AML & Compliance Analyst

Heartwood Financial Group; Toronto; On-site; CAD 65,000 - 90,000; Full time

Job summary

Heartwood Financial Group Inc. is seeking an AML & Compliance Analyst to support its AML/ATF, KYC, and broader regulatory compliance program in Canada. The role is suitable for a junior-to-mid-level compliance professional seeking growth.

You will perform KYC/KYB reviews, conduct enhanced due diligence, review sanctions/PEP reports, assist with FINTRAC filings, and maintain policies. Collaboration with underwriting, operations, legal, and senior management is expected.

Qualifications

• 2–4 years of AML/compliance experience in regulated financial services.
• Education in business/finance or related field.
• Knowledge of FINTRAC expectations and Canadian AML/ATF rules.
• Familiarity with sanctions screening and due diligence.
• Interest in CAMS/CFCS certification is a plus.

Responsibilities

• Complete KYC and KYB reviews for borrowers and entities.
• Perform AML risk assessments and enhanced due diligence.
• Review sanctions and PEP reports and document decisions.
• Identify AML red flags in mortgage transactions and escalate.
• Prepare Suspicious Transaction Reports and FINTRAC filings.
• Maintain AML policies and audit trails; support examinations.
• Collaborate with underwriting, operations, legal, and management.

Skills

Analytical thinking

Documentation

KYC knowledge

Education

Post-secondary education in business/finance/accounting/economics/criminology/law

Tools

Sanctions.io

Mortgage Automator

CAMS/CFCS

Job description

Heartwood Financial Group Inc. is a Canadian alternative mortgage lender focused on providing practical, common-sense lending solutions to mortgage brokers and their clients. We combine strong credit judgment, responsive service, technology, and disciplined risk management to provide flexible financing solutions while maintaining a strong commitment to regulatory compliance and responsible lending.

As Heartwood continues to grow, we are looking for an AML & Compliance Analyst to support our Anti-Money Laundering (AML), Anti-Terrorist Financing (ATF), Know Your Client (KYC), and broader regulatory compliance program.

The Role

The AML & Compliance Analyst will be responsible for supporting the day-to-day execution of Heartwood's AML/ATF compliance program and assisting with the identification, assessment, investigation, documentation, and escalation of potential financial crime/fraud risks.

This is an excellent opportunity for a junior-to-mid-level compliance professional looking to expand their experience within the Canadian financial services and mortgage lending industry.

The successful candidate will be detail-oriented, analytical, comfortable reviewing complex borrower and corporate structures, and able to exercise sound judgment when identifying and escalating potential compliance concerns.

Key Responsibilities

• Complete KYC and KYB reviews for borrowers, guarantors, and corporate entities, including beneficial ownership.
• Conduct AML risk assessments and Enhanced Due Diligence, including source-of-funds review, on higher-risk relationships and transactions.
• Review sanctions and PEP reports using Sanctions.io, conduct and review adverse media searches, investigate matches and document decisions.
• Review mortgage transactions for AML red flags and fraud indicators; document findings and escalate findings to the Chief Anti-Money Laundering Officer.
• Assist with preparing Suspicious Transaction Reports and other FINTRAC filings.
• Maintain AML policies, compliance records, and audit trails; support FINTRAC examinations and periodic risk assessments.
• Support the development and implementation of compliance programs for corporate activities under other applicable regulatory schemes.
• Work closely with Underwriting, Operations, Funding, Servicing, Sales, Legal, and senior management.

Qualifications

• Approximately 2–4 years of experience in AML, compliance, KYC, financial crime, banking, lending, mortgages, fintech, or another regulated financial services environment.
• Post-secondary education in Business, Finance, Accounting, Economics, Criminology, Law, or a related field.
• Working knowledge of Canadian AML/ATF requirements and FINTRAC expectations.\
• Strong analytical and investigative skills, sound judgment, and clear documentation habits.
• Experience with Sanctions.io, Mortgage Automator, or mortgage lending generally, and CAMS/CFCS certification (or interest in one), are assets.

Why Join Heartwood

This role provides an opportunity to gain broad exposure to AML, mortgage lending, underwriting, operations, and regulatory compliance within a growing Canadian financial institution. You will have the opportunity to work closely with experienced leaders, take ownership of meaningful compliance responsibilities, and help shape processes as Heartwood continues to expand.