Encompass Admin User Guide

Complete income and employment verification for US employees from within the Encompass platform.

About Encompass

Truv helps loan officers and processors submit income and employment verification requests on behalf of borrowers. Now with Encompass integrations, customers retrieve and refresh aggregate reports and store them in the Encompass eFolder during the mortgage loan origination process.

Setting up Encompass for administrators

The steps below cover each part of setting Truv up with Encompass using administrator privileges.

Step 1

Log into Encompass as an administrator using Encompass Web. Navigate to the Admin tab at the top of the screen, select Company/User Setup on the left navigation. Expand the Verifications category and select Add.

Step 2

Select Truv β€” Verification of Income/Employment from the provider drop down and select Next. If not listed under the My Providers list, contact Truv for assistance.

Step 3

Enter a name for the Service Setup Name and select the list of authorized users that can access Truv. Select Save.

Step 4

Navigate to the Services Management screen and select the Add link on the last column.

Step 5

Visit Truv’s API Dashboard, select Development and then API Keys. Create your company credentials for your users and select Save.

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Note

Truv has three environments, sandbox, development, and production. Each requires an associated Access secret for their respective uses. Sandbox is for checking structure and getting sample data, Development is a production-like environment for end to end testing. Confirm your configurations in these environments before moving to Production. Test verifications in the development environment are not billed or limited.

Step 6

Navigate back to the Encompass platform. Copy and paste the Client ID and access_token for the associated environment.

Step 7

Activate the Truv Verification by toggling the Active flag on the verification integration. If the client_id and access_secret are incorrect, an error message appears when creating an Order.

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Success!

You've activated Truv for Encompass!

Completing verification requests on Encompass LOConnect

Follow the steps below when an administrator sets Truv up with Encompass. This section helps you submit an income and employment verification request using Truv within Encompass.

Step 1

Go to PIPELINE tab, open the loan file, select Sevices, then All Services.

Step 2

Select Order under Verifications and select Truv - Verification of Income/Employment, then select Next.

Step 3

Complete the email address and phone number fields.

  • Select an email address for the borrower to receive an email notification from Truv.
  • Select a phone number for the borrower to receive an SMS notification from Truv.
    • Including an borrower's email and phone number to result in higher conversions. Confirm your borrower's consent before including email and phone number for Orders.
  • Select product type: Employment history for VOE or Income and Employment for VOIE.
    • Select up to 5 employers for VOE
    • Select 1 employer for VOIE. Both Income and Employment for this product type are verified.
  • Under Action, select the Create Order checkbox.

Step 4

Select Submit.

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Success!

You'll redirect to the transaction list, and the borrower receives an email with a link to verify Income and Employment instantly.

Customize Order expiration using the Truv Dashboard. Go to Settings, then Branding, Field Name: link_expiry. The Order will expire and the status is marked as Expired in Orders. Borrowers then cannot use the generated link to complete the verification.

The status column reflects the all associated status updates if an order has multiple employments Borrowers receive email reminders every 24 hours for 3 business days by default and have the option to unsubscribe.

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Note

Unverified borrowers show Pending status.

Managing reports

This section covers how to refresh, view, and cancel reports.

Refresh

Refresh completed VOE or VOIE reports with today’s income and employment information. Select the Refresh the data action and select Submit to initiate the request. After submitting, the status will move to Pending and a new report with updated data is available. Prior reports are still available in the Verification folder.

View

View completed VOE or VOIE reports by selecting View PDF on the Order UI or by visiting the Encompass Verifications eFolder and opening the VOIE Report document. If the order request includes multiple employments, separate PDFs are generated under Received docs.

Cancel

Ordered requests can be cancelled by selecting Cancel order under Action. This is only possible after an Order is created and in Pending status. Completed and expired orders cannot be cancelled.

Need help? Email [email protected] or contact Truv through your dashboard.