{"product_id":"mortgage-financing-leasing-aml-starter-kit-fintrac-new-sectors-word-excel","title":"Canadian Mortgage, Financing \u0026 Leasing AML Starter Kit — FINTRAC New Sectors (Word + Excel)","description":"\u003cp\u003eMortgage brokers, lenders, and administrators became FINTRAC reporting entities on October 11, 2024 — and financing and leasing businesses (including car dealers that offer financing) on April 1, 2025. There's no registration to apply for: the PCMLTFA obligations simply apply, and most businesses in these sectors are building an AML program for the first time. This kit is that program, written for your sector — 18 branded, fully editable templates, from the compliance program manual through source-of-funds verification and the scored risk assessment workbook.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eWhat's included (18 items):\u003c\/strong\u003e\u003c\/p\u003e\n\u003cul\u003e\n\u003cli\u003eAML\/ATF Compliance Program Manual — written for the mortgage and financing\/leasing sectors\u003c\/li\u003e\n\u003cli\u003eCompliance Officer Appointment Pack — appointment record, role charter, annual attestation\u003c\/li\u003e\n\u003cli\u003eEffectiveness Review Guide — the required two-year review, structured end to end\u003c\/li\u003e\n\u003cli\u003eKYC\/CDD Procedures — borrower\/lessee identification, beneficial ownership, risk ratings\u003c\/li\u003e\n\u003cli\u003ePEP\/HIO \u0026amp; Sanctions Screening Procedure\u003c\/li\u003e\n\u003cli\u003eTransaction Monitoring Procedure — origination and servicing-stage monitoring\u003c\/li\u003e\n\u003cli\u003eSTR Reporting Procedure — escalation to filing\u003c\/li\u003e\n\u003cli\u003eLarge Cash \u0026amp; EFT Reporting Procedure — LCTR\/EFTR and the 24-hour rule for funds you receive\u003c\/li\u003e\n\u003cli\u003eSource of Funds \u0026amp; Down Payment Verification Procedure — evidence standards by risk level, gift letters, third-party funds\u003c\/li\u003e\n\u003cli\u003eRecord-Keeping Procedure — the five-year retention standard\u003c\/li\u003e\n\u003cli\u003eMortgage Client KYC \u0026amp; Source of Funds Form (Word)\u003c\/li\u003e\n\u003cli\u003eFinancing \u0026amp; Leasing Client KYC Form (Word)\u003c\/li\u003e\n\u003cli\u003eStaff AML Training Program — including broker and dealer partners\u003c\/li\u003e\n\u003cli\u003eML\/TF Red Flags Quick Reference — sector typologies (straw buyers, third-party down payments, buyout patterns)\u003c\/li\u003e\n\u003cli\u003eAML Risk Assessment Workbook (Excel) — 17 sector risk factors, automatic inherent\/residual scoring\u003c\/li\u003e\n\u003cli\u003eReporting \u0026amp; Compliance Registers (Excel) — STR, LCTR\/EFTR, ID verification, and training logs with due-date helpers\u003c\/li\u003e\n\u003cli\u003eCopyright \u0026amp; Licence Terms\u003c\/li\u003e\n\u003cli\u003eStart Here Implementation Guide — including what \"new to FINTRAC\" actually requires\u003c\/li\u003e\n\u003c\/ul\u003e\n\u003cp\u003e\u003cstrong\u003eWho it's for:\u003c\/strong\u003e Canadian mortgage brokers, mortgage lenders, mortgage administrators, financing companies, leasing companies, and dealers that arrange financing — any business brought under the PCMLTFA in the 2024–2025 sector expansion that needs a complete, practical AML program without paying consulting rates to draft one from a blank page.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eHow it works:\u003c\/strong\u003e Download the ZIP, replace the [BRACKETED] placeholders with your organization's details, have senior management approve the manual, and follow the Start Here guide's implementation order. Every document carries professional formatting: document control, approval blocks, and review cycles built in.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003ePlease note:\u003c\/strong\u003e Templates and general information, not legal advice. FINTRAC's guidance for these sectors is recent and evolving; confirm your category, thresholds, and deadlines against current FINTRAC guidance and have your program reviewed by qualified Canadian counsel before relying on it.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eCopyright \u0026amp; licence:\u003c\/strong\u003e © 2026 Zee Consulting. All rights reserved. This product and everything in it is the intellectual property of Zee Consulting. Your purchase gives one named organization a licence to use and customize the documents for its own internal business — nothing more. The files must not be resold, shared, redistributed, sublicensed, or given to clients or any other organization, in original or modified form. Anyone who uses these materials without a licence is infringing copyright, and Zee Consulting reserves the right to pursue litigation and claim damages and legal costs to the fullest extent permitted by law. The full Copyright \u0026amp; Licence Terms are included in the download (Copyright_and_Licence_Terms.docx) and inside the Start Here guide.\u003c\/p\u003e\n\u003cp\u003e\u003cstrong\u003eRequirements:\u003c\/strong\u003e Microsoft Word and Excel (or compatible: Google Docs\/Sheets, LibreOffice). Instant download after purchase — no shipping, no waiting.\u003c\/p\u003e\n","brand":"Zee Consulting","offers":[{"title":"Default","offer_id":67829748400315,"sku":"ZEE-MFL-005","price":299.0,"currency_code":"CAD","in_stock":true}],"thumbnail_url":"\/\/cdn.shopify.com\/s\/files\/1\/0777\/6570\/5915\/files\/mortgage-financing-leasing-cover.png?v=1792691879","url":"https:\/\/zeeconsulting.myshopify.com\/products\/mortgage-financing-leasing-aml-starter-kit-fintrac-new-sectors-word-excel","provider":"Zee Consulting Templates","version":"1.0","type":"link"}