chelle salariale: 60 000$ - 90 000$ Notre mission est doffrir une exprience de financement hypothcaire positive, et transparente, simplifie du dbut la fin.

Notre quipe se compose d''experts en technologie qualifis, de spcialistes en prts hypothcaires attentionns et d''une quipe de marketing diversifie, travaillant tous ensemble pour mener le changement dans l''industrie hypothcaire.

Chez nesto, nous sommes fiers de Nos clients apprcient notre exprience positive, transparente et simplifie en matire de financement hypothcaire.

Nos avis 4,5 toiles sur Google parlent d''eux-mmes ! Nous avons remport le prix CLA du prteur hypothcaire de lanne 2023 et 2024, qui reconnat notre excellence en matire de services de prt.

Nous sommes une organisation certifie B Corp, soulignant notre engagement avoir un impact positif sur notre socit et notre plante.

Notre quipe hautement qualifie, diversifie et collaborative, qui rend tout possible.

Notre plateforme Mortgage Cloud qui offre aux institutions financires un accs complet la technologie exclusive de nesto, amliorant ainsi lexprience du client, du dbut la fin. propos de l''quipe Nous sommes une quipe de gens d''action qui croient que la conformit doit soutenir l''entreprise, et non lui faire obstacle.

Nous travaillons cte cte avec les quipes du Groupe Nesto pour concevoir des processus de conformit intelligents, clairs, pratiques et faciles suivre.

Nous sommes concrets, collaboratifs et dtermins bien faire les choses non seulement du point de vue rglementaire, mais aussi d''une manire qui correspond la ralit oprationnelle de l''entreprise.

Ce poste relve directement du Directeur principal, Confiance et scurit, et travaille en troite collaboration avec les quipes du Groupe Nesto.

Si vous tes motiv par l''impact et que vous vous panouissez dans un environnement dynamique o vous pouvez prendre en charge des dossiers et contribuer des changements concrets, ce poste est pour vous. propos du rle En tant que Technicien(ne) juridique Conformit LAB, vous administrerez et maintiendrez le programme de conformit en matire de lutte contre le blanchiment d''argent et le financement du terrorisme (LAB/FAT) de CMLS pour les prts hypothcaires commerciaux.

Relevant du Directeur principal, Confiance et scurit, ce poste est bas Toronto ou Montral et est responsable de l''excution des processus de connaissance du client (KYC), de la ralisation de dterminations complexes en matire de proprit effective pour les socits, les fiducies et les socits de personnes, de l''valuation et de la documentation du risque client, ainsi que de la conduite d''examens priodiques des clients.

Vous serez galement responsable de la gestion des escalations en matire de LAB, notamment la prparation et la soumission de dclarations d''oprations douteuses (DOD) directement au CANAFE, et veillerez ce que tous les dossiers de conformit soient maintenus avec exactitude conformment aux exigences de la LRPCFAT.

Vous soutiendrez la prparation aux vrifications et aux examens du CANAFE et contribuerez veiller ce que notre programme demeure jour en regard de l''volution des exigences et des orientations rglementaires.

Dans ce rle, vous devrez: Contrle diligent de la clientle et KYC Effectuer des examens complets d''entre en relation KYC pour les emprunteurs commerciaux, les garants, les indemnisateurs et les parties lies

Effectuer une diligence raisonnable renforce sur la base d''une valuation des risques

Recueillir et valider la documentation d''entreprise, notamment les statuts constitutifs, les registres d''actionnaires, les actes de fiducie et les conventions de socit de personnes

Identifier et vrifier la proprit effective dans des structures complexes, plusieurs niveaux et entits multiples, en documentant les organigrammes de proprit avec des dossiers probants clairs

Effectuer des examens priodiques de mise jour KYC pour les clients existants conformment leur niveau de risque attribu

Mettre jour les cotes de risque des clients en rponse des changements importants ou des examens priodiques planifis valuation des risques Appliquer la mthodologie d''valuation des risques LAB de CMLS lors de l''entre en relation et tout au long de la relation client, incluant le risque gographique et sectoriel, l''exposition aux PPE et les mdias dfavorables

Veiller ce que la justification de toutes les cotes de risque soit clairement documente et dfendable en cas de vrification Sanctions et filtrage Effectuer le filtrage des sanctions, des PPE et des mdias dfavorables l''entre en relation et de manire continue, en documentant les rsultats et en escaladant les cas appropris au Directeur principal, Confiance et scurit Dclaration d''oprations douteuses Identifier et documenter les oprations ou comportements susceptibles de donner lieu des motifs raisonnables de souponner du blanchiment d''argent ou du financement du terrorisme

Prparer et soumettre des dclarations d''oprations douteuses au CANAFE, en escaladant au Directeur principal, Confiance et scurit selon le cas Intgrit des dossiers et prparation rglementaire Maintenir des dossiers LAB complets et bien organiss conformment aux exigences de tenue de dossiers de la LRPCFATSoutenir les vrifications internes et les examens du CANAFE, en rpondant aux demandes rglementaires en collaboration avec le Directeur principal, Confiance et scurit

Contribuer la mise jour de la documentation de procdures LAB, des listes de contrle et des modles selon les directives reues Dveloppement professionnel Maintenir des connaissances jour des orientations du CANAFE, des obligations de la LRPCFAT et des meilleures pratiques en matire de LAB/FAT applicables au secteur hypothcaire Qui nous recherchons Vous tes une personne d''action.

Vous avez un sens aigu du dtail et un intrt sincre pour le fonctionnement des structures d''entreprise.

Vous tes l''aise avec la complexit, vous prenez vos dossiers au srieux, et vous savez que dans ce type de travail,



la documentation est primordiale.

Vous vous panouissez dans un rle o la prcision est essentielle et o votre travail a un rel poids rglementaire.

Vous russirez si vous avez Un diplme d''adjoint(e) juridique, de technicien(ne) juridique ou une formation juridique quivalente

Plus de 5 ans d''exprience en droit des socits ou en transactions immobilires commerciales, avec une exposition importante des structures d''entits complexes

Une comprhension approfondie des structures d''entreprise et de la documentation, notamment les structures de proprit plusieurs niveaux et entits multiples

Une rigueur documentaire leve et la capacit maintenir des dossiers clairs, complets et dfendables en cas de vrification

Une grande attention aux dtails et d''excellentes comptences analytiques

Un jugement clair pour identifier et escalader les indicateurs de risque

La capacit traiter des informations sensibles et confidentielles avec discrtion

Une exprience en KYC, en conformit rglementaire ou une connaissance de la LRPCFAT et des orientations du CANAFE constitue un atout

Le bilinguisme franais-anglais est exig pour le poste de Montral et constitue un atout important pour le poste de Toronto

Veuillez noter qu''tant donn que nous servons des client(e)s situ(e)s dans tout le Canada, il est essentiel d''tre bilingue pour ce poste .

Vous pourriez tre amen(e) communiquer en franais et en anglais.

Nous vous offrons Contribuer directement faonner l''exprience qui modernise l''industrie hypothcaire canadienne

Profiter du programme hypothcaire employ du Groupe Nesto, qui offre nos employs les meilleurs taux prfrentiels exclusifs

Bnficier d''une politique de congs gnreuse incluant 4 semaines de vacances par anne

Profiter d''un rgime d''avantages sociaux complet entirement pay par nesto, incluant un rgime d''assurance de premier plan et un accs illimit la tlmdecine et aux services de sant mentale, pour vous et votre famille

Accs un budget annuel de sant et de mieux-tre

Possibilit de travailler en mode hybride Diversit et inclusion Chez nesto, nous croyons que la crativit et la collaboration sont le rsultat d''une quipe diversifie.

Nous sommes engags favoriser une culture de la diversit, de l''quit, de l''inclusion et de l''appartenance, et nous encourageons fortement les femmes, les personnes de couleur, les membres de la communaut LGBTQIA+ et les personnes en situation de handicap postuler.

Nous nous engageons crer un environnement de travail inclusif et accueillant pour tous.

Ce poste est ouvert tous les candidats et candidates et peut tre occup distance depuis n''importe o au Canada. -- The bright side of mortgages nesto is Canadas leading digital residential mortgage lender, offering Canadians the lowest rates from the get-go with total transparency and no haggling.

About Us As Canada''s pioneer in online mortgage lending, nesto is transforming the way Canadians finance their homes.

Our mission is to offer a positive, empowering, and transparent property financing experience, simplified from start to finish.

Borrowers benefit from rates that are often lower than those offered by the big banks, along with an exceptional end-to-end mortgage experience powered by best-in-class AI technology.

Fast, simple, and fully digital, nesto has been recognized as CLA Lender of the Year for three consecutive years.

That''s the bright side of mortgages.

Nesto Group Nesto Group is Canada''s leading provider of mortgage technology and financing solutions, with more than CAD $80 billion in residential and commercial mortgages under administration.

Trusted by many of the country''s leading financial institutions, we combine over 50 years of mortgage expertise with proprietary cloud and AI technology to transform the future of lending.

Powered by our proprietary cloud and AI technology, nesto has become one of Canada''s fastest-growing mortgage lenders, gaining market share across direct-to-consumer (D2C) residential lending, the broker channel, and multi-family commercial lending.

Recognized as one of Deloitte''s Fast 50 companies for three consecutive years, we continue to push the industry forward through innovation, technology, and customer-focused solutions.

Operating through our family of brands CMLS , nesto , and Nesto Cloud our mission is to build Canada''s mortgage ecosystem of the future and create a true Canadian champion in lending technology and financial services.

Learn more at: Life at nesto At nesto, we''re passionate about challenging the status quo and building a better mortgage experience and saving money on their mortgages for Canadians.

We foster a culture of collaboration, transparency, and creativity where every team member is empowered to take ownership, make an impact, and grow.

If you''re looking to solve meaningful problems alongside ambitious, supportive teammates, you''ll feel right at home here.

About the team Were a team of doers who believe compliance should support the business, not stand in its way.

We work side by side with teams across nesto Group to design smart, compliance-based processes that are clear, practical, and easy to follow.

Were hands-on, collaborative, and focused on getting things right, not just from a regulatory perspective, but also in a way that makes sense for how the business actually operates.

This role reports directly to the Senior Director, Trust & Safety and will work closely with teams across nesto Group.





If youre motivated by impact and thrive in a fast-moving environment where you can take ownership and drive meaningful change, this role is for you.

About the role Two positions | Reports to: Senior Director, Trust & Safety As an AML Compliance Law Clerk, you will administer and maintain CMLS''s commercial mortgage AML/ATF compliance program.

Reporting to the Senior Director, Trust & Safety, this role is based in Toronto or Montreal and is responsible for completing know-your-client (KYC) processes, conducting complex beneficial ownership determinations for corporations, trusts, and partnerships, evaluating and documenting client risk, and conducting periodic client reviews.

You will also handle AML escalations, including the preparation and submission of Suspicious Transaction Reports (STRs) directly to FINTRAC, and ensure all compliance records are accurately maintained in accordance with PCMLTFA requirements.

You''ll support audit and FINTRAC examination readiness and help ensure our program remains current with evolving regulatory requirements and guidance.

In this role, your work will include: Client Due Diligence & KYC Conduct full KYC onboarding reviews for commercial borrowers, guarantors, indemnitors, and related parties

Conduct enhanced due diligence on a risk-assessed basis

Collect and validate corporate documentation, including articles of incorporation, share registers, trust deeds, and partnership agreements

Identify and verify beneficial ownership in complex, multi-layered, and multi-entity structures, documenting ownership charts with clear evidentiary records

Conduct periodic KYC refresh reviews on existing clients in accordance with their assigned risk tier

Update client risk ratings in response to material changes or scheduled risk tier reviews Risk Assessment Apply CMLS'' AML risk rating methodology at onboarding and throughout the client relationship, including geographic and industry risk, PEP exposure, and adverse media

Ensure all risk rating rationale is clearly documented and audit-defensible Sanctions & Screening Conduct sanctions, PEP, and adverse media screening at onboarding and on an ongoing basis, documenting outcomes and escalating as appropriate to the Senior Director, Trust & Safety Suspicious Transaction Reporting Identify and document transactions or behaviours that may give rise to reasonable grounds to suspect money laundering or terrorist financing

Prepare and submit Suspicious Transaction Reports to FINTRAC, escalating to the Senior Director, Trust & Safety as appropriate File Integrity & Regulatory Readiness Maintain complete, well-organized AML files in accordance with PCMLTFA record-keeping requirements

Support internal audits and FINTRAC examinations, responding to regulatory enquiries in collaboration with the Senior Director, Trust & Safety

Assist in maintaining and updating AML procedure documentation, checklists, and templates as directed Career development Maintain current knowledge of FINTRAC guidance, PCMLTFA obligations, and AML/ATF best practices as they apply to the mortgage sector Who we''re looking for: You''re a doer.

You have a sharp eye for detail and a genuine interest in how corporate structures work.

You''re comfortable working through complexity, you take your files seriously, and you know that in this kind of work, the documentation is everything.

You thrive in a role where precision matters and where the work you do has real regulatory weight behind it.

Youll be successful if you have A paralegal or law clerk diploma or equivalent legal training5+ years of experience in corporate law or commercial real estate transactions, with extensive exposure to complex entity structuresA deep understanding of corporate structures and documentation, including multi-layered and multi-entity ownership arrangements

Strong documentation discipline and ability to maintain clear, thorough, and audit-defensible records

High attention to detail and exceptional analytical skills

Sound judgment in identifying and escalating risk indicators

Ability to handle sensitive and confidential information with discretion

Experience in KYC, regulatory compliance, or familiarity with PCMLTFA and FINTRAC guidance is an asset

French-English bilingualism is required for the Montreal position and considered a strong asset for the Toronto position Why You''ll Love Working Here We believe great people do their best work when they''re supported professionally, personally, and financially.

That''s why we offer a comprehensive rewards package designed to help you thrive at every stage of your career.

Competitive Rewards Competitive compensation, performance incentives (where applicable), and recognition for your contributions.

Health & Wellness Comprehensive medical, dental, and vision coverage, Health & Wellness Spending Accounts (where applicable), telemedicine, Employee Assistance Programs, and mental health support for you and your family.

Time to Recharge Generous vacation (4 weeks), floater days, and statutory holidays to help you recharge.

Planning for the Future RRSP matching to support your long-term financial wellbeing.

Family Support Enhanced maternity and parental leave top-up programs.

Learning & Growth Education assistance, mentorship, training, and opportunities to build your career across Nesto Group.

Tools for Success Modern technology, collaborative teams, and the resources you need to do your best work.

Diversity, Equity & Inclusion At Nesto Group, we believe diverse perspectives make us stronger.

We are committed to fostering an inclusive workplace where everyone feels respected, supported, and empowered to succeed.

We welcome applications from people of all backgrounds, including Indigenous Peoples (First Nations, Inuit, and Mtis), persons with disabilities, members of racialized communities, women, and members of the 2SLGBTQIA+ community.

If you require accommodation during any stage of the recruitment process, we are committed to working with you to meet your needs. - PI6a82c2a9407b-30511-41601136

📌 Technicien(ne) juridique – Conformité LAB - AML Compliance Law Clerk (Calgary)
🏢 nesto
📍 Calgary