Office of the Ombudsperson


The Office of the Ombudsperson conducts impartial reviews of Canadian customer complaints that remain unresolved after having been through Steps 1 and 2 of BMO’s dispute resolution process.


How the Ombudsperson can help

The Office of the Ombudsperson reviews and considers complaints carefully. They also listen to BMO’s position and investigate what happened. The Office conducts  impartial reviews of unresolved concerns in an effort to facilitate a resolution. In particular, the Ombudsperson process:

  • Provides a voluntary and confidential avenue for a Complainant and BMO to openly and transparently discuss the problem
  • Acts as an alternative to the Court system
  • Offers a way to resolve problems with BMO without the Complainant incurring legal costs
  • May lead to the recommendation of a resolution if the Ombudsperson finds that a complaint is valid

The Ombudsperson’s recommendations are non-binding. In the event that a settlement is not reached, each party remains free to pursue other avenues to resolve the dispute.


The Ombudsperson’s mandate

The Ombudsperson’s Office addresses complaints that have not been resolved through Steps 1 and 2 of BMO’s Complaint resolution process. Their process is as follows:

  1. Confirmation within mandate
  2. Investigation of concerns
  3. Communication of findings
  4. Escalation information

Full details of BMO’s dispute resolution process are outlined in the brochure titled: We’re here to help – Resolving Customer Complaints. It’s also available at any of BMO’s branches.

The Ombudsperson’s Office has a broad mandate to investigate a wide range of financial services complaints; however, there are certain issues that fall outside of its mandate. These include:

  • Credit granting policies or risk management decisions
  • Decisions to close accounts
  • Setting and/or changing of policies, procedures, products or services
  • Setting and/or changing of interest rates, service charges or fees
  • Issues for which BMO records no longer exist
  • Matters that are being handled by lawyers on behalf of BMO or are, or have been before a Court, tribunal, or other independent dispute resolution body

Ombudsperson Process showing 4 steps: 1. Confirmation within mandate 2. Investigation of concerns 3. Communication of findings 4. Escalation information

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Role of the Ombudsperson

Learn more about BMO’s Ombudsperson and the roles and responsibilities of the Office and the Complainant.

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Workplace Diversity

Resolving a complaint

Learn more about the overall complaints process and our promise to address your complaint quickly, efficiently and professionally.

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