You're not just "compliant" — you're audit-ready at any moment. AMLforBrokerages monitors, documents, and proves compliance across all five FINTRAC pillars for your brokerage.
FINTRAC examinations are unannounced, thorough, and unforgiving. A brokerage without a documented, functioning AML program doesn't get a second chance — it gets a penalty.
FINTRAC examiners do not simply review your policies document and move on. They probe for evidence that your AML program is genuinely operational — that staff are trained, decisions are documented, and your Compliance Officer is empowered to act.
A brokerage with impressive-looking paperwork but no documented monitoring history, no training records, and no evidence of CO oversight will fail an examination — not because the intent wasn't there, but because the proof wasn't.
Every real estate brokerage in Canada must demonstrate compliance across all five pillars. AMLforBrokerages delivers each one — documented, monitored, and audit-ready.
Formally documented appointment with ongoing support, empowering your CO to act with confidence and authority.
Scoped, role-based AML training with tracked completion, certification records, and ongoing monitoring of staff compliance knowledge.
Bespoke written policies built around your brokerage's actual risk profile — updated as FINTRAC guidance evolves.
Continuous review of your compliance posture between formal cycles — catching emerging risks before they become findings.
The mandatory two-year external review of your full AML program — conducted, documented, and formally reported.
Practical, FINTRAC-aligned tools and guides to help your brokerage stay ahead — not just compliant.
A step-by-step guide to preparing for a FINTRAC examination — what examiners look for and how to demonstrate a functioning AML program.
A structured, policy-aligned decision tool that helps your CO determine when to file an STR — and documents every decision with an audit trail.
Score your brokerage against FINTRAC's five pillars and identify gaps before an examiner does. Takes under 10 minutes.
How to scope, implement, and document AML training that satisfies FINTRAC's expectations — role by role, record by record.
A guided framework for constructing bespoke AML policies aligned to your brokerage's specific risk profile and operational model.
A pre-examination checklist covering all five pillars — so your brokerage is never caught off guard by an unannounced FINTRAC review.
Every plan covers all five FINTRAC pillars. No hidden add-ons.
Priced by brokerage size — because your compliance obligations scale with your team.
Includes FINTRAC-aligned training for all agents and staff across every plan.
The FineProof™ STR Decision Framework guides your Compliance Officer through every reporting decision — consistently, defensibly, and in alignment with your written policies.
A structured intake process prompts the CO to capture the relevant details of the transaction or behaviour that has raised concern — before any judgement is made.
The framework guides the CO through a policy-aligned assessment: risk factors, client history, and the specific indicators that apply under FINTRAC guidance.
Whether a report is filed or not, the decision is logged, timestamped, and mapped to the relevant policy. Every outcome is defensible in an examination.
In a compliance examination, undocumented decisions are treated as if they never occurred. The decision not to file is just as important as the decision to file — and requires the same level of documentation.
FineProof™ is the secure platform where your AML program lives operationally. It's the Compliance Officer's home base — and the evidence layer that makes your program defensible in any examination.
AMLforBrokerages was founded on a straightforward observation: most Canadian real estate brokerages want to be compliant — they simply lack the infrastructure to prove it. FINTRAC's five-pillar framework is clear. The consequences of falling short are serious. But between running a brokerage and managing a team, most Brokers of Record don't have the time or resources to build a defensible AML program from scratch.
We built AMLforBrokerages to close that gap — not with generic templates or one-size-fits-all checklists, but with bespoke programs, expert oversight, and the FineProof™ platform: a purpose-built compliance operating system that documents everything and proves it when it matters.
FINTRAC examinations don't give advance notice. Start building your defensible AML program today.