Harvey, the compliance AI for mortgage brokerages: The compliance team that never sleeps
Harvey is the compliance AI for mortgage brokerages: it classifies every document a client uploads, runs AML, PEP, sanctions and adverse-media screening on the parties to a deal, validates ID, and tracks expiries across the book. It surfaces evidence; a person decides. It sits under the FINTRAC compliance module, next to Maya on the borrower side and Finn on the agent side.
The checks that are easy to skip, run on every file
Document AI
OCR + classify against a standard mortgage document taxonomy. Splits multi-page bundles. Extracts fields. Cross-validates.
ID forensics
MRZ parse + AAMVA validate + selfie liveness + watermark detection + serial-number cross-check.
AML + PEP + Sanctions
Names checked against a stored sanctions watchlist, then an AI first pass for PEP, heads of international organizations and adverse media. A first-pass screen, not a live vendor feed; every hit goes to a person. Vendor feeds are on the roadmap.
Fraud signals
Bank statement pattern anomalies, gift letter consistency, employment narrative drift, duplicate applicant dedupe.
KYC + KYB
Structured Know-Your-Client + Know-Your-Business checklists. Risk rating per applicant. 24-mo refresh cycle.
Expiry sweep
Watches every ID, NOA, paystub, appraisal, insurance for expiry. Auto-flags 30/15/7 days out.
Source of funds
Tracks every downpayment dollar from origin to closing. Flags structured deposits, gift inconsistencies.
Step-up MFA
Privileged ops (manual override, AML dismiss, doc unredact) require fresh MFA every time.
Audit evidence pack
One-click export of every check, every flag, every override for any deal — regulator-ready PDF + JSON.
Drop in any PDF — Harvey knows what it is
- scan_001.pdfBank statement — RBC chequing · Mar 2026
- id-front.jpgDriver's licence — ON · MRZ ✓
- paystub_apr.pdfPaystub — bi-weekly · Apr 12
- noa_2024.pdfT4 + NOA 2024 · CRA verified
Compliance shouldn't be a part-time job
Harvey checks every document and every party on every deal, and leaves the decisions with the people accountable for them.
Harvey — compliance AI — common questions
- What does Harvey do?
- Harvey is the compliance AI. It classifies incoming documents, extracts what a file needs, and runs AML, PEP, sanctions and adverse-media screening against the parties on a deal — with the result attached to the deal rather than sitting in a separate tool.
- Does Harvey make compliance decisions for us?
- No. It surfaces matches and evidence, and a human decides. Dismissing a screening hit is a privileged action requiring step-up authentication and is recorded, because the decision has to be defensible later, not just made.
- How does document classification work?
- Harvey reads what a client uploads and identifies what it is — a T4, a pay stub, a mortgage statement, a void cheque — then attaches it to the right requirement on the deal. Chasing and filing documents is where most administrative time in a file goes.
- Is client data used to train models?
- This is the right question to ask any vendor, in writing, and to get answered specifically rather than in principle. Ask us directly and we will put the answer in your agreement.
- Does Harvey satisfy our FINTRAC obligations?
- It produces the identity records, screening results and audit trail an examination asks for. The obligation remains yours: no software discharges a compliance program, it just makes the evidence assembled as you go rather than reconstructed under a deadline.
- Which tiers include Harvey?
- Compliance AI is part of the platform rather than a separate product line. What differs by tier is the brokerage-level oversight around it — see the pricing page for what each tier covers.