One Mortgage System (OMS) has integrated AI-powered compliance case checking into its mortgage case journey through a partnership with Curvestone AI.
The CRM and loan origination platform said TMG Mortgage Network and Connect Mortgages are among the first OMS clients to go live with the capability and are already processing cases through it.
The integration automatically reviews submitted mortgage case files for completeness, consistency and compliance. When a broker submits a case within OMS, the Curvestone AI engine reads, classifies and cross-references uploaded documents, including fact finds, income evidence, bank statements, identification, suitability letters and supporting paperwork, against the firm’s compliance checklist.
It then surfaces missing documents, data mismatches, suitability gaps and regulatory exceptions directly to the compliance case checker within the existing OMS interface.
OMS said there is no additional system to learn and no change to how brokers work.
Every check produces an audit trail documenting what was reviewed, what was found and the basis for each finding.
Curvestone AI has developed its compliance checking technology through active engagement with the FCA’s Innovation programme, with the aim of building explainability and regulatory rigour into AI-assisted compliance decisions.
Neal Jannels, managing director at OMS, said: “Everything in OMS is about reducing re-keying and reducing the time required for brokers to submit a case.
“This integration adds a new layer to that. Compliance should support brokers, not slow them down – and by embedding Curvestone’s capability directly into the OMS case journey, every submitted case gets reviewed to a consistent standard, with issues flagged to the case checker immediately.”
Dawid Kotur, chief executive and co-founder of Curvestone AI, said: “The mortgage industry has accepted a trade-off in compliance oversight that shouldn’t exist: review everything even as your adviser base grows, and go broke, or sample-check and hope for the best.
“This integration makes it possible for every submitted case to be reviewed to a consistent standard, with issues being surfaced immediately. It’s 100% coverage without adding headcount, and outputs explainable enough to satisfy a regulator.
“It doesn’t replace human judgement, but it ensures human judgement is applied where it matters most.”
Connect for Intermediaries, which has more than 350 advisers nationwide and access to more than 200 lenders, is also among the first to go live with the workflow.
Liz Syms, chief executive at Connect for Intermediaries, said: “At Connect, we’ve always believed that technology should strengthen compliance standards, not just add process.
“Working with Curvestone, we are starting to see the system compress what has traditionally been a two-to-three-hour file review into minutes. That ultimately frees our file reviewers to concentrate on higher-skilled work such as the feedback and coaching that genuinely raises adviser standards.
“It means better oversight across a larger volume of cases, which is better for our advisers, our compliance team and ultimately our clients.”
The integration will shortly be made available to all OMS clients, with bespoke compliance checklists available for larger firms and a standard configuration available immediately for smaller firms.
