# Fintrac

# SOP: FINTRAC Compliance for REALTORS®

### **Purpose**

To ensure all REALTORS® at Century 21 Heritage Group comply with Canada’s anti-money laundering (AML) and anti-terrorist financing (ATF) obligations under FINTRAC, using approved procedures and tools—including the <span class="s2">**Fintracker app**</span>.

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### **Why This Matters**

FINTRAC (Financial Transactions and Reports Analysis Centre of Canada) requires all REALTORS® to complete and document due diligence on clients involved in real estate transactions. Failure to comply may result in audits, heavy penalties, or disciplinary actions.

Century 21 Heritage Group has adopted <span class="s2">**Fintracker**</span>, a digital compliance tool, to help agents accurately and securely meet their obligations for each transaction.

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### **What Is Fintracker?**

Fintracker is a digital app used to:

- Verify client identity through government-issued ID
- Complete required FINTRAC forms digitally
- Produce a PDF to be uploaded into the Skyslope file or sent directed to your office Admin to have them submit in the Skyslope file
- Maintain a permanent audit trail

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### **Agent Responsibilities – Step-by-Step**

#### **1. Install and Set Up Fintracker**

- Download the <span class="s1">**Fintracker app**</span> on your mobile device from the App Store or Google Play.
- <span class="s1">Log in using your </span>**Century 21 Heritage Group email address**<span class="s1">.</span>
- Contact compliance or onboarding support if you experience login issues.

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#### **2. Use Fintracker for Every Transaction**

<span class="s3">For </span>**every trade (purchase/sale) or when receiving funds**<span class="s3">, follow these steps:</span>

1. **Open Fintracker**
2. Start a new transaction
3. Use the app to:
    
    
    - <span class="s1">**Verify client identity**</span> (scan ID, selfie verification, or manual entry)
    - **Complete the following forms**<span class="s1">, as applicable:</span>
        
        
        - Individual Identification
        - Receipt of Funds Record (ROFR)
        - Third Party Determination
        - Politically Exposed Persons (PEP) / Head of International Organization (HIO)
4. **Export or link the completed file**<span class="s1"> to your </span>**Skyslope transaction or send to front desk.**

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#### **3. When Funds Are Received**

- Use the <span class="s1">**ROFR form in Fintracker**</span> anytime you receive a deposit or other funds directly.
- Exemptions: Funds received via a lawyer do not require this form—but note the source in Skyslope.

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#### **4. Suspicious Activity**

- If something seems off (unusual payment method, evasiveness, third-party activity):
    
    
    - DO NOT alert the client
    - <span class="s1">Contact your </span>**Broker of Record**<span class="s1"> or </span>**Compliance Officer**<span class="s1"> immediately</span>

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#### **5. Internal Reminders**

- <span class="s1">**Do not bypass Fintracker**</span> for any transaction requiring FINTRAC documentation.
- **All FINTRAC documents must be generated through the app**<span class="s1"> to ensure a standardized, auditable format.</span>

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### **Document Storage**

- Fintracker automatically syncs or exports the forms to <span class="s1">**Skyslope**</span>.
- Ensure the documents are visible and properly categorized in the deal file.

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### **Training and Support**

- Attend all <span class="s1">**mandatory FINTRAC training sessions**</span> hosted by the brokerage.
- For technical help with Fintracker, contact the <span class="s1">**support team**</span> listed in the Brokerage Hub or onboarding guide.

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### <span style="text-decoration: underline;">[Click Here To Access The Company Compliance Manual ](https://drive.google.com/file/d/1np_eKoRkmnCoao8KNvzNq351xl_NXHxX/view?usp=share_link)</span>