Mortgage & Consumer Lending 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 organizations must optimize people, processes, and technology to enable efficient and compliant loan origination and servicing activities for both their employees and their customers.Protiviti 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 firm is widely recognized for delivering practical solutions to financial organizations that embody the five characteristics needed to succeed in the face of disruption: human, flexible, intelligent, innovative, modular. We have assembled integrated teams of industry and process advisors with the skill to help executives develop pragmatic, transformation, risk-sensitive solutions to confidently face emerging challenges and identify opportunities for structural transformation that align with your core values to ensure sustained future growth.Together with Robert Half, the world's first and largest specialized talent solutions firm, Protiviti offers the unrivaled combination of consulting expertise with Robert Half’s deep pool of highly skilled and experienced professionals to solve your business challenges using our unique, flexible delivery models. Survey December 22, 2023 2024 Top Risks in the Financial Services Industry Protiviti and NC State University’s ERM Initiative have been conducting our Top Risks Survey for the past 12 years. This journey began just as financial markets around the world were starting their long, slow recovery from the global financial crisis, and has since covered the worst global pandemic in 100 years as well as near record-low interest rates followed... Learn More What we do Our services Leadership Our services Our Mortgage & Consumer Lending consulting advisors provide solutions tailored to your organization's unique needs in the following areas: Pro Document Consent Risk Management Proactive leaders know they must adopt more innovative risk management practices 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. Pro Building office Regulatory Compliance Our subject matter advisors use their understanding of global and domestic regulatory landscapes to help you optimize resources and design compliance risk management program that are efficient, innovative, and, tech-enabled increasing the effectiveness and decreasing the cost of compliance. Pro Rightmark Square Technology Whether you are looking to automate, modernize, 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. Pro Workflow Flowchart Internal Audit Through our world-class Internal Audit and Sarbanes-Oxley practices, we ensure your IA activity provides the highest value to your organization, 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. Pro Briefcase Operational Excellence Our advisors work closely with your key stakeholders to integrate industry best practices 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. Pro Screen System Integration Digital Transformation Evolving needs and customer expectations challenge even the most agile organizations. 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. Pro Document Stack 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 digitalization using artificial intelligence and machine learning. Pro Legal Briefcase 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 organization by creating the right team that can scale up or down quickly and cost effectively to fit your needs. Featured insights PODCAST Risky Women Podcast | Risk Management With Purpose In this episode of Protiviti's Risky Women podcast series, Ghislaine Entwisle, Managing Director of the Australia Technology Consulting and Business Performance Improvement practice, speaks with Gloria Yuen, Head of Regulatory Enablement and Delivery... RESEARCH GUIDE Sustainability: Frequently Asked Questions The subject of sustainability continues to evolve and present challenges and opportunities for businesses. Protiviti has created a guide of frequently asked questions to provide helpful insight to help businesses navigate sustainability matters.... NEWSLETTER A Call to Action for Boards The inaugural Global Board Governance Survey conducted by Protiviti, BoardProspects and Broadridge — a study believed to be the first of its kind — summarizes the views of more than 1,000 directors and C-suite executives worldwide on the role and... WHITEPAPER Enabling Enterprise AI Adoption Through Next-Generation Governance Artificial intelligence (AI) has become increasingly important in the enterprise, thanks in part to the rise of generative AI (GenAI). While not a new technology or concept, AI (including machine learning) holds tremendous promise to transform... BLOG Improving Financial Services’ Efficiency with Copilot for Microsoft 365 Recently, Protiviti worked with Microsoft to author a whitepaper titled Microsoft Copilot for Microsoft 365: Maximizing its Potential for Financial Services Industry. In this whitepaper, Microsoft and Protiviti provide detailed information on the... Button Button Leadership Michael Brauneis Mike is Protiviti’s global leader of Industry & Client Programs and a member of Protiviti’s executive team. He also serves as the leader of the firm’s global Financial Services industry practice. Mike has more than 20 years of experience focused on serving clients ... Learn More Brandon Beckstrom Brandon is part of Protiviti’s Risk and Compliance solution with a primary focus on process and control design to increase automation and reduce process risk and redundancies. Brandon is experienced in agile transformation and holds the Certified Scrum Master credential ... Learn More Bill Byrnes Bill is a Managing Director with Protiviti. In his current role, Bill oversees all aspects of Protiviti’s US credit risk management practice. This includes consulting and advisory services related to the consumer and commercial business units of regional, national, and ... Learn More Shelley Metz-Galloway Shelley Metz-Galloway is a Managing Director in Protiviti’s Metro D.C. Office. She has more than 25 years in the financial services industry. Shelley offers expertise in consumer regulatory compliance, enforcement action response and remediation, compliance, fair ... Learn More Alan Starr Alan is a Managing Director within the Financial Services Industry practice and has been with Protiviti since 2012. With 15+ years of leadership, Alan manages internal audit, risk governance, and compliance engagements focused on mid-sized and large Financial ... Learn More