Regulatory Compliance Without Exception
In today’s highly regulated financial environment, the difference between an institution that weathers regulatory scrutiny and one that faces enforcement action, investor claims, or reputational harm often comes down to the rigor and independence of its compliance function. Backed by decades of hands-on regulatory experience and an intimate understanding of the compliance obligations that govern loan servicers, securitization trusts, and government-sponsored programs, Promesa delivers findings and remediation support that clients can act on — with complete confidence.
“Thorough compliance review and uncompromising regulatory accountability are not aspirations — they are the standard Promesa delivers on every engagement.”
Promesa begins every Regulatory Compliance engagement with a thorough assessment of the client’s regulatory environment, compliance obligations, servicing agreements, and audit history — developing a fully customized review strategy precisely calibrated to the assignment and the applicable regulatory framework. At the core of the practice is a meticulous loan servicer compliance review process covering remittance accuracy, escrow administration, loss mitigation adherence, investor reporting obligations, and servicing transfer protocols across a wide range of loan types, servicer platforms, and investor guidelines. The firm’s trust audit services provide independent, investor-grade verification of trust administration practices, distribution calculations, collateral reporting accuracy, and compliance with governing pooling and servicing agreements — delivering documented, defensible assurance for institutional investors, trustees, and regulators. Promesa’s logic testing capabilities deliver systematic, data-driven analysis to identify calculation errors, processing inconsistencies, and systemic defects embedded in servicer systems and reporting outputs before they escalate into material compliance failures or costly warranty exposure. The firm’s warranty claim support practice provides the analytical rigor and professional advocacy needed to pursue, defend, and resolve representation and warranty claims efficiently and effectively — from identification and documentation through final resolution. What truly distinguishes Promesa is its multi-layer logic testing protocols and deep institutional knowledge of the regulatory and contractual frameworks governing modern mortgage servicing and structured finance — refined over decades of direct engagement with federal regulators, GSEs, institutional investors, and servicers of every size and complexity. Whether conducting an independent compliance review, auditing a securitization trust, performing logic testing, or providing warranty claim support in a contested transaction environment, Promesa approaches every engagement with unwavering analytical discipline and professional excellence.
Loan Servicer Compliance Reviews
Meticulous review process covering remittance accuracy, escrow administration, loss mitigation adherence, investor reporting obligations, and servicing transfer protocols across a wide range of loan types, servicer platforms, and investor guidelines.
Trust Audit Services
Independent, investor-grade verification of trust administration practices, distribution calculations, collateral reporting accuracy, and compliance with governing pooling and servicing agreements — delivering documented, defensible assurance for institutional investors, trustees, and regulators.
Logic Testing Services
Systematic, data-driven analysis to identify calculation errors, processing inconsistencies, and systemic defects embedded in servicer systems and reporting outputs before they escalate into material compliance failures or costly warranty exposure.
Warranty Claim Support
Analytical support and professional advocacy needed to pursue, defend, and resolve representation and warranty claims efficiently and effectively — from identification and documentation through final resolution.
Proprietary Compliance Methodology
Multi-layer logic testing protocols and deep institutional knowledge of regulatory and contractual frameworks governing modern mortgage servicing and structured finance — refined over decades of direct engagement with federal regulators, GSEs, institutional investors, and servicers of every size and complexity.
Regulatory Compliance Accomplishments
Claims received, processed, and resolved as FDIC Reps & Warranty Claims Contractor — ensuring timely and fair processing for acquirers of securitized and sold assets within the scope of applicable selling and securitization agreements.
FDIC Surveillance, Oversight & Compliance Monitoring — Loss Share Agreements
Selected by the FDIC to perform surveillance, oversight and compliance monitoring of shared-loss agreements covering commercial loans, other asset portfolios, and single-family loan portfolios across 63 active loss share agreements. Conducted compliance and monitoring visitations to review loan files and business practices, ensuring strict adherence to loss share agreement terms. Prepared findings reports and evaluated the adequacy of acquiring banks’ responses and corrective actions.
FDIC Reps & Warranty Claims Contractor
Provided Reps & Warranty Claims administration and resolution services to the FDIC — receiving, reviewing, analyzing, and recommending approval or denial of all claims filed by purchasers of FDIC assets. Delivered a comprehensive management tool for the receipt, processing, and resolution of over 198,000 claims presented by acquirers of securitized or sold assets, ensuring timely and fair processing within the scope of applicable selling and securitization agreements.
FDIC Loan Servicing Oversight
Provided loan servicer reviews and oversight to the FDIC to ensure that servicers handling assets from failed financial institutions and securitization transactions adhered to contract terms and properly serviced a wide range of assets — including performing and non-performing single family, commercial real estate, multifamily, construction, business, and consumer loans. Performed dozens of similar reviews for the Resolution Trust Corporation and the FDIC during the height of the Savings and Loan and banking crisis.
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