Verification of employment

How do we get a verification of employment from the employer on a secure screen, checked against the application, without the processor calling HR?

Ask the employer directly, once, in a form that returns data rather than a letter. Callvu sends the borrower's authorization to the employer contact, presents the verification on a secure screen (position, start date, pay rate and frequency, year-to-date and prior-year earnings, probability of continued employment), reads the response the moment it is submitted, checks it against the application and the pay stubs, flags discrepancies for the processor, and writes the verification to the file with the responder and the time. Live at Bank Leumi, under national rules outside the US.

Live at Bank LeumiComplex: multi-party handoffsCallvu moves: chase and verify, write back

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Last updated November 7, 2026.

The problem today

The VOE is a fax to HR, a call three days later, and a figure that does not match the pay stub.

Today, without Callvu

The processor faxes a verification form to the employer with the borrower's signed authorization. HR fills it in when it gets to it, by hand. The processor calls to chase, then reads the returned form against the pay stubs and finds the annual figure includes overtime the guidelines treat differently. The verbal VOE before closing is a call that may or may not be logged.

The agency guidelines set what a written verification must confirm and how recent it must be, and require a verbal verification within days of closing. The employer's answer is evidence in the file and a fraud control; a VOE that was altered, or that came from a number the borrower supplied, is how income fraud gets through.

Employers answer faster when the request is a short screen and the authorization is attached.

How it runs

From the requestto the system of record.

The document collection process requires a written VOE for an employed borrower, or the pre-closing step requires a verbal VOE. Callvu opens the verification with the borrower's authorization and the employer's contact from an independent source.

Employer: Confirms employment and income on a secure screen, from the borrower's authorization.
Processor: Reviews only the discrepancies the check flagged.
Borrower: Authorizes the verification and is not in the loop between the lender and the employer.
Callvu: Sends the request, presents the form, reads and checks the response, flags, and writes to the file.

Chase and verify the employer
The employer's contact is taken from an independent source (the lender's employer database, a third-party verification service, or a number verified against a directory), not from the borrower alone. The request with the borrower's signed authorization goes to the employer by email with a secure link; reminders run on the schedule.
The employer confirms
The employer completes the verification on the secure screen: the borrower's position, start date, employment status, pay rate and frequency, base, overtime, bonus and commission year-to-date and for the prior two years, and the probability of continued employment, with the responder's name and title. The screen requires the fields the guidelines need.
Classify and check
The response is read on submission and checked against the application and the pay stubs: the employer name, the position, the base pay and frequency, the year-to-date earnings against the pay stub's year-to-date, and the income components the program treats differently. A match clears the condition; a discrepancy is flagged with the two values.
Write back
The verification with the responder, the time, the contact source and the check results is written to the loan file in the LOS and clears the condition. For the pre-closing verbal VOE, the same screen is used by the processor with the call details recorded, or the employer confirms again by link.

Where it ends: The employer's verification is in the file with the responder, the independent contact source, the time and the check against the application, and the processor saw only the discrepancies. The Decision Trace shows the contact source and the checks; the Audit Trace shows the request, the reminders and the response.

Runtime enforcement

What is enforcedwhile the work runs.

The regulations preloaded in Callvu Studio and the bank's own policies, applied as steps that run, not lines in a binder. A step that breaks a rule does not run, so a completed run was compliant.

Regulations

US requirements shown. Bank Leumi runs this process under national rules outside the US; Callvu loads each market's rules as policies the same way.

Investor and agency guidelines on employment verification (Fannie Mae Selling Guide B3-3.1, Freddie Mac Guide 5302, FHA Handbook 4000.1): A written verification of employment (or an acceptable alternative such as pay stubs and W-2s with a verbal verification) must confirm the borrower's employment and income, must be obtained from the employer through a source independent of the borrower, must be no older than the guideline's limit at closing (generally 120 days), and must be followed by a verbal verification within 10 business days before the note date (or the equivalent for self-employed borrowers).
Income fraud controls and the lender's quality control plan (agency quality control requirements): The verification must not pass through the borrower, the employer's contact must be independently verified, and the quality control plan re-verifies a sample after closing; the recorded contact source and responder are the evidence.
GLBA Safeguards (12 CFR part 364 appendix B) and the borrower's authorization: The employer receives the borrower's authorization with the request, and the response travels on an authenticated link, not by fax or email attachment.

Company policies

The employer's contact comes from an independent source; a contact supplied only by the borrower is verified first.
The verification form requires the fields the program's guidelines need; a partial response does not clear the condition.
Discrepancies are flagged to the processor with both values; a match clears the condition by rule.
The LOS loan file is the system of record for the verification.

Controls

Independent employer contact sourcing.
Authorization attached to the request.
Secure form with required fields.
Reading and matching against the application and pay stubs.
Discrepancy flagging with values.
Responder, time and source recorded; verbal VOE on the same case.

Clocks and deadlines

Verification age: No older than the guideline's limit at closing (generally 120 days).
Verbal VOE: Within 10 business days before the note date.
Employer reminders: On the schedule, with escalation to the processor.

Documents and checks

The borrower's authorization
The employer's contact and its source
The verification as completed, with responder and time
The check results against the application and pay stubs
The verbal VOE record

In the Decision Trace

The contact source and why it is independent.
Each check and its result.
Whether the condition cleared by rule or by the processor.

In the Audit Trace

The request and each reminder.
The response submission.
The write to the LOS and the verbal VOE.

The handoff

Between the front doorand the back office.

The front door

A secure link to the employer, with the borrower's authorization attached.

The back office

The processor sees only discrepancies; the file holds a verification with its source and responder.

The Decision Desk

A discrepancy the check cannot resolve (a pay rate that differs from the pay stub, an employment end date) goes to the processor or underwriter in the Decision Desk with both values and only the allowed outcomes.

Proof

Live at Bank Leumi.Published results only.

Each result is a published claim, with its code on agents.callvu.com, where its status, source and last verified date are kept.

Bank Leumi runs its home lending (mortgage) workflows on Callvu, under national lending rules outside the US.

MTG-01 · Self-asserted · verified 2026-11-06

Bank Leumi cut data errors by 77%.

BNK-03 · Customer-attested · verified 2026-11-02

Bank Leumi reached a 94% average completion rate.

BNK-16 · Customer-attested · verified 2026-11-02

Questions

What buyers ask next,answered plainly.

How does the employer respond?

On a secure screen from a link, with the borrower's authorization attached and the fields the guidelines require; the response is read and checked the moment it is submitted.

How is fraud prevented?

The employer's contact comes from an independent source, not from the borrower alone, and the responder and the source are recorded with the verification.

What about the verbal VOE before closing?

It runs on the same case within 10 business days before the note date, by link or by a recorded call.

Related processes

Borrower document collection Verification of deposit and assets Self-employed income documentation Try it in the sandbox All home lending processes

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