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Ontario

FINTRAC Compliance for Ontario REALTORS®

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Staying compliant with FINTRAC requirements in Ontario is essential, but it shouldn’t slow down your business. Fintracker brings client identification, record-keeping, and reporting into one secure platform built specifically for real estate professionals helping you stay compliant, audit-ready, and focused on closing deals.
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Fintracker Member Benefit Real Estate Boards & Associations in Ontario

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Why Ontario REALTORS® Use Fintracker

FINTRAC enforcement continues to increase across Canada, and manual compliance processes create unnecessary risk. Fintracker embeds FINTRAC requirements directly into the real estate workflow, standardizing compliance across every transaction so nothing is missed.
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How Fintracker Supports FINTRAC Compliance in Ontario

Fintracker supports Ontario real estate professionals at every stage of a transaction by completing required FINTRAC steps within one secure system.

  • Secure digital ID verification and guided client onboarding
  • Automatic completion of real estate records, including CREA Standard Forms
  • Centralized, encrypted storage for all compliance documentation
  • Consistent workflows that reduce errors and duplicate work

Key FINTRAC Requirements in Ontario

Ontario REALTORS® must meet obligations under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act (PCMLTFA). Fintracker aligns its workflows with these legal requirements to support accurate, defensible compliance.

Know Your Client (KYC): Verify client identity using approved methods and maintain accurate records. Fintracker supports secure ID verification and automatic completion of required real estate documentation.

Anti-Money Laundering (AML): Assess client risk, monitor transactions, and apply enhanced measures when required. Fintracker guides REALTORS® through AML requirements and documents risk assessments clearly.

Record-Keeping & Reporting: Retain required records and submit reports when necessary. Fintracker securely stores all documentation, making audits and reviews straightforward.
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Know Your Client (KYC) Requirements

REALTORS® must verify the identity of every buyer and seller involved in a transaction. This includes confirming government-issued ID, identifying beneficial owners when dealing with corporations or entities, and determining whether a third party is involved. Once a business relationship is established, ongoing monitoring is required to ensure client activity aligns with expected behaviour.
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Anti-Money Laundering (AML) Measures

Real estate professionals must assess the risk associated with each client and transaction. This includes identifying politically exposed persons (PEPs), recognizing unusual or high-risk activity, and applying enhanced due diligence when necessary. When certain red flags appear, REALTORS® may be required to submit Suspicious Transaction Reports or Large Cash Transaction Reports to FINTRAC.
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Record-Keeping and Reporting Obligations

REALTORS® are required to keep detailed records of client identification, transaction information, and any reports submitted to FINTRAC. These records must be retained securely for at least five years and be readily accessible during audits or regulatory reviews. Timely reporting of large cash or suspicious activities is also a key part of maintaining compliance.
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Getting Started with FINTRAC Compliance in Ontario

  • Understand your FINTRAC obligations, including identification, monitoring, and reporting requirements.
  • Set up your Fintracker account to match your brokerage workflow.
  • Use Fintracker for every client onboarding with guided KYC and AML workflows.
  • Centralize all records securely to remain audit-ready.

Start Your FINTRAC Compliance Journey in Ontario

Book a Fintracker demo to see how Ontario REALTORS® simplify FINTRAC compliance while protecting their business and clients.
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Fintracker is a digital FINTRAC solution created to reduce wasted paper, time, and money for the real estate industry.
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