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Aoife O Carroll

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NAMFS 2018 Conference of Mortgage Field Services

NAMFS 2018 conference of mortgage field servicesDenver, Colorado (September 5-7)

This September’s NAMFS mortgage field services conference at the Hilton in Denver’s city center was a key event for the mortgage field services industry. Representatives from Aspen Grove Solutions attended and found it an invaluable experience for meeting and engaging with those involved in the industry. Visitors to the Aspen booth discovered how our solutions can help them with compliance and vendor management.

Pre-launch events for the NAMFS 2018 Conference of Mortgage Field Services kicked off on the Wednesday morning with the 5th Annual John Ward Memorial Golf Outing at Park Hill Golf Club and the 6th Annual NAMFS Gives Back event.

The official start of the NAMFS mortgage field services conference was later that evening, with the launch of the welcome reception and the Opportunity Expo at 6pm. Up to 40 exhibitors had stalls at this year’s expo, with representatives from field services, technology solutions, industry supplies, insurance, and cost estimating software.

Thursday started with breakfast and an address from the NAMFS leadership.  Keynote speaker Andrew Oxley spoke about “The Three Roles of a Leader.” Attendees then participated in vendor-specific technology sessions and other meetings.  The day rounded off with a Recognition & Awards Ceremony.
Friday featured industry-specific breakout sessions, as well as sessions on the state of the industry and servicer panel general sessions. The conference wrapped up with an off-site presidential reception at the Wynkoop Brewing Company, close to the hotel.
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Background Checks: Protecting the Mortgage Servicing Industry

aspen irecordCompliance pressures, increasing costs, and other issues can make it difficult to find peace of mind in the mortgage servicing industry. With the industry standard background check and proof of service, however, Aspen iRecord® makes things easier. We give service providers the tools to control and manage vendors and work orders and help field service professionals streamline the process of inspection and preservation. Associating every background-checked vendor with a unique ABC#, Aspen has helped solve an industry-wide problem. GSEs and servicers, NAMFS, and field services vendors have adopted and endorsed the Aspen iRecord® solution. This robust solution addresses the specific problems facing the mortgage field service industry:

  • Exposure to fraud
  • No clear line of sight to the individual(s) who worked on your property and whether they posed a risk to consumers,
  • No generally accepted set of requirements
  • Cost of multiple checks
  • Confusion and risk associated with a lack of common standards
  • Significant dollar leakage

The Aspen Background Check Solution

With Aspen iRecord®, mortgage servicers, service providers, and field service professionals win. Our solution addresses:

  • cost control and recovery
  • vendor oversight
  • reputational risk
  • compliance risk
  • quality
  • community safety

What’s Covered by the Industry Standard Background Check?

The industry standard background check resulted from collaboration between Aspen Grove Solutions and an industry working group set up in 2013. They agreed on a background check that covers the following:

Social Security Number Verification

The background check company verifies the applicant’s social security number to determine whether the social security number has been used fraudulently. They also identify locations where an applicant has lived that they did not list on their application.

Felony & Misdemeanor County Search 

The background check company conducts a county-level search for felonies and misdemeanors. They do not include infractions and traffic violations.

Sex Offender Database Search (State & National)

This covers a state-specific registry that contains information on sexual offenders who are obliged to register in the state in which they reside

National Criminal Record File Search

This searches the database of fugitive files and government watch lists, sex offender registries, state and county criminal record repositories, state departments of corrections, and administrative offices of the court.

Federal Criminal Search

The federal criminal search checks the U.S. District Courthouse. Bank robbery, bank fraud, and kidnapping are among the federal criminal cases that could be uncovered.

Global Sanction Search

The U.S. and foreign database sanctions that this search covers include Office of Foreign Asset Control (OFAC), FBI Most Wanted List, Terrorist Exclusion List, Denied Parties, and World Debarred Parties Lists.

Levels of Compliance

Once the background check company conducts all searches and completes the background check, the applicant is classified according to four individual compliance levels:

  • IC01: This is the highest level of compliance. The client tolerates certain minor crimes and convictions, but the applicant must have a clean record for at least a decade within the criminal charges screened for.
  • IC02: This is the level below IC01. The client is more tolerant of certain crimes and types of convictions, but the applicant must have a clean record for between five and ten years for the criminal charge categories screened for.
  • IC03: The client has a greater tolerance of specific crimes and conviction types, but the applicant must have a clean record for between two and five years for the criminal charge categories screened for.
  • IC04: The highest tolerance level of crimes and conviction types.

How It Works

You can use Aspen iRecord® simply to order a background check, but take full advantage of Aspen’s solution by adopting its proof-of-service technology. The first step is to secure a background check. So how do you do this?

  1. Register with Aspen iRecord® and choose a background check company.
  2. Submit a contact for ABC# and background check, with consent.
  3. Once the background check is completed, it is adjudicated by the background check company.
  4. View the contact’s individual compliance (IC) result.
  5. Release the result to the contact’s Aspen account.
  6. Share compliance through network connections.
  7. The individual uses the ABC# to check in on site at the property.

Once the field service professional has been background checked and received their ABC#, they can be identified when they check in on site without revealing any personally identifiable information (PII). This means your network of field servicers can demonstrate their compliance in a confidential manner. After they have checked in, they update property condition questions and agree to a code of conduct. From the servicer and service provider’s perspective, Aspen’s proof-of-service technology improves oversight, accountability, monitoring, and risk management. Then, they can use our powerful iAnalytics tool to analyze the results.

The Benefits of Aspen’s Proof of Service Solution

Demonstrating proof of service with Aspen iRecord® offers benefits for mortgage servicers, service providers, field service professionals, and consumers. The system is backed by cutting-edge technology to create a streamlined process that saves time, money, and hassle.

If you are a mortgage servicer or service provider, you get the peace of mind that Aspen has defined best practice for the background check. You know you are compliant with regulations regarding the oversight of third-party servicers. You enjoy the consistency of relying on the same industry background check to satisfy different levels of compliance. You get full visibility of your supply chain with proof-of-service check-in at the property for added protection and transparency. This also limits your exposure to fraud and unnecessary charges.

From a field service professional’s perspective, one standard background check means you avoid the expense of having to get different background checks for different service providers. You know that one, accepted background check will do the job every time. You can also use Aspen iRecord® as a promotional tool to share your marketing profile

Communities are protected because only suitably background-checked individuals are permitted onto properties.


To Sum Up:

Aspen’s Background Check & Proof of Service Tell You:

  • Who did the work
  • Whether they were at the right property
  • When they were at the property
  • Whether they were sufficiently background checked
  • The condition of the property (10 binary questions)
  • Whether the work was done in accordance with code of conduct

You know:

  • You meet the industry standard
  • You have demonstrated level of control over third-party vendors
  • You meet standards of compliance and enforcement
  • You can answer auditor questions in a clear, documented approach


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Elevate 2018 Highlighted Default Servicing

Grand America Hotel, Salt Lake City, Utah

February 13 – February 15, 2018

elevate_2018One of the main events of the year for the field services industry in 2018 is the Elevate conference. This is the first time the Elevate conference has offered a full schedule of key sessions specifically for the default servicing industry. These sessions focus on important technological developments in the sector and how participants can benefit from them.

Aspen Grove Solutions president, Ed Buckley, was asked to participate in a panel discussion on emerging technology trends on Wednesday, February 14. This group of industry thought leaders also included Xactware product marketing coordinator Kevin Gulbransen, Miles Preservation president and Professional Field Solutions principle Scott Gilbert, and NAMFS executive director Eric Miller.

Ed was asked for his views on the role of technology in regulation and compliance and the ways it could improve the flow of data to servicers in the future.

Industry Standard Background Check & Proof of Service

Ed’s presentation focuses on the tools Aspen has created to control and manage field service professionals and work orders. Aspen created the industry standard background check, which allows service providers to manage cost control & recovery, vendor oversight, reputation and compliance risk, quality, and community safety. Field service professionals now need just one background check to work for multiple vendors. When they are submitted for the background check, they receive a unique ABC# that identifies them without sharing personally identifiable information. Their compliance level is adjudicated from a level of IC01 to IC04 to accommodate varying client tolerance levels. They can then use Aspen’s mobile API technology to sign in with their ABC# at the property.

aspen irecord

The system offers full network visibility for service providers, with a clear line of sight from the institution to the individual who completes the work. This clearly documented format makes answering audit questions a breeze. Aspen also enables field service professionals to share their marketing profiles. Using Aspen iRecord’s private, cloud-based platform, service providers gain control over the costs of remaining compliant in a challenging regulatory environment.

Transformative technology is an area of key interest to Aspen, so we are delighted to participate in Elevate 2018. We strive to deliver solutions for service providers that integrate smoothly with field service models. We demonstrate how streamlined, technologically driven quality control allows service providers to establish real-time oversight and control over all of the assets and work orders they manage.

Elevate 2018 Contributors

The conference is organized by Xactware Solutions, which provides computer software solutions for building and repair estimation. Its flagship estimating system is Xactimate. The company also creates tools to estimate personal property and emergency repairs. Xactware president, Mike Fulton, will deliver the keynote address at the Elevate conference. “Elevating to the Latest InsurTech and EstimatingTech” will cover the ways in which his company is using the latest technology to transform insurance claims and property repair. Other speakers at the conference include organizational consultant Joseph A. Michelli, Spectrum Field Services’ Melissa Bunker, Professional Field Solutions’ Scott Gilbert, and Property Pres Wizard’s Bob Whelan and Matt Zoldowski.