BIZAI use case

SCRA Compliance Automation for Lending Operations

Business Challenge

Banks and credit unions must comply with the Servicemembers Civil Relief Act (SCRA), which provides legal and financial protections to active-duty military members. SCRA affects multiple points in the lending lifecycle—origination, servicing, delinquency management, foreclosure actions, interest rate adjustments, and lease termination.

Compliance teams must review servicemember filings, validate active-duty dates, apply interest-rate reductions, and ensure proper handling before any adverse action is taken.

This review is document-heavy, time-sensitive, and risk-critical; manual processes introduce operational delays, compliance gaps, and inconsistent customer experiences.

Solution: BizAI for Invoice Processing & Compliance

BizAI automates end-to-end processing of SCRA filings and supporting documents, enabling compliant and auditable straight-through-processing where possible and intelligent triage when human intervention is required.

Representative BizAI Actions

Classify
Split
Extract
Verify
Analyze

Identify and categorize inbound submissions (e.g., service invoices, supporting care documentation, timesheets, caregiver notes, receipts).

Separate invoice bundles into individual chargeable line items, attachments, and supporting forms.

Automatically extract, structure, and validate all invoice data—including provider and patient details, authorizations, service codes, charges, payment terms, and caregiver documentation—to ensure accurate, compliant billing.

Cross-check extracted data against rate schedules, authorization guidelines, and contractual fee schedules.

Apply policy and compliance rules to determine reimbursable vs. non-reimbursable charges, flagging exceptions for audit review and potential fraud detection.

Integration & Workflow

System Integration

Structured outputs flow to AP, claims management, and compliance systems for payment decisioning.

Exception Routing

Non-compliant, duplicate, or unsupported invoices are routed directly to the compliance team with highlighted discrepancies.

Governance

BizAI is able to apply internal audit standards and payer compliance rules, ensuring policy and program adherence.

Auditability

Every extracted field and compliance decision is fully traceable back to the source invoice and governing policy clause.

Standardization Benefit

By digitizing and automating invoice intake and validation, BizAI replaces manual reviews with a standardized, rule-driven adjudication process. This ensures consistent application of reimbursement policies across all caregiver types and service categories — reducing variation, rework, and fraud exposure.

Business Impacts

80–90% reduction in manual invoice review time.

Consistent enforcement of reimbursement policies across all care programs.

Improved compliance visibility through audit-ready documentation.

Faster reimbursement cycles, enhancing caregiver satisfaction.

Reduced fraud and payment leakage through automated detection of invalid or duplicate claims.

Key Takeaway

Fisent BizAI transforms healthcare invoice processing from a manual, error-prone workflow into an automated, transparent and compliant process, ensuring that every charge is validated, reimbursed, and recorded accurately — protecting both the payer and the patient.

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