By: Elyce Schweitzer,Regulatory Compliance Officer, 星空传媒

For most homebuyers, even five years ago, the experience was familiar: a conference room, a stack of papers taller than a coffee cup, and an aching wrist from signing your name what felt like 437 times. Title insurance鈥攅ssential though it is鈥攚as part of that long, paperwork-heavy ritual. Fast forward to present day, and the industry is in the middle of a transformation. Over the last several years, title insurance has quietly gone digital, automated, and even futuristic in some places. Let鈥檚 take a tour of what鈥檚 changed.

Digital Closings: Say Goodbye to the Paper Stack

Picture this: instead of driving across town to a title agency or a lawyer鈥檚 office, you鈥檙e sitting in your living room, coffee in hand, while a notary verifies your identity over video. Consumers sign documents electronically, and the county records the deed the same day.

This isn鈥檛 science fiction鈥攊t鈥檚 now reality in most states.

• Remote notarization (signing over video with an online notary) is legal in almost every state.
• eMortgages with their digital 鈥渆Notes鈥澛爎epresent loans which big players like Fannie Mae and Freddie Mac happily purchase on the secondary market.聽The GSEs now publish clear rulebooks spelling out when they鈥檒l accept full digital closings, partial digital closings, or traditional paper.

This consistency has made it much easier for lenders and title companies to modernize without fear of rejection.

• According to , electronic recording is available in 2,607 counties nationwide, so the 鈥渨aiting for the mail鈥� stage is nearly gone, and the time it takes to run over to the courthouse can be better spent on聽other essential title agent tasks.聽 The number of counties accepting electronic recording is only going to continue to grow.

The result? A process that once required customers to drive across town with pen in hand now happens through a few clicks and a video call.


Artificial Intelligence: The New Title Assistant

Artificial intelligence (AI) has found its way into title insurance too鈥攁nd not in a creepy 鈥渞obot lawyer鈥� way.

• Computers can now scan public records in minutes to spot simple cases that used to take days.
• Smart assistants help staff open orders, draft commitments, pull tax information, and vesting deeds and even write emails.
• Connected systems cut down on the mind-numbing retyping of names and addresses into multiple platforms.

This doesn鈥檛 mean human players in the process have been replaced. Instead, it frees up title professionals to focus on the tricky stuff鈥攍ike unraveling messy ownership histories or catching hidden liens鈥攚hile the software handles the repetitive grunt work.


Battling Fraudsters: Keeping Closings Safe

Whenever money moves, crooks are never far behind. Real estate closings are still prime targets because they involve large sums of money. The industry has responded with new layers of armor:

• Wire fraud protections. Verification tools double-check bank account info before money is sent.
• Fake-seller scams. Fraudsters pretending to own vacant land are being stopped by tougher ID checks and stricter notary rules and processes.
• Multi-step identity proofing. Online notarization often requires scanning your ID, answering 鈥淜nowledge Based Authentication鈥� security questions, and even facial recognition.
• Guidance from industry associations, regulators and stakeholders.聽 All of these stakeholders have ramped up their messaging, education, and training efforts to combat fraud. Delivering the information electronically through email, webpages, eNewsletters, webinars, social media, and other modern methods make it widely accessible for all participants in the industry. 聽Tip: check out the recent update to which recommends every title and settlement company create and implement an Identity Fraud Prevention Program.

Buying a home will always be stressful, but with today鈥檚 safeguards, agents can help ensure their clients鈥� funds don鈥檛 end up in the wrong hands.


Instant Money: No More 鈥淗urry Up and Wait鈥�

Remember when Friday closings meant sitting on pins and needles waiting for the funds to 鈥渃lear鈥�? That鈥檚 changing. We now have the technology with FedNow and RTP instant payment systems that can move money immediately, instead of waiting hours or days.

State laws are slow to catch up, but they are making progress. For example, as of January 1, 2026, Kansas Statute s. 40-1137(c)(6) adds 鈥渁 real-time or instant payment through the FedNow service 鈥� or the clearing house 鈥� real-time payments (RTP) system鈥� to the list of permissible closing funds; also check out Nebraska鈥檚 recent amendment embracing FedNow and RTP as 鈥済ood funds鈥� (R.R.S. Neb. 搂 76-2,121(2)) and Missouri鈥檚 amendment redefining 鈥渃ertified funds鈥� to include FedNow and RTP (搂 381.410 R.S.Mo.). Where statutes were once either clearly prohibitive or ambiguous about permitting instant payments, states may be on the verge of a legislative trend to support the new capabilities. We can now foresee a near future where buyers and sellers don鈥檛 have to twiddle their thumbs waiting for wires and aren鈥檛 relegated to closing during traditional banking hours of Monday through Friday, 9 to 5.


The Bottom Line: Closings Go Digital

Five years ago, buying a house meant stacks of paper, endless signatures, and waiting days for documents to be recorded and funds to clear. Today, in many markets, you can buy a house in your pajamas, sign over a video call, and have everything official by dinnertime.

The title insurance industry may not be glamorous, but it鈥檚 quietly embracing the digital age鈥攎aking closings faster, safer, more accessible, efficient and (dare we say it) a little less painful for the customer.

The post From Stamps and Paper Cuts to Clicks and Screens: The Tech Revolution in Title Insurance appeared first on 星空传媒 星空传媒 Title Insurance Co..

Document Processing: AI-powered tools can extract relevant information from documents, reducing manual effort and improving accuracy. You can upload a lengthy document into certain AI platforms and ask specific questions to extract the necessary information. Of course, you need to make sure you use AI tools in compliance with your company’s policies around safeguarding sensitive or non-public information.

Improved Communication: AI-powered platforms help convey messages quickly and professionally, making communications clearer and more efficient. You can enter information, or a message intended to be sent to a customer, and then ask an AI platform like ChatGPT or Microsoft Copilot, for example, to restate the communication in a professional tone, or make it sound friendlier, or personalize it, or even to shorten it while retaining all of the important points.

Marketing: AI platforms can help design graphics, write blogs, strategize, and identify target audiences.

So, Where Should You Begin Your AI Journey? Do You Need To Be A 鈥淭echie鈥� To Use AI?

The best place to begin is at the beginning 鈥� and there is a free four-module beginner鈥檚 webinar that you can take at your own pace, requiring only one-two hours per week. Think of this as AI 101 for the non-tech-savvy. Andrew Ng breaks down AI concepts in a way that even your grandma could understand (no offense to tech-savvy grandmas out there). You鈥檒l learn the basics of AI, ethical considerations, and how it鈥檚 transforming industries鈥攊ncluding real estate.

Once you鈥檝e gotten a handle on the basics, it鈥檚 time to learn a bit more about the specifics 鈥� about what AI tools are out there that might be of benefit to you, and how to use those particular tools. And, there are TONS of AI tools! You can explore what鈥檚 available by reading blogs such as (which includes a link to the author鈥檚 ). It鈥檚 easy to find AI blogs just by googling, but here are a couple to get you started:

• , Axis Technical Group (June 6, 2023)
• Extracting Value from Intelligent Automation in the Title Insurance Industry, Axis Technical Group (June 2, 2022)

As you do your initial research, you will quickly discover a few core points to be aware of when using AI. Importantly, you will find that asking AI questions is a skill in and of itself. Better prompts lead to better output, so you will need to educate yourself on how to craft prompts that yield the results you want.

Maintaining the safety and integrity of systems and sensitive information is another important concern. Free AI may share information that you give it, or there could be settings within the AI platform that you need to change to ensure that confidential information is not made public or available to anyone else. As mentioned earlier, understanding the safeguards around AI tools and using them in accordance with your company’s policies is essential, especially when handling non鈥憄ublic or sensitive consumer information.

While these technologies are new, some platforms are already being viewed as more reputable than others, especially those backed by major corporate entities. Some AI platforms are not well known and might pose a danger to your network, so it鈥檚 best to coordinate closely with your IT department when selecting AI tools for your organization.

Learning how to effectively and safely use AI is a step beyond the initial research. As you continue on your quest for knowledge, I would recommend looking for more free webinars or informative video shorts. A free webinar from The Title Report that may be of interest is, . It covers (as advertised on its webpage) topics such as:

• Definitions of common AI terms.
• Practical applications of AI in title insurance, including in marketing, sales, communications, graphic design, and more.
• Realistic expectations for what AI can and cannot do.
• Important legal guidelines and quality control measures to consider.

As for video shorts, has a bunch of insightful YouTube videos available just for the taking. In one such video, 鈥�,鈥� she introduces us to three more useful AI platforms and demonstrates how they can all be used together to generate the optimal output:

• 鈥� helps users analyze academic papers, extract data, and synthesize findings efficiently.
• 鈥� consolidates important points from uploaded documents; a Google AI tool designed to enhance note-taking.
• 鈥� transforms uploaded information into actionable products; an AI assistant developed by Anthropic.

After you鈥檝e gotten the benefit of all of these great free resources, you may want to consider paying for some specific courses tailored to your objectives for AI 鈥� for what you want AI to do for you. There are no shortage of paid-for resources, either, but finding the right one can be tricky. offers several classes as well as a free trial month. offers quite a few AI-related short courses at reasonable prices, including one for writing AI-prompts. When all else fails, just google the type of class you are looking for based upon your objectives. Of course, there鈥檚 no substitute for actually using the tools themselves and gaining firsthand experience.

Final Thoughts AI isn鈥檛 here to replace us鈥攊t鈥檚 here to make us superheroes in our field. Whether you鈥檙e automating tedious tasks, wowing clients with personalized service, or just freeing up time for that second cup of coffee, these resources are your gateway to mastering AI. So, what are you waiting for? Dive in and start transforming y

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In many cases, whether it is a purchase money loan or a refinance, the lender may purchase and obtain a loan policy of title insurance to protect the lender鈥檚 interest from a variety of covered risks.   

As a lender prepares to initiate a foreclosure either by a judicial foreclosure or a non-judicial foreclosure, it may run a title search on the property to determine ownership along with other liens, judgments, encumbrances, and easements involving the property and the borrower. Title matters that present themselves involving the validity, enforceability or priority of the insured mortgage lien that were not excepted or excluded from coverage, and occurred prior to the date of the title policy, may lead the lender to submit a notice of claim to the title insurer seeking a coverage determination under the title policy.

The top seven title issues submitted by lenders to the 星空传媒 星空传媒 claims team include:

1. Unreleased prior lien or mortgage;
2. Spousal marital status is missing or is incorrect on mortgage;
3. Spouse does not execute the mortgage;
4. A notary acknowledgment issue;
5. Error in the legal description or the legal description is missing;
6. The mortgage was not timely recorded; and
7. A complete copy of the mortgage was not recorded (i.e., missing a page).

Happily, strong post-closing procedures and attention to detail can easily prevent each of these issues. Let鈥檚 look at a scenario and use it to analyze a few different situations.

Scenario

An unmarried couple 鈥� we鈥檒l call them the 鈥渂uyers鈥� 鈥� enter into a purchase contract with John Doe (the 鈥渟eller鈥�). The sale is scheduled to occur in 30 days. The buyers let you know that they are so excited as they are getting married in two weeks and that this is going to be their first home. The seller has two mortgages or deeds of trust on the property, as well as a recorded monetary judgment. All are properly indexed in the county land records. The parties are ready to close on schedule. 

First situation: Thirty days later, the buyers are now married; however, the prepared deed to vest title to the buyers, and the new mortgage or deed of trust shows them as unmarried. What do you do? 

Of course, one should not proceed with having the documents executed until they are corrected to reflect the proper marital status as of the date of closing. It is also important to mention here that one should also verify the proper names of the parties (including business names, trust, etc.), and that the names are correctly spelled.

Second situation: The closing occurs. The documents are executed but the notary misses acknowledging one of the pages in the mortgage or deed of trust for one of the buyers. The instrument is then recorded.

In this case, it鈥檚 important to have the mortgage or deed of trust re-executed, re-acknowledged and then recorded in the county land records. However, in some states, there may be an option to have the notary execute a Notary Affidavit. Check with your state to see if the latter is available and the cases for which it is appropriate.

Third situation: The closing occurs. The instruments are not sent to the county land records for recording until 60 days later.

Because of the delay in recording, it鈥檚 possible for another interest holder or lienholder to record an instrument in the 鈥済ap period,鈥� the time between the closing date and the recording date. Keeping the gap period small lowers the risk that someone else will record an instrument that could challenge the lender鈥檚 priority.

Fourth situation: The closing occurs. The lender prepared the mortgage, and it identifies that an Exhibit A will be attached to show the property鈥檚 legal description. The mortgage is recorded without Exhibit A being attached.

In this case, it鈥檚 important to promptly have the mortgage or deed of trust re-executed, re-acknowledged and attach Exhibit A with the legal description; and then record in the county land records. In a few states, there may be an option to remedy the matter with a correction affidavit. Check with your state to see if the latter is available.

Fifth situation: The closing occurs, and the funds are disbursed. No additional review or follow up with the prior lenders or judgment creditor is conducted for the recorded release or satisfaction of the lien. One year later, these have not been released in the county land records. The current lender is now foreclosing, and the new foreclosure title search shows the items as unreleased in the county land records.

We understand that there may be challenges in getting the respective party (lender or creditor) to record a release or satisfaction if it is on that party to do so; however, this is part of the post-closing process. Being persistent and diligent will help ensure that the county land records accurately reflect the status of the mortgage or lien. There are several states that have enacted statutes that impose on lenders and creditors a prescribed time limit to record a release after payment. Also, in a few other states, a title company or a title insurer may have the ability to execute a release if certain requirements are met and if the lender or creditor fails to do so. Check with your state to see what options are available.

As you can see, title companies can impact the lender鈥檚 foreclosure process in a big way. By taking the time to catch the 鈥渓ittle鈥� things, you can help reduce the likelihood of claims submitted by lenders under loan policies.

If you have any questions, we鈥檙e here to help! Please feel free to reach out to me at: mhawkins@alliantnational.com. 

Resources:

Bates, M. (2024, April 11). ATTOM: Foreclosure Filings Increased 3 Percent in Q1. 

Fabino, A. (2024, March 13). Map Shows States Where House Foreclosures Are Rising.  .

This blog contains general information only, not intended to be relied upon as, nor a substitute for, specific professional advice. We accept no responsibility for loss occasioned to any purpose acting on or refraining from action as a result of any material on this blog.

[1] Bates, M. (2024, April 11). ATTOM: Foreclosure Filings Increased 3 Percent in Q1

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INTRODUCTION

In the first two editions of this series, we tackled several scenarios faced by agents during the real estate closing process. These issues run the gamut, illustrating how potential problems can arise even when the finish line for a transaction is in sight. In the final edition of this series, we will address the remaining issues that agents will likely deal with throughout their careers, including existing surveys, T-47 affidavits (in Texas) and lender-required conveyances.

EXISTING SURVEYS AND T-47 AFFIDAVITS 

During closings, agents may need to review an existing survey and determine if it is acceptable. In Texas, per paragraph 6.C of the TREC contract, the seller is required to provide both a survey and a fully executed T-47 affidavit, and if they fail to do so, the buyer can obtain a new survey at the seller鈥檚 expense. The T-47 affidavit must have all blanks filled in and be fully executed and notarized. If it is not filled in, it can cause problems. For example, what if the seller fills in the date with the purchase date and not the date of the survey? How would agents know that no changes were made before purchasing? A new survey may be required in this case. 

LENDER-REQUIRED CONVEYANCES AND REMOVAL OF A SPOUSE FROM A CONTRACT

Sometimes lenders may require the removal of a spouse from a contract if they cannot qualify as a borrower. The spouse who agrees to this removal amendment must do so in writing. If the spouse does not join in the amendment, they may not realize their omission from the deed until later. It comes down to classification. 鈥淣on-purchasing鈥� means they are not on the contract so they should not be on the deed. 鈥淣on-borrowing鈥� implies they did not qualify on the note but should join in on the deed of trust to encumber both of their interests in the property.

During refinances, home equity and reverse mortgages, lenders may also require deeds moving between spouses. Customers need to know that this is not a title company requirement and they need to sign an acknowledgment. Instead, it is a lender requirement. If this difference is not discussed, it can cause issues, especially if it was a separate property and they end up getting divorced.

CLOSING THE GAP

Lastly, agents need to address the 鈥済ap,鈥� the difference between the date of title search (Issued Day on a Commitment) and the date records are certified as complete (Effective Date on a Commitment). A best practice is to request the title be 鈥渂rought to date鈥� when closing is scheduled and for the gap to be brought to 10 calendar days or less. After the initial commitment is issued, time passes and the gap between the Effective Date on a Commitment and the current date continues to grow.

When preparing new title work, the agent needs to review it and issue a new commitment with additional exceptions and requirements to both parties before closing. Agents should not hesitate to stop a closing if new matters come to light. Neither agents or underwriters should assume the risk for closing or insuring in the face of an unresolved issue.

 After the transaction closes, the gap will continue to grow until the closing documents 鈥� including the deed for the owner鈥檚 policy and the deed of trust for the loan policy 鈥� are recorded, which ideally occurs the same day as funding. This is the gap insurers find most concerning. In a state like Texas, for instance, claims relating to documents recorded during this particular gap are covered by the title policies for which premiums were collected at closing.

At most, the recording should not take longer than 48 hours following funding, even if that means overnighting the documents to the recorder鈥檚 office. Agents should get confirmation on the recording of their documents and retain evidence.

CONCLUSION

As this blog series has shown, getting a transaction fully and successfully closed has become increasingly difficult. There is no shortage of complex issues. But by being meticulous and methodical in how they execute their responsibilities, agents can successfully rise to the challenge and ensure customer satisfaction.

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More is a highly skilled and knowledgeable attorney who has been practicing law since 1985 and is licensed in the states of Florida, New Jersey and Pennsylvania. During her career, she has worked on the agency side of the industry, as well as in private practice.

More is certified in real estate by the Florida Bar, and is active in several committees in the Florida Bar Real Property and Probate Law Section. She is also a Leadership in Energy and Environmental Design (LEED)-accredited professional, having received the certification from the U.S. Green Building Council.

In her new role with 星空传媒 星空传媒, More will continue providing leadership within 星空传媒 星空传媒鈥檚 Florida underwriting department and supporting the organization鈥檚 overall operations within the region.

鈥淚t is an incredible honor to accept additional leadership responsibilities with 星空传媒 星空传媒,鈥� said More. 鈥淚 love our Florida-based team, and it is a great joy in my life to work for an organization committed to the success of the independent agent and, by extension, the success of individuals, families and communities across the country.鈥�

鈥淒onna is an incredibly knowledgeable, deeply experienced and exceptionally responsive underwriter,鈥� said Margaret Cook, EVP, General Counsel and Chief Legal Officer of 星空传媒 星空传媒. 鈥淪he is wickedly smart, conscientious, humble and kind. Donna is a valuable part of our legal team and our Florida operations, and she has earned this well-deserved recognition for her contributions to our agents鈥� and the company鈥檚 success.鈥�

星空传媒 星空传媒 distinguishes itself from competitors by combining strong underwriting capability with independent agents鈥� in-depth knowledge of local markets. The result is a nationwide network with deep roots in local communities, and a wealth of expertise that is flexible, nuanced, and continuously growing.

Visit  for additional information.

MEDIA INQUIRIES

Cathie Beck
Capital City Public Relation
别:&苍产蝉辫;肠补迟丑颈别蔼肠补辫颈迟补濒肠颈迟测辫谤.肠辞尘锘�
p: 303-241-0805

ABOUT ALLIANT NATIONAL TITLE INSURANCE COMPANY

The Independent Underwriter for The Independent Agent^SM 鈥� 星空传媒 星空传媒 believes in empowering people to thrive. The company protects the dreams of property owners with secure title insurance and partners with 500+ trusted independent title agents as a licensed underwriter in 27 states and the District of Columbia.

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Rayni Scott is a highly skilled real estate and title insurance attorney with more than 20 years of experience. She is well-versed in real estate matters, title insurance underwriting and contracts. Rayni is a graduate of University of Mississippi and obtained her J.D. from St. Mary鈥檚 University School of Law.

Rayni鈥檚 past experiences will serve her well in her new role with 星空传媒 星空传媒, where she will handle underwriting inquiries, draft bulletins, develop educational materials and conduct risk assessments.

鈥淚鈥檓 excited to join the 星空传媒 星空传媒 team, particularly considering its focus on the independent agent!鈥� says Rayni. 鈥淚鈥檝e previously worked with many of the 星空传媒 星空传媒 team members, and I am grateful to be collaborating again with such an outstanding team of title professionals. I look forward to reconnecting with agents I鈥檝e worked with in the past, as well as meeting and forging bonds with new agents.鈥�

鈥淲e are so pleased Rayni has joined our team of exceptional underwriters in the Southwest Region,鈥� says Margaret Cook, Executive Vice President, General Counsel and Chief Legal Officer. 鈥淪he brings a wealth of legal knowledge, industry experience and a spirit of service to the position. Rayni is well-versed in residential, commercial, multi-use and ranch land underwriting. Her depth of knowledge and affable attitude make her a perfect fit for 星空传媒 星空传媒.鈥� 

Outside of her work, Rayni enjoys spending time with her two sons, particularly volunteering with 4-H, their local food bank and their church. She also has an acute interest in historical archival document study, historical site visits, archeology, reading and gardening.

星空传媒 星空传媒 distinguishes itself from competitors by combining strong underwriting capability with independent agents鈥� in-depth knowledge of local markets. The result is a nationwide network with deep roots in local communities, and a wealth of expertise that is flexible, nuanced, and continuously growing.

Visit  for additional information.

MEDIA INQUIRIES

Cathie Beck
Capital City Public Relation
别:&苍产蝉辫;肠补迟丑颈别蔼肠补辫颈迟补濒肠颈迟测辫谤.肠辞尘锘�
p: 303-241-0805

ABOUT ALLIANT NATIONAL TITLE INSURANCE COMPANY

The Independent Underwriter for The Independent Agent^SM 鈥� 星空传媒 星空传媒 believes in empowering people to thrive. The company protects the dreams of property owners with secure title insurance and partners with 500+ trusted independent title agents as a licensed underwriter in 27 states and the District of Columbia.

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By Bryan Johnson, IT Director, 星空传媒 

We live in a world of data. The internet runs on it. Companies and governments collect it. Each person carries around a tiny data collection device in their pocket in the form of a smartphone, which catalogs our spending, socializing and travel habits.

Unsurprisingly, personal data is an important part of real estate transactions, and the business can involve the exchange of names, employment information, contact numbers, email addresses and, of course, financial information. Considering that trust is critical to any given transaction, real estate professionals should make all possible efforts to safeguard this personal information and properly secure or dispose of it as appropriate once a transaction is completed. Trash can on a laptop. 3d illustration stock photo

Formalize Your Policy           

When thinking about customer data and how it should be handled, start from the beginning. Set up a formalized policy that will be the standard across your agency. Having a clear, step-by-step process will make it easier to reduce mistakes when handling data. It will also streamline your ability to bring people up to speed on your processes and procedures 鈥� ultimately saving time and money. 

Local vs. Network Drives vs. Cloud Storage Services

Once you start actually disposing of your customers鈥� files, keep in mind that data can live in multiple locations. You may have files on your local work computer that also live on your company鈥檚 network or on a cloud storage service. To ensure a given file is gone for good, you need to erase it in all locations. Many network and cloud storage solutions will also still retain copies of deleted files in what is commonly called a recycle bin. If you intend to permanently delete your files, you will need to make sure they are purged from the recycle bin as well.

Hard Drives

There is a lot of information stored on hard drives. Once you no longer need a particular drive, it is always a good idea to enlist the services of a professional data destruction company. Most major cities will have several companies from which to choose. These businesses can either physically shred your hard drives or even degauss them, which involves an incredibly powerful magnetic field that completely erases all data.

A Not So Paperless World

Although personal computing has been commonplace for more than 25 years, we live in a world where paper still flows and customer information still exists in a tangible form. Be sure to treat your clients鈥� physical information with the same care as you do their digital. To dispose of paper data, deploy a good shredder. After that, it is ideal to use the services of a professional recycler or data destruction provider.

Final Thoughts 

Increased access to data is one of the great double-edged swords of the information age. While it has made conducting business easier, faster and more convenient, it has also left individuals and companies vulnerable to data breaches and fraud. By leveraging data effectively and safely, you will be able to conduct your real estate transactions with greater speed and dexterity. Just be sure you don鈥檛 mistakenly end up putting private information at risk!

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A talented and versatile title insurance professional, Melissa Trubatisky brings over 30 years of experience to 星空传媒 星空传媒. She is well-versed in compliance matters, audits and running training initiatives on a national level. In addition, she has managerial experience, having overseen agency operations and marketing efforts in a previous position.

We are so excited to have her accept this position at 星空传媒 星空传媒, where some of her responsibilities will include supporting our agents, working closely with underwriting counsel, and being heavily involved with planning and executing agent training and continuing education programs. We can鈥檛 think of someone who is a better fit for this position than Melissa!

Melissa is also an active, passionate member of our title insurance community. Currently, she is a member of ALTA and TLTA, and she is also a past member of FLTA. She is Texas native and loves to stay busy outside of work by cooking, traveling, singing, and working on her home with her husband.

If you have questions for Melissa or would simply like to send her a personal welcome, she can be contacted at: mtrubatisky@alliantnational.com.
 

Please join us in warmly welcoming Melissa to our Southwest Regional Team!

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Longmont, Colo. 鈥� (June 8, 2021) 鈥� 星空传媒, a unique title insurance underwriter that partners with independent agents to improve their competitive position, is proud to be Certified by Great Place to Work庐 for the fifth year in a row. The prestigious designation is based entirely on what current 星空传媒 星空传媒 employees say about their experience working at the company. This year, 95 percent of employees said 星空传媒 星空传媒 is a great place to work 鈥� 36 points higher than the rating achieved by the average U.S. company.

Great Place to Work庐 is the global authority on workplace culture, employee experience and the leadership behaviors proven to deliver market-leading revenue, employee retention and increased innovation.

鈥淕reat Place to Work Certification isn鈥檛 something that comes easily 鈥� it takes ongoing dedication to the employee experience,鈥� said Sarah Lewis-Kulin, vice president of global recognition at Great Place to Work. 鈥淚t鈥檚 the only official recognition determined by employees鈥� real-time reports of their company culture. Earning this designation means that 星空传媒 星空传媒 is one of the best companies to work for in the country.鈥�

鈥淎t 星空传媒 星空传媒, we鈥檙e more than simply a team; we鈥檙e a passionate group of professionals committed to our communities and to each other,鈥� said David Sinclair, president and CEO of 星空传媒 星空传媒. 鈥淲e work incredibly hard on our culture and strive for 星空传媒 星空传媒 to be a place where our employees enjoy coming to work each day. We want to empower them to deliver exceptional service to our agents.鈥�

According to , job seekers are 4.5 times more likely to find a great boss at a Certified great workplace. Additionally, employees at Certified workplaces are 93 percent more likely to look forward to coming to work, and are twice as likely to be paid fairly, earn a fair share of the company鈥檚 profits, and have a fair chance at promotion.

星空传媒 星空传媒 distinguishes itself from competitors by combining strong underwriting capability with independent agents鈥� in-depth knowledge of local markets. The result is a nationwide network with deep roots in local communities, and a wealth of expertise that is flexible, nuanced, and continuously growing.

Visit  for additional information.

ABOUT ALLIANT NATIONAL TITLE INSURANCE COMPANY

The Independent Underwriter for The Independent Agent^SM 鈥� 星空传媒 星空传媒 believes in empowering people to thrive.

The company protects the dreams of property owners with secure title insurance and partners with 500+ trusted independent title agents as a licensed underwriter in 27 states and the District of Columbia.

ABOUT GREAT PLACE TO WORK CERTIFICATION

Great Place to Work庐 Certification is the most definitive 鈥渆mployer-of-choice鈥� recognition that companies aspire to achieve. It is the only recognition based entirely on what employees report about their workplace experience 鈥� specifically, how consistently they experience a high-trust workplace. Great Place to Work Certification is recognized worldwide by employees and employers alike and is the global benchmark for identifying and recognizing outstanding employee experience. Every year, more than 10,000 companies across 60 countries apply to get Great Place to Work-Certified.

ABOUT GREAT PLACES TO WORK庐

Great Place to Work庐 is the global authority on workplace culture. Since 1992, they have surveyed more than 100 million employees worldwide and used those deep insights to define what makes a great workplace: trust. Their employee survey platform empowers leaders with the feedback, real-time reporting, and insights they need to make data-driven people decisions. Everything they do is driven by the mission to build a better world by helping every organization become a great place to work For All.

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As an internet user, you likely have some awareness of cyberattacks, and chances are, you may have already been impacted by a cyberattack in one form or another. This is particularly likely considering some of the massive data breaches that have affected large companies over the past few years.

One cyberattack you may be less familiar with, however, is called CEO fraud. CEO fraud is a targeted type of email attack where the scammer poses as the boss and tricks an employee into taking a detrimental action. CEO fraud can affect any type of business, from a large corporation to a small agency. Essentially, if you have a job or work for a company that is larger than just yourself, you are vulnerable to this type of malicious behavior. Here鈥檚 how you can be prepared to stop CEO fraud and avoid jeopardizing your company.

The Internet Weaponized

Let鈥檚 say you work for a small title agency. There are only a few employees in addition to you and the CEO. A cyber attacker will use the internet to research who your boss is and then create an email pretending to be them. What makes these types of emails especially dangerous is that they don鈥檛 contain any malicious links or infected attachments that your average email filtering software will catch. Instead, they appear like your average, ordinary email. 

A Fraudulent Sense of Urgency

One of the most defining features of a fraudulent email is urgency. They will urge you to take a specific action right away. These requests are often fiduciary, like handling an invoice, changing payment information, or instructing you to send documents that contain sensitive information.

Two Different Scams

It鈥檚 important to take a more granular look into how these scams often work. The first way is wire fraud, a particularly pertinent subject for anyone working in the field of real estate or title insurance. When a cybercriminal is attempting to pull off a scam like this, they will usually spend time identifying those who handle accounts payable and then send them an email pretending to be their boss. The email will direct them to change something about an upcoming money transfer, typically the account where the money will eventually go.

The second way this scam occurs is in the form of tax fraud. In this instance, a similar process will play out, where the criminal will again send someone within your business or organization a fraudulent email pretending to be a superior. The difference this time, however, is that the email will urgently instruct its recipient to send employee tax documents, sensitive information that could be extremely damaging if it fell into the wrong hands.

Stay Vigilant and Stay Safe

Faced with the possibility of such threats, what can an average worker do to practice due diligence and protect themselves or their company from becoming victimized? Most of the time, exercising common sense will be sufficient. But there are also some common signs that can alert you to an email not being on the up-and-up.

Fraudulent emails will almost always be short, with the message consisting of only a few lines of text. They will also mention that the email was sent from a mobile device. They will include instructions that run contrary to your business鈥檚 policies, basically conveying that you should ignore standard procedure for the sake of urgency. The actual email address that the message was sent from will also be a dead giveaway. Be on the lookout for any email ending with a common domain name like 鈥淍gmail.com鈥� or 鈥淍yahoo.com鈥� instead of your company鈥檚 email domain name. If you鈥檙e in charge at your organization, encourage your employees to give you a call to double check any emailed request from you that may seem out of the ordinary. Practicing these easy steps will go a long way toward helping avoid any potentially dicey situations. Even better, they will alleviate unnecessary stress and let you focus on far more important professional priorities.

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