Operations and compliance that keep up with your lending.
Servicing, collections, default and compliance, moved off spreadsheets and email onto real workflow. We deploy Gianni, our operations and compliance template, in your environment and customize it to your states, products and policies. You get written playbooks, connected systems and a team that runs it without us.
people in the servicing organization we built at Octane, from a first hire in 2018
ratings from S&P and KBRA, supported by that operation
NPS held while passing state and third-party audits
Gianni is our AI agent template for operations and compliance. It starts with a knowledge graph of the rules by state and product. We deploy it in your environment, connect it to your licenses, policies and servicing records, and customize it to your use cases. Gianni is named for A.P. Giannini, who founded the Bank of Italy in 1904 to serve the working families and immigrants other banks turned away.
- Track rule changes by state and product, map them to your licenses and policies, and draft the edits for your compliance officer
- Check servicing calls, letters and complaints against FDCPA, Reg F and state rules, and route exceptions to your QA lead
- Keep model risk and vendor files current, each statement sourced to a record
Gianni drafts and monitors. Your people decide. NextRaise is not a law firm.
Run the book, and stay compliant.
Operations and compliance are one job. The playbook, the system and the rule it follows should agree.
- Contact center and collections design
- Default, repossession and bankruptcy playbooks
- Loss mitigation, title and insurance
- Recovery supplier RFPs
- Quality assurance and audit readiness
- State licensing and compliance matrices
- Written policies and fair lending controls
- UDAAP, privacy and disclosure reviews
- Rule change monitoring with Gianni
- Calls, letters and complaints checked against FDCPA, Reg F and state rules
- Complaint trends and coaching lists
- Model risk and vendor files kept current
- Human approval on every change
Start small. Grow into it.
We look at how the work really runs, find the constraint that costs the most, and write down what to fix first.
A fixed-fee project with a defined scope. You get the fix, delivered and documented, with Gianni configured to your rules.
A retainer or managed service. Senior operators on call, and Gianni watching what changes.
Servicing built from a first hire.
What people ask first.
No. Gianni drafts and monitors. Your compliance officer approves every policy change, and your QA lead reviews every flag.
Bring the process that keeps you up.
Name the servicing or compliance process that is straining, and we will say what we would do first.
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