Analyste Conformité LAB - AML Compliance Analyst

Salary range

• The French-language description states a salary range of $50,000–$80,000; no pay cadence is specified.

About nesto

About the team

About the role

Customer due diligence and KYC

• Conduct KYC onboarding reviews for commercial borrowers, guarantors, indemnitors, and related parties.
• Perform risk-based enhanced due diligence and validate corporate records, including incorporation documents, shareholder registers, trust deeds, and partnership agreements.
• Identify and verify beneficial ownership in complex, layered, multi-entity structures and document ownership charts with supporting evidence.
• Complete periodic KYC refreshes for existing clients according to assigned risk levels.
• Update client risk ratings after material changes or scheduled reviews.

Risk assessment and screening

• Apply CMLS's AML risk methodology at onboarding and throughout client relationships, considering geographic and industry risk, PEP exposure, and adverse media.
• Clearly document the rationale for client risk ratings so it can be defended in an audit.
• Conduct sanctions, PEP, and adverse-media screening at onboarding and on an ongoing basis; document results and escalate appropriate cases.

Reporting and records

• Manage AML escalations, including preparing and submitting suspicious transaction reports directly to FINTRAC.
• Maintain accurate compliance files in accordance with applicable AML requirements.
• Support audits and FINTRAC examinations and contribute to keeping the program aligned with evolving regulatory guidance.

Requirements

• Administer and maintain CMLS's AML/ATF compliance program for commercial mortgages.
• Perform KYC onboarding and periodic reviews for commercial borrowers, guarantors, indemnitors, and related parties.
• Assess complex beneficial ownership across corporations, trusts, and partnerships, documenting evidence and ownership structures.
• Assess and document client risk, including geographic and industry risk, PEP exposure, and adverse media.
• Handle AML escalations, including preparing and submitting suspicious transaction reports directly to FINTRAC.
• Maintain accurate compliance records in accordance with applicable AML legislation and support audits and FINTRAC examinations.