Codvo’s AI agents check loan files, tie out payments and review documents inside the systems already in use. People approve every decision that matters.
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Concept artwork · illustrative AI overlay
Financial services clients
The problem
Different businesses. The same barriers.
Lenders, payments teams or insurers: AI value stalls in the same four places.
Every decision has to be explainedAuditors and regulators ask for the page, the rule and the person behind each credit or compliance decision.
The work runs on documentsClosing packets, IDs, check files and bank exports arrive as scans, PDFs and spreadsheets, in formats that change by sender.
Core systems stay in placeThe LOS, CRM, contact center and payment systems run the business, so AI has to read from them and write back to them.
Access is narrow by designEach person may see only their own clients, cases or rows, and every agent action has to be logged.
Solutions
How we unlock value with AI.
Two ways in. Add AI to the systems your teams already use, or rebuild a process around AI agents. People make every credit and compliance decision.
Servicing CRM · Borrower recordAI added
LoanMortgage · servicing
ChannelPhone
QueueCare
Recent interactions
CallAsked about the payoff process
EmailRequested a payment history
NoteFollow-up drafted, awaiting agent review
AI assistantAnswers cite the record
The borrower asked how to pay off the loan and requested the payoff steps by email. No complaint raised.
Call transcriptCRM case
Answers cited to the record, inside the tools agents already use.Illustrative
Peoplereview and approve
Closing reviewerDecides each break
Post-closing leadOwns exceptions
NeIOPlans the run and routes every exception to the person who owns it.
Your environment
AI agentsdo the work
Document Intelligence agentReads the signed packet
Reconciliation agentCompares it with the XML
Systemsstay in placeLoan systemDocument storeMISMO XML
Reviewer queueBreaks ready for review, every value tied to its signed page.
Agents work on your systems. People own every decision.
One foundation under bothEach piece answers a barrier above.
A reason on record
Each result shows its source page and reason. A person approves, and every change is logged.
Explained decisions
Document knowledge
Scans, PDFs and spreadsheets read and checked, each fact cited to its page.
Document-heavy work
Inside your systems
Agents read from the LOS, CRM and payment systems, and write back only after a person approves.
Core systems
Your access, your boundary
Agents see only what each user may see, and every action is logged.
Runs in your own cloud tenancy, connected only to systems you approve.
Narrow access
Ready-made agents
Start from a ready-made agent.
Built on NeIO and configured to your systems, data and boundary.
AI agentLending · SettlementsDocument Intelligence AgentReads loan packets, IDs and legal papers. Pulls the key facts and cites the page each one came from.AI agentLending · PaymentsReconciliation AgentMatches closing packets to the MISMO XML and payments to the ledger. Only the breaks go to a reviewer.
Concept images, illustrative.
Proof
Explore our deployments
Agentic AI and product engineering delivered for lenders, payments firms and settlement administrators. Client identities are anonymized.
Mortgage capital markets / Loan closing
Loan closing data, checked at the source
Challenge: Each closing packet holds 40+ signed documents, but investors and servicers rely on the MISMO XML. Manual review was slow, and missed breaks created repurchase risk.
What we did: NeIO agents check every key fact in the packet against the XML and correct the XML once a reviewer approves. Every change is logged.
Hours to minutesPer-loan review effort
Mortgage lending / Contact center
Sales and servicing on one cloud contact center
Challenge: Fragmented phone systems, manually maintained phone menus and disconnected CRM work slowed servicing.
What we did: Moved telephony to Amazon Connect with Salesforce, then built phone menu flows for care, collections, disaster services and payments, one release at a time.
4Phone menu flows on one contact center platform
Lease-to-own / Checkout AI
Leasable products found at checkout
Challenge: Shoppers needed to know which items in the cart could be leased, while checking out.
What we did: An NLP model classified product names as leasable or not, served through a scalable API to lease-to-own partners.
85%Classification accuracy
Settlement administration / Payments
Settlement payments tied out claimant by claimant
Challenge: Distribution reports, check files, bank exports and the master ledger each held part of every claimant’s payment, and the team matched them in spreadsheets.
What we did: NeIO matches expected and actual payments claimant by claimant, and sends only the exceptions, such as duplicate checks or returned payments, to a reviewer.
Settlement administration / Compliance
Claimant packages checked before payout
Challenge: Each claimant package held guardianship papers, birth certificates or adoption documents and IDs, and each one was checked one by one against the claimant data.
What we did: NeIO confirms the document type, matches names, checks that IDs have not expired, and marks each package In Good Order or Deficient, with the reason and a confidence level.
Why Codvo
Why financial firms choose Codvo.
Finance product engineering, one governed platform and results measured on the client’s own baseline.
01Built on finance deliveryLoan closing data reconciliation, mortgage contact centers, lease-to-own checkout, settlement fund matching, insurance planning and guardianship review. Each one comes from client work, and the case studies are on this page.
02Product engineering firstCodvo has built mortgage, servicing, payments and wealth platforms. Our engineers know the systems, data and rules before the first agent runs, and they work inside the client’s teams until handover.
03One platform under every workflowNeIO supplies the agents, skills, connectors and memory. Effort goes into the client’s workflow and controls, and the next line of business reuses the same layer.
04Private by designNeIO runs in the client’s own cloud, a private cloud or on-premises, encrypted in transit and at rest. Customer and loan data stay inside the institution.
05Governed for auditNeIO Govern keeps a person on every decision that matters, sets access by role down to the row and records each step. Risk and audit teams can trace a result back to its source document.
06Value measured on the client’s numbersWe baseline the workflow before we build. Then we report the change in speed, quality and cost against that baseline, so the business case rests on the client’s own data.
Bring us one workflow.
In a short working session we map where the documents and decisions sit, show the chain on an anonymized example, and agree whether a pilot makes sense.
AI agentLending · SettlementsDocument Intelligence AgentReads loan packets, IDs and legal papers. Pulls the key facts and cites the page each one came from.
AI agentLending · PaymentsReconciliation AgentMatches closing packets to the MISMO XML and payments to the ledger. Only the breaks go to a reviewer.
