Compliance Management

Harvest understands that protecting your brand is paramount. You rely on vendors to be compliant and follow the law, but are you verifying that? The Harvest Compliance Audit Program is designed to mirror CFPB requirements, integrate industry best practices, and confirm compliance in all key areas for your third party collection agency and collection law firm partners, including:

  • Compliance Management
  • Subcontractor Oversight
  • Complaint Handling and Resolution
  • Communication with Consumers
  • Document Retention and Destruction
  • Disaster Recovery/Business Continuity
  • Employee Hiring & Compensation
  • Employee Training
  • Fees and Interest Policies
  • Payment/Accounting Policies and Procedures
  • Cost Policies and Procedures
  • Licensing and Insurance
  • Trust Account Review and Reconciliation
  • Litigation Management
  • Physical and Information Security
  • Letter Template Review
  • Financial Statement Review
  • SLA Compliance

+ Your specific contractual requirements

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Detailed and Exhaustive

A detailed review of all vendor policies and procedures is followed by on-site key stakeholder interviews, physical security inspection, and account-level testing. Ultimately, you will be armed with a detailed report for all of your vendors.

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While Harvest’s audit program includes testing of controls related to standard collection rules and mirrors CFPB and regulatory audits, specific and unique contractual requirements between you and your vendors can be integrated.

On-Site or Remote

Harvest’s audit program can be performed on-site or entirely remote, depending on your needs. All remote review work is supported by encrypted SFTP for secure document transmission.

Findings Remediation

Harvest will quarterback the remediation process. All findings require evidence of remediation, which must be cleared for the audit to be formally closed. The final audit report is used in the next audit of the vendor, ensuring repeat findings are not occurring.

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