Compliance as a Service
FSRA-aligned compliance support for Ontario mortgage brokerages. File audits, KYC and disclosure remediation, and Policies & Procedures manuals — without hiring a full-time compliance officer.
Run a Tighter Brokerage
The compliance infrastructure most brokerages need — without the cost of building it in-house.
Audit-Ready, Always
Stop hoping your files would pass. We document, sample, and remediate so an FSRA exam is a confirmation — not a discovery.
Cleaner Files, Faster
Standardized disclosures, KYC playbooks, and suitability templates that agents actually use. Less rework, fewer kickbacks.
Outsourced Compliance Officer
Get the equivalent of a part-time compliance hire for a fraction of the cost. Pay per file or monthly — no full-time salary.
Ongoing Agent Training
Quarterly sessions on FINTRAC, ethics, conflict-of-interest, and current FSRA priorities. Attendance documented for your file.
Living Policies & Procedures
A P&P Manual that's actually current. We rewrite, version, and update as rules change — not once a decade.
Confidential & Discreet
We work behind the scenes. Findings stay between us, and remediation happens on your timeline — not on FSRA's.
Where Compliance Quietly Breaks
The moments where a Compliance-as-a-Service partner pays for itself — whether you're a one-agent shop or a 50-agent brokerage.
“I don't know if my files would survive an FSRA audit today.”
FSRA's exam framework is risk-based and unpredictable. A single missing disclosure or weak KYC trail can trigger findings that escalate quickly.
We give you a checklist tailored to your file mix and walk you through what an examiner actually looks for.
Get a structured pre-audit gap report so you can fix issues quietly — long before a regulator names them.
KYC, FINTRAC, and identity verification keep slipping.
Reliable methods, beneficial-ownership rules, and PEP screening change. A miss isn't just a finding — it's a fineable offence.
We give you a one-page KYC playbook and review your first ten files to lock in the habit.
Hand off the audit. We sample your files monthly and tell you exactly which agents need a refresher.
My disclosures and Form 1s are inconsistent across agents.
Suitability assessments, lender disclosures, and conflict-of-interest forms vary deal to deal. Inconsistency is itself a finding.
Use our standardized templates aligned to current FSRA expectations. Stop reinventing the wheel on every file.
We rewrite your disclosure suite once, train your team, and audit adoption monthly.
Our Policies & Procedures Manual is outdated (or doesn't exist).
Every brokerage needs a current P&P manual covering supervision, complaints, privacy, and AML — yours is what regulators ask for first.
Start with our model manual, customized to your brokerage's structure and lender mix.
We review and update your manual annually, and document every revision for the regulator's file.
My agents need training, but I don't have time to deliver it.
Continuing education, ethics, AML refreshers, and conflict-of-interest training are all expected — and rarely happen on schedule.
Sit in on our recorded training modules and get a certificate of completion for your file.
We deliver quarterly live training to your team and keep the attendance log on your behalf.
A complaint or investigation just landed on my desk.
Complaints, suitability disputes, and regulatory inquiries have hard response deadlines. The first 72 hours shape the outcome.
Get a calm second opinion before you respond. We help you draft a clean, timely reply.
Tap a senior compliance hand for incident response — investigation strategy, document preservation, and FSRA correspondence.
Pick Your Level of Coverage
Audit a single file, retain us monthly, or engage us to build your full Policies & Procedures suite from the ground up.
File Audit
Per-file compliance review. Confirm KYC, disclosures, and suitability are documented before the file is closed.
- FINTRAC / KYC verification check
- Disclosure & suitability review
- Form 1 and conflict-of-interest audit
- Written gap report with remediation steps
Brokerage Partner
Outsourced compliance officer for small brokerages and team leaders. We sample, train, and document monthly.
- Monthly random-sample file audits
- Agent compliance training session
- Policies & Procedures Manual updates
- FSRA reporting & complaint logging
- Email support for live deal questions
P&P Manual Build
Custom Policies & Procedures Manual plus a complete disclosure and KYC template suite for your brokerage.
- Custom Policies & Procedures Manual
- Disclosure & Form 1 template suite
- KYC / FINTRAC playbook tailored to you
- Agent rollout session + attendance log
- One annual refresh included
Brokerages with 10+ agents — talk to us about a custom Principal Broker support package.
How It Works
From initial scoping call to ongoing compliance coverage in three steps.
Discovery Call
30-minute call to understand your brokerage size, file mix, current state of disclosures, and any open regulator matters.
Baseline Audit
We sample files, review your P&P manual, and deliver a written gap report with prioritized remediation steps.
Ongoing Coverage
Pick a package — per file, monthly retainer, or a one-time P&P build. We handle the rest and document everything.
Need help structuring or submitting a deal?
Our Underwriting-as-a-Service team handles file review, deal structuring, and lender-specific submission notes — starting at $100 per file.
Get ahead of compliance — quietly.
Book a free 30-minute consult. We'll tell you the three things to fix this week, no obligation.