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.
Programs
Servicing Data & Cloud Modernization
Servicing data that regulators, investors, and customers can trust.
We help servicers and subservicers modernize the data and platforms behind the servicing book — from loan boarding and portfolio transfers through escrow, default, and investor reporting.
The questions we hear
- How do we reconcile servicing data across MSP, LoanServ, or Dara and our downstream systems?
- What does a controlled migration of a servicing portfolio actually look like?
- How do we make investor and regulatory reporting repeatable, controlled and traceable?
- Which servicing workloads can move to cloud, and in what order?
The challenges underneath
System-of-record gravity
The servicing system of record — ICE MSP, Sagent LoanServ, or Dara — anchors hundreds of downstream feeds: escrow analysis, investor reporting, default workflows, customer channels. Each feed carries its own timing and transformation logic, and discrepancies surface late, usually in an audit or an investor claim.
Transfer and boarding risk
Portfolio transfers are where servicing data breaks. Without disciplined mapping, reconciliation, and trial boards, loans board with wrong balances, broken escrow, and missing documents — and the cost lands on borrowers and the compliance team.
Reporting dependent on a few individuals
Investor, regulatory, and management reporting often depends on a handful of people who know which spreadsheet fixes which feed. That creates a concentration of operational knowledge and, with it, continuity and control risk.
What we do here
- Servicing data estate assessment across system-of-record and downstream feeds
- Cloud data platform design for servicing analytics and reporting
- Portfolio transfer, boarding, and migration reconciliation
- Investor and regulatory reporting modernization
- Default, escrow, and customer data workflow redesign
Outcomes we work toward
- Reconciled loan-level data from system of record to every downstream consumer
- Repeatable, evidenced investor and regulatory reporting
- Lower transfer risk and faster boarding of acquired portfolios
- A cloud-ready servicing data foundation with clear ownership
Selected evidence
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