Bhavna Bakshi

Experienced regulatory compliance expert specializing in financial oversight and risk-based reviews. Proficient in executing compliance audits and formulating policies that strengthen governance frameworks. Effective in partnering with regulators and financial entities to reduce compliance risks and facilitate corrective actions. Results-driven Sales Representative fulfilling customer retention objectives via impactful relationship management and thorough understanding of product offerings.

• Branch Manager (2019)
• Partners, Directors and Officers (2020)
• Mortgage Broker License (2017)
• Financial Crime Prevention (ICA) – In Progress (2025)
• Certified Scrum Master (2018)

• Sales Representative, Canada Build Platinum, 01/01/25, Present, Conducted rental leases, property sales and client consultations., AML and KYC protocols through collecting and verifying identification and financial documents., Risk assessment through any high-risk transactions and property concerns., Advised clients on market conditions, property values, and investment opportunities., Adhered to all real estate regulations as outlined by RECO, including disclosure documents, client documentation, and advertising standards., Reviewed and prepared purchase, lease, and listing agreements to ensure full compliance with provincial legislation and brokerage policies., Transaction monitoring and file auditing by submitting documents for review and organizing all records to meet brokerage audit standards.
• Sales Representative, Pre-construction Operations, Red House Realty, 10/01/23, 12/31/24, Created investment presentations aligned with financial regulations., Cold-called 200+ leads daily and booked 10+ meetings weekly to achieve targets., Assessed risks in real estate projects to ensure legal and financial compliance., Advised clients on investment opportunities while following securities laws., Negotiated deals while ensuring adherence to real estate laws., Coordinated with mortgage professionals and lawyers to complete transactions.
• Mortgage Broker – Private Lending Specialist (Concurrent with Full-time roles), Pineapple Financial, 01/01/17, Present, Funded over $10M in 1st and 2nd private mortgages, aligning investor expectations with borrower needs., Conducted KYC, AML, and source-of-funds checks on each transaction to ensure full compliance prior to funding., Built and maintained a network of 30+ private investors, facilitating over $15M in lending capital., Responded to complex mortgage inquiries, presenting customized lending options and collaborating with real estate agents and legal teams., Represented the firm at industry events, promoting alternative financing solutions and securing new referral partners.
• Field Compliance Auditor, Transamerica, 01/01/19, 11/30/21, Led regulatory audits across 40+ branches nationwide, ensuring compliance with life insurance legislation, internal controls, and FSRA standards., Investigated policy breaches and suspected fraud, collaborating with the Chief Compliance Officer to execute enforcement actions., Reviewed AML, KYC, and KYI documentation on high-risk transactions, identifying and escalating over 20 flagged cases., Developed and delivered compliance training to over 100 field representatives, improving audit readiness and regulatory understanding., Advised senior leadership on emerging risks and proposed corrective action plans that led to a 30% reduction in audit deficiencies., Evaluated risk frameworks and internal processes, recommending enhancements that aligned with evolving regulatory requirements., Managed stakeholder communication across compliance, operations, and sales teams to ensure audit findings were actioned effectively., Traveled extensively across Canada to conduct on-site audits, ensuring regional adherence to both corporate and regulatory standards.
• Investment Compliance Analyst - Contract, BNY Mellon, 04/01/18, 12/31/18, Monitored and reviewed over 200 daily trades to detect errors, breaches, and anomalies across institutional client accounts., Maintained and audited internal compliance databases, reducing recordkeeping gaps by 25% and improving audit readiness., Completed multiple regulatory filings and mailings., Oversaw the onboarding of 30+ client accounts, verifying documentation and ensuring full adherence to AML and KYC protocols.
• Financial Services Representative, CIBC, 09/01/15, 01/31/18, Managed and processed over $1M in consumer mortgage applications, ensuring all deals aligned with internal risk policies and mortgage lending criteria., Conducted due diligence and financial analysis on borrower profiles, including verification of income, down payment sources, and property valuations., Advised 100+ clients on customized financial strategies across lending, investments while aligning with each client’s risk tolerance and financial goals., Cross-sold over 3 financial products per client on average, boosting customer portfolio depth and driving branch profitability., Developed new applications from start to submission via Expert Filogix program.
• Mortgage Funder, B2B Bank, 09/01/14, 09/01/15, Analyzed and processed over 150+ mortgage credit applications, verifying income, credit bureau reports, and calculating GDS, TDS, and LTV ratios for funding approval., Ensured 100% accuracy in fund disbursement by verifying amounts, holdbacks, and third-party payouts., Maintained a 98% on-time funding record by efficiently coordinating cash flow between clients, brokers, and legal stakeholders., Applied CMHC and Genworth guidelines to confirm compliance and mitigate default risk across all insured files., Honed professional skills while gaining expertise in Filogix, MOS, CPS, Siebel and Workdesk., Monitored outstanding conditions/documentation before approval of advanced mortgage funds.