Salient

Salient AI Agents for Loan Servicing is an AI loan servicing platform purpose-built for automotive finance. It acts as an operating system for modern loan servicing, designed to streamline onboarding, collections, compliance, and more. Trusted by tech-forward lenders, it handles millions of unique consumer interactions, reduces handle times, and processes substantial loan activity. It offers three products tailored to automotive lending and provides real-time, compliant automation across voice, text, email, and web chat.

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How Salient Helps Your Lending Team

• Deploy AI Agents to interact with customers via voice, text, email, and web chat
• Automate payments, due date changes, extensions, payoffs, and insurance information updates in real time
• Built for enterprise with complete model observability, data privacy, and security
• Designed to minimize human effort while maximizing compliance and customer experience

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Features

• AI Agents for payments, due date changes, extensions, funding verification, and insurance claims
• Real-time, multi-channel customer interactions (voice, text, email, web chat)
• 70%+ reductions in handle time
• 0-Day integration with existing auto lending stacks (OFSLL, Shaw Systems, Nortridge)
• Seamless integration with payment processors (Stripe, ACI, PayNearMe, Nowpay)
• Real-time borrower data push/pull to existing Loan Management Systems (LMS)
• CCaaS-friendly contact center capabilities (make/transfer/end calls within your CCaaS)
• Enterprise-grade security and compliance (SOC 2, PCI L1, private cloud per lender)
• Built-in regulatory compliance coverage for CFPB, FCRA, TILA, UDAAP and related rules
• Monthly updates to compliance guidelines
• Multilingual support: English, Spanish, Portuguese, Vietnamese
• Dedicated customer success management and high SLAs

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Core Capabilities

• Compliance-first AI agents: fully trained on major financial regulations before handling any call; real-time monitoring ensures compliant interactions
• Data privacy and security: private cloud per lender; SOC 2 and PCI L1 compliant; regular penetration testing
• Comprehensive documentation: every interaction is documented and dispositioned to support audits
• Enterprise scalability: safe, scalable generative AI with complete observability and security
• Rapid integration: 0-Day integration with existing auto lending stacks and easy expansion with new tools

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Integrations & Data Flows

• Payment processors: Stripe, ACI, PayNearMe, Nowpay
• Loan management systems: OFSLL, Shaw Systems, Nortridge
• Contact centers: seamless work within your CCaaS platform

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Security, Compliance & Privacy

• Compliance training on CFPB, FCRA, TILA, UDAP and related regulations
• Real-time monitoring to ensure regulatory adherence
• Private lender cloud hosting to prevent data leakage
• Ongoing security testing and monthly guideline updates

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FAQs Highlights (Condensed)

• What makes Salient different? Purpose-built for financial services with built-in compliance and real-time monitoring
• Language support: English, Spanish, Portuguese, Vietnamese
• Compliance updates: monthly updates incorporated
• Data security: private cloud per lender; SOC 2 and PCI L1 compliant
• Integrations: broad support with payment processors, LMS, and CCaaS; new integrations added regularly
• Support: dedicated CSM and industry-leading SLAs

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How to Use Salient (Overview)

1. Connect Salient to your existing lending stack (LMS, payment processors, CCaaS)
2. Configure AI agents for payment collection, due-date changes, extensions, and insurance updates
3. Deploy across channels (voice, text, email, web chat) and monitor performance

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Adoption & Compliance Notes

• Salient’s agents are designed for financial services from the ground up, prioritizing compliance, privacy, and customer trust
• Real-time oversight helps prevent non-compliant interactions and supports regulatory audits

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Quick Reference: Key Benefits

• Significant reduction in handle times (70%+ potential)
• Real-time, compliant automation across channels
• Easy integration with existing lending tech stack and processors
• Enterprise-grade security and privacy protections