Case Studies and Engagements

CDIC Act Co-Owned and Trust Disclosure By-Law

Client Focus: Global Investment Firm

Challenge

  • Canada Deposit Insurance Corporation (CDIC) released their Co-Owned and Trust Disclosure By-Law to modernize and enhance Canada's deposit insurance framework. This expanded coverage across FX, terms greater than 5 years, and eliminated coverage for traveler's cheques. New requirements were introduced including amendments to contracts with nominee broker, annual attestations, and unique client identifier of the beneficiary.

Solution

  • Validated CDIC requirements and completed current and future state analysis

  • Liaised with change management and regional management to develop communication to clients

  • Developed Unique Client Identifier to improve quality of information being transmitted for nominee brokered deposits

Impact

  • Improved visibility of CDIC protection across Retail and Wealth Management. 

  • Fulfilled compliance requirements

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