Ombudsman’s role


An “Ombudsman” is an official who represents the interests of the public by receiving their complaints, usually regarding maladministration by an authority figure, and assessing them from a neutral standpoint. The Ombudsman investigates those complaints and provides a well-reasoned recommendation as to how the problem should be resolved. The term “Ombudsman” comes from an Old Norse word essentially meaning “a representative for someone.” “Ombuds” are representatives working within all sorts of institutions and communities, including governments, colleges and universities, corporations, non-profit organizations, hospitals, media outlets, and banks. Members of those communities have a safe, confidential, impartial, independent and fair neutral party, the Ombudsman, to turn to if they feel wronged. Different types of ombuds conduct investigations into these allegations of wrongdoing and provide conflict management, dispute resolution, coaching, training, recommending, reporting, feedback and analysis services, among many more helpful ways of addressing complaints and tackling problems.

One example of an ombuds potentially serving your community is ADR Chambers Banking Ombuds Office (“ADRBO”). ADRBO is a Canadian Ombudsman that provides investigative and dispute resolution services for the customers of some of Canada’s largest banks, including the Bank of Nova Scotia (“Scotiabank”), National Bank of Canada (“NBC”), Royal Bank of Canada (“RBC”), Tangerine and TD Bank Group (“TD”).  ADRBO was recognized as an External Complaints Body (“ECB”) for Canadian financial institutions by the Financial Consumer Agency of Canada (“FCAC”) on June 15, 2015.

Customers with banking complaints detail their complaints to ADRBO’s bilingual intake team. ADRBO’s Ombuds team then reviews all aspects of a complaint, including documentation and correspondence, and decides whether a full investigation by one of ADRBO’s esteemed independent investigators is warranted. A recommendation for resolution is provided for all complaints that are within ADRBO’s mandate. ADRBO is able to recommend compensation if it is of the opinion that the complainant has suffered loss, damage or harm because of an act or omission by the involved bank. These recommendations are meant to put the complainant back in the position they would have been in, if the bank had not made a mistake. ADRBO can also look into nonfinancial harms where an issue has caused a complainant significant distress or inconvenience, loss of reputation or damage to credit ratings. Ultimately, with its review of each complaint received, ADRBO seeks to be accessible to consumers in order to protect them by making sure they receive well-reasoned decisions, explanations, and fair outcomes.

ADRBO can be reached toll-free at 1-800-941-3655 or via email at for all your banking complaint needs.

—Kayla Albin, Deputy Ombudsman 

Skip to content