C. and A. Courier Services™
YOUR EYES AND EARS IN THE FIELD!
* WE GET YOUR CUSTOMERS ON THE PHONE.
Merchant Inspection and Verification Services:
Prior to signing a new merchant agreement or renewing an existing one, processing banks are required to verify that the applicant is a bona fide business, has in place sufficient safeguards to protect sensitive transaction and cardholder information and that it generally complies with applicable laws. Additionally, the processor is required to ensure that each transaction processed by the merchant will reflect bona fide business between the merchant and the cardholder.
Risk Management Information Services provides the information to mitigate risk
>Inventory Details (Floor level of Merchant Location, Approx SQ. Footage, Inventory present, etc.)
>Validate Operating Equipment/Employees. (Number of Employees, Telephones, PC's, Registers and
Credit Card Machines)
We can assist with a Physical On-Site Risk Management Information Services Inspection:
Interior/exterior Merchant Site Inspection includes:
*Residential/Commercial location survey.
*validate appropriate and adequate inventory
*Prohibited business practice documentation.
•Interior and exterior photos of the business, inventory and equipment
*Customer document disposal verification.
*Sensitive document storage audit.
*Secure PC terminal documentation.
•Business signage and address verification photos
•Description of the merchant’s business operations
•Observation of displayed business hours, licenses and credit card decals
Drive-by Exterior Inspection:
Exterior Merchant Site Inspection includes:
•Exterior photos of the business
•Business signage and address verification photos
•Observations of the merchant’s facility
A Risk Management Information Services merchant site inspection is an objective visual analysis of a business and is usually requested by credit card processing companies.
A Merchant Site Inspection is conducted when a business wants to begin accepting credit cards as a form of payment from customers
This service is required under VISA and MasterCard rules. Third party credit card processors are required to conduct on site inspections, by an outside vendor, of companies who are registered to offer credit card processing to merchants.
Risk Management Information Services provides the information to mitigate risk
>Inventory Details (Floor level of Merchant Location, Approx SQ. Footage, Inventory present, etc.)
>Validate Operating Equipment/Employees. (Number of Employees, Telephones, PC's, Registers and
Credit Card Machines)
We can assist with a Nationwide Physical On-Site Risk Management Information Services Inspection:
Interior/exterior Merchant Site Inspection includes:
*Residential/Commercial location survey.
*validate appropriate and adequate inventory
*Prohibited business practice documentation.
•Interior and exterior photos of the business, inventory and equipment
*Customer document disposal verification.
*Sensitive document storage audit.
*Secure PC terminal documentation.
•Business signage and address verification photos
•Description of the merchant’s business operations
•Observation of displayed business hours, licenses and credit card decals
Drive-by Exterior Inspection:
Exterior Merchant Site Inspection includes:
•Exterior photos of the business
•Business signage and address verification photos
•Observations of the merchant’s facility
We are a provider of top quality Baltimore MD residential property valuations for the mortgage industry, Portfolio Monitoring Property Risk Management Inspections, Property Management, Business Valuation Services, Company Appraisals, Baltimore MD field services such as floor plan inventory verification services and vehicle inspection services...
Physical property inspection remains the primary source of risk management information.
Merchant Account Inspection and Verification Services
All lending involves risks. Lenders control risk on the front end by developing and using strong underwriting policies and procedures. Once a loan is originated, lenders use loan portfolio management to manage risk. One critical element of a strong portfolio management system is the loan review.
We provide Independent 3rd party assurance and compliance!
@ We put you “on the phone “with your customer!
*Decrease your Risk Management-Increase your bottom line.
*Decrease your Commercial Business Insurance Rates-lower overhead cost.
*Increase Client/Customer Satisfaction ratings-increase Sales.
*Verify asset/Collateral Condition and Location.
On site commercial business Risk Management verification inspection
IPhone Mobile Payment Processing, Commercial Inspections / Door Knocks / Equipment Inspections / Field Rep Jobs / Floor Plans & Audits / Insurance Inspections / Loss Control Inspections / Merchant Site Inspections / Mortgage Inspections
Baltimore MD Franchise Royalty Fee Audits & Royalties Management:
Royalty Fee Audits to identify underreported sales, Audits are one way to monitor franchisee compliance, Discovery Audit Services document franchise standards compliance, Recovery Audit Services helps the Franchisees recover unreported sales, Etc.
Protect your Baltimore MD neighborhood from the fall-out of foreclosures.
Because some home owners can't take their pets with them, they leave their pets behind, either in the home or in the back yard. We have seen this numerous times. We have found many left-behind pets, during property inspections. Please DO NOT leaves your loved ones behind!
If you find or see abandoned foreclosure pets, immediately call your local Baltimore MD SPCA or Humane Society and ask them to come rescue these helpless pets.
Do you know how much your home is really worth today? Have foreclosures affected its value? Can you trust the appraisal?
"Homeowners don't know what's going on around them anymore," says Kim Bradley, of Marquee Properties, a full service realty company in Northern Virginia.
A lot of the confusion centers on appraisals--the process of estimating what a home is worth. Gyrations in the housing market have made appraisals more fraught than ever. For their part, banks have tightened up appraisal requirements, in some cases leading to delays that may cost sellers money. On top of that, new rules designed to protect the integrity of the appraisal process may be having the unintended result of pushing valuations lower, according to the National Association of Realtors and other industry critics.
1. Inflating home values is a thing of the past
2. A wall has gone up between lenders and appraisers
3. You need to price your home right the first time
4. Comps don't have to include distressed properties
More changes to come?
Increasingly, there's a trend for sellers to request their own appraisals prior to listing their properties. With appraisers working on both the buying and selling side of the equation, home values are more likely to remain balanced into the future.
Tags: home appraisal, home appraisals, home appraisers, home valuation, home value, Home Appraisal, Home Appraisals, Home Appraisers, Home Valuation, Home Value
All Field Service Inspections will be Photo Documented.
*Lease Pre-Fund Risk Management inspections
*Dealer Floor Plan Risk Management Inspections
*Insurance Loss Control Risk Management Inspections.
*Better Business Risk Management Verifications
*Third Party Physical Site Risk Management Inspection
*Appraisal Site Surveys
*On-Site Photo Documentation & Verification
*On-Site Business Documentation & Verification Auditing
*Commercial Leased Equipment Verifications Risk Management
*Franchise Royalty Audits Risk Management
Tenant Act: Are your bases covered?
It took effect in May 2009, but there are many questions about the Protecting Tenants at Foreclosure Act (PTFA), or the Tenant Act. More people are becoming aware of the law, both on the consumer and industry side.
Here's the gist: The Tenant Act is a federal law that gives renters living in a house that gets foreclosed on 90 days before they can be evicted. If there is a bona fide, arms-length lease, the lender/investor, or its servicer intermediary, cannot evict until the lease is expired or the renter breaks the lease.
To educate renters about the law, the Ombudsman for the Office of the Comptroller of the Currency (OCC), released a brief PSA on YouTube explaining the basics.
http://www.occ.gov/ftp/psa/LW1756.pdf
HUD-FHA-VA Loan Requirements for Manufactured Homes - Permanent Foundations and Gaining Compliance...How can I gain compliance with the HUD/FHA requirements for my manufactured home permanent foundation?
http://www.articlesbase.com/mortgage-articles/hud-fha-va-loan-requirements-for-manufactured-homes-permanent-foundations-and-gaining-compliance-2748338.html
Some of the items that are inspected and verified are:
>Site layout, drainage and flood-prone area identification.
>Name, address and phone of home manufacturer.
>Date of manufacture.
>Date of foundation construction and type of foundation.
>Building permit and inspection record.
>Foundation size and tie down placement.
>Applicable loads on the foundations.
Manufactured or mobile home must be double wide
Manufactured home must be constructed AFTER June 15, 1976
The mobile home cannot have been moved more than once (only moved from the dealership to the current piece of land)
Flood Insurance - No part of the finished grade level under the home can be below the 100 year flood level
Tie Downs (Earth Anchors) - The manufactured home or mobile home (double wide) must have an acceptable number of tie downs, usually the number is eight
Additions are allowed! However, they must have been permitted additions
Working farms are not allowed
Manufactured home must comply with the general FHA requirements and PASS a structural engineering foundation review and certification based on the HUD Handbook 007487, The Permanent Foundation Guide for Manufactured Homes, 1996.
ALL foundation certifications for manufactured homes require an inspection to determine compliance.
At a minimum, there are several compliance issues that must be met; these are:
A permanent skirting around the perimeter.
Permanent piers to support the structure.
Anchorage to resist loads caused by wind and earthquake forces.
And others...
A professional engineer in the state where the house is located must certify that the foundation is in compliance, or non-compliant. Each M.H. is site specific, and loan specific; so there is not cookbook scenario. Each M.H. must be evaluated separately.
Baltimore County Rental Inspection Weekend Appointments Available
Asset Protection With a Friendly Lien
LearnAboutLaw Staff, June 2007
A friendly lien is simply a lien against property that you own that is held by a party or parties that is friendly to you. Some other terms used to describe this device are “friendly mortgage”, and “friendly loan.” The classic example of a friendly lien is as follows: If you borrow money from your parents and they place a lien on your home to secure repayment of the loan, that lien is friendly. Friendly liens are effective asset protection tools.
Tags: risk management information services, Merchant Site Inspection, Certified Credit Reporting Services, document disposal verification, Residential/Commercial location survey, Tenant Screening, Employment Screening, Tax Return Verification, due diligence and risk analysis, identify scams, authenticate legitimate claims, Prior to signing a new merchant agreement or renewing an existing one, processing banks are required to verify that the applicant is a bona fide business, safeguards to protect sensitive transaction and cardholder information, information to mitigate risk, Field Collection Inspection Services, On-site Freelance Digital Photography, Express Courier Delivery Agent Services, Portfolio Risk Management Inspection, Baltimore MD Mobile Notary Svc,Disaster Damage Assessment, Baltimore MD Better Business Search Review, Damaged Freight Inspection, Property Preservation Field Inspection Services, Go Local Buy Local Baltimore MD,Looking 4 Used Scrap Metal, Account Recovery Door Knock Service, delinquent loan accounts, Third Party Debt Collection, Bankruptcy appraisal, Divorce Appraisal, Collateral Spotter, Construction Bank Draw Inspections, Cost Segregation On-Site Survey, locate delinquent debtor, Merchant Inspection and Verification Services,
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