Don't feel stupid, Lisa. The only stupid question is the one you don't ask.
ATM Corporation of America out of Coraopolis, PA offers a service to lenders which teaches a lender to operate its own vendor management company. They get all of the systems and training that ATM uses, so their VM operation is basically an "ATM clone".
By the way, not to belabor the point, but....
GO STEELERS!!!
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