Introducing Veritus
Deploy compliant voice, SMS, and email agents across the entire loan lifecycle—from origination to recovery
Combinator 
Re-engage dropped applications through intelligent outbound calls, SMS, and chat. Guide prospects through friction points and collect missing documents to increase funnel conversion.
Extend customer service beyond business hours with AI agents that handle balance inquiries, payment processing, and account questions—reducing support costs and improving borrower satisfaction.
Proactively contact borrowers in early arrears to capture payments, discuss hardship options, and prevent roll rates—all while maintaining empathetic, compliant conversations.
Pain Points
Customer acquisition is expensive, making every abandoned application a significant financial loss.
Borrowers with the stable 9-5 jobs you're looking for are the least able to reach you during traditional business hours, but after hours support is expensive and difficult to manage.
Early delinquencies roll into charge-offs because you can't affordably contact every borrower at the right time with the right message.
Recover drop-offs through intelligent, timely outreach. Turn drop-offs into funded loans without adding sales headcount.
Enhance borrower experience by eliminating phone queues and ditching the frustrating IVR maze entirely while cutting your servicing cost.
Engage early-delinquent borrowers before they default. Increase cure rates with empathetic, compliant conversations.
Launch new campaigns or policy changes immediately. Scale instantly with marketing campaigns and delinquency surge—no hiring lag, no severance costs.
Every interaction follows FDCPA, TCPA, and state-specific rules by design. All conversations recorded, timestamped, and scored for Compliance.
AI agents deliver perfect adherence to your brand voice, policies, and escalation procedures—eliminating the variability of human performance.
Features
Rules-based negotiation engine that dynamically offers payment plans, settlements, and hardship options based on your policies. Configure settlement authority, payment thresholds, and approval hierarchies—all traceable and transparent, not black-box AI decisions.
Built-in enforcement of FDCPA, TCPA, FCRA, GLBA, and state-specific regulations. Automatic cadence limits, time-of-day restrictions, and consent management. Intelligent detection and handling of cease and desist, bankruptcy, disputes, deceased borrowers, and attorney representation.
AI-powered QA that reviews 100% of interactions in real-time. Compliance scorecards, sentiment analysis, hallucination detection, and call quality metrics. Flag violations instantly and generate detailed performance reports. Extend the same QA capabilities to your human agent calls.
Design and manage outbound campaigns with intelligent sequencing, channel selection, and contact cadence. Segment portfolios by delinquency stage, risk score, or custom criteria. Schedule campaigns and track performance with detailed outcome analytics.
Unified borrower engagement across voice, SMS, email, and chat. Agents maintain complete conversation context across all channels, adapting approach based on borrower preferences and response patterns. Seamless channel switching within a single interaction.
PCI-compliant payment processing integrated directly into AI conversations. Support for card payments, ACH, payment plans, and settlements. Integration with your existing payment processor or use our partner for direct remittance to your accounts.
Flexible integration options including REST APIs, webhooks, daily flat files, and real-time data exchange. Connect with your LMS, CRM, payment systems, and telephony infrastructure.
Real-time performance monitoring with customizable metrics for conversions, containment rates, payment outcomes, compliance scores, and customer sentiment. Drill down into individual interactions or view aggregate trends. Export data for deeper analysis or board reporting.
Trusted by
Veritus delivered instant results in our debt recovery efforts. In the first month alone, our recoveries increased nearly 70%, and their AI agents are now responsible for half of every dollar we collect. They've made thousands of outbound calls on our behalf, saving us countless hours and eliminating the need for additional headcount.
Having built security programs at major fintech and data infrastructure companies protecting some of the most sensitive financial data in the industry, I recognize what real commitment looks like. Veritus has that same commitment, rapidly building enterprise-grade security into the product. It's rare to see that level of rigor from day one.
Financial services demand vertical expertise to handle the regulatory complexity and nuanced conversations required in lending and collections. Veritus impressed me with both the quality of their voice technology and their deep operational understanding of what actually works in this space. If you're evaluating AI for originations, collections or servicing, Veritus should be at the top of your list.
Security
The question is no longer whether to deploy virtual agents in collections — it's when, with whom, and how to do it right. Written with ARM Tech Advisors, this guide distills industry research, vendor evaluations, and real-world pilot results into a clear roadmap for deploying AI in regulated collections environments. Get real clarity on what works, what doesn't, and what to do next.
Between 50-80% of approved applicants never accept their offer. This guide shows how AI-powered virtual agents re-engage every stalled borrower, reduce inbound call costs, and unlock scalable conversion growth.
When AWA realized they were losing revenue to after-hours voicemail and payment drop-off, they didn't hire more agents — they built smarter infrastructure. This case study shows how a virtual agent transformed their inbound collections operation and closed the gap between commitment and payment.
See how Veritus AI agents can increase conversions, reduce costs, and improve recovery rates—all while maintaining perfect compliance.
Team
Our philosophy is simple: hire great people and give them the tools to do great work.
Member of Technical Staff
Most implementations take 2-4 weeks from contract signature to production launch. Simple use cases (single workflow, flat file integration) can go live in under two weeks. More complex deployments (multiple client portfolios, API integrations, custom payment processing) typically require 3-4 weeks.
We support daily flat file exchange (CSV/JSON), real-time API integration, and webhook-based event triggers. We can integrate with your existing LMS, CRM, payment processor, and telephony infrastructure. Our platform supports SIP trunking, Twilio, Genesys, and other major contact center platforms.
Our compliance engine automatically enforces state-specific rules based on borrower location. This includes contact time restrictions, disclosure requirements, and state-specific debt collection regulations. All rules are continuously updated as regulations change.
Yes. Our agents are specifically designed for the complexity of consumer lending. They handle hardship conversations, negotiate payment plans and settlements, process payments securely, and escalate appropriately when human judgment is required. Unlike generic AI assistants, our agents are trained on decades of collections and servicing expertise.
Our AI agents can perform warm transfers to your human agents, providing a complete summary of the conversation including borrower intent, information gathered, and recommended next steps. This ensures conversation continuity and eliminates the need for borrowers to repeat themselves.
We maintain enterprise-grade security with encryption at rest and in transit, tokenized storage of sensitive data, private network access to databases, comprehensive audit logging, and continuous security monitoring. See our trust center at trust.veritus.com for real-time security posture.
No. Your proprietary information and customer data remain confidential. All vendor agreements explicitly prohibit training on data submitted through API calls.
Our agents operate across voice (inbound and outbound calls), SMS (two-way messaging), email, and chat. All interactions maintain unified context—agents remember previous conversations across channels and adapt their approach based on borrower preferences and response patterns.
We offer flexible pricing models aligned with your business objectives: usage-based (per minute/message), outcome-based (per funded application, per dollar collected, per contained call), or volume-based tiers with fixed monthly fees. We'll work with you to find the model that best fits your economics.
Yes. Servicers and collection agencies can deploy distinct AI agent instances for each client with custom compliance rules, negotiation playbooks, settlement authority, reporting formats, and brand voice—all managed through a single platform. Onboarding new clients typically takes 2-3 weeks.
