An independent view

We have carried out reviews on numerous companies over the past eight years for a client list that includes investment and retail banks, building societies, asset managers, accountants, new lenders and investors. As a result our services are developed regularly to keep up with the changing market place.

To review and download product and information sheets click here

Specific areas that we can help clients with include:

Portfolio Review and Due Diligence

Bring clarity and control to your portfolio

  • Data integrity checks
  • Revaluations
  • Funding line renewals
  • Data cleansing
  • Re-underwriting
  • Arrears collection processes
  • Portfolio risk identification
  • Funding line provision
  • Title checks and verifications
  • Post-completion checks
  • NPL and loss mitigation
  • Pre-securitisation checks
Learn more

Regulatory Compliance Service

Support and verification of your internal audit functions

  • Telesales compliance
  • Collections oversight
  • Customer service calls
  • Inbound call filtering
  • QC verification
  • Mystery shopping
  • Benchmarking services
  • Review of compliance returns
  • Complaints handling
Learn more

Third Party Supplier Oversight

Be confident in your suppliers performance

  • Service level agreements reviews
  • Loan servicer reviews
  • Asset manager reviews
  • Debt counsellor audits
  • Introducer compliance checks
  • Litigation solicitor oversight
Learn more

Consultancy Services

To support you with independent opinions

  • Risk policy reviews
  • Local market conditions reports
  • Evaluation of customer service levels
  • Deep dive loan assessments
  • Regulatory compliance opinions
  • Portfolio performance forecasts
  • Originator start up placements
  • Data integrity verification
  • GAP analysis
Learn more

Staffing Services

When you need specialist staff

  • Underwriter placements
  • Collections oversight
  • Compliance verification
  • Professional litigation support
  • Servicer oversight
  • Customer services expertise
  • Interim management
  • Training
  • QC specialists
Learn more

Expert Witness Services

Unrivalled expertise in mortgages and loans

    • Individual file reviews
    • Loan portfolio reviews
    • Regulatory compliance opinions
    • Complete loan book assessments
    • Complaints handling
    • Collections and re-possession processes
    • Property disposal and oversight
    • Lending policy commentary
    • Fraud investigation
    Learn more

Customer Contact Evaluation

Improving standards

  • Compliance and quality assurance
  • Organisational behaviour
  • Process reviews
  • Customer experience management
  • GAP analyses
  • Efficiency reviews
  • Complaint handling reviews
  • Corrective action plans
  • Performance management
  • Change programmes
Learn more

Specifically for CMCs

Independent support at variable cost

  • Regulatory compliance assistance
  • Third party supplier oversight
  • Telesales monitoring and reports
  • Policy writing and reviews
  • Quality control measurement
  • Complaints handling and reporting
Learn more
  • Portfolio Review and Due Diligence

    Bring clarity and control to your portfolio

    • Data integrity checks
    • Revaluations
    • Funding line renewals
    • Data cleansing
    • Re-underwriting
    • Arrears collection processes
    • Portfolio risk identification
    • Funding line provision
    • Title checks and verifications
    • Post-completion checks
    • NPL and loss mitigation
    • Pre-securitisation checks
  • Regulatory Compliance Service

    Support and verification of your internal audit functions

    • Telesales compliance
    • Collections oversight
    • Customer service calls
    • Inbound call filtering
    • QC verification
    • Mystery shopping
    • Benchmarking services
    • Review of compliance returns
    • Complaints handling
  • Third Party Supplier Oversight

    Be confident in your suppliers performance

    • Service level agreements reviews
    • Loan servicer reviews
    • Asset manager reviews
    • Debt counsellor audits
    • Introducer compliance checks
    • Litigation solicitor oversight
  • Consultancy Services

    To support you with independent opinions

    • Risk policy reviews
    • Local market conditions reports
    • Evaluation of customer service levels
    • Deep dive loan assessments
    • Regulatory compliance opinions
    • Portfolio performance forecasts
    • Originator start up placements
    • Data integrity verification
    • GAP analysis
  • Staffing Services

    When you need specialist staff

    • Underwriter placements
    • Collections oversight
    • Compliance verification
    • Professional litigation support
    • Servicer oversight
    • Customer services expertise
    • Interim management
    • Training
    • QC specialists
  • Expert Witness Services

    Unrivalled expertise in mortgages and loans

    • Individual file reviews
    • Loan portfolio reviews
    • Regulatory compliance opinions
    • Complete loan book assessments
    • Complaints handling
    • Collections and re-possession processes
    • Property disposal and oversight
    • Lending policy commentary
    • Fraud investigation
  • Customer Contact Evaluation

    Helping you to improve standards

    • Compliance and quality assurance
    • Organisational behaviour
    • Process reviews
    • Performance management
    • Customer experience management
    • GAP analyses
    • Efficiency reviews
    • Complaint handling reviews
    • Change programmes
  • Specifically for CMCs

    Independent support at variable cost

    • Regulatory compliance assistance
    • Third party supplier oversight
    • Telesales monitoring and reports
    • Policy writing and reviews
    • Quality control measurement
    • Complaints handling and reporting

Rockstead is delivering results

  • Third party supplier oversight

    Client | Secured Lender

    Introducer audit to verify regulatory position.

    Result

    Implementation of due diligence for introducer appointments.

  • Expert witness

    Client | UK Insurer

    Individual file reviews to assess lending quality.

    Result

    Independent opinion provided for the court.

  • Consultancy Services

    Client | Potential US investor

    Market review to support potential entrant into new territory.

    Result

    Enabled rapid market entry position.

  • Consultancy Services

    Client | UK hedge fund

    GAP analysis to confirm underwriting risk assessments met with authorities.

    Result

    Implemented revised verification processes.

  • Portfolio Review and Due Diligence

    Client | Swiss Bank

    Vendor due diligence, including drive by valuations and DPA checks.

    Result

    Re-assurance of asset quality and faster conclusion of deal.

  • Regulatory Compliance Services

    Client | Challenger Bank

    QC verification to review internal records.

    Result

    Checking the checkers to improve standards and efficiency.

  • Regulatory Compliance Services

    Client | Spanish servicer

    Customer service calls listen to ensure adherence to internal scripts.

    Result

    External audits enhanced reporting quality.

  • Third party supplier oversight

    Client | Investment Bank

    Debt counsellor audit as a result of change of supplier.

    Result

    Re-assurance on procurement process and field agent appointment.

  • Expert Witness

    Client | Uk Insurance Company

    Compliance review to establish whether mortgage sales advice was appropriate.

    Result

    Use of historic data to assist in decision.

  • Staffing Services

    Client | Spanish Servicer

    Litigation support team to assess third party suppliers and performance.

    Result

    Cost effective use of temporary staff.

  • Expert Witness

    Client | Hedge Fund

    Loan portfolio review to assess sale and purchase agreement.

    Result

    Review of loan files resulted in negotiated settlement.

  • Third party supplier oversight

    Client | Hedge Fund

    Loan servicer review to ensure collection strategies compliant.

    Result

    Improved contact tactics as a result of deficiencies found.

  • Consultancy Services

    Client | Irish Bank

    Market conditions report to help establish client strategy.

    Result

    Report enabled high level decision to enter new jurisdiction.

  • Portfolio Review and Due Diligence

    Client | Irish Bank

    Arrears collection monitoring to comply with internal/external standards.

    Result

    Independent verifications and regulator reporting.

  • Consultancy Services

    Client | Investment Bank

    Data integrity check to assess compliance with DPA.

    Result

    Re-assurance of asset quality and speedier conclusion of deal.

  • Portfolio Review and Due Diligence

    Client | Investor

    Revaluations to establish current asset class, description and value.

    Result

    Removal of potentially compromised security and confirmation of value.

  • Regulatory Compliance Services

    Client | Irish bank

    Collections call review to ensure compliance with regulations.

    Result

    Efficiency drive and improved reporting.

  • Staffing Services

    Client | Specialist Lender

    Compliance experts for external confirmation of internal policies to satisfy auditors.

    Result

    Implemented suggestions to improve process and internal communications.

  • Portfolio Review and Due Diligence

    Client | Hedge Fund

    Data Cleansing prior to loan book sale.

    Result

    Confidence in collateral held plus enhanced sale price achieved.

  • Third party supplier oversight

    Client | Specialist lender

    Asset Manager review to assess management of properties.

    Result

    Improved process and faster sales of assets.

  • Staffing Services

    Client | UK Bank

    Underwriter placements to confirm TCF principles in place.

    Result

    Quick deployment and cost efficient solution to staffing shortage.

  • Expert witness

    Client | Building Society

    Lending Policy review to assess whether criteria was in line with market place.

    Result

    Criteria amendments carried out.

  • Expert witness

    Client | UK Lender

    Individual file reviews to measure against reasonably prudent test.

    Result

    Agreement reached at mediation.

  • Staffing services

    Client | UK lender

    Quality control manager to review exception decisions.

    Result

    Consistent decisioning and recording of data on systems and files.

  • Regulatory Compliance Services

    Client | Investment bank

    Mystery shop of asset managers to ensure compliance.

    Result

    Revised SLAs implemented.

  • Portfolio Review and Due Diligence

    Client | Building Society

    Pre completion audit to review underwriting and QC function.

    Result

    Consistent decision process implemented.

  • Portfolio Review and Due Diligence

    Client | UK Investment Bank

    Purchaser due diligence in a new asset class and new territory.

    Result

    Re-assurance on quality of asset, client records and price affirmation.

  • Consultancy Services

    Client | UK Lender

    Risk review to confirm whether TCF principles were being adhered to.

    Result

    Assessment resulted in change of operational process to meet regulatory compliance.

  • Regulatory Compliance Services

    Client | UK Bank

    Collections oversight – listening to outbound customer collection calls.

    Result

    External non conflicted feedback.

  • Third party supplier oversight

    Client | Lender

    Servicer review of four suppliers to benchmark service levels.

    Result

    More consistent data provision and negotiation of commercial pricing.

  • Consultancy Services

    Client | Short term lender

    Risk Policy review to assess documentation.

    Result

    Re draft of entire suite of documents.

  • Regulatory Compliance Services

    Client | Claims Management Co.

    Inbound call centre review to ensure compliance with regulatory guidelines

    Result

    Assessment resulted in change of operational process.

  • Third party supplier oversight

    Client | UK Bank

    Litigation solicitor oversight to ensure regulatory compliance.

    Result

    Independent confirmation of policy adherence for internal audit team.

  • Expert Witness

    Client | Valuation Company

    Professional negligence assessment by independent party.

    Result

    Filtered claims to fast track settlement proposals.

  • Staffing services

    Client | UK hedge fund

    Start up team to set up new origination policies and procedures.

    Result

    Quicker establishment of base processes in advance of FCA application.

  • Staffing Services

    Client | Irish Bank

    Collections practitioners to help satisfy regulators targets for customer contact.

    Result

    Increased productivity and reporting process.

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