Credit and Collections

Risk identification, Assessment and monitoring

Credit and Collection Operations

Self Assessment and Tracking

Why wait for CFPB, Federal and State regulators or litigation to threaten your business’ profit and sustainability?

CFPB Takes Action Against ACE Cash Express

CFPB Orders EZCORP to Pay $10 Million

CFPB Takes Action to Halt Illegal Debt Collection Practices

The ORM Risk Management platform gives you peace of mind by automatically identifying compliance violations and Operational issues before they threaten your business.

Quickly reduce the cost of control functions and improve control effectiveness with:

  • Integrated logic of subject matter experts to efficiently assist staff in performing control, monitoring and testing functions;
  • Improve efficiency and accuracy by fully automating manual control processes and analysis;
  • Detect compliance violations, policy and procedure deviations, and errors in real-time and alerts designated recipients via e-mail; and,
  • Save money by using ORM to audit and test on its own without any human interaction.

  • The ORM platform can significantly improve the business’ profit and performance results
  • Measures employee and attribute performance using defects over opportunities compared to tolerable error rates
  • Statistically compares employees and attributes across peer groups and across business segments
  • Eliminates manual calculations and analysis

ORM Risk Mapping and Process Flowcharting improves efficiency and effectiveness by:

  • Reducing time and complexity required to develop and maintain process flowcharts and traceability matrices
  • Fully integrated the risk mapping and flowchart documentation with the control, testing and monitoring system
  • Enabling automated detection of process risks and control failures
  • Dynamically maintain risk mapping and flowchart documentation with process changes
  • Associates each process step with regulatory risk and control indicators

The intelligent ORM platform:

  • Systematically assesses monitoring and testing attributes and results with associated risks and controls
  • Automatically adjusts control effectiveness (quality of risk management) and residual risk ratings
  • Provides real-time assessment of the Bank’s adherence to laws, rules, regulations, policies or other governance
  • Centralized repository of monitoring and testing