Your own criminal record check, without the police station. Skip the appointment, get the record today.
Run my check
Criminal record checks come back in about 15 minutes. Credit reports and identity verification are instant. Every check is dated, sourced and kept in one file you can hand to an examiner.
Pay per check, no subscription, no minimum.
What registration tells you
CIRO runs police and bankruptcy checks before it approves a registered representative. In Ontario, FSRA has life agent applicants complete a criminal record check through its own vendor. Both results go to the regulator.
What comes back to you is an approval, not a file. And the regulator still expects the sponsoring firm to do its own due diligence.
You hold a registration number. The record behind it stays with CIRO or FSRA.
It was accurate the day it ran. Nobody re-checks on your behalf between filings.
Client service, operations, payments, IT and data teams sit outside registration. Many of them can see client accounts.
Temp staff and consultants arrive via agencies and vendors whose screening you may never have seen.
Federally regulated institutions
OSFI's Integrity and Security Guideline asks federally regulated banks, insurers, and trust and loan companies to put responsible persons, employees and contractors through risk-based background checks. Checks happen before hire, are renewed on a regular basis, and are reviewed off-cycle when something changes.
The guideline names the checks. Credibled runs each of them from one account.
| What the guideline names | Who it applies to | On Credibled |
|---|---|---|
| Identity verification | Everyone | Government ID and liveness check, included with the criminal record check |
| Background verification | Everyone | Employment verification, straight from the employer |
| Education and professional credentials | Frequently included | Education verification and credential verification |
| Personal and professional references | Frequently included | Reference checks, $9 per candidate |
| Criminal record check | Responsible persons and higher-risk roles | Canadian criminal record check, ~15 minutes. Enhanced level available |
| Financial inquiry (credit check) | Responsible persons and higher-risk roles | Equifax credit report, instant |
The guideline also asks you to look at your third parties' background check processes. If a vendor or staffing agency supplies your contractors, they can screen on Credibled and send you the report as a PDF.
Credibled is not a substitute for a government security clearance. If OSFI asks specific individuals to obtain one, that is a federal process.
Credit check for employment
For roles that touch client money, lending decisions or the vault, a credit check is often the most relevant check you run. The usual problem is the report: pages of tradelines written for a lender, not a hiring manager.
Credibled puts a plain-language grade at the top, with the detail underneath.
Examinations and audits
Regulators and internal audit ask the same question: show me. On Credibled, every hire has a screening file.
Renewed on a regular basis
A criminal record check is accurate on the day it runs. Whether you rescreen every year, every three years, or when someone moves into a higher-risk role is your policy, and Credibled runs it on demand.
Send a link, the employee completes it from their phone, and most criminal record checks come back in about 15 minutes. If someone on your team already ordered the same check in the last 30 days, you see it before anything is charged.
More on criminal record checksCanadian criminal record check with identity verification included. Almost always within 4 hours.
Also called a Criminal Record and Judicial Matters Check. Searches local police databases as well as the national record. Often back in about 15 minutes.
By role
| Role | Common checks |
|---|---|
| Advisor, registered rep, portfolio manager | Criminal record with ID, credit report, employment verification, credential verification, references |
| Insurance agent or broker | Criminal record with ID, credit report, credential verification, references |
| Mortgage agent, loan officer, underwriter | Criminal record with ID, credit report, employment verification |
| Teller, client service, call centre | Criminal record with ID, references |
| Operations, payments, treasury, back office | Criminal record with ID, credit report, references |
| IT, data and cyber roles | Criminal record with ID, employment and education verification, references |
| Directors and senior management | Criminal record with ID, credit report, employment and education verification, public records, references |
| Contractors and temp staff | Criminal record with ID, references |
| Candidates who lived outside Canada | International criminal record checks, 200+ jurisdictions |
| Quebec hires | SOQUIJ court record search |
Published turnaround, per check
Automated, doesn't wait on anyone
| Check | Turnaround |
|---|---|
| Canadian criminal record check, standard | Under 4 hours, often about 15 minutes |
| Canadian criminal record check, enhanced | 24 to 48 hours, often about 15 minutes |
| Identity verification | Instant, included with the criminal record check |
| Credit report | Instant |
| Public records check | Instant |
| SOQUIJ court record, Quebec | Under 24 hours |
| Social media check | 1 to 2 business days |
| Driver abstract, Canada | 1 to 3 business days |
| US criminal, base, single county, or unlimited | Under 72 hours |
A third party has to respond
| Check | Turnaround | What we do |
|---|---|---|
| Reference check | Varies by referee | Automated reminders over 10 days |
| Employment verification | Varies by employer | Several attempts over 3 business days |
| Education verification | Varies by institution | 3 to 5 attempts, findings reported either way |
| Credential verification, Canada | Varies by credential and location | 3 to 5 attempts to obtain source data |
The clock starts when the candidate submits their consent form, not when you send the request.
Education verification, employment verification and US criminal court searches carry pass-through access fees, published at credibled.com/pass-through-access-fees. They appear on the invoice after the fact.
References and employment verification
The registration check tells you someone has no disqualifying record. It does not tell you they ran the book they say they ran, or left their last firm on good terms.
We contact previous employers directly to confirm titles and dates. No third-party database. Several attempts over 3 business days, and we report what we find either way.
More on employment verificationNot per referee. The candidate enters their own referees, reminders go out automatically every 24 hours for up to 10 days, and the report arrives as a PDF.
More on reference checksCredibled flags a reference when the candidate and referee submitted from the same IP address or device, or when the reference came from a personal email. You review it, you decide, and your decision is logged.
Duplicate detection
The same candidate applies to your Toronto and Calgary offices, or to the bank and its insurance arm. Both screen them, and nobody notices until the invoice.
Credibled catches it at the point of request, across every check type, going back 30 days. You see which check was ordered, its status, who ordered it and when. Then you cancel, or proceed anyway.
The following checks have been initiated for this candidate within the last 30 days.
Data and security
A credit report and a criminal record in the same file is sensitive data. Credibled is PIPEDA compliant, hosted on AWS in Canada, encrypted in transit and at rest, with audit trails and role-based access on every account.
Pay per check
Hiring in financial services comes in waves: campus intake, branch openings, a new advisory team. Pay per check. No subscription, no minimum, no annual commitment.
You only pay for completed checks, never ones still waiting on a candidate. Sign up with a work email and run your first check the same day.
Support
Every account gets a named person, at 5 checks a month or 500. Not a shared inbox, not a ticket queue.
When a result comes back incomplete on a Friday and the new hire starts Monday, that is the difference between a phone call and a support ticket.
Straight answers
CIRO and FSRA run their own checks for registration. The screening on this page is what you run as the employer, which is separate.
Reliability Status, Secret clearance and similar are federal processes. We screen alongside them, not instead of them.
No Canadian provider can. It is requested through the police service where the candidate lives.
We report what we find. Whether it disqualifies someone is your call, made within human rights law.
FAQ
Yes. OSFI's Integrity and Security Guideline expects federally regulated banks, insurers, and trust and loan companies to run risk-based background checks on responsible persons, employees and contractors, before hire and on a regular basis after. Provincially regulated credit unions and firms set their own policies, and most screen at least for identity and criminal record.
At a minimum, verification of identity and background, frequently with education, professional credentials and references. For responsible persons and higher-risk roles, OSFI adds a criminal record check and a credit check. Credibled runs all of these from one account.
CIRO's checks support its own registration decision, and the result stays with CIRO. CIRO also expects the sponsoring firm to do careful due diligence on its applicants. Your own dated file of references, employment verification and criminal record and credit checks is that due diligence.
FSRA requires life and accident and sickness licence applicants to complete a criminal record check through FSRA's approved vendor as part of licensing. That check goes to FSRA. Insurers and agencies that want their own record screen separately.
Yes, and OSFI's guideline covers them. Screen them directly on Credibled, or ask the agency that supplies them to screen on Credibled and send you the PDF report.
No. Security clearances are run by the federal government. A background check is what you run yourself, before hire and between renewals.
Yes, with the candidate's informed consent. Some provinces add notice rules. In Ontario, the Consumer Reporting Act requires the candidate to be told a credit check will be requested. On Credibled, the candidate sees and accepts the consent before anything runs.
No. An employment credit check is a soft inquiry and does not lower the candidate's credit score.
A plain-language grade and score, estimated default risk, tradelines, collections, bankruptcies, judgments and other public records.
Roles with access to client funds, lending authority, payments, cash or sensitive financial data, and anyone OSFI would treat as a responsible person. A credit check is rarely relevant for roles without that access.
A Canadian criminal record check usually comes back in about 15 minutes and almost always within 4 hours. Credit reports, identity verification and public records are instant. Employment, education and credential verification depend on how fast the other party replies.
Yes. International criminal record checks cover more than 200 jurisdictions, with turnaround and pricing published for each. Identity verification works across more than 13,500 document types.
That is your policy, or your regulator's. OSFI expects checks to be renewed regularly and reviewed off-cycle based on set criteria. Many institutions rescreen every 1 to 3 years, and when someone moves into a higher-risk role.
The screening file. Every check is dated and sourced, every integrity alert shows who reviewed it and what they decided, and every report downloads as a PDF.
In Canada, on AWS. Credibled is PIPEDA compliant and encrypted in transit and at rest.
Reference checks are $9 per candidate. Other checks are priced per check, with no subscription and no minimum. Education verification, employment verification and US criminal court searches carry published pass-through access fees.
Yes, through the API. Trigger requests, pull results and receive status webhooks from the system your team already uses.
Yes. Sign up with a work email and run your first check the same day. If you need a security review first, book a demo and we will walk your team through it.
Create an account with a work email and run your first check today. Pay per check, no subscription.
