Pub. 2 2021 Issue 1

17 ISSUE 1 | 2021 Nik Vukovich, Director of Bank Partnerships Nik is responsible for Upgrade’s bank and financial Institution partnerships in the Western U.S. and is based in Denver, Colorado. He has extensive FinTech traditional banking experience, having spent almost a decade solving bank and fintech charge-off strategies at SquareTwo Financial & Consumer Acquisition and origination growth strategies at SunTrust Bank.  Other servicing procedures (as requested)  Verification docs  PII documentation Credit  Loan charge off policy/charge-off procedure  Review of historical performance  Underwriting policy  Model validation process  Adverse action process and sample pieces Accounting and Treasury  Internal account monitoring (are funds comingled)  Wireprocess timing, and amounts  Treasury controls, wire approvals and receipt Investor Operations  Data package to be received; review with banks’ accounting teams to confirm additional data needs  Call with operations teams to review data fields and method of data transmission  Review of front end portals 