Regulatory Quality & Testing
Responsible for the development, maintenance, and oversight of all real estate procedures.
What is Content Controls?
Platform for intaking feedback from the front-line employees.
What is RE Doorbell?
Responsible for reviewing a sample of telephone calls between USAA members, and Real Estate employees/3rd party partners.
What is Call Quality Review (CQR)?
Holistic overview of our LOS by screen, field, source, regulatory citation, identified systemic/manual controls, and KD procedure.
What is the Cadence Matrix?
Process to respond to major service interruption impacting the business, such as a hurricane
What is Business Continuity?
Identifies critical stories, coordinates testing resources, and facilitates final production validation through end to end testing.
What is User Acceptance Testing (UAT)?
Effort to automate dynamic account conditions from CTC to prior to AWC to reduce errors.
What is Dynamic and Friendly Conditions?
Responsible for reviewing a sample of completed mortgage loan applications after Initial Disclosures are sent.
What is Application Quality Review (AQR)?
Mitigates system risk through the maintenance of end-to-end access controls.
What is Access Administration?
Deceptive activity performed by an internal or external party for the purposes of financial gain.
What is fraud or financial crimes?
Conducts production application testing and reporting.
What is Regulatory Assurance Testing (RAT)?
Transition of eSign vendor from eSign Live (Solanis) to the Cadence core integrated solution.
What is DocuSign?
Responsible for reviewing all mortgage applications prior to closing to ensure all policies, procedures, and requirements are addressed prior to generation of the final closing package.
What is Pre-Closing Quality Review (PQR)?
The platform for contributing ideas to improve bringing our members home.
What is go/Improve?
Level of risk remaining after applicable controls have been applied.
What is residual risk?
Provides critical oversight to the proper recording and maintenance of all loans within Cadence and the HMDA LAR.
What is HMDA Quality & Controls (or Central HMDA)?
An automated online/mobile experience that provides members a self-service option to apply for a mortgage loan.
What is Mortgage Digital Experience (MDX)?
Responsible for reviewing a sample of loans that have been underwritten.
What is Underwriting Quality Assurance (UWQA)?
Third party vendor contracted to support Controls Automation.
What is LoanLogics?
Process performed by a first line business or process owner to document and assess risks and controls related to a process, function or line of business.
What is a Risk Control Self Assessment (RCSA)?
Triages and coordinates the closure of Management Identified Gaps.
What is Originations Advisory Team (or Issues Management)?
Screen that allows loan officers the ability to QA/QC their own files.
What is Smart Check?
Responsible for reviewing all final Closing Disclosures (CD's) post close to ensure all policies, procedures, and requirements were completed
What is Closing Disclosure Review (CDR)?
Oversees/provides operational guidance, and support for incoming requests for agile development.
What is the Agile Sustain Train?
A fraud exploit in which the attacker gains access to a title company’s email account and provides amended wire instructions to the closer with the intent of redirecting funds to the attacker.
What is Business Email Compromise or Wire Fraud?