Mortgage Licensing System
  • Tracks all Mortgage Licensing Records.
  • Incorporates Internal Company Data for additional tracking mechanisms used by the Licensing team.
  • Automated Management Level and MLO level Reporting.
  • Repository for tracking everything Licensing related.
  • Built in engine to track potential gaps.
  • Leverage System to provide robust dataset to incorporate into the LOS and setup License fails and stops.

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Mileva is a roadmap that highlights and centralizes all the necessities for a regulatory review. Mileva summarizes numerous risk issues and allows you to document how your team is addressing those issues through your policies & procedures, training, controls, testing, and remediation.

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Branch Examinations

 

  • Allows for the collection of information on the company’s Branch Review Checklist.
  • Queues up Branch Reviews based on prior Review Date and Prioritization or Monitoring based on Key Risk areas.
  • Allows for collection of QA/QC results for respective MLO Branches and incoporates in Branch Review Cycle.

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California Per Diem
  • Allows for the review of Loan Docs vs System Data and Refund/Reconciliation data.
  • Centralized point of collection to identify Refunds due and organizes Borrower Information to segment by different Time Frames.
  • Built in Calculations to identify, track and report correct Per Diem amounts based on Loan Type and additional attributes.

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Call Monitoring
  • Solutions that will help Lenders stay compliant as well as improve customer services in all steps of the loan origination process.
  • Meets Compliance Requirements.
  • Fulfill Servicing Call Monitoring Needs.

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Consumer Complaint Tracking
  • Consumer Complaint Tracking solution centralizes all points of contact and acts as a live database.
  • Each week CFPB sends thousands of consumers’ complaints about financial products and services to companies for response. Make sure you are meeting Regulatory requirements by using our system.
  • Complaints are published after the company responds or after 15 days, whichever comes first. Avoid reputational damage by staying on top of your complaints and escalations while also avoiding regulatory findings.
  • Provide your staff the tool to record new complaints in the quickest most efficient way possible while centralizing all details.
  • Rapidly generate standard and custom Reports and Charts and have your finger on the pulse with a real-time Dashboard.
  • Allows the creation of fully customized web forms to record all level of details while allowing your own terminology for field labels and drop-down lists.
  • Notify the Right People and notify each time a new complaint is received as well as: Reminders, Inactivity alerts, Task assignments, Review requests, Closure requests

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Cyber Security – Threat Intelligence Solution
  • Fundamental technology innovation
  • Powered by machine learning and AI algorithms
  • 3,000+ deployments worldwide
  • 24 global offices
  • Founded by world-leading mathematicians
  • Abnormal activity detected – Talking to unusual domains, Querying Windows fileshare (SMB)
  • Block and Suppress suspected ransomware
  • Real-time response – Suspect connections are stopped, Action taken within 15 seconds and Ransom demand averted
  • Today’s Risks: Business digital complexity is exploding: Outsourced IT, SaaS, cloud, virtual, supply chain, IoT
    • Not just website, DoS & credit card breaches
    • Insider threat is constant – whether malicious or non-malicious
    • Integrity of data is at risk
    • Ransom attacks are fast and debilitating
    • Smarter malware can change its capabilities when inside the business
  • Takes targeted, proportionate, responsive action based upon activity and nature of threat
  • Slows down or stops attacks in real time, providing critical time for security teams to catch up
  • Works across physical and virtual environments: campus, datacentre, industrial, IoT, Cloud.

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Fair Lending Analysis
  • Fair Lending Regression can foresee which applicants should have been approved or denied, loan price, and price-predicted APR, and then compare those results to what happened. Estimates next State Examination based on prior Audits and additional attributes.
  • Deep dive into “outliers,” like loans that were denied or priced higher/lower than the model predictions. Track historical findings and Remediation.
  • Identify decisions based on credit and pricing to determine and explain if a prohibited basis was factored into the price of the loan or credit decision
  • Loan Underwriting Analysis: Logistic model in which credit policy factors that inform the underwriting decision are accounted for. The goal is to test for statistically significant relationships between decisioning and prohibited basis groups.
  • Loan Pricing Analysis: Linear model in which loan pricing is examined to determine whether it is similar for “similarly situated” (similar credit and loan characteristics) applicants.
  • Matched Pairs Analysis: An Overlap Analysis that determines outliers using a measure of discrepancy of each loan for additional review.
  • 3 EASY Steps from start to finish.

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HMDA File Review
  • Allows for the review of Loan Docs vs System Data and LAR processed data.
  • Centralized point of collection to identify Data Gaps, System Issues and LAR Submission fails.
  • Source of Data for LAR generation.

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State Examination and Issues Remediation Tracker
  • Allows for the collection of information on the company’s State Examinations.
  • Estimates next State Examination based on prior Audits and additional attributes.
  • Incorporates Task Manager/ Workflow to track stakeholders and responsible parties needed for Examination.
  • Track historical findings and Remediation.

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Social Media Monitoring
  • Dynamic application that will monitor Licensed Loan Officers Social Media interaction with consumers to ensure all communications are compliant.
  • Incorporates Archiving Tool to ingest all communication and tracked alerts history.
  • Track historical findings and Remediation plan with MLO’s etc.
  • Token based secure system to monitor all Social Media MLO’s are leveraging for their Marketing and Sales Strategies.

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