Solutions — Mortgage & Lending
Verify borrowers faster, catch fraud earlier
FINTRAC-compliant identity verification for mortgage brokers and lenders. Borrowers verify in under 2 minutes — you get a full compliance report, risk scoring results, and an audit trail.
Capabilities
Everything from application to compliance file
Borrower identity verification
Government-grade document verification with biometric face matching. Catches synthetic identities and document fraud before underwriting begins.
PEP declaration + risk scoring
PEP self-declaration collected from every borrower. Configurable risk scoring flags high-risk profiles for enhanced due diligence.
FINTRAC compliance
Meets client identification and record-keeping requirements under PCMLTFA. Automated audit trail and compliance documentation for every file.
Under 2 minutes
Borrower receives a verification link and completes the process on their phone. No branch visit, no app download, no delay.
Document authentication
AI-powered verification of pay stubs, bank statements, and government IDs. Detects forgeries and cross-document inconsistencies.
REST API + Webhooks
Integrate directly with your loan origination system. HMAC-signed webhooks deliver verification outcomes in real time.
Workflow
From application to verified file in minutes
Step 01
Send at application
When a borrower applies, send them a verification link from the Athenty portal or via your API integration. Takes seconds.
Step 02
Borrower verifies remotely
They capture their government ID and take a biometric selfie on their phone — no app download, no branch visit.
Step 03
Risk scoring runs automatically
Document authentication, biometric matching, PEP declaration collection, and risk scoring run in real time.
Step 04
Compliance file ready
You receive a full compliance report with risk score, verification result, and audit trail — ready for your file and any regulatory review.
Regulatory context
Obligations that apply to mortgage lenders
Mortgage brokers and lenders in Canada are subject to FINTRAC reporting obligations and provincial licensing requirements. Athenty is built to satisfy these requirements out of the box.
FINTRAC (PCMLTFA)
Mortgage brokers and lenders are reporting entities under FINTRAC. Client identification, beneficial ownership determination, and suspicious transaction reporting are all supported.
FSRA — Ontario
Borrower identity verification requirements for mortgage brokers and lenders operating in Ontario. Athenty is built for FSRA-aligned workflows.
Provincial compliance
Supports regulatory requirements across Canadian jurisdictions including BC BCFSA, Alberta RECA, and Quebec AMF for mortgage activity.
PIPEDA privacy
Consent management, data minimization, and breach notification obligations under PIPEDA. Canadian data residency — no cross-border PII transfer.