The root cause of the subprime mortgage mess has finally been exposed: the absence of operational risk management. The industry is now learning about the extensive amount of mistakes and erroneous information in loan files. Having come to realize the extent of poor lender operations and its role in causing the mortgage mess, the industry must now search for solutions to restore investor confidence. The solution for preventing poor underwriting and fraud is technology combined with risk management -- before, during and after loan origination. Only an automated tool can restore investor confidence. Only an automated tool can review loan data in minutes -- before loans are purchased on the secondary market. When the industry embraces automation of lender operational risk, it will begin producing quality loans and restoring investor confidence, thus putting the industry on the road to recovery.