Community Banks & Credit Unions

Our Expertise & Experience at Work for You

When you have borrowers in some stage of default, the process of communicating with them becomes a highly regulated and cumbersome effort.

Customer relationships that you've spent years cultivating are at stake, and the government demands that your correspondence meets specific and increasingly rigid requirements. Ultimately, you can be exposed to legal challenges if your notices don't measure up.

Considering the risks, it's no wonder that so many of the nation's lenders—including four of the top five mortgage servicers—turn to us for expert advice and technology to ease the burden. Find out how we can put our industry-leading expertise to work in your market.

Compliance Solutions Tailored for You

Unlike large financial institutions, credit unions and community banks often lack the legal infrastructure to effectively manage all of the nuances relating to the ever-changing regulatory environment influenced by state law and the Consumer Financial Protection Bureau [CFPB].

That’s where we come in. We provide comprehensive compliance reviews, timely legislative updates and advice, combined with a library of reference templates that adhere to all regulatory mandates and employ current market best practices.

Our compliance teams evaluate your notices for conformity with current regulations, consulting with you on the content and format of your letters.

We empower you with updates tailored to local lenders, proactively keeping you informed of new CFPB and state requirements. Through conference calls, monthly compliance webinars and legislative bulletins, our team consults with you on all pending and active regulations, drawing on our proprietary research and resource network. We work with you on an ongoing basis to implement these necessary changes in producing your member communications.

Here Are Some of Our Most Common Examples:

  • Pre-foreclosure notices such as the Notice of Intent to Foreclose [NOI]
  • 2nd liens and home equity lines of credit [HELOC]
  • Loan sale notices and acquisition letters
  • GSE letters for Fannie Mae [FNMA] and Freddie Mac [FHLMC]
  • Loss mitigation notices, including loan modifications, packages and “waterfall” response letters
  • Affidavits of Indebtedness [AOI]
  • Consumer loan collection notices
  • Vehicle finance collection notices

Streamline Mailing & Returns Management

We produce and send millions of important documents every month from our facilities in Phoenix and Southern California. Our proprietary tracking and returns management tools provide you full control in knowing where each document is in the mail stream at all times.

With more than 30 years of experience working alongside some of the nation’s largest financial service companies, we guarantee the highest level of process integrity and client care throughout our fulfillment process.

WALZ consistently achieves near-perfect auditable Service-Level Agreement [SLA] compliance on over 20 million pieces of critical mail processed every year.

Powerful Tracking & Document Access with TrackRight

During the life cycle of your member communications, various individuals need access to the same mailing information.

TrackRight can be accessed throughout your branches in a unified interface, providing your team with a complete view of images and data generated by WALZ, presented alongside USPS® transit and delivery events.

Give your staff the tool they need to have confidence that the entire mailing process was done right. TrackRight has proven itself to be an essential asset when facing legal challenges related to alleged improper notifications.

Security You Can Trust

We understand that the trust your members have for you rests upon the security of their data. With our SSAE16 SOC-1 and SOC-3 certifications, we adhere to Sarbanes-Oxley standards and voluntarily participate in third-party verification through Verizon's CyberTrust Security Management Program.

We regularly test for e-mail penetration, war dialing, and the integrity of all wireless networks, and protect against system vulnerability by participating in quarterly inspections performed on all external and internal applications and network components.