Starter kit
Data & cloud
Cloud Modernization Assessment
Frame a migration wave with explicit dependencies, readiness and transition economics.
Who we serve · Servicers
Modernize servicing while preserving operational control.
Servicing runs on records that must be explainable years after they were created. We help servicers modernize platforms and data without losing the traceability that borrowers, investors, and regulators depend on.
Types and business models
How servicers differ
Where a subservicer performs daily execution, portfolio ownership and oversight remain distinct responsibilities.
01
Bank and nonbank servicers
Organizations servicing their own or acquired portfolios, balancing platform investment against cost to serve and control requirements.
02
Lenders retaining servicing
Originators that keep servicing rights and must connect origination data cleanly to boarding and ongoing servicing.
03
Performing-loan servicing
Payments, escrow, customer correspondence, and investor reporting at scale, where accuracy and consistency drive cost and trust.
04
Specialty and default servicing
Delinquency, loss mitigation, and default workflows where timelines, documents, and decisions must be traceable.
Questions leaders bring to us
- Can we explain every balance and exception across servicing, finance and investor reporting?
- Which feeds and schedules dictate a safe modernization sequence?
- What must remain traceable during boarding, transfer and cutover?
- How do platform changes alter ownership and frontline workflows?
The challenges underneath
Loan and account records, payment histories, escrow, borrower correspondence, delinquency and default information, investor remittance, finance and vendor feeds.
System-of-record gravity
The servicing system anchors many downstream feeds, each with its own timing and logic. Discrepancies tend to surface late, in an audit or an investor claim.
Historical records
Years of payment, escrow, and correspondence history must remain accessible and explainable when platforms change.
Ownership through change
Platform changes move work between teams and vendors. Without clear ownership, exceptions fall between the old process and the new one.
Platform context
Platform context: environments relevant to this work.
ICE MSPSagent LoanServ / DaraBatch filesHistorical recordsReporting platforms
Relevant capabilities and programs
Programs
- Servicing Data & Cloud Modernization
Servicing data that regulators, investors, and customers can trust.
- M&A Planning & Post-Merger Integration
From pre-deal assessment to realized synergies.
Services
- Data & Cloud Modernization
Trusted data, modern platforms, ready for what comes next.
- Digital Operations & Platforms
Workflows and platforms that carry the operation, not slow it down.
- Strategy & Operating Models
Ambition translated into structures that deliver.
- Transformation Delivery & Integration
Integrated delivery from mandate to measurable value.
- Consent Order & Regulatory Remediation
Turn regulatory commitments into controlled, demonstrable change.
Selected resources
Thinking and tools for the work ahead
Starter kit
Servicing operations
Migration Reconciliation Starter
Define mapping, comparable control totals, exceptions and business acceptance.
Starter kit
Regulatory remediation
Remediation Evidence & Executive Reporting Kit
Separate implementation progress, evidence review and independent validation.
White paper
Servicing operations
Servicing Modernization: Traceability and Control
Connect approved requirements to source data, transformations, outputs and evidence.
White paper
Data & cloud
From Servicing Data to Trusted Data Products
Make data dependable at the point where servicing, finance and analytics use it.
Business case
Servicing operations
Mortgage servicing data modernization
Servicing and banking data had to move from the mainframe to Azure while business and technical teams aligned on the new data foundation.
Business case
Regulatory remediation
Consumer-lending requirements in servicing workflows
Reg V, Reg Z and UDAP requirements needed to translate into vendor-platform behavior and servicing decisioning, including loss-mitigation workflows.