined responsibilities
Download the one-page Five Pillars reference: what each pillar covers and what FINTRAC looks for.
Already have all five in place? The fourth pillar is where most of our clients start.
Where do most brokerages start?
A Two-Year Effectiveness Review
We review your program independently: your manual, your risk assessment, a sample of your files, and how your agents actually apply it. You get a written findings report rated by risk. Fix the gaps yourself or have us do it. Your call.
How the review works
Want a quick read first? Take the free FINTRAC Readiness Self-Assessment and see where your program stands on your own.
Who we help
We work with Ontario real estate brokerages of all sizes, from independent boutique offices to multi-location franchises, whether they’re starting from scratch or confirming that what they’ve built will hold up.
- Brokerages with an established in-house program that need an independent effectiveness review
- 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 address the 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, licensed for 18 years, 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 work from how your brokerage actually operates: your deal volume, your agent roster, your market, and your risk profile.
When FINTRAC examiners walk into your office, they’re not looking for effort. They’re looking for evidence. We make sure the evidence is there.
Ready to see where your brokerage stands?
Fifteen minutes. No obligation. You’ll leave knowing your next step.
Book a free 15-minute call Not ready to talk yet? Take the free Self-Assessment