MIAC Analytics™ is the most sophisticated mortgage pricing and risk management software suite available. The MIAC Analytics™ suite includes VeriFi™, DataRaptor-Surveillance™, MIAC Core™, and Vision™ to address FASB’s new Current Expected Credit Loss (“CECL”) requirements with the industries best modeling practices.   VeriFi™ is used to support and manage the data quality auditing and review process. DR-Surveillance will measure a client’s collateral behavior including historical transition roll rates and Time_in_FCL exit curves, and these client-specific behaviors are integrated into MIAC Core, our loan level credit loss model embedded in our Vision cash flow engine and balance sheet model.