We build AI for Canadian banks, credit unions, lenders and wealth firms: KYC files reviewed, payments reconciled and advisors answered from your own policies, with every model inventoried and every decision logged.
AI for financial services in Canada has moved past fraud scores and chatbots. The large banks run machine learning across credit, fraud and AML, and mid-size lenders, credit unions and wealth firms now want the same gains in the back office: onboarding files, reconciliations, complaints and advisor questions. The constraint is rarely the model. It is governance.
OSFI’s revised Guideline E-23 brings AI and machine learning explicitly into model risk management from May 2027, and the AMF’s AI guideline for Québec institutions takes effect the same month. That makes 2026 the year to build AI the way examiners will expect to see it: inventoried, validated, monitored and explainable to a customer.
Identity documents, articles of incorporation and beneficial ownership charts are checked by hand, so new accounts wait days for a file a person reads in minutes.
Payments, bank files and ledger entries are matched in spreadsheets, and unexplained breaks roll from one month-end to the next.
Advisors and contact-centre staff search intranets and PDFs for product rules and procedures, and give different answers to the same question.
Teams experiment with generative AI faster than risk, compliance and procurement can assess it, so useful work stalls at the approval stage.
Identity documents, corporate records and beneficial ownership information are read, checked against your FINTRAC procedures and summarized, with gaps flagged for an analyst.
Analysts review exceptions, not every page of every file
Delivered by Document processingAn agent matches bank files, payment processor reports and ledger entries, explains each break and proposes the adjusting entry for approval.
Month-end starts with a short list of explained breaks
Delivered by AI agents for operationsStaff ask questions in plain language and get answers drawn from your product guides, procedures and rate sheets, with a link to the exact source.
One answer to a policy question, with the page it came from
Delivered by AI assistants on your company knowledgeComplaints arriving by email, web form and call notes are classified, linked to the account and routed with deadlines tracked against your complaint procedure.
No complaint waits in a shared inbox without an owner
Delivered by AI agents for operationsDelinquency, prepayment and deposit models built on your own history, documented to the standard your model risk function expects.
Forecasts that arrive with their assumptions and validation file
Delivered by Forecasting and analyticsClean, logged connections between your core, loan origination system, CRM and data warehouse, so AI tools read current data instead of nightly exports.
Staff stop re-keying the same client data into three systems
Delivered by Systems integration and automationCanadian financial regulators expect you to know every model you run, who supplies it and how it behaves. We design for those expectations from the first sprint and hand over the documentation your second line will ask for. We do not certify compliance; your risk and legal teams stay accountable, and we make their review faster.
The revised guideline, effective May 1, 2027, covers AI and machine learning models across their lifecycle. Every model we deliver comes with an inventory entry, intended use, validation results and monitoring thresholds.
Federally regulated institutions stay accountable for services provided by third parties, including model providers. We document each vendor, data flow and exit path, and run everything in your cloud account.
AI systems are technology assets like any other. We apply your identity provider, least-privilege access, encryption keys, change management and logging so the system fits your existing B-13 controls.
Identity verification, beneficial ownership and record-keeping obligations under the Proceeds of Crime (Money Laundering) and Terrorist Financing Act stay with your compliance team. AI prepares and checks the file; a person makes the call and the record is kept.
Québec-authorized insurers, cooperatives and trust companies face AMF expectations on AI risk classification, governance and fair treatment of clients from May 2027. We document each system against them in French and English.
We complete a privacy impact assessment, keep data in Canadian regions and, where a decision is based solely on automated processing, design the notice and human review Law 25 requires.
We work with the cores, origination platforms and CRMs Canadian institutions already run, through their APIs, file feeds or data warehouse, and we never require you to replace one to use AI.
In a free 30-minute call we’ll look at one workflow, from KYC to reconciliation, and tell you what AI could take on, what your model risk and privacy teams will need to see, and how long it would take.
30 minutes with a senior engineer. No sales pitch, no obligation.
