Which costs are our initiatives mitigating?

Not startedPlannedIn progressBuilt, in QADone
AcceleratorA program with an end dateProduct area
$77MInterest on the loan
$35MTech investments
$31MProfit after interest
$595M Running the business
Data bought from other companies
Screening teams
Sales, tech operations, admin
1aSupplier-set price

Court fees, Equifax / TALX, Equifax Education, aggregator APIs; 22% of the criminal pool is data and platform fees.

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E2E Verifications · Smart Routing
Routing engine built in March. Phase 1 stops Equifax TWN purchases we don’t need. Basic Routing now lives here.
AcceleratorIn design · Phase 1
Also reaches
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CGL Builder
Built · in testing
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T&C Standalone Website
In QA
1bOutsourced people (court runners)

42% of the criminal pool, $9.5M of $22.4M; people, not data.

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Scraper (Dexter 2.0 replacement)
ScraperIn progress
Also reaches
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T&C Standalone Website
In QA
2aRetrieval — getting the record

Researchers call employers and schools, navigate court sites, upload about 194K screenshots a year into OpTool.

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Ironsides Verification Engine
VerificationsIn progress · staging
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T&C Standalone Website
Version 1 is built. Removes the manual T&C login and submit.
ProvidersIn QA · near done
Also reaches
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Scraper (Dexter 2.0 replacement)
In progress
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E2E Verifications · Smart Routing
In design · Phase 1
2bReview — making the record reportable

Identity matching, classification, the review-score policy, the two-minds check with human escalation, QC.

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Criminal Background Check Automation
360 LookIn progress
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CGL Normalization · Phase 1
Makes client guidelines machine-readable. Education runs silently in production; Employment is next.
AcceleratorIn progress
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CGL Builder
Structured if / then guideline authoring. Built; test automation in review.
AcceleratorBuilt · in testing
Already shipped, same destination
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Education
Live
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Employment
Pre-launch QC
2cAdjudication — applying the client’s rules

“Does this record matter for this specific job?”, four outcomes from Meets Company Standards to Does Not Meet; about 30 FTEs today.

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Subsystem adjudicators
Automatic scores for severity, disposition and nature of offense.
Compliance ServicesShipping · 1 of 3 done
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Managed Adjudication product
The operator workflow for the ~30-FTE adjudication team. Not scoped yet.
Compliance ServicesIn discussion
Also reaches
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Criminal Background Check Automation
In progress
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CGL Builder
Built · in testing
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CGL Normalization · Phase 1
In progress
3aFinance and back office

10-K SG&A description; billing, cash application, collections.

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Cash Application Platform
Replaces HighRadius. Goal: 80%+ of payments matched automatically. Switch-over is still being scoped.
Cash AppCore built
3bTechnology and platform run-cost

Cloud, security, identity, databases; the DRIs on five active initiatives.

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Infrastructure, Security & Platform Ops
Staging and production environments, Vanta and AWS Security Hub.
PlatformIn progress
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Okta Mapper (RBAC)
Okta divisions now map to user roles when an account is created.
Okta SSODone · v1
3cEngineering and delivery

The developers who build the automation sit in this block, not the middle one.

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AI Workflows & Governance (Control Tower)
360Plus WorkflowsIn progress