Technicien(ne) juridique – Conformité LAB - AML Compliance Law Clerk

Nesto Winnipeg, Manitoba, Canada

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 rapid-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 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 Métis), 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.

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