From Days to Seconds: How Atlantic Bay Mortgage Modernized Marketing Compliance Reviews with ActiveComply^® Pre-Review 

Atlantic Bay Mortgage gives its loan officers room to build individual brands and create their own marketing materials, a strategy that helps them stay competitive in a fast-moving mortgage market. That same freedom multiplies the volume of content Amanda Tucker, Chief Risk & Compliance Officer, and her team must review before it reaches the public.

Here’s how Atlantic Bay replaced a slow, ticket-based review process with ActiveComply^® Pre-Review (formerly known as TrustFrame^®) to keep pace with its loan officers’ marketing output.

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 ActiveComply Pre-Review (Pre-Review), 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 Pre-Review, 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. Pre-Review scans the content using an AI-powered rules engine that checks for regulatory requirements, disclosure obligations, and company policies.

Key capabilities included:

• AI-powered content scanning for industry compliance and internal policy
• Automated issue highlighting directly on submitted materials
• Rules engine customization aligned to corporate standards and regulatory requirements
• Disclosure detection and guidance based on state and investor rules
• Manual escalation and override for human review
• Fast turnaround: results delivered in seconds

Pre-Reveiw 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.

This platform modernized Atlantic Bay’s compliance review from a manual, days-long process to automated, near-instant analysis.

 “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 at Atlantic Bay Mortgage

The Results

Since implementing ActiveComply Pre-Review, 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, ActiveComply Pre-Review 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 ActiveComply Pre-Review 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.