Implement MVS Options

You can implement all the MVS Module Apps so that each data module is gathering all of the customer’s financial, employment, and paystub data in a single Connect session (One Touch).

You can also configure two different Connect sessions (Two Touch). The first Connect session displays the financial and payroll module Apps with the assumption that your customers can find their employment records at the payroll providers.

If you needed further employment verification for that customer, then you’d have to contact them to go through a second Connect session to upload their paystub information.

Implement Option Details:

MVS-One Touch

Connect calls all the MVS module apps for the customer to enter all of their financial, payroll, and paystub information in one Connect session. When the customer submits their data at the end of the Connect session, the following MVS reports are generated.

  • VOAI—Transaction report: financial module
  • VOIE—Payroll report: payroll module
  • VOIE—Paystub (with TXverify) report: paystub module

MVS-Two Touch

First touch

Customers enter only the financial and payroll information in the first Connect experience. If the customer finds their employers at the payroll providers and confirms their payment details, then no further verification is needed at that time.

All of the data gathered from the customer is used to generate the following MVS reports:

  •  VOAI—Transaction report
  • VOIE—Payroll report


Second touch

If the GSE requires more employment verification, then you’d have to contact the customer to go through another Connect experience to upload their paystub information.

The second Connect session calls the financial module to verify the customer’s Social Security number (SSN) and date of birth (DOB) before they’re allowed to upload their paystub information.

The paystub data is digitized and used to generate the following report:

  • VOIE – Paystub (with TXVerify) report

Single vs Joint Borrower Differences

The following are the differences between a single borrower and joint borrower experience within one Connect and MVS session.

  • Financial data
    • Each borrower signs into their bank to add and permissions the accounts they want to use for verification.
    • One VOAI – Transactions report generates with both of the borrower’s accounts and transactions information.
    • Both of the joint borrowers have the same report portfolioId, which is available for both customers in the Consumer Portal.
  • Payroll data
    • Each borrower verifies their SSN and DOB to search for employment records.
    • If employment records are found at the payroll provider, the borrower confirms (permissions) their employment.
    • A VOIE—Payroll report generates for each borrower. Each report has its own unique
    • Connect prompts each borrower by name through the consumer records.
  • Paystub data
    • If one or both borrowers are required to further verify their employment than each borrower can upload their paystub images or PDF files.
    • A VOIE—Paystub (with TXverify) report generates for each borrower. Each report has its own unique
    • Connect prompts each borrower by name through the consumer records.

The following are the differences between a single borrower and joint borrower experience within one Connect and MVS session.

  • Financial data
    • Each borrower signs into their bank to add and permissions the accounts they want to use for verification.
    • One VOAI – Transactions report generates with both of the borrower’s accounts and transactions information.
    • Both of the joint borrowers have the same report portfolioId, which is available for both customers in the Consumer Portal.
  • Payroll data
    • Each borrower verifies their SSN and DOB to search for employment records.
    • If employment records are found at the payroll provider, the borrower confirms (permissions) their employment.
    • A VOIE—Payroll report generates for each borrower. Each report has its own unique
    • Connect prompts each borrower by name through the consumer records.
  • Paystub data
    • If one or both borrowers are required to further verify their employment than each borrower can upload their paystub images or PDF files.
    • A VOIE—Paystub (with TXverify) report generates for each borrower. Each report has its own unique
    • Connect prompts each borrower by name through the consumer records.