Fraud Manager
Tests the documents that reach servicing — hardship packages, insurance renewals, recorded deeds, payoff and wire requests — for fabrication and misrepresentation, each finding cited to the page.
Hardship packages, insurance renewals, recorded deeds and payoff requests are each tested as they land — and a rental policy on an owner-occupied loan goes to your fraud team with the page cited.
What it displaces
The fabricated hardship package evaluated as genuine, and the payoff wired to instructions nobody checked.
A workout decided on documents that are what they claim to be, and a payoff that lands in the right account.
What it does
- 01
Tests every loss mitigation package with the same forensics origination uses — paystub withholding that does not match the wages, bank statements that do not foot, a file edited after it was issued
- 02
Reads each insurance renewal and flags a landlord or rental-dwelling policy on a loan closed as a primary residence
- 03
Reads deeds and recorded documents that arrive on the loan, and flags a transfer to a third party or a new LLC while the loan is delinquent
- 04
Checks every payoff request and change of wire instructions against the parties and contacts already on the loan before a figure or an account is accepted
- 05
Compares the photos on a hazard claim or loss draft with the ones already in the file
What it leaves behind
- Hardship paystub — withholding matches the wagesfailpaystub p.1 · FICA
- Bank statements foot and chain across monthspassstatements p.1–6
- Insurance renewal policy formlandlord formdec page p.1 · security instrument §6
- Payoff wire instructions match the loan’s contactspasspayoff request p.1
Tested before the waterfall runs or the wire goes out · cited to the page
Human-in-the-loop
No guesswork. Exceptions routed to humans
It flags and evidences; it does not deny a workout, hold a payoff or raise a suspicion with the borrower. Each finding reaches your fraud or loss mitigation team with the pages behind it, and whether to file a SAR stays with your BSA officer.
How a decision is made and provedWhat it runs on
1 of 3- Document Intelligence
Intake, income, conditions, fraud, closing disclosure and QC on every loan
- Intake
- Income Desk
- Clear-to-Close
- Fraud Desk
- Closing Desk
- QC Desk
The rest of the servicing side
All 10 servicing desks- 01Loan Boarding AgentCatches boarding defects before the first statement.
- 02Indexing ManagerEvery letter, fax and upload filed and routed the day it lands.
- 03Escrow ManagerAnalysis, shortages, and the explanation that is borrower-friendly.
- 04Collections AgentEarly-stage delinquency, compliant with Reg F and TCPA.
- 05Default Management DeskSixty days and beyond, with the timelines held.
- 06Loss Mitigation AgentComplete packages, evaluated inside the Reg X clock.
- 07Claims AnalystThe claim package, read and reconciled for review.
- 08Payoffs ManagerQuotes, good-through dates and the release clock.
- 10Compliance ManagerEvery servicing call and letter scored.
You Ain't Seen Nothin' Yet
Book a Demo
Pack up some of your complex historical files — any loan type, any investor. We run them through intake, income and condition clearing, and in 30 minutes you see every condition we created and cleared efficiently for your own team, and why.
- Any loan type, any agency guideline or custom investor overlays.
- Every finding cited to the guideline or document it came from
Case study highlight
Loan review fell from 4 hours 50 minutes to 47 minutes per file, and 78% of items now clear at high confidence — so QC touches only the exceptions.
Pre-Close QC Agent · Better Mortgage— read the case study