Who We Are
Jocelynn Hawkins
Founder, Ledger & Advisory
With an incredible 25+ years of experience in FinTech and banking, Jocelynn is a powerhouse in Canadian compliance, leading the charge in regulated financial products, card issuing and lending! Her expertise shines in AML/ATF programs, brilliantly embedding compliance into product delivery while accelerating time-to-market. Jocelynn is all about building trusted relationships with regulators, banks, and boards, ensuring success at every turn!
FINTRAC Compliance, AML/ATF Policy & Risk Assessments, Greenbelt Lean, Product & Efficiency
Who You Are
Licensed Canadian Mortgage Broker or Brokerage
Offerings:
Establish a Compliance Program focused on:
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Know your client
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Record Keeping
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Transaction Reporting
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Idendifying PEP/HIO's
Core
Business Entities
Offerings:
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Vendor Contract/Invoice Review for Market Rates
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Internal Process review for efficiencies
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Policy/Standard Operating Procedure Reviews
Core
Our Consulting Services
Review
AML/ATF Health Check
Compliance
Full AML/ATF Program Build
Efficiency
Company Efficency Review
Monitor
Compliance Audit Options
What FINTRAC will ask for - and what most brokers don't have
Outdated or generic policies
A template from your broker association, unchanged since 2019, will not satisfy an examiner in 2025. Policies must reflect your actual business.
No written risk assessment
The first thing FINTRAC asks for. Most brokers have never completed one. Without it, your examination will not go well.
No STR process in place
Many brokers don't know when they're obligated to file a Suspicious Transaction Report — or how. This is one of the most cited deficiencies.
As a mortgage broker, you are a designated reporting entity under the PCMLTFA. FINTRAC requires a complete, documented AML/ATF compliance program — not a template you downloaded five years ago.
No documented training records
Annual AML training is required for all applicable staff. FINTRAC wants documented completion records — not your recollection of a hallway conversation.