Mortgage and Consumer Lending Services

Helping lenders and servicers transform challenges to opportunities.

The pace of transformation across mortgage and consumer lending has introduced both opportunities and challenges for operations, technology, risk, and compliance functions. Industry changes including enhanced automation and APIs in mortgage and home equity, alternative auto lending options, as well as digital-first personal lending have disrupted traditional industry practices and ways of working. These disruptions provide abundant opportunities to enable enhanced customer and employee experience, streamlined processing, and automated monitoring. Successful lending organisations must optimise people, processes, and technology to enable efficient and compliant loan origination and servicing activities for both their employees and their customers.

Protiviti's consumer lending services helps lenders and servicers to be more effective and efficient in a way that is risk-sensitive, regulatory compliant, well-controlled, and enabled by leading technologies.

Our Mortgage & Consumer Lending consulting advisors provide solutions tailored to your organisation’s unique needs in the following areas:

Risk management

Proactive leaders know they must adopt more innovative risk management practises to succeed. We help you leverage emerging technologies, harness data and maintain a strong control environment so you stay on the leading edge of risk management while improving your bottom line.

Regulatory compliance

Our subject matter advisors use their understanding of global and domestic regulatory landscapes to help you optimise resources and design compliance risk management programmes that are efficient, innovative, and, tech-enabled increasing the effectiveness and decreasing the cost of compliance.

Technology

Whether you are looking to automate, modernise, or embark on an end-to-end transformation journey, our technology consulting solutions can help. Our services range from strategy, design, and development through implementation, risk management, and managed services.

Internal audit

Through our world-class Internal Audit and Sarbanes-Oxley practises, we ensure your IA activity provides the highest value to your organisation, whether you need to employ agile principles and AI to transform your IA function or co-source or fully outsource your Internal Audit and Controls functions.

Operational excellence

Our advisors work closely with your key stakeholders to integrate industry best practises and tailor business solutions to help you reduce operating costs, increase productivity and service, build resiliency and reduce the capital required to support business goals and objectives.

Digital transformation

Evolving needs and customer expectations challenge even the most agile organisations. We help you think differently to redefine customer experience, explore new operating models, create enhanced digital channels, and build skills that instill a culture of innovation and agility.

Data and analytics

Using data to identify untapped opportunities is a powerful competitive advantage. Our experts support your data needs from data strategy and governance through the development, design and implementation of advanced analytics and digitalisation using artificial intelligence and machine learning.

Managed solutions

We provide a unique and flexible delivery model for consulting, implementation and operations services to help you address short-term skill gaps, deliver project results, and transform your organisation by creating the right team that can scale up or down quickly and cost effectively to fit your needs.