Vendor Compliance Automation

Your vendors are
out of compliance.
You just don't know it yet.

OutSourcer runs your compliance rules against every account event your vendors submit - flagging violations the moment they appear, before they become regulatory exposure.

Book a Demo See OutSourcer ->
SOC 2 Type II
Enterprise Security
Real-Time Monitoring
Founded 2016
OutSourcer - Live Dashboard All systems active
Accounts
48.2K
-> 3.2% this week
Vendors
14
-> 2 onboarded
Violations
2
- from 9
Violation Engine - Recent View all 127
Reg F contact cap exceeded - Novara Recovery Group Resolved 2h ago
SLA breach: 30-day placement window - Ironbridge Debt Solutions Active now
Missing validation documents - Calder Financial Services Flagged 5h ago
Vendor Monthly Recovery Goals
Crestline Recovery Partners
88%
Ironbridge Debt Solutions
61%
Halcyon Collection Services
94%
01
Relying on vendors to self-report compliance?
Stop relying on vendors to self-police. OutSourcer applies your compliance rules to every event they submit - automatically, every time.
02
Losing account history when you switch vendors?
Account Continuity preserves every event as accounts move through placement tiers - Firsts, Seconds, Thirds. Each vendor along the way receives the full history. Nothing is lost, nothing starts over.
03
Regulations changing faster than your team can adapt?
Build compliance rules once. The Violation Engine monitors and alerts before you have exposure - not after.
The Platform

Everything your recovery operation needs - in one place

OutSourcer was built for the way recovery teams actually work: remote, multi-vendor, and under constant regulatory pressure.

Violation Engine
Evaluates every account event your vendors submit against your configured compliance rules - automatically flagging SLA breaches, regulatory violations, and anomalies the moment they appear.
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Account Continuity
As accounts move through placement tiers - Prime, Second, Third - every event and status change stays attached to the account permanently. No history lost when you rotate vendors or re-place debt.
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Vendor Network Management
Manage placements, monitor performance, enforce SLAs, and compare vendors side-by-side from a single centralized command center.
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Analytics & Reporting
Structured data warehouses with enhanced validation deliver unprecedented accuracy. Scenario-based models surface insights for strategy decisions.
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Automated Workflows
Tags drive everything. Add or remove a tag and workflows fire automatically - routing accounts, triggering notices, or escalating placements. Every account can carry multiple tags, so complex rules run in parallel without manual oversight.
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Enterprise API Integration
OutSourcer was designed API-first - every function available in the UI is available via API. Modern vendors exchange data in real time through secure, event-driven integrations. Legacy vendors requiring SFTP file delivery are fully supported without compromise.
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Violation Engine

The only platform that catches compliance issues before they become exposure

Traditional compliance relies on periodic audits and vendor self-reporting. OutSourcer scans every account, every day, against rules you define.

  • Build rules around changing regulatory guidelines - no developer required
  • Every event submitted by your vendors is evaluated against your rules - 100% coverage, not random samples
  • Real-time alerts when violations are detected - before regulators see them
  • Permanent event ledger for every account - every compliance event recorded, searchable, and exportable on demand
  • Monitor SLA treatment mandates and consumer contact caps simultaneously
Compliance Rules - Live Status
Reg F - Daily contact cap (7 calls / 7 days) Active
FDCPA - Cease communication compliance Active
SLA - 30-day placement window enforcement 2 Flagged
State law - TX consumer notice requirement Monitoring
Bankruptcy / Probate auto-recall scrub Active
Multiple vendors working same account detection Monitoring Active
4.5M
Accounts in Inventory
99.8%
Compliant
9K
Active Violations
How It Works

Up and running in days, not months

Built for remote teams. All you need is a browser.

1
Connect Your Vendors
Onboard agencies via API or file transfer. Map your existing data structures - no rip-and-replace required.
2
Define Your Rules
Configure the Violation Engine with your compliance requirements, SLA thresholds, and treatment mandates.
3
Monitor in Real Time
No waiting for manual audits. Every event vendors submit is evaluated against your rules - violations flagged instantly so your team can act, not investigate.
4
Optimize & Scale
Use performance analytics to route accounts to top vendors and refine strategy across your entire portfolio.
By the Numbers

Built for enterprise scale from day one

100%
Cloud-native - no server infrastructure to maintain
Event-driven
Compliance rules evaluated against every event your vendors submit - nothing missed, nothing skipped
0
Data loss during vendor transitions with Account Continuity
10+
Years building cloud-first recovery software
Who We Serve

Stop managing vendors. Start managing outcomes.

If your business outsources pre or post charge-off accounts - in any industry - OutSourcer was built for you.

Banks & Credit Unions
Govern third-party agency networks with enterprise-grade oversight and real-time compliance monitoring.
Fintech Lenders
Move fast without breaking compliance. OutSourcer keeps pace with your growth and changing regulations.
Consumer Finance
Manage every vendor handling your credit card, auto, and personal loan charge-offs from a single interface.
Medical Revenue Enhancement
Navigate the complex intersection of healthcare billing regulations and FDCPA requirements with confidence.
Business Process Outsourcing
Run multi-client recovery operations with the control and auditability your enterprise clients demand.
Insurance & Government
Configurable compliance engines meet the strict oversight requirements of public-sector accountability.
Security & Trust

Enterprise security, built in from the ground up

Your data never moves to unsecured infrastructure. OutSourcer is cloud-native with enterprise-grade security at every layer.

SOC 2 Type II
Annually audited
Encrypted
At rest & in transit
SOC 2 Type II - Tested and Attested By Prescient Assurance
Independently audited and attested
OutSourcer completed its SOC 2 Type II examination covering the full 12-month period ending December 31, 2025, audited by Prescient Assurance LLC. The report is available to prospective customers under NDA.
  • Access from any browser, anywhere - no VPN, no client software to install
  • Role-based access controls - granular permissions per user and vendor
  • Complete audit trail retained for the life of every account
  • Serverless architecture on Microsoft Azure - built to scale automatically, with enterprise-grade availability and no infrastructure to maintain
  • Client data fully isolated - no multi-tenant data commingling
  • API-first architecture with OAuth 2.0 and rate limiting
  • Infrastructure as Code with Pulumi - all changes automated and fully auditable
  • SOC 2 audit conducted annually since founding - continuous compliance commitment
  • Audited financial statements produced annually since founding - transparent and accountable operations
Client Results

Real outcomes from real operations

OutSourcer doesn't just manage your vendor network - it transforms what your recovery operation can achieve.

Consumer Finance - FinTech Lending
From $3M to $14M in annual collections - 10x ROI after costs
10x
ROI after costs
$14M
Annual collections today
1
Person managing the entire recovery network
6yrs
Continuous partnership
The Challenge

A rapidly growing fintech lender with 13,000+ merchant partners inherited a recovery organization with no outsourcing of charged-off accounts and limited internal capacity. They needed to launch a full debt recovery operation within months - with automation, scalability, and Reg F compliance built in from day one.

The Results

Annual collections grew from $3M in year one to $14M today. One person now manages the entire recovery vendor network - a function that required full teams at the Director's previous organizations. OutSourcer's Reg F compliance tools kept operations running uninterrupted while competitors struggled to adapt.

"

In our first year outsourcing with OutSourcer, we collected $3 million. Today, that number has grown to $14 million annually, with a 10x ROI after costs.

Director of Recovery - FinTech Lender
"

I feel like I'm working with coworkers rather than a vendor. I know exactly who to contact, and they're always responsive.

Director of Recovery - FinTech Lender
"

They listen to what we need and build it into the platform, rather than telling us what we should have.

Director of Recovery - FinTech Lender
Consumer Lending - 1,000+ Branches, 16 States
Tripled account placement volume in year one - zero additional staff
3x
Placement volume in year one
0
Manual payment postings after automation
1K+
Branches across 16 states
0
Additional staff to manage the growth
The Challenge

A prominent consumer lending organization with 1,000+ branches across 16 states was bottlenecked by manual payment processing. Collections were sent in bulk each week, requiring staff to post every transaction individually - a process so labor-intensive it capped how many accounts could be placed with vendors. Their existing infrastructure couldn't scale.

The Results

OutSourcer eliminated manual data entry entirely - transactions now flow directly from servicers into the company's system with zero manual input. The team tripled its account placement volume in the first year with no additional headcount, shifting from reactive process completion to proactive performance oversight. OutSourcer also integrated cleanly with their legacy COBOL system through flexible, open-standard data mapping.

"

In our first year with OutSourcer, we tripled the number of placements we could make. That was a game changer for us.

Director of Recoveries - Consumer Lender
"

The biggest thing we needed was automation for payments and transactions, and OutSourcer delivered exactly that. It brought us out of the dark ages and into the 21st century.

Director of Recoveries - Consumer Lender
"

OutSourcer exceeded my expectations. It's taken us from process completion mode to process oversight mode, letting us validate things are getting done properly.

Director of Recoveries - Consumer Lender
Healthcare - National Ambulance Service Provider, 13 States
Full account visibility restored across multiple agencies - after write-off
13
States of operations
0
Custom tools required to achieve visibility
100%
Accounts trackable across all agencies simultaneously
->
More consistent debt sales after implementation
The Challenge

A national ambulance service provider with hundreds of thousands of annual transports across 13 states had a critical visibility gap: once accounts were written off and closed in their billing system, they went dark. There was no efficient way to track them across multiple collection agencies. Without a unified view, forecasting was unreliable and debt sales were inconsistent.

The Results

OutSourcer restored full account visibility across all agencies simultaneously - no custom tooling required. The team could now forecast payments more accurately, respond proactively to account issues, and sell bad debt more consistently than ever before. Imagined.Cloud's competitive, flexible pricing and responsive support made the experience stand out against larger, more rigid alternatives.

"

OutSourcer gave us visibility to accounts that we didn't have before. Once we wrote off an account, our billing system closed it out, and we just lost visibility after that. With OutSourcer, we could monitor those accounts among multiple collection agencies.

Recovery Operations - National Healthcare Provider
"

The fact that we could pull all accounts and filter them through for our debt sales worked very well. It gave us the ability to sell bad debt more consistently than we were able to before.

Recovery Operations - National Healthcare Provider
Our Founders

50+ years building the industry.
Now reimagining it.

The Imagined.Cloud team brings together deep expertise in debt recovery operations, enterprise cloud architecture, and collections technology - built from the inside out.

CH
Carl Harkleroad
Founder & Chairman

50+ years in accounts receivable technology. Founded Latitude Software in 1997 - grew to 350+ clients before selling to a public company in 2010. Previously built and managed IT operations for Capital Credit Corporation, Corless Credit, and The Master Collectors, supporting thousands of collectors working on behalf of the Department of Education. Founded Imagined.Cloud in 2016 to bring modern cloud infrastructure to the recovery industry.

LinkedIn c.harkleroad@imagined.cloud (904) 536-7300
RR
Rick Regan
Co-Founder & VP of Sales

35+ years in financial services across collections & recovery operations, consulting, business development, and executive leadership. Deep expertise in bankcard processing, consumer banking, automotive and mortgage finance, first-party servicing, and recovery technology. Spearheaded the vetting, purchase, and installation of two enterprise recovery platforms. Magna Cum Laude graduate, University of Texas at Dallas.

LinkedIn sales@imagined.cloud
BG
Brad Germain
Founder & Chief Product Officer

Technology entrepreneur and product executive specializing in cloud-native architecture for complex enterprise environments. Started at Deloitte's public sector consultancy as an early cloud adopter - earned a Letter of Commendation from the Director of DISA for contributions to one of their early cloud computing initiatives. Prior to Imagined.Cloud, served as Principal Architect for a global logistics provider spanning 100+ lines of business across 30+ countries. Leads product strategy, platform architecture, and enterprise client engagement. Advisory board member of a venture-backed pharmaceutical software company.

LinkedIn bradley.germain@imagined.cloud
JO
Jonathan Ohlrich
Co-Founder & Chief Architect

25+ years of software development experience with a focus on education and mentorship. A self-taught programmer from age 10, Jonathan was leading a development team at a web startup by 17. After a decade in academia - both studying and teaching - he returned to full-time development building software for the collections industry. Brings a rare combination of deep technical craftsmanship and a passion for building teams that last.

LinkedIn
FAQ

Frequently asked questions

Everything you need to know about OutSourcer before your demo.

Security & Compliance
How is data secured in OutSourcer
All data is encrypted at rest and in transit using enterprise-grade security controls within Microsoft Azure. 256-bit AES encryption at rest and TLS encryption in transit are utilized.
How is client data segregated?
Data is separated using dedicated Azure resource groups for each client - no multi-tenant data commingling.
How is access controlled?
Access is managed via secure token-based authentication with role-based permissions per user and vendor.
Does OutSourcer support regulatory compliance?
Yes - it enables monitoring and enforcement of federal, state, and local compliance requirements including FDCPA, Regulation F, and state-specific consumer notice mandates.
Is there an audit trail?
Yes. A complete event history is maintained for every account for the life of the account - searchable and exportable on demand.
Does OutSourcer support audits?
Yes, with full data traceability across all vendor interactions and account events.
Platform & Architecture
What is the platform architecture?
OutSourcer is a cloud-native, serverless, event-driven platform built on Microsoft Azure. It auto-scales with demand and requires no infrastructure to maintain.
What does API-first mean?
Every function available in the OutSourcer UI is also available via API, enabling seamless real-time integrations with your existing systems and vendor networks.
Does it require SFTP?
No - all integrations are API-driven. For legacy vendors that require SFTP file delivery, OutSourcer fully supports that too without compromise.
Can it handle large volumes?
Yes. OutSourcer is designed for enterprise scale and auto-scales using Azure serverless infrastructure to meet demand.
Are updates automatic?
Yes - continuous updates are deployed automatically with no downtime or manual upgrades required on your end.
Does it require internal IT resources?
Minimal. The fully managed cloud infrastructure means your team doesn't need to provision or maintain servers, environments, or infrastructure.
Vendor & Account Management
What vendors can be managed?
Agencies, attorneys, and bankruptcy and probate vendors - any third party involved in your recovery operation.
Are placement tiers supported?
Yes - unlimited customizable placement tiers (Firsts, Seconds, Thirds, and beyond), each with their own rules, SLAs, and workflows.
Can workflows be automated?
Yes. Tag-driven automation fires workflows automatically when account events occur - routing accounts, triggering notices, and escalating placements without manual intervention.
Can it support debt sales?
Yes - including full account history export for debt buyers, enabling more consistent and better-documented debt sales.
Does it support multiple jurisdictions?
Yes. OutSourcer supports varying regulatory environments across federal, state, and local jurisdictions simultaneously.
Can OutSourcer act as a system of record?
Yes - it can serve as the system of record for all recovery activity, or integrate with your existing systems via API.
Implementation & Pricing
How long does implementation take?
Typically under 90 days. OutSourcer is designed for rapid onboarding with minimal disruption to existing operations.
How are vendors onboarded?
Through API integrations and configurable workflows. Legacy vendors requiring file-based delivery are also supported.
What pricing model is used?
Consumption-based pricing including subscription, per-account, and storage fees. Contracts are flexible based on client needs.
Is training required?
Minimal. OutSourcer is designed with intuitive workflows that allow teams to get up to speed quickly without extensive training programs.
What differentiates OutSourcer?
50+ years of industry expertise combined with a modern, cloud-native architecture built API-first from day one. Unlike legacy platforms, OutSourcer was designed for the way recovery teams work today - remote, multi-vendor, and under constant regulatory pressure.
Why is it low risk to implement?
Cloud-native with minimal infrastructure requirements, a consumption-based pricing model, and flexible contracts - there's no large upfront commitment or complex installation.

Ready to reimagine
your outsourcing operation?

Talk to our team about your goals, your challenges, and how OutSourcer fits your operation. No pressure - just an honest conversation.

Book an OutSourcer Demo