CRM and loan origination platform, One Mortgage System (OMS), has integrated AI-powered compliance case checking directly into its mortgage case journey, through a new partnership with Curvestone AI.
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 - fact finds, income evidence, bank statements, identification, suitability letters and supporting paperwork - against the firm's compliance checklist.
It surfaces missing documents, data mismatches, suitability gaps and regulatory exceptions directly to the compliance case checker, within the existing OMS interface. There is no additional system to learn and no change to how brokers work.
Every check produces a full 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, ensuring the regulatory rigour required of AI-assisted compliance decisions is built in from the outset.
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 ones.
Neal Jannels, managing director of 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, CEO and co-founder of Curvestone AI, commented: "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."
Scott Thorpe, founder and CEO of TMG Mortgage Network, added: “TMG is investing heavily in the infrastructure, technology and people needed to become the leading mortgage network in the UK. We are going all in on AI, not to replace people, but to free up resource so we can invest even more time into training, development and helping our members grow. Our ambition is clear: to give advisers the best tools, the strongest support and the best platform in the market to build bigger, more profitable businesses. This is the start of a long term AI partnership with Curvestone and another clear statement that TMG is here to lead and here to make a mark.”
