Compliance, IT & Reporting

Gemini is regulated by the Financial Conduct Authority (Registered Number 311479) for Regulated Mortgage Contracts and Credit Agreements holding permissions related to servicing, advising and originating as well as associated insurance permissions.

The fair treatment of customers is paramount to Gemini, from the governance and strategy disseminated at committee level to the robust servicing systems, policies and procedures continually monitored and developed for case managers to meet the company’s consumer outcomes. You can be confident that your business will benefit from Gemini meeting all associated regulatory requirements.

Detailed internal auditing plans – maintained and approved by the senior management team – help monitor and control this ethos, covering regular and ad-hoc compliance checking, quality assessments, industry best practice etc. Ongoing staff training and development plans ensure that Gemini meets and exceeds the expectations of clients and industry regulators.

One of Gemini’s main strengths is its background in IT, having been founded in the late 1980’s as a financial services software business. Today Gemini still retains an on-site professional IT development team that maintains and enhances the servicing platform. The team provides bespoke, scalable applications allowing full control over change lead by its clients’ needs.

The proprietary IT platform contains a core accounting system that interfaces with case management applications for origination, litigation, asset management and debt recovery. This is fully integrated into Gemini’s imaging, reporting and customer communications software. The platform can be accessed remotely by clients and offers exceptional reliability, high levels of automation and adaptable workflow management.

Gemini’s experience during hundreds of migrations from all types of platforms, plus continued IT improvements implemented, have resulted in a smooth boarding transition that can be completed within anything from a few days to eight weeks, with minimal impact on customers.

This IT infrastructure drives improved customer service, accuracy and portfolio performance.

Detailed and tailored management information, delivered in the format and frequency clients require, provides the foundation for sound business decisions and maximised performance.

Gemini works closely with every client to assess and understand their specific requirements and service level agreements before customising reporting output to meet these needs.

The benefits of Gemini’s data warehouse and client communication systems include:

  • Automated feeds from the servicing platform
  • Lender, portfolio and customised segmentation of loan level data
  • Customer service and compliance assessments
  • KPI, SLA and impairment dashboards
  • Financial Accounts plug-in
  • Regulatory reporting suites
  • Historic multi-portfolio data
  • Modelling, forecasting and trend analytics
  • Data tape templates
  • Gemini’s secure client portal

All reporting needs associated to the portfolio can be met by Gemini’s Analytics Team.

Gemini Consultants loan and mortgage servicing types

To discuss in more detail how Gemini can help call
the Business Development Team on 01582 868621