About this position

Nous vous offrons

--

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 Rapid 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 Lead, 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

Four positions | Reports to: Senior Lead, Trust & Safety

As an AML Compliance Analyst, you will administer and maintain CMLS's commercial mortgage AML/ATF compliance program. Reporting to the Senior Lead, 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

📌 Analyste Confirmité LAB (Toronto)
🏢 nesto
📍 Toronto