Independent Escrow Compliance Layer
AER reconciles your escrow accounts every business day, from outside the people who move the money, and delivers the monthly compliance portal. Start with a free Snapshot.
Affiliations & Credentials
AER serves on the NIAS Leadership Council and is a NIAS Marketplace Vendor. Read the announcement.
What AER Does
Daily reconciliation and a monthly compliance portal for your escrow accounts. A check of reconciliations your platform or provider already completes. Help with mandated state filings. Backlog cleanup when an audit is on the calendar.
Recurring · Core product
Daily reconciliation catches an unmatched item while it is fresh and easy to trace. Every month, the AER Compliance Portal documents the account for an underwriter or examiner.
Pricing is based on the combined volume that clears through your escrow accounts each month. Quoted after a short call.
Scope a Program →Verification · Completed reconciliations
Your reconciliation is done by your platform, your underwriter, or an outsourced provider. AER independently verifies the completed reconciliation, flags the items that need attention, and delivers the same consolidated compliance portal.
Pricing: volume-dependent. Contact AER.
Start Assessment →Annual · State-mandated
Many licensed agents have annual state filings or escrow audits. AER prepares Maryland MAHT and Florida Data Call filings, and prepares the reconciliation documentation for a Virginia RESA audit.
Quoted per state and per filing.
See State Coverage ↓One-time · Scope-based
For agencies with aged exception backlogs, stale-check accumulation, or an upcoming underwriter or regulatory audit. AER works through the backlog with the agency and prepares audit-ready documentation.
Scope-based engagement, quoted after review.
Request a Scope →The Category
Independence is the product. AER reconciles your escrow from outside your system of record, your bank and your underwriter, and documents it for the people who audit you.
How It Works
Your bank statements and daily bank activity, read-only at the bank, and the reconciliation reports in your platform. Nothing for the agency to send.
AER never moves, holds or disburses funds, and never handles Positive Pay or check approvals. Those stay with the agency and its bank.
Daily: for every account under daily reconciliation, exceptions are noted by the next business day. Monthly: your compliance portal updates when the reconciliation cycle closes.
AER is the independent escrow compliance layer that verifies reconciliation work and converts platform data into underwriter-ready audit documentation.
“It's helpful for us bankers to know what happens on the compliance side, and having somebody that can dive in deep to address compliance issues.”
VP, Commercial Banking
From Clients and Auditors
On her underwriter audit
“This was the easiest and quickest audit so far that I have ever had. You are great at what you do and it has taken a great deal of stress and headache off me.”
Gwen Pugh, Evergreen Title and Closing, LLC, Bristol, Tennessee
On daily reconciliation and the portal
“Both the daily reconciliation and the monthly AER Compliance Portal have been working well and meeting our expectations. Bryan has been active with our audits, takes our calls, and walks us through any accounting issues on the back end. Having a partner like AER gives us peace of mind that our books are balanced and reconciled.”
Zak Hussain, Co-Founder, Pegasus National Title
On the compliance portal
“The portal that you have created has helped tremendously [in] getting those old checks out of the way.”
Gwen Pugh, Evergreen Title and Closing, LLC, Bristol, Tennessee
An underwriter's auditor, on the portal
“Looks really good. You're definitely going beyond… the average reconciler.”
Senior agency auditor, national underwriter
An underwriter's quality assurance VP, on AER's agent overview
“I'm super impressed with what you've done so far… The document looks great and covers all the bases.”
VP, Quality Assurance, national underwriter
Audit Exposure Snapshot · Free
AER reads your reconciliation reports against the matching bank statements and returns a one-page read of your exposure. Delivered within five business days of a complete packet. No software, no integration, no commitment.
Reconciliation reports, not ledger exports. If more than one month is available, send it. A single month cannot separate an item that is still clearing from an item that has stopped.
One page, in writing. It is yours to keep, and yours to hand to your underwriter if it is useful. If there is nothing there, you will be told that too.
You choose the periods. You may mask account numbers before sending. For the Snapshot, AER never accesses your platform, your bank, or your systems: you send reports you already export, AER reads them, and that is the entire footprint. There is no charge for the Snapshot.
Uploads go through Encyro, a secure document exchange. Prefer to talk it through first? Book some time.
Your documents are used for one thing: producing your Snapshot. Access is limited to AER.
Questions before you send anything? Email bryan.colbert@americanescrowreconciliation.com and ask. If your firm needs a confidentiality agreement in place first, say so and we will sort it out before you upload.
State Compliance Filing Program
Licensed title and escrow agents carry annual state obligations. AER prepares the filings it can file for you, and prepares the documentation for the audits it cannot perform.
Founder Credential
26 years in title insurance and escrow.
Built the reconciliation services department at a national title technology platform from zero to about forty people. Audit credentials with national title underwriters. NIAS Marketplace Vendor and member of the NIAS Leadership Council.
AER exists because I spent 26 years watching title agencies get blindsided by audits they could have passed. I’ve built reconciliation from the inside and audited it from the outside. AER is what comes after the reconciliation.
Bryan W. Colbert, Founder and President
Three Questions. One Personalized Checklist.
Tell us where you're licensed, what platform you run, and when your next deadline hits. AER returns a tailored compliance checklist, instantly.
Start My AssessmentTakes under 60 seconds. No sales call required.