Commission Reconciliations & Broker Administration.

Our administrators extract your monthly Recipient Created Tax Invoices (RCTIs) from your aggregator (Connective, LMG, AFG, Finsure, Mortgage Choice) and match every line item against settled loan files in your CRM. We flag unpaid upfronts, missing trail payments, unexpected clawbacks, and incorrect commission tiers.

• ✓ Line-by-line reconciliation of upfront commissions against settled loan amounts.
• ✓ Auditing ongoing trail payments to identify unlinked or stopped accounts.
• ✓ Flagging clawback deductions for broker review and dispute logging.

Yes. Based on your practice agreements, we calculate net commission splits for authorised credit representatives, employee brokers, accountants, and real estate referral partners, compiling transparent monthly payment schedules ready for your accountant.

• ✓ Custom split calculations (e.g. 70/30, 80/20, flat referral fees).
• ✓ Deducting aggregator software fees, marketing levies, or PI insurance shares.
• ✓ Compiling professional monthly PDF split statements for each partner.

By running month-on-month variance comparisons between your aggregator trail ledger and CRM active loan balances, our team identifies loans where trail payments suddenly cease, interest rates are miscoded, or lender accounts were disconnected during loan variations.

• ✓ Identifying trail drop-offs without corresponding discharge notices.
• ✓ Drafting query tickets to aggregator commissions support for investigation.
• ✓ Recovering thousands in unpaid broker revenue each year.

All commission statements, RCTIs, and bank reconciliation files are accessed directly within your sovereign Australian cloud instance or accounting software (Xero, MYOB) under strict Zero Local Storage protocols in compliance with APP 8.

• ✓ Zero local downloads or export of remuneration records to Indian hardware.
• ✓ MFA enforced on all accounting and aggregator portal logins.
• ✓ Comprehensive bilateral confidentiality NDAs protecting all financial data.

An engagement begins by defining the work scope, the client-controlled software environment, access requirements, turnaround expectations and review process. A paid pilot can be used before moving to recurring capacity.

• ✓ The scope is matched to the relevant MCR Associates service desk and its published commercial model.
• ✓ The client provides or approves the operating procedures, templates and escalation path for the work.
• ✓ The client retains control over the pace and scale of the engagement.

No. MCR Associates is designed to work in the client’s existing approved software, cloud environment or virtual desktop workflow. The exact tools supported depend on the service being engaged.

• ✓ The client controls user access, permissions and multi-factor authentication.
• ✓ Work is completed within the client’s approved templates and operating process.
• ✓ The client retains ownership of its software licences, records and administrative settings.

MCR Associates’s operating model is based on client-controlled cloud software or virtual desktop access and a Zero Local Storage policy. Specific access controls are agreed with the client as part of onboarding.

• ✓ The client determines the access level required for the assigned work.
• ✓ MFA, restricted permissions and client-approved environments can be used where available.
• ✓ Confidentiality and data-handling requirements are established before operational work begins.

The client retains responsibility for final review, approvals and any regulated or client-facing decisions. MCR Associates provides operational preparation and support within the agreed scope.

• ✓ The relevant Australian licensed, registered or authorised client representative retains statutory responsibility where applicable.
• ✓ Review checkpoints and escalation paths are agreed for the client’s workflow.
• ✓ MCR Associates does not replace the client’s required principal, practitioner or decision-maker.

Yes. A defined pilot or tightly scoped initial workflow can be used to evaluate operational fit, communication, quality review and turnaround before a broader capacity arrangement is considered.

• ✓ The initial scope should identify the work type, required access and completion criteria.
• ✓ The appropriate service desk and commercial model are selected according to the work required.
• ✓ A successful pilot can be expanded only when the client is comfortable doing so.

MCR Associates operates as a B2B back-office support partner. Client-facing communication, regulated advice, decisions and relationship ownership remain with the client business unless a separate, approved scope explicitly provides otherwise.

• ✓ Work is performed according to the client’s operational boundaries and approved procedures.
• ✓ The client nominates the appropriate supervisor or escalation contact.
• ✓ Confidentiality and non-solicitation commitments can be addressed within engagement terms.