Work File 01 of 5 Lending · Compliance
AI-driven compliance checks
A nationwide non-bank lender embedded AI into the application workflow to check identity, income, credit and policy on every file, with a full audit trail.
100%
of applications checked in real time, up from about 10% under manual QA
Before: manual QA sampled around one in ten applications.
After: every application checked in real time, exceptions sent to a QA officer.
The challenge
- Manual QA could only sample around one in ten applications
- Policy breaches were found after settlement, when they were expensive to fix
- Growing volumes meant more QA staff, or more risk
- Regulators expected every decision to be explainable
What we built
- AI that reads payslips, statements and IDs as they arrive
- Lending policy, credit rules and QA checklists applied to every application
- Clean cases routed straight through, exceptions sent to a QA officer
- Every check logged with its reasons for audit
What changed
- 100% of applications checked in real time
- Issues caught before decisions are final, not after settlement
- QA time spent on genuine exceptions
- A traceable, audit-ready record for every decision
Why it worked
Compliance moves from a sample checked after the fact to every case checked as it happens. That is the pattern we bring to every regulated workflow.
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