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Quantify Financial Risk

Full-population testing enables you to quantify the financial impact to your customers AND to your balance sheet.

As the regulatory environment evolves, your financial institution must be able to quantify and mitigate financial risk.

Full-population testing offers complete transparency of your financial risk.

Financial institutions can review and prioritize issues based on severity and build a culture of compliance.

Business scenario and case study

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VALIDATOR tests over 99% more loans in less than 1% of the time.

Do in 20 minutes what it would take one year and 500 people to complete.

CASE STUDY

Scenario 1

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  • Bank merger, banks on different instances of MSP
  • Same full population test applied to data from both portfolios and MSP instances
  • Tested for borrower protection during forbearance period and up to 6 months after, if
    actively seeking assistance

Outcome

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  • Testing identified business process and data differences between the two portfolios for a specific group of customers in forbearance
  • Conversion without this insight could have negatively impacted one group of customers, requiring post conversion manual cleanup

Scenario 2

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  • Large consumer loan sub – servicer tested compliance to required response times for qualified requests
  • Requirements vary across states

Outcome

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  • Testing identified compliance issues
  • Business processes not designed to capture the data required to demonstrate compliance
  • Processes and training did not consider state specific differences in timing and conditions
  • Identified non–compliance trends across certain types of requests, e.g., email vs. letters

See the Benefits