AI‑Powered Compliance Checking Integrated into One Mortgage System (OMS)
Overview of the New Functionality
One Mortgage System (OMS) has introduced an artificial intelligence (AI) compliance checker that operates directly within its mortgage case journey. Powered by Curvestone AI, the feature automatically reviews submitted files for completeness, consistency, and regulatory compliance.
How the AI Checker Works
The system reads, classifies, and cross-references a variety of documents, including fact‑finds, income evidence, bank statements, and identification documents. It then flags:
- Missing documents
- Mismatched data
- Regulatory exceptions
- Suitability gaps
All alerts are delivered to the case checker within the OMS platform, eliminating the need for brokers to learn new tools or alter their workflow.
Audit Trail and Regulatory Alignment
Each compliance check generates a full audit trail that records what was reviewed, the findings, and the reasoning behind each decision. Curvestone AI has engaged with the Financial Conduct Authority’s (FCA) Innovation Programme to ensure that the AI checker meets regulatory standards.
Key Stakeholder Perspectives
Neil Jannels, Managing Director of OMS, emphasizes that the integration reduces re‑keying and speeds up case submission, allowing compliance to support rather than hinder brokers.
Dawid Kotur, CEO and Co‑founder of Curvestone AI, notes that the solution offers “100% coverage without adding headcount,” providing explainable outputs that satisfy regulators while preserving human judgment for critical decisions.
Scott Thorpe, Founder and CEO of TMG Mortgage Network, highlights the strategic advantage for early adopters, describing the investment as a means to free resources for training, development, and business growth.
Early Adoption and Future Rollout
TMG Mortgage Network and Connect Mortgage are the first OMS clients to use the AI compliance checker, already progressing cases through the new workflow. OMS plans to make the function available to all clients, offering tailored compliance checklists for larger firms and a standard configuration for smaller firms.
Implications for the Mortgage Industry
The integration signals a shift toward automated, consistent, and comprehensive compliance monitoring in mortgage servicing. By embedding AI directly into the case journey, OMS aims to reduce manual errors, accelerate processing times, and maintain regulatory adherence without increasing operational costs.
