Reduced previously high turnover rates. An established history of servicing distressed assets and incorporating large acquisitions. A solid internal audit program. A detailed training program for offshore staff. A robust quality assurance department. Very competitive servicing metrics as compared against similar peers. Low staff tenure in many departments. Overall inherent challenges (e.g., retention, training, etc.) regarding the offshoring of most of the company's servicing staff. The scripting of call center staff is somewhat rigid. Failure to adhere to internal policies that caused interest shortfalls to affect certain investment-grade classes in U.S. RMBS transactions. Standard&Poor's Ratings Services' rankings on Ocwen Loan Servicing LLC (Ocwen) as a residential mortgage subprime servicer, residential subordinate-lien servicer, and residential special servicer are ABOVE