The Challenge
Atlantic Bay Mortgage encourages loan officers to build their own brands and create custom marketing materials. This approach helps sales teams remain competitive in a highly dynamic mortgage market, but it also significantly increases the volume of marketing content that must be reviewed for compliance.
Before implementing TrustFrame, the company relied on a manual ticket-based process for marketing compliance reviews. Loan officers submitted marketing materials through a help desk system where the request moved through multiple departments before approval. A single piece of content could be reviewed by three to five employees, often requiring several rounds of revisions.
The process created several operational challenges:
- Slow and inconsistent turnaround times
- Significant back-and-forth between loan officers and compliance teams
- Resource-intensive manual disclosure reviews
- Difficulty scaling the workflow as the company continued to grow
At the same time, regulatory expectations were increasing. Examiners frequently requested advertising samples and documentation of compliance controls. Preparing materials for regulatory reviews required additional time and internal coordination.
Atlantic Bay recognized that the traditional workflow was no longer sustainable and began searching for a more scalable approach.
The Solution
Atlantic Bay Mortgage implemented TrustFrame, ActiveComply’s AI-powered marketing compliance review platform, to automate the first layer of marketing content review.
The platform allows loan officers to upload marketing materials such as images and PDFs directly into the system. TrustFrame scans the content using an AI-powered rules engine that checks for regulatory requirements, disclosure obligations, and company policies.
Within seconds, the system:
- Highlights potential compliance issues directly on the marketing piece
- Identifies missing disclosures
- Provides explanations tied to regulatory requirements
- Suggests alternative compliant language
- Allows users to resubmit corrected content immediately
TrustFrame also integrates licensing data to help identify applicable disclosure requirements, including state-specific obligations tied to loan officer licensing.
For Atlantic Bay’s compliance team, the platform provides an administrative dashboard that tracks submissions, flags issues, and maintains a complete audit trail of marketing approvals.
The company implemented the system through a structured rollout that included rule configuration, internal validation testing, and a pilot program with selected loan officers before expanding usage across the organization.
“Instead of waiting on a help desk ticket, our loan officers can upload content themselves and get feedback in seconds. That completely changes the experience for our sales teams.”
— Amanda Tucker, Chief Risk & Compliance Officer,
Atlantic Bay Mortgage
The Results
Since implementing TrustFrame, Atlantic Bay Mortgage has transformed its marketing compliance workflow.
The most immediate improvement was speed. Marketing content that previously required multiple internal reviews can now be evaluated in 30–90 seconds, allowing loan officers to bring marketing campaigns to market significantly faster.
The automation also eliminated several manual workflow steps. Instead of routing content through multiple employees, TrustFrame performs the first layer of review automatically. Compliance teams can now focus on complex or escalated cases rather than routine disclosure checks.
The platform has also strengthened Atlantic Bay’s regulatory readiness. During a recent examination preparation process, the company ran required marketing samples through TrustFrame and discovered missing disclosures in several pieces before submitting materials to regulators.
Finally, the solution improved collaboration between sales and compliance teams. Loan officers gained more control over their marketing process, while compliance teams gained greater consistency and documentation across all marketing reviews.
By combining AI automation with human oversight, Atlantic Bay Mortgage successfully created a scalable compliance workflow that supports both regulatory expectations and sales growth.
