Day 2 exceptions resolved before they age
Pay/return decisions, image quality failures, and encoding mismatches investigated across core banking and item processing. Exception packages replace manual queues.
95% Straight-through resolution
Capabilities
One platform for every mid-layer operation — so you can focus on building again
Lending, disputes, collections, compliance — MidLyr runs your mid-layer operations end to end — freeing your team to build the future they signed up for.
01 Lending Operations
Loan files prepped for underwriting with underwriter packages
MidLyr assembles the underwriter package — cross-checked, condition-mapped, and ready for review.
< 1 day Average time to underwriting
- 01 Documents parsed from any format
Paystubs, W-2s, bank statements, and verifications ingested automatically.
- 02 Cross-checked against loan data and conditions
Discrepancies flagged with source evidence attached.
- 03 Underwriter package ready for review
Condition mapping, discrepancy summary, and missing-items checklist — delivered.
02 Disputes & Complaints
Every dispute and complaint investigated with case packages
Card disputes and regulatory complaints run on hard deadlines. MidLyr investigates each case and delivers a complete package before the clock runs out.
0 Missed regulatory deadlines
- 01 Disputes and complaints captured automatically
Card network files, complaint portals, and escalations ingested and categorized.
- 02 Evidence matched across systems
Transaction records, customer history, and merchant data assembled with citations.
- 03 Case package ready for sign-off
Complete evidence chain, response draft, and audit trail — delivered.
03 Collections & Servicing
Agents call informed and compliant with pre-call briefs
MidLyr delivers a call-ready brief before the dialer connects — context, compliance, and strategy in one view.
< 60 sec Brief delivered before every call
- 01 Full account context assembled
Payment history, contact records, and compliance flags pulled from every system.
- 02 Compliance pre-checked automatically
FDCPA rules, state regulations, and contact limits validated before outreach.
- 03 Call-ready brief delivered
Account snapshot, recommended approach, and compliance guardrails — ready to dial.
04 Financial Crimes
Every alert documented with evidence packages
MidLyr investigates every alert and assembles the evidence package — no sampling, no gaps at exam time.
0 Sampling risk at exam time
- 01 Every alert and hit ingested
AML alerts, KYC exceptions, sanctions hits, and PEP matches captured — no sampling.
- 02 Cross-system evidence consolidated
Linked entities, transaction timelines, and prior cases in one view.
- 03 Draft narratives delivered
SAR narratives and due diligence memos generated for investigator sign-off.
More capabilities
The same pattern, applied everywhere
Cross-system investigation and reviewer-ready packages — wherever your mid-layer operations need them.
Asset transfer exceptions cleared with full audit trails
Mismatched registration, missing tax documents, and encoding errors investigated across custodians and core systems. Reviewer-ready resolution packages delivered to operations.
< 1 day Exception resolution cycle
Secure account access through any AI assistant
Customers check balances, review transactions, and get spending insights through ChatGPT, Claude, or any AI assistant — every session authenticated and fully logged.
3 wk Time to launch
Product offers delivered mid-conversation
Targeted product recommendations appear during natural AI conversations. Customers apply on the spot — turning the AI channel into a distribution channel.
3x Conversion vs. email
The same mid-layer infrastructure extends to new workflows as your operations scale.