Connective

Learn how to collect and justify alternative documentation to verify a client’s financial situation under responsible lending obligations

Flexible document collection for responsible lending verification

Learn how to select and document alternative evidence to verify a client’s financial situation when transaction account statements are not collected.

Alternative documentation for loan file verification

Understand your obligations when assisting trustees with self-managed superannuation fund (SMSF) lending, including LRBA requirements and key compliance considerations.

Compliance obligations for SMSF lending

Compliance

Explore practical video scenarios that show how to apply best interests duty (BID) in real client situations.

Module 6: Best Interests Duty (BID) scenario demonstrations

Learn what conflicted remuneration is, how it applies to brokers, and why it matters under the Best Interests Duty framework.

Module 5: Understanding conflicted remuneration

Learn what the conflict priority rule is, how it applies to you, and the steps you must take to comply with Best Interests Duty.

Module 4: Understanding the conflict priority rule

Follow this step-by-step guide to understand how to apply Best Interests Duty (BID) in every client interaction.

Module 3: A step by step guide to acting in your clients’ best interests

Learn how to prepare your business, educate clients, and ensure you have a suitable lender panel to meet Best Interests Duty requirements.

Module 2: How to prepare your business for BID

Overview of best interests duty (BID), when it applies and how brokers meet their obligations.

Module 1: Best interests duty (BID) 101

How to remain compliant when assisting customers with personal loans

Best interests Duty – FAQ’s

Learn how to capture clear, compliant notes and link them to your product recommendations.

BID Examples - Documenting the Summary of Requirements (Handy Hints)

The Little Book of BID

Best Interests Duty Resources

Best Interests Duty

Minimising Loan Fraud Risk

Compliance Webinars

This article outlines the broker’s responsibilities and required actions when managing data breaches involving personal information under the Notifiable Data Breaches scheme.

Data Breach Policy

Guidance for brokers on identifying, assessing and preventing income fraud through effective document verification and conversations with clients.

It’s time to crack down on loan fraud!

This article brings together Connective’s key living expense resources to help you apply a consistent, well-documented approach that meets lender and compliance expectations.

Make living expense assessments easier

Understand the recommendations for brokers by the CIF around information that should be disclosed to customers within your compliance disclosure documents.

Combined Industry Forum (CIF) - Broker Reporting

Admin vs Credit Activities – are your staff crossing the line?

Credit Reporting & the introduction of CCR (Comprehensive Credit Reporting)

Use this guide to understand your obligations when working with guarantors, including how to manage compliance requirements, structure applications, and communicate with all parties.

Managing guarantee lending and guarantor obligations

Outsourcing Obligations

Are you considering an off-panel lender?

Your guide to using off panel lenders

Your guide to using off panel lenders for asset finance

Overview of Mandatory Breach Reporting

Customer notification of Mandatory Breaches

Explains the NSW payroll tax judgment and how it may affect broker–aggregator relationships and business structures.

Understand the recent Payroll Tax Judgment and what it means for brokers

Preparing your business for Mandatory Breach Reporting obligations

Privacy: Respecting and Protecting your customer's information

Reference Checking Protocol

Reference Checking Protocol- Consent wording

Design and Distribution Obligations

Internal Dispute Resolution

The Hawking Prohibitions

Lender Clawbacks and Internal Refinances

Avoid Costly Mistakes: Stay Compliant with Lender Valuation Tools

All Connective Members

Use this guide to understand the role of a Business Development Manager (BDM) in a broker business, when they can support your sales process, and when they need to be…

BDMs in Broker Businesses

Fraud

Understand how Chinese credit reports work and how clients can obtain one to support your lending assessment.

Obtaining a credit report in China

Read on to understand the six C’s of compliance and how they apply to your day-to-day broker activities.

The Six C's of Compliance

Use this guide to understand reverse mortgages, the expectations for broker capability, and the additional obligations that apply when arranging this type of lending.

Reverse Mortgage - Credit Representative

Use this guide to understand how to resign your agreement with Connective and what you need to do before your resignation is finalised.

Resignation Process - Credit Representative of Connective

Learn when and how to request Compliance approval before writing your own loan or a loan for an immediate family member.

Requesting approval for an own loan application

Learn when and how to request Compliance approval before submitting an application to a non-panel lender.

Requesting approval for an off-panel lender application

Use this guide to understand when you need a Referral Service Agreement, what information it must contain, where to find the template, and what your obligations are under ASIC requirements.

Referral Agreement

This article outlines the requirements for use of the Privacy Policy and Short Form Privacy Statement for Connective Credit Representatives

Privacy Statement and Policy

As a credit representative of Connective, you are required to adhere to our privacy policy and requirements.

Privacy Requirements

PI and AFCA membership requirements

Interpreting overseas correspondence and supporting documentation

Overseas Income Requirements

Mentoring

Loan Scenarios: What Compliance Documents do you need?

Document Retention

Dispute Resolution Process

Client Living Expenses

Connective Compliance Borrowing Calculator - Credit Representatives

Connective Policy Manual - CCR

Conflict of Interest

Conducting non face-to-face client meetings

Use this guide to understand your responsible lending obligations for consumer asset finance and personal loans and manage the required compliance steps in Mercury Nexus.

Asset Finance – responsible lending and compliance requirements

Annual training requirements for Credit Representatives

Learn how to upload mandatory NCCP compliance documents to the Compliance Checklist in ApplyOnline (AOL).

ApplyOnline compliance documents – Supporting Docs tab

Bank Statement Technology Policy for Connective Credit Representatives

Variations to existing loan contracts

Connective Credit Representatives

Corporate v Individual CR number - which to use when

Compliments and Concerns

Advertising Requirements: Social Media

Advertising Requirements: Websites

Advertising Requirements: Outdoor signage and vehicles

Advertising Requirements: Newspaper advertisements, marketing flyers and brochures

Advertising Requirements: Lender logos on your website

Advertising Requirements: Email signature

Advertising Requirements: Complimentary products

Understand common advertising compliance errors and how to ensure your marketing complies with NCCP, NCC and ASIC requirements.

Advertising requirements – common advertising errors

Advertising Requirements: Competition campaigns

Advertising Requirements: Company Letterhead

Advertising Requirements: Advertising Interest Rates or Loan Repayments

Advertising Requirements: Business cards

Advertising Requirements: ASIC Guidelines to Advertising Terminology and Disclaimers

Advertising Requirements

Responsible Lending: Compliance Support

Responsible Lending: Summary of Requirements and Credit Proposal Document

Responsible Lending: Preliminary Assessment

Error when trying to generate the Preliminary Assessment

Responsible Lending: Compliance Calculators

Responsible Lending: Needs Analysis

Responsible Lending: Quote

Responsible Lending: Credit Guide

Responsible Lending and Compliance Requirements

Streamlined and simplified refinances

Responsible Lending

MARS - Mercury Assurance Review System

Credit Guide Actions

Summary of Requirements and Credit Proposal Disclosure (SoRCP) Actions

Credit Quote and Needs Analysis Actions

Best Interests Duty (BID) Actions

Preliminary Assessment Actions

Calculator Actions

Verification Actions (Supporting Documents)

File Reviews and Corrective Actions

ACL Compliance Program

Use this guide to access your file audit results in Mercury Nexus, understand corrective actions, and submit updates for re-review by Connective's compliance team.

ACL Compliance Program – understanding your file audit results

General conduct obligations of credit licensees

ASIC Membership Requirements under NCCP

Updating your ACL contact information

Completion of your Annual Compliance Certificate

IT Compliance Certificate

Professional Indemnity Insurance

Resignation Process - ACL Holders

Cancelling my Australian Credit Licence

Advertising Guidelines - ASIC RG234 & Information Sheet 103

ACL Referral Agreements

ACL Guidance on Privacy Requirements

ACL holders and file reviews

Reverse Mortgage - ACL Holders

Managing Conflict of Interest

How to verify a Company’s Legitimacy in China

Dispute resolution, complaints, file notes

Dispute Resolution - Internal and External

Connective Compliance Servicing Calculator

Chinese customers may provide a Chinese credit report to support your assessment of their financial position. This summary outlines how Chinese credit reporting works, what information appears, and how it…

Understanding Chinese credit reports for client assessments

Cashdeck: Free trial for ACL holders

ACL Holders

No tickets or conversations found

Try selecting a different creation date range.

Tickets and conversations you've started through the messenger will appear here.

No tickets or conversations created by you

Try using different keywords or checking for typos.

Try selecting a different update date range.

Find answers and get help from Intercom Support and Community Experts

Conversations you've started through the messenger will appear here.

No conversations created by you

No conversations found

Title

This site employs cookies and other technologies that we and our third party vendors use to monitor and record personal information about you and your interactions with the site (including content viewed, cursor movements, screen recordings, and chat contents) for the purposes described in our Cookie Policy. By continuing to visit our site, you agree to our {websiteTermsLink}, {privacyPolicyLink} and {cookiePolicyLink}.

This site uses cookies and similar technologies ("cookies") as strictly necessary for site operation. We and our partners also would like to set additional cookies to enable site performance analytics, functionality, advertising and social media features. See our {cookiePolicyLink} for details. You can change your cookie preferences in our Cookie Settings.

We use cookies to make our site work and also for analytics and advertising purposes. You can enable or disable optional cookies as desired. See our {cookiePolicyLink} for more details.

Advertising cookies are set by our advertising partners to collect information about your use of the site, our communications, and other online services over time and with different browsers and devices. They use this information to show you ads online that they think will interest you and measure the ads' performance. Social media cookies are set by social media platforms to enable you to share content on those platforms, and are capable of tracking information about your activity across other online services for use as described in their privacy policies.

These cookies enable the website to provide enhanced functionality and personalisation. They may be set by us or by third party providers whose services we have added to our pages. If you do not allow these cookies then some or all of these services may not function properly.

These cookies are necessary for the website to function and cannot be switched off in our systems.

These cookies allow us to count visits and traffic sources so we can measure and improve the performance of our site. They help us to know which pages are the most and least popular and see how visitors move around the site.

You have the right to opt out of the sale of your personal information. See our {cookiePolicyLink} for more details about how we use your data.

Your Privacy Choices

We use cookies to enhance your experience. You can customize your cookie preferences below. See our {cookiePolicyLink} for more details.

Cookie Settings

Empty Help Center

Uh oh. That page doesn’t exist.

Home

Search results

Disappointed

Neutral

Smiley

Thinking...

Searching through sources...

Analyzing...

Tickets submitted through the messenger or by a support agent in your conversation will appear here.

No tickets created by you

No tickets found

Conversations and tickets in {topic}

Conversations and tickets in {topic} // {subtopic}

Volume, requesters and topics for your company.

Insights

Top requesters

AI topics

Track the progress of all tickets and conversations related to your company.

Customer Portal.

Track the progress of all tickets related to your company.

Tickets portal.

{assigneeName} needs more information from you

Tickets

No access to tickets portal

Search

Skip the search. Describe what you’re trying to do and get a grounded answer.

Browse articles and guides in this topic.

Create your workspace and invite the people you work with.

Set up your account

Build your first workflow and watch it run end to end.

Ship something

Connect the tools your team already uses to bring data in.

Connect your stack

A quick lap of the product so you know where everything lives.

{appName} in 60 seconds

This prototype demo is aware that you are reading “{title}”. It can point you back to the current article, but a production article-aware Fin contract is still follow-up work.

Prototype article-aware answer

Because you already asked about invitations, this prototype demo can add the follow-up: use the role selector before sending each invite to limit access to the teammate responsibilities.

Prototype role-limiting follow-up

This prototype demo suggests starting with your workspace profile, inviting the team members who need access, and then connecting the integrations you use.

Prototype getting-started answer

In this prototype demo, integrations are configured from workspace settings. Choose the integration, connect the account, and review the enabled permissions.

Prototype integrations answer

In this prototype demo, invite teammates from workspace settings, then choose the access each teammate needs before sending the invitation.

Prototype invite-team answer

This prototype demo does not have a scripted answer for that question yet. Try asking how to invite your team or open a source article. No production Fin API was called.

Prototype answer unavailable

I’ve got this page open. Ask me anything about it and I’ll answer from the docs.