Counterparty and seller-servicer oversight
Risk-rank counterparties, eligibility, collateral, servicing, representations, breaches, and remediation.
counterpartyloan populationservicingremediation
Work-to-proof operating intelligence
Connect mortgage operations, counterparty risk, models, liquidity, mission, and FHFA supervision.
A shared work graph for housing assets from origination through securitization, servicing, advance, collateral, disclosure, and examination.
One governed operating record
✓ Faster governed work✓ Earlier material-risk detection✓ Complete evidence lineage✓ Continuous regulatory readinessRole-specific execution
Workflows that become examination proof.
People do their actual work in Smarter. Approved outcomes, evidence receipts, and requirement status synchronize into Vigil without duplicating files or exposing restricted content.
Housing finance risk
Reconcile credit, market, liquidity, capital, model, operational, and mission measures.
portfoliomodelcapitalmission data
Shared intelligence fabric
Every useful action improves the system—inside constitutional boundaries.
Raw work product remains workspace-private; only authorized, purpose-bound, pseudonymous reviewed outcomes may enter minimum-cohort learning.
Raw work product stays privateNo employee performance scoringMinimum cohort and human approvalNo automated regulatory decisions
SmarterHousing Finance
Vigil examination bridge
Operational actions become requirement-level evidence.
- ✓FHFA supervisionAuthority · task · evidence · result · receipt
- ✓CFPB mortgage examinationAuthority · task · evidence · result · receipt
- ✓HUD/FHA reviewAuthority · task · evidence · result · receipt
- ✓Prudential bank examinationsAuthority · task · evidence · result · receipt
Smarter × Vigil