About this position Nous vous offrons
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The bright side of mortgages
nesto is Canada’s 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 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: https://nestogroup.ca/
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 We’re 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. We’re 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 you’re 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
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
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
Professional 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.
You’ll be successful if you have A paralegal or law clerk diploma or equivalent legal training
5+ years of experience in corporate law or commercial real estate transactions, with extensive exposure to complex entity structures
A 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 outstanding 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 —

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