Total Expert

• Customer Intelligence for combining behavioral, financial, engagement, and intent data into dynamic customer profiles.
• AI Sales Assistant for personalized, mortgage-focused voice and SMS engagement, lead qualification, and appointment scheduling.
• Marketing automation for creating personalized campaigns and communications across customer journeys.
• Dynamic Journeys that coordinate automated and human touchpoints based on customer behavior and preferences.
• Lead Management for capturing, prioritizing, routing, and following up with financial-services leads.
• Sales productivity tools including prioritized lead lists, 360-degree customer views, and engagement workflows.
• AI Scenario Assistant for creating personalized financial scenarios using customer context and pricing data.
• Compliance-focused workflows and content controls designed for regulated financial-services communications.
• Reporting and analytics tools for monitoring customer engagement, campaigns, sales activity, and platform performance.
• Integrations and data connectivity supporting financial-services systems, pricing engines, CRM environments, and external data sources.

Total Expert is a customer operating system designed specifically for financial institutions. The platform combines customer intelligence, engagement, marketing automation, sales productivity, lead management, compliance, and AI-assisted interactions in a unified environment. Its target customers include mortgage lenders, banks, credit unions, and insurance organizations that need to manage customer relationships across financial milestones. Total Expert states that more than 200 financial institutions use its platform and that it has supported more than seven trillion dollars in funded loan volume since 2016.

Customer Intelligence is a core component of the platform. It creates dynamic customer profiles by combining behavioral, demographic, financial, relationship, engagement, and intent information. Customer IQ, introduced in 2026, is positioned as a system of context for AI-powered and human engagement. It can enrich contacts with multiple categories of customer data and surface signals that may indicate when a customer is approaching a relevant financial decision.

The platform uses this customer context to support automated engagement. Dynamic Journeys can coordinate human and digital interactions according to customer activity, preferences, and other configured conditions. Financial institutions can use these workflows to deliver personalized campaigns, follow-ups, educational content, and other communications across the customer lifecycle.

Total Expert also includes lead management capabilities. The platform provides a centralized location for capturing and managing leads, with rule-based routing that can automatically distribute opportunities to appropriate loan officers. Lead activity can be used to trigger personalized Journeys, helping customer-facing teams organize follow-up while reducing manual lead-management processes.

AI Sales Assistant adds conversational automation to the platform. Designed specifically for mortgage lending, the assistant can conduct AI-powered voice and SMS conversations, nurture leads, qualify prospects, answer configured questions, make warm transfers, and schedule meetings. The system uses customer context and communication preferences to personalize interactions while incorporating compliance requirements into the engagement workflow.

The platform also provides an AI Scenario Assistant for financial-services use cases. This capability can use customer context together with pricing information to create personalized scenarios involving areas such as refinancing, home purchases, or leveraging home equity. The resulting presentations are designed to help financial professionals communicate relevant financial possibilities to individual customers.

Marketing automation is another major part of Total Expert. Financial-services teams can create campaigns, manage audience segments, distribute content, and coordinate communications through the platform. Its Expert Content offering provides pre-built financial-services content and templates that organizations can customize for their own customer communications and marketing requirements.

Sales productivity tools bring customer information and engagement activity into a unified environment. Features include prioritized lead lists, 360-degree customer views, conversational SMS capabilities, lead management, and tools for coordinating sales and marketing activity. This structure is designed to give customer-facing employees more context when deciding which customers or prospects to engage.

Compliance is incorporated into the platform because Total Expert focuses on regulated financial-services organizations. The platform supports compliance workflows around customer communications and marketing content, while its security program includes enterprise security controls. Total Expert also provides integrations with external financial technology systems, including pricing and product-related platforms.

Reporting and analytics help organizations monitor customer engagement, campaigns, sales activity, and other operational information. The platform’s reporting capabilities are designed to give financial institutions visibility into customer and business activity while allowing teams to evaluate how engagement programs are performing.

Total Expert’s current product direction increasingly incorporates AI assistants alongside its existing customer intelligence and automation infrastructure. In 2026, the company introduced Customer IQ as a context layer for agentic lending and continued expanding AI capabilities, including AI Sales Assistant, AI Scenario Assistant, and AI SMS Assistant. This positions Total Expert as a specialized financial-services customer engagement platform combining CRM-style functionality, marketing automation, customer intelligence, and AI-assisted workflows.

Frequently Asked Questions

What is Total Expert?

Total Expert is a customer operating system for financial institutions that combines customer intelligence, CRM, marketing automation, sales productivity, compliance, and AI-powered engagement.

Who uses Total Expert?

Total Expert is designed for mortgage lenders, banks, credit unions, insurance organizations, and other financial institutions.

How much does Total Expert cost?

Total Expert uses contract-based pricing, while a publicly listed AWS Marketplace offering shows $125 per user per month for a 50-user subscription.

What is Customer IQ?

Customer IQ is Total Expert’s customer context system that combines behavioral, financial, engagement, relationship, and intent information to support personalized human and AI engagement.

Does Total Expert have an AI assistant?

Yes, Total Expert offers AI assistants including AI Sales Assistant, AI Scenario Assistant, and AI SMS Assistant for financial-services workflows.

What does the AI Sales Assistant do?

The AI Sales Assistant conducts mortgage-focused voice and SMS conversations, nurtures leads, qualifies prospects, makes warm transfers, and schedules meetings.

Does Total Expert provide marketing automation?

Yes, Total Expert provides marketing automation for personalized campaigns, customer communications, audience targeting, content distribution, and automated customer journeys.

Does Total Expert support lead management?

Yes, Total Expert provides lead management for capturing, prioritizing, routing, and following up with leads through a centralized platform.

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