Aces Risk Management
ACES Quality Management (Aces Risk Management) provides enterprise quality management and control software for US mortgage lenders, servicers, banks, and credit unions, automating pre-funding and post-closing QC audits, compliance monitoring, and regulatory reporting for over 70% of the top 20 independent mortgage lenders.
- Company typePrivate
- Founded1985
- HeadquartersDenver, United States
- Headcount51–100
- GTM typeB2B
- OfferingSoftware
What Aces Risk Management does
ACES Quality Management (legally Aces Risk Management, LLC) is a Denver-based, privately held enterprise software company founded in 1985 that provides quality management and control (QC) software to the US lending industry. Its flagship ACES Quality Management & Control Software automates pre-funding and post-closing QC audits, loan sampling, exception tracking, and compliance reporting for mortgage lenders, loan servicers, banks, credit unions, commercial lenders, and third-party QC service providers. The platform is modular, with add-ons including ACES Managed Questionnaires (updated monthly from 80+ regulatory sources), ACES Sampling, ACES CONNECT for client collaboration, ACES Quality Insight reporting, ACES PROTECT for regulatory compliance testing, and pre-configured Audit Packs for mortgage origination, consumer lending, servicing, and specialty lending.
The company operates a B2B enterprise SaaS model with annual subscription contracts sold through a direct field sales motion targeting large financial institutions. Customer adoption is broad: ACES is used by over 70% of the top 20 independent mortgage lenders, 7 of the top 10 loan servicers, 11 of the top 30 banks, and 3 of the top 5 US credit unions. In 2025 the platform processed approximately 8.6 million loans and completed 7.2 million compliance audits between January and October. In September 2025 ACES launched ACES Intelligence, an AI-powered QC engine, followed by ACES DATABRIDGE in December 2025 for enterprise data portability. In January 2026 ACES acquired BaseCap Analytics to add data validation and automation capabilities, extending its reach into banks, insurance companies, and other regulated institutions. Ownership is private, with a 2019 growth investment led by New Capital Partners.
Aces Risk Management firmographics
Firmographics- Name
- Aces Risk Management
- Legal name
- Aces Risk Management, LLC
- Website
- https://acesquality.com
- Company type
- Private
- Founded year
- 1985
- Operating status
- Operating
- Headcount range
- 51–100 employees
- Short description
- ACES Quality Management (Aces Risk Management) provides enterprise quality management and control software for US mortgage lenders, servicers, banks, and credit unions, automating pre-funding and post-closing QC audits, compliance monitoring, and regulatory reporting for over 70% of the top 20 independent mortgage lenders.
- Ownership category
- akta.pro rank
Aces Risk Management industry classification
Industry- Product category
- Quality Management and Compliance Software
- NAICS
- Management Consulting Services (54161)
- SIC
- Services-Management Consulting Services (8742)
- akta.pro primary industry
- Governance & Board Effectiveness Advisory (BPAHAFAC)
Keywords
Where Aces Risk Management is headquartered
LocationHeadquarters
- HQ city
- Denver
- HQ country
- United States
- HQ region
- North America
Offices1 record
Markets served
Aces Risk Management business model
Business model- GTM type
- B2B
- Offering type
- Software
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Enterprise Software Licensing: ACES provides enterprise quality management and control software to financial institutions on a subscription or licensing basis. The software is used by major lenders, servicers, banks, and credit unions, suggesting a B2B SaaS revenue model with annual or multi-year contracts typical for enterprise software.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Enterprise licensing model for financial institutions |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels8 records
Aces Risk Management product offering
Product offeringCore offering
ACES Quality Management provides enterprise quality management and control software for the lending industry, enabling financial institutions to execute pre-funding and post-closing audits, automate loan sampling, manage regulatory compliance through dynamically updated questionnaires, and produce real-time QC reporting. The platform serves mortgage lenders, servicers, banks, credit unions, and third-party QC providers with AI-enhanced loan review capabilities and configurable audit workflows.
Product overview
ACES Quality Management offers a unified enterprise software platform for quality management and control in the lending industry. The core product is ACES Quality Management & Control Software, which is complemented by AI-powered add-on modules including ACES Intelligence (launched September 2025) for AI-enhanced loan reviews and ACES DATABRIDGE (December 2025) for data portability. The platform includes specialized components: ACES CONNECT for client collaboration, ACES Managed Questionnaires for compliance management with monthly regulatory updates, ACES Sampling for automated loan selection, and ACES Quality Insight Dashboard for reporting. Pre-configured bundles (ACES Audit Packs) are available for Mortgage Origination, Consumer Lending, Servicing, and Specialty lending segments. The platform processes structured loan data and text-based documents across the mortgage lifecycle, with capabilities spanning process automation, anomaly detection (defect identification), document classification, and AI-powered decision support. In 2025, the platform completed approximately 8.6 million loans and is used by over 70% of the top 20 independent mortgage lenders.
Differentiator
Problem solved
Functional benefit
Products and services
- ACES Quality Management & Control Software Flagship enterprise quality management and control platform for the lending industry that enables financial institutions to execute pre-funding and post-closing audits, increase productivity, manage regulatory compliance, and make informed decisions across mortgage lending, consumer lending, commercial lending, loan servicing, and credit union operations.
- ACES Intelligence AI-powered quality control engine that leverages artificial intelligence to enhance loan reviews, loan selection, and compliance processes for mortgage lenders and financial institutions.
- ACES DATABRIDGE Data export tool that makes ACES customer data fully portable, enabling data extraction and integration with external systems and enterprise data warehouses.
- ACES Audit Packs Pre-configured audit package bundles that combine out-of-the-box reports and managed questions with ACES functionality, offered as Mortgage Origination Audit Pack, Consumer Audit Pack, Servicing Audit Pack, and Specialty Audit Pack for different lending segments.
- BaseCap Analytics Data quality platform acquired in January 2026 that specializes in data analysis, diagnostics, and problem-solving for banks, insurance companies, and other highly-regulated institutions, offering proprietary software and hands-on consulting services for advanced data validation and automation.
Quantifiable outcome
- 94% reduction in audit cost per loan file
- +6 more outcomes
Companies that use Aces Risk Management
Customer profileNamed customers7 records
Segments7 records
Ideal customer profiles5 records
Aces Risk Management technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
AI capability6 records
Feature8 records
Aces Risk Management partnerships and signals
Strategic signalPartnerships
Five partnerships are on record, tiered core and minor.
- Elevations Credit UnioncoreACES executives co-hosted a session with Elevations Credit Union at CU:REALM Live 2026 conference focused on helping credit unions transform quality control from a compliance requirement into a strategic tool for risk management and lending operations.
- BaseCap Analytics Inc.coreACES Quality Management acquired BaseCap Analytics Inc. to integrate advanced data validation and automation capabilities into its enterprise quality management software. The acquisition enables financial institutions to automate processes from data ingestion through defect identification while ensuring compliance.
- Referral PartnersminorACES operates a referral partner program allowing partners to augment their business offerings with ACES quality management solutions.
- Fannie MaecoreACES supports Fannie Mae's quality control standards and uses the Fannie Mae loan defect taxonomy for categorizing defects in its benchmarking reports. The company also supports GSE requirements for reporting.
- Freddie MaccoreACES Quality Management supports Freddie Mac's quality control standards and automation tools. Freddie Mac recently added mortgage quality control automation tools that ACES supports.
Scale indicators9 records
Recent moves6 records
Expansion highlights6 records
Aces Risk Management competitors and assessment
Company assessmentBroad incumbents
- ICE Mortgage Technology (formerly Black Knight): ICE Mortgage Technology is the largest provider of mortgage technology solutions in the US, offering an integrated suite that includes origination, servicing, and quality control tools. It is a broad incumbent that competes with ACES in the mortgage QC and compliance space, but as part of a much larger end-to-end mortgage platform.
- Wolters Kluwer Compliance Risk Solutions: Wolters Kluwer provides regulatory compliance and risk management software to financial institutions, including mortgage lenders. It is a broad incumbent in the compliance/risk software category that overlaps with ACES' regulatory questionnaire and compliance monitoring capabilities, particularly through its Corsearch and ComplianceOne products.
- FICO (Fair Isaac Corporation): FICO provides analytics, scoring, and decision management tools widely used in mortgage origination and servicing. It is a broad incumbent that overlaps with ACES in lending analytics, compliance scoring, and risk management workflows serving the same mortgage lender and servicer customer base.
- Finastra: Finastra provides core banking, lending, and mortgage technology software to financial institutions globally. It is a broad incumbent in lending software that overlaps with ACES in commercial and consumer lending QC and compliance functionality for banks and credit unions.
Direct peers
- ComplianceEase (ACES acquired by James Capital; mortgage compliance operations under SAFE Analytical): ComplianceEase provides regulatory compliance and quality control software for mortgage lenders and banks. It is a direct peer to ACES, focused on mortgage compliance testing and audit automation, and competes in the same QC, compliance, and risk management category as ACES.
- QuestSoft (now part of FormFree): QuestSoft is a mortgage compliance and regulatory reporting software provider serving lenders and brokers. It is a direct peer to ACES in the regulatory compliance and HMDA/quality control category, with overlapping product functionality around compliance review and audit.
- Mortgage Cadence (an Accenture company): Mortgage Cadence provides an enterprise loan origination system and digital mortgage platform used by large lenders. It is a direct peer to ACES in the mortgage technology stack, with overlapping customer base among top US mortgage lenders and complementary functionality around origination QC and compliance.
- ServiceLink (a Black Knight / ICE company): ServiceLink provides quality control, due diligence, and default services to mortgage lenders and servicers. It is a direct peer to ACES in third-party QC services and audit outsourcing, often competing for the same lender and servicer QC budget.
Emerging players
- Capacity: Capacity is an AI-powered workflow automation platform serving financial services and mortgage companies. It is an emerging player in mortgage QC/automation that overlaps with ACES Intelligence and ACES' broader workflow automation roadmap.
- BeSmartee: BeSmartee is a digital mortgage platform that combines POS, LOS, and verification services. It is an emerging player that overlaps with ACES in mortgage workflow automation and lender-facing compliance tooling, particularly in the IMB segment.
Market position
Strengths5 records
Weaknesses4 records
Competitive moat6 records
Key risks6 records
Key highlights7 records
Customer concentration
Aces Risk Management social profiles
Digital presenceAces Risk Management financial estimates
Financial estimateRevenue estimate
Valuation estimate
Aces Risk Management leadership team
Management profileNumber of profiles
Profiles5 records
Aces Risk Management funding detail
Funding detailFunding overview
Funding rounds1 record
Investors1 record
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Aces Risk Management M&A and investment
M&A and investmentM&A1 record
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Aces Risk Management
What does Aces Risk Management do?
ACES Quality Management provides enterprise quality management and control software for the lending industry, enabling financial institutions to execute pre-funding and post-closing audits, automate loan sampling, manage regulatory compliance through dynamically updated questionnaires, and produce real-time QC reporting. The platform serves mortgage lenders, servicers, banks, credit unions, and third-party QC providers with AI-enhanced loan review capabilities and configurable audit workflows.
Is Aces Risk Management a public or private company?
Aces Risk Management is a private company. It is classified as private equity controlled and is currently operating.
When was Aces Risk Management founded?
Aces Risk Management was founded in 1985. It employs 51 to 100 people.
Where is Aces Risk Management based?
Aces Risk Management is headquartered in Denver, United States, in the North America region.
How does Aces Risk Management make money?
One revenue line is on record: enterprise Software Licensing.
Who are Aces Risk Management's main competitors?
Broad incumbents on record are ICE Mortgage Technology (formerly Black Knight), Wolters Kluwer Compliance Risk Solutions, FICO (Fair Isaac Corporation) and Finastra. Direct peers are ComplianceEase (ACES acquired by James Capital; mortgage compliance operations under SAFE Analytical), QuestSoft (now part of FormFree), Mortgage Cadence (an Accenture company) and ServiceLink (a Black Knight / ICE company). Emerging players are Capacity and BeSmartee.
Does Aces Risk Management have an API?
No public API is recorded for Aces Risk Management.
What industry is Aces Risk Management in?
Aces Risk Management's product category is Quality Management and Compliance Software. Its primary akta.pro industry code is BPAHAFAC, Governance & Board Effectiveness Advisory. Its NAICS code is 54161 and its SIC code is 8742.