By Aarav Garg
Today
- Compliance
- Digital Banking
- digital payment
One Mortgage System has integrated AI-powered compliance case checking into its mortgage workflow through a partnership with Curvestone AI, marking an early use of embedded AI compliance tools in the UK mortgage market.
The new capability has gone live with TMG Mortgage Network and Connect Mortgages, which are among the first firms to deploy the system in live case processing.
“Everything in OMS is about reducing re-keying and reducing the time required for brokers to submit a case,” said Neal Jannels, Managing Director, OMS. “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.”
The integration allows mortgage case files submitted through OMS to be automatically reviewed for completeness, consistency and regulatory compliance. Curvestone’s AI engine analyses uploaded documents including fact finds, income evidence, bank statements, identification records, suitability letters and supporting paperwork. It then cross-checks these files against a firm’s compliance checklist.
“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,” said Dawid Kotur, CEO and Co-Founder of Curvestone AI. “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.”
Potential issues such as missing documents, data mismatches, suitability gaps and regulatory exceptions are flagged directly within the OMS platform. The companies said this removes the need for advisers or compliance teams to learn separate systems or alter existing workflows.
Each review generates an audit trail detailing what was checked, what issues were identified and the basis for each finding. Curvestone said the technology has been developed through engagement with the Financial Conduct Authority innovation programme, with a focus on explainability and governance for AI-assisted decisions.
TMG Mortgage Network, which has more than 300 advisers, and Connect for Intermediaries, with over 350 advisers and access to more than 200 lenders, are the first adopters.
The rollout reflects growing interest across UK lending markets in using AI to automate operational tasks such as document review, compliance monitoring and case administration, particularly as brokers and lenders face rising volumes, tighter regulation and pressure to improve turnaround times.