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IT infrastructure

Our IT infrastructure is modern, flexible, integrated and resilient. Significant investment in advanced but proven technology over the last 18 months has led to a robust and scalable infrastructure. The business has three data centers and a fully meshed Acenden network connecting all sites that eliminates single points of failure. The primary data centre is housed in Europe's largest purposebuilt carrier neutral data centre and features an N+1 redundancy, which ensures no loss of service. Data and applications are fully replicated between sites. Systems failover is tested on a regular basis.

Loan boarding We have developed an in-house, purpose built, flexible loan boarding solution, which gives us the capability to board mortgage account data from a variety of sources in a number of formats. It has been specifically designed to ease the migration of account data in the shortest possible time, to help us add value to a range of portfolios. We have successfully boarded loans from external sources, in Sterling and Euros, Acenden Mortgages including two major migrations of over 10,000 loans from other UK-based third party mortgage administrators in spring 2010.

Core mortgage servicing We have a new, modern and fully integrated high volume, bespoke loan servicing system which supports interest and premium payment calculation, data capture and modification as well as insurance premium collections. It includes a securitization administration module and is fully configurable to support most types of mortgages and lending in different currencies. Workflow allows the flexible mix of automated and manual servicing tasks.

Special servicing and collections We use a suite of third party and in-house developed technology to support the collections and arrears management functions designed for the UK and Irish markets. These solutions have been integrated and extended to support litigation, repossessions, property sales, loan modification, shortfall processing, management reporting functions and feeds to the data warehouse. They

provide an integrated desktop, data and analytics and telephony system to maximize collection agents' effectiveness in achieving good outcomes for both customers and clients.

IT infrastructure  
IT infrastructure