Description Please note: This is a CONTRACT OPPORTUNITY until April 2nd, 2027.

This role is designated as “Hybrid” as per Fidelity Canada’s Dynamic Working Policy.

Current Work Authorization is required for all openings.

The work location for this role is 483 Bay Street in Toronto until approximately late 2026, when the work location will change to the new Mississauga office at 3 Robert Speck Parkway.

What We Do Fidelity Clearing Canada (FCC) is the leading independent clearing broker and custodian in the Canadian market.

We provide trade execution, clearing, custody and back-office support services to Canadian-based brokerage firms and the Canadian brokerage arms of U.S.-based firms.

For more information about Fidelity Clearing Canada, please visit What You Will Do The Registered Products Administrator will have the opportunity to learn about not only our company, but also the niche market of clearing, custodial and trade execution services.

The Registered Products team is responsible for settlements with our Trustee, RSP and TFSA contributions/deregistration’s, RESP administration, RRIF/LIF payment setup/recurring events, RRSP to RRIF rollovers, and Pension plan unlocking/administration.

Processes all RESP withdrawals and transfer requests Coordinates the timing and generation of ESDC monthly in/out grant files.

Reconciles monthly RESP grant payment from ESDC with our system Review and examine all incoming registered plan transactions (RRSP, TFSA, RRIF, LIF, RESP, FHSA, LIRA, and pension unlocking) to verify compliance with the Income Tax Act (Canada), CIRO regulatory requirements, and firm policies.

Examine registered plan account structures to confirm adherence to statutory provisions governing contribution limits, withdrawal conditions, attribution rules, and tax-deferred accumulation requirements under the Income Tax Act.

Investigate and resolve registered plan irregularities — including contribution overages, ineligible withdrawals,



locked-in account discrepancies, and ESDC grant variances — and escalate issues requiring management intervention within prescribed SLA deadlines.

Maintain comprehensive audit trails for all registered plan transactions to meet the record-keeping requirements of CIRO, the Canada Revenue Agency, and internal compliance standards.

Reconcile daily Trustee settlements for registered plan transactions, investigating and correcting cash and security discrepancies within the settlement cycle.

Coordinate monthly ESDC grant files for RESP accounts, reconcile government grant payments against internal records, and resolve variances with Employment and Social Development Canada.

Process registered plan lifecycle events — including RRSP-to-RRIF conversions, spousal attributions, and beneficiary designations — ensuring full compliance with applicable Income Tax Act provisions.

Advise internal business units and external investment advisors on the regulatory constraints governing registered plan transactions, including locked-in unlocking criteria, financial hardship provisions, Home Buyers’ Plan, Lifelong Learning Plan, and RESP Educational Assistance Payment conditions.

Collaborate with Tax, Estates, Transfers, Compliance, and Client Account Maintenance departments to ensure registered plan operations comply with evolving CIRO requirements and CRA reporting obligations.

Recommend and implement improvements to registered plan compliance procedures and control workflows to reduce operational risk and strengthen regulatory audit integrity.

What We Are Looking For: Education, Experience:



Post-secondary education completed or equivalent work experience Minimum of 1 - 2 years’ of experience in the financial services industry.

You are familiar with different account types such as Non-Registered Accounts (Cash, Margin, Joint etc.) as well as Registered Accounts (RRSPs, TFSAs, RESPs etc).

Excellent MS Excel skills The following are assets: Knowledge of and/or experience in the brokerage industry Completion of, or enrolment in, a financial services industry program (e.g. CSC) Bilingual (verbal and written) in French and English Expertise You Will Bring: You are an effective team player and are also able to work independently.

You have strong written and verbal communicator.

You have an eye for detail and strong time management skills.

You are passionate about delivering quality customer service, striving to exceed customers' expectations.

You work independently in a rapid-paced environment.

Competitive Pay for Specialized Talent This contract role offers a flexible, hourly compensation model that reflects your expertise and the value you bring.

The hourly rate ranges from $26.00 to $30.00 , based on experience and qualifications.

We offer market-aligned rates that recognize the specialized skills and agility required for this role.

We’re proud to offer a compensation package that aligns with provincial pay transparency requirements .

This posting is for an existing vacancy within our organization.

We use AI-enabled Linked

In Hiring Assistant to support parts of our sourcing process.

Every hiring decision is reviewed and finalized by our recruiters.

If you choose to ask questions to the Linked

In HR Hiring Assistant, please be mindful that the responses are not official and must be confirmed for accuracy and completeness by Fidelity.

If you are selected for an interview, the recruiter who contacts you can best answer your questions.

📌 Registered Products Administrator (Mississauga)
🏢 Fidelity Investments
📍 Mississauga