Ecuador · Peru · Colombia ES Free assessment ↗
By delinquency stagePreventive collectionsWe reach out before the due date, while the customer is still a customer.Pre-legal collectionsAI decides the channel, the message and the timing.Legal collectionsLawsuit, precautionary measures and enforcement, with our own attorneys.Asset tracingWe find the debtor and their assets when no one else can.
SolutionsCollections outsourcingWe run your collections department under your brand and your rules.Portfolio auditWhat is collectable, what is about to expire and what paperwork is missing.Training and complianceWe train your team and keep every action audited.By sectorCollections for banksWe move the metric without touching your reputational risk.Collections for credit unionsWe recover without breaking the bond with the member.Collections for businessesRecover what you already sold, without burning the customer.
All 10 servicesTen ways to recover your portfolio↗ ✦ Our edgeAI-powered debt collection↗
Where we are EcuadorQuitoGuayaquilColombiaPeru

Training and compliance: so collecting doesn't cost you a penalty

The biggest risk in an in-house collections operation isn't failing to collect: it's collecting the wrong way. An agent who applies pressure beyond legal limits, a call at an improper hour, a conversation with a third party who shouldn't have been involved. Each of those incidents can end in a complaint to the regulator, a penalty and reputational damage that no recovery can make up for.

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01 / What the training covers

Three modules, none of them theoretical

Everything we teach is what we do every day.

What you can and can't do

Legal framework for collections

Permitted channels, hours, contact frequency, handling of third parties and debtor information. Most violations don't stem from bad faith, but from lack of knowledge.

Those who know, negotiate better

Debtor rights

A team that knows the rights of the person on the other end of the line makes fewer mistakes. Ethical collection isn't just a regulatory obligation: it's what allows the debtor to remain a customer after paying.

Agreements that get honored

Negotiation best practices

How to structure agreements that get honored, how to handle objections, how to tell inability to pay from unwillingness to pay, and when to escalate.

02 / Beyond the course

Training is forgotten. Controls are not

Training a team and leaving it without structure has a short-lived effect: performance improves for a few weeks and then goes back to each agent's own judgment.

That's why the work doesn't end with training. We put in place three components that stay in operation within the institution and can be audited later.

When the institution prefers not to run the operation in-house, the same standard is carried over through collections outsourcing.

A course without structure behind it is forgotten within a month. These three components stay in operation.

  • Compliance frameworks

    Written, enforceable and auditable rules on how collections are handled within the institution.

  • Contact protocols

    Scripts and criteria defined by channel and segment, so collection work doesn't depend on each agent's individual judgment.

  • Quality control

    Monitoring and feedback on actual communications, not on what should be happening.

03 / Formats

How it's delivered and where

It adapts to how your team is distributed.

  • In person

    At our offices in Quito, Guayaquil, Bogotá and Lima.

  • On-site

    At your institution's premises, with your own team.

  • Virtual

    For teams spread across several cities or countries.

  • With certificate

    Every participant who completes the program receives one.

04 / FAQ

What we're always asked

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01Who is it for?

In-house collections teams at banks, credit unions and commercial businesses: agents, supervisors and heads of risk and recovery departments.

02Is it in person or virtual?

All three formats: in person at our offices in Quito, Guayaquil, Bogotá and Lima; on-site at your institution's premises; and virtual, for distributed teams.

03Do you issue a certificate of participation?

Yes. Every participant who completes the program receives a certificate.

04Can I hire just the compliance component, without the training?

Yes. Some institutions already have a trained team and what they need is the internal regulatory framework and quality control. These can be handled separately.

JAMAIL, FEXCOB's AI agent
✦ Our edge · AI-powered debt collection

Your portfolio is managed by people and JAMAIL™, our AI agent.

Chooses the channel and timingRanks by likelihood of paymentUpdates case statusesLive reporting
See how we use AI ↗
05 / CredentialsRankings and certifications

Trust and recognition across the region.

International rankings and certifications audited by independent third parties back every action we take on your portfolio.

Leaders League — Ranked Firm 2026
01 · Paris · Annual ranking

Leaders League

Ranked Firm 2026

A distinction awarded from Paris. Each year it ranks the top asset recovery firms in Latin America.

Chambers and Partners · Top Ranked Latin America 2026
02 · International legal directory

Chambers and Partners

Top Ranked · Latin America 2026

One of the most influential legal directories in the world. Its ranking is built by interviewing each firm's clients.

Great Place to Work certification
03 · Workplace culture

Great Place to Work

Certified · Ecuador

International workplace culture certification. A stable team manages your portfolio better.

ISO 37001 anti-bribery certification
04 · Anti-bribery management system

ISO 37001

Certified · Anti-Bribery

International anti-bribery standard, audited by an independent third party. Ethical, traceable management of every portfolio.

Next step

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Talk to our specialists today.

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Three countriesEcuador · Peru · Colombia