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Getting started with Digital Transaction Management

What Digital Transaction Management is for, who uses it, what you need before you start, and your first steps.

Applies to Digital Transaction Management as it works today. Moraph updates the platform continuously, and this page is reviewed when it changes.

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On this page
  1. What it is for
  2. Who uses it
  3. Before you start
  4. Steps to get started
  5. Where to go next

Moraph resells, implements and runs DocuSign eSignature for lenders, banks and credit unions. We build signing workflows for loan documents with consumer consent, signer authentication, signing order and retention configured to your procedures, and DocuSign records each envelope's history and certificate of completion as evidence of who signed what and when. Moraph then operates the account: templates, changes, integrations, access and support, under your approval.

What it is for

Lenders adopt electronic signatures quickly, but the details that make an electronic record hold up are easy to get wrong: consumer consent under ESIGN before disclosures are delivered electronically, a reliable way to show the signer is who they claim to be, and a complete, tamper-evident record of the transaction kept for as long as the loan requires. Templates multiply across branches and loan products, senders improvise, and when a borrower disputes a signature or an examiner asks for evidence, the record is incomplete or hard to find.

  • Consumer consent to electronic records is captured inconsistently or not at all
  • Signer authentication varies by sender rather than by the risk of the document
  • Templates drift across branches and loan products, with no one owning them
  • Completed documents and their audit evidence are scattered across inboxes and shared drives

Who uses it

  • Lending and loan operations leaders at banks, credit unions and mortgage lenders
  • Loan officers and closers who send documents for signature
  • Compliance officers responsible for ESIGN, UETA and disclosure delivery
  • IT teams who need DocuSign integrated with loan origination and document systems
  • Internal audit and examiners reviewing electronic signature evidence

Before you start

  • Your organization uses Digital Transaction Management as a managed platform from Moraph, under an agreement that covers it.
  • Licences for DocuSign, bought through Moraph or under your own agreement with the vendor.
  • A Moraph account in your organization for each person who works with Moraph on the service.
  • Named technical and security contacts, recorded in the Moraph Portal.

Steps to get started

  1. Agree the scope of the managed service for Digital Transaction Management with Moraph, including which environments and teams it covers.

  2. Name your administrators, technical contact and security contact in the Moraph Portal under People and access.

  3. Review the configuration baseline Moraph proposes for your regulations, and record any changes you need.

  4. Confirm how users will sign in, through your identity provider where the platform supports it.

  5. Agree the pilot group and the cut-over plan with your Moraph delivery lead.

Where to go next

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