### Select Argyle's verification service 1. Select a loan in Encompass®. 2. Under **Services**: * \[Web] Select **All Services** and then **Order Service**. In the pop-up, click **Verifications** under Categories. * \[SmartClient] Select **Order Verifications**. 3. In the pop-up, select **Argyle** under Providers. Then click **Next/Submit**. Order an Argyle verification service directly within Encompass.

Order an Argyle verification service directly within Encompass.

### Configure notifications (optional) 1. Select which team members should receive updates on verification orders by selecting **Notifications** in the upper-right of the Argyle window (see image below). 2. Add or remove team members from notifications at any stage of the ordering process. Suggested team members are populated from contacts attached to the loan file. Standalone emails can also be entered. ### Select borrower(s) and submit order 1. Select your desired borrowers. Invite borrower(s) and choose which payroll documents and reports to receive within Argyle's interface.

Invite borrower(s) and choose which payroll documents and reports to receive within Argyle's interface.

2. Review the borrowers contact details. Sending invitations via both **Email and SMS** is recommended and generally provides the best overall response rate. 3. If known, search and select the borrowers employer(s). Manually review any pre-filled employers. Argyle will automatically attempt to find matches based on employers found in the Encompass® loan file. 4. Select a verification report. * VOIE is Argyle's verification of income and employment report. * VOE is Argyle's verification of employment report (typically used only for [closing verifications](/integrations/pos-los/encompass/legacy-guide/payroll-verifications#ordering-closing-employment-verifications)). Additional verification reports can be requested as needed. Verification reports will automatically be pushed to eFolder when the order is completed. * If a VOIE report is ordered, the last 30 days of paystubs and two most recent W-2 tax documents will also automatically be pushed to eFolder. Any additional payroll documents that are retrieved will be available for manual review, and can be pushed to eFolder as needed. 5. Click **Submit Order**. Submitted orders will appear with a **Pending** status. Until a borrower attempts or successfully connects their payroll account, they will have a pending status.

Until a borrower attempts or successfully connects their payroll account, they will have a pending status.

6. Once the order is submitted, borrowers are sent an email and/or text invitation asking them to connect via Argyle. Borrowers connect their payroll accounts through Argyle's connection experience in Link.

Borrowers connect their payroll accounts through Argyle's connection experience in Link.

### Resending invitations Resending invitations is typically used when a borrower needs to reconnect their account(s) for a [closing verification](/integrations/pos-los/encompass/legacy-guide/payroll-verifications#borrower-action-required) or to resolve an [action required](/integrations/pos-los/encompass/legacy-guide/payroll-verifications#action-required) order status. 1. Click **Resend** to resend an email and/or SMS connection invitation to the borrower. 2. Select **Copy Link** to generate a unique URL that can be shared directly with the borrower. This URL will also direct the borrower to Argyle's connection experience. You can resend connection invitations to borrowers by clicking resend or copy link.

You can resend connection invitations to borrowers by clicking resend or copy link.

## Ordering closing employment verifications This section assumes a [VOIE report was initially ordered and completed](/integrations/pos-los/encompass/legacy-guide/payroll-verifications#ordering-verifications), and a VOE report is being ordered at loan closing to verify employment only. When a VOE report is ordered, no new paystubs or W2s are retrieved. ### Instant ordering When **Instant Verification Available** is shown in green, an up-to-date report can be ordered that does not require additional borrower action by selecting **Verify**. Instant verifications do not require additional borrower action.

Instant verifications do not require additional borrower action.

### Borrower action required When **Re-engage if Needed** is shown in orange, there are two verification options. Re-engage if needed requires additional borrower action if an up-to-date report is required.

Re-engage if needed requires additional borrower action if an up-to-date report is required.

1. **Request Updated Data** will resend a connection invitation to the borrower. A new verification report will not be generated until the borrower has reconnected at least one payroll account. 2. **Use Available Data** will generate a report immediately with the most available data, and does not require additional borrower action. According to the GSE's, reports based on data **last updated** 35 days ago or less are sufficient for rep & warrant consideration. Select method provides two options: Request Update Data or Use Available Data.

Select method provides two options: Request Update Data or Use Available Data.

## Completed orders

### Viewing reports and documents 1. Select an individual borrower once their order reaches **Completed** status.

Select an individual borrower to view Argyle verification reports and payroll documents.

2. The initially ordered verification report will automatically be **pushed to eFolder** and available to view. If a VOIE report was ordered, the last 30 days of paystubs and two most recent W-2 tax documents will also automatically be pushed to eFolder. Any additional payroll documents that are retrieved will be available for manual review, and can be pushed to eFolder as needed. Reports and documents can also be viewed in the Connections section of Console. Each borrower will have an [external identifier](/overview/data-structure/users#external-identifiers) that matches their Loan # on Encompass®. 3. Additional verification reports can be ordered by selecting **Verify**. They will be available to **Preview** and can be pushed to eFolder as needed. ### Day 1 Certainty® and AIM Argyle's Encompass® integration will automatically populate the necessary report identifiers required by GSEs within the Encompass® loan file — if multiple Argyle verification reports have been generated, the report identifier from the most recent report will be used. Reach out to your Customer Success Manager to enable Argyle's Day 1 Certainty® and AIM functionality.
*Argyle's income and employment verification reports provide lenders an automated way to achieve Day 1 Certainty® through Fannie Mae's Desktop Underwriter® (DU®) validation service and assessment of borrower income and employment through Freddie Mac's asset and income modeler (AIM).* ### Resolving employer name mismatches Resolving employer name mismatches will help maximize Day 1 Certainty® and AIM rep & warrant relief. 1. Select **Import Employment** under **Additional Actions**. 2. Resolve any conflicts between the employer name in the loan file and the employer name Argyle retrieved from the connected payroll account. Resolve employer name mismatches to maximize rep & warrant relief.

Resolve employer name mismatches to maximize rep & warrant relief.

### Automatic updates Argyle attempts to maintain an ongoing connection to the borrower's connected payroll accounts and will continue to retrieve new data and documents as they become available. New payroll documents will automatically be forwarded and appear in the Argyle interface within Encompass®, and can be previewed and **pushed to eFolder** as needed. ### Generating receipts 1. Select **Generate Receipt** after selecting an individual borrower to automatically generate a receipt and push it to eFolder. Receipts are made available for each individual borrowerer after orders are **Completed**, and will indicate the fees associated with the verification order. ## Order statuses

### Pending The borrower has been sent an invitation to connect via Argyle, but has not taken action. ### In progress The borrower has connected their payroll accounts. Argyle is currently processing the verification order. ### Action required The borrower needs to take additional action before the order can be completed. More details on the underlying issue and recommended actions will be provided within Encompass®: Action required can typically be resolved by the borrower re-attempting their connections.

Action required can typically be resolved by the borrower re-attempting their connections.

### Cancelled The verification order was manually cancelled within Encompass®. Argyle may also cancel orders due to processing timeouts or unresolvable issues. ### Completed The verification order has been completed. ## Testing 1. Choose `Argyle Sandbox` (Sandbox testing) or `Argyle` (Production testing) when [selecting a verification service](/integrations/pos-los/encompass/legacy-guide/payroll-verifications#select-argyles-verification-service). 2. When ordering a report, use your test email or phone number as the borrower's contact details. 3. After receiving the invitation, use Argyle's [sample user credentials](/overview/sandbox-testing#connect-sample-users) to log in to: * (Sandbox testing) Any employer or payroll provider * (Production testing) `Platformtronic` or `Employertronic` as the employer 4. For specific scenario testing, the following sample users are also available: | | Homer Loanseeker | Suzi Builder | Andy Freddie | | ------------------ | ----------------------------------------- | ------------------------------------- | ---------------------------------------- | | Email | homer\_loanseeker@argyle.com | suzi\_builder@argyle.com | andy\_freddie@argyle.com | | Username | homer\_loanseeker | suzi\_builder | andy\_freddie | | Password | passgood | passgood | passgood | | Verification code | 9081 | 9084 | 9088 | | Phone number | (800) 900-0101 | (800) 900-0104 | (800) 900-0108 | | Driver's license # | D1230101 | D1230104 | D1230108 | | **Returns** | **1 active employment** | **2 active employments** | **1 active and 1 terminated employment** |
*For further assistance or specific feature requests, please reach out to [support@argyle.com](mailto:support@argyle.com) or your Customer Success Manager.*