Curvestone AI, the AI compliance and oversight platform for regulated financial services, has today announced that Specialist Mortgage Group, the Cardiff-based group behind Y3S Loans, Y3S Bridging and Commercial and Chase Blue Loans, has deployed its platform across their advice and quality-control process.
Curvestone embeds directly into Y3S's existing CRM via API. It reads call transcripts, emails, WhatsApp and text messages, credit files and applicant data, then checks each file against the group's own policies as each case progresses. Four checks are now live: shopping list validation, which confirms whether or not each document the lender requires is on file; vulnerability assessment; Land Registry report review; and an advice suitability assessment that passes or fails each case against over 100 validation points.
Each report takes approximately 5 minutes and cites the evidence behind every finding. The adviser stays in control and makes the final decision, whilst every assessment and decision is recorded for audit and fed into the group's monthly MI and annual Consumer Duty report.
Y3S has run quality-control checks on 100% of its cases for almost a decade. Curvestone lets the group keep that level of oversight as it grows, now without having to scale headcount at the same rate. The deployment comes as the FCA has completed its distribution review of the second charge market, with a sharp focus on suitability rather than eligibility.
In one vulnerability assessment completed within days of deployment, a customer briefly mentioned a recent bereavement during an early call but did not raise it again. Curvestone’s vulnerability assessment was run two weeks later, which reviewed all conversations and brought that context together for the adviser, who assessed whether the customer needed additional support or more time to consider their options.
Dawid Kotur, Founder and CEO at Curvestone AI said: "Y3S already checks every case, which puts them ahead of much of the market. Together we've made that oversight consistent, evidenced and fast, built on their own policies and running inside the system their team already uses. We look forward to extending the work as the group scales."
Barney Drake, CEO at Specialist Mortgage Group adds: "Before Curvestone, vulnerability assessment was done at adviser level, and ensuring consistency across 40 to 50 advisers was far more challenging. Now it's driven by our policy, and takes minutes to present all evidence to the advisor, who then makes the final call.”
"The investment is comparable to having a person do the work, but the outcome is consistent in every case. AI is there to assist, not to replace, and it puts me in a position to consider significant scale without depending on recruitment."
