Financing Officer - Northern Ontario

This role contributes to the overall success of the Real Estate Secured Lending (RESL) business in Canada by supporting mortgage-related fraud, AML, and reputational risk reviews across branch, broker, and Home Financing Advisor (HFA) channels. The Senior Analyst conducts file reviews, enhanced due diligence assessments, income verification and accountant statement follow-up, and analytics-driven sampling to identify misrepresentation, emerging patterns, key risk indicators, and potential control gaps.

The role applies data, tools, and analytics expertise to support the investigative process, consolidate investigative findings, identify common findings, and recurring risk themes. The role supports timely risk identification, consistent investigative practices, and informed escalation recommendations in alignment with governing regulations, internal policies, procedures, and the Bank’s risk appetite.

• Acts as a key resource for mortgage fraud risk, investigative assessments, and reputational risk matters, applying sound judgement to reviews involving mortgage brokers, Home Financing Advisors, underwriters, branch originators, and clients.
• Supports file reviews and targeted due diligence assessments where elevated fraud, AML, policy, documentation, or reputational risk concerns are identified, including income misrepresentation, down payment integrity, occupancy concerns, and application quality issues.
• Provides AML, KYC, and Enhanced Due Diligence support for mortgage-focused reviews, including unusual transaction reporting considerations, quality assurance observations, and trend analysis to identify emerging or systemic fraud concerns.
• Reviews mortgage applications, supporting documentation, and available data points for indicators of application quality issues, and other mortgage fraud typologies and prepares clear investigative summaries, supportable conclusions, and recommended next steps for review and escalation as appropriate.
• Contributes to analytics-driven mortgage sampling by reviewing data outputs and identifying trends, patterns, outliers, and key risk indicators across branch, broker, and HFA channels.
• Identifies, analyzes, and communicates risk themes arising from file reviews, quality assurance observations, and analytics-led sampling to support consistent investigative standards, control enhancements, and coordinated responses with RESL, Corporate Security, AML, and other partners.
• Understand how the Bank’s risk appetite and risk culture should be considered in day-to-day activities and decisions.
• Actively pursues effective and efficient operations of their respective areas in accordance with Scotiabank’s Values, its Code of Conduct and the Global Sales Principles, while ensuring the adequacy, adherence to and effectiveness of day-to-day business controls to meet obligations with respect to operational, compliance, AML/ATF/sanctions and conduct risk.
• Champions a high performance environment and contributes to an inclusive work environment.

• Supports specialized mortgage investigations that influence the integrity and risk posture of the Real Estate Secured Lending business.
• Requires strong attention to detail, sound analytical judgment, and the ability to manage multiple reviews or sampling priorities while maintaining clear documentation and timely communication.
• Supports investigative work driven by analytics, risk indicators, file review findings, and emerging fraud trends, promoting disciplined assessment, consistent methodology, and high-quality outcomes that support sound business decisions and reinforce RESL’s control environment.
• Acts as a point of contact for front-line, business, and…