Compliance & FINTRAC

Exam-ready every day, not just the week before.

Since October 2024, mortgage lenders, brokers and administrators have FINTRAC obligations. Amortivo keeps the records with the client and the loan — where an examiner expects to find them.

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Today

The problem

ID verification records scattered across folders and inboxes.
Corporate borrowers and lenders without beneficial-ownership records.
No easy way to show who changed what, and when.

With Amortivo

What changes

Records in one place, by client
Missing ownership and expired reviews flagged
A complete audit trail for examiners

FINTRAC and KYC client verification in Amortivo — Product screen with sample data.

Feature guides

See how each part works

FINTRAC & KYC

Client identification, PEP and sanctions screening, risk ratings, periodic reviews, FINTRAC report preparation and your compliance program for mortgage lenders.

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Beneficial ownership

Record directors and owners of 25% or more for corporate and trust borrowers and lenders, how ownership was confirmed, and see which entities are still missing a record.

How it works →

Roles, permissions & audit trail

Role-based permissions with custom roles, approval limits, masked sensitive fields, two-step sign-in and a full audit trail of every change.

How it works →

Features

What's included

Client identification

Verification method, documents and dates recorded per borrower, guarantor and lender, with the underwriting checklist ticked automatically.

Corporations and trusts

Directors, owners of 25% or more and how they were confirmed — and a list of entities still missing an ownership record.

Screening and risk

PEP, HIO and sanctions screening records, client risk ratings and periodic review dates.

Reports and program

Large cash and suspicious transaction report preparation, restricted to the compliance officer, plus your compliance program, policies, training and effectiveness reviews.