WFG National Title Insurance Co. has taken another major step forward with the official launch of its Agent 3.0 program. This strategic shift signals a new phase in the company’s technology-driven partnership with independent title agents.
Originally launched as Agent 2.0 in March 2024, the program was designed to strengthen WFG’s connection with independent title agents by delivering meaningful tools and hands-on support. But over the past year, the pace of innovation, particularly in AI, automation, and digital integration, has accelerated dramatically. So much progress has been made that WFG is now formally elevating the initiative to Agent 3.0. The shift to Agent 3.0 marks more than an upgrade—it’s a quantum leap in capability, vision, and commitment, ensuring WFG’s solutions stay ahead of the curve and evolve in alignment with agent needs.
Agent 3.0 reflects a major step forward in WFG’s technology and service model, inspired by the evolution seen in terms like Web 3.0. Traditionally, '3.0' marks the shift from static tools to dynamic, intelligent systems—where automation, data, and user collaboration power faster and smarter experiences. With the recent appointment of entrepreneur and technologist Ryan Ozonian as Senior Director of Innovation and AI, and the expansion of its ATS (AI – Automations & Technology Solutions) Team, WFG is embracing this same philosophy.
A Proven Innovator
“AI and automation are changing the way industries operate, and WFG is at the forefront of bringing that transformation to title and real estate services,” said Ryan Ozonian. “We’re not developing technology in isolation. Everything we’re creating for our title agents is a direct result of what they’re asking us for. We’re showing up, listening, and translating their feedback into real solutions that are practical, impactful, and built to deliver real results for our agents, customers, and partners.”
A seasoned entrepreneur and AI trailblazer, Ryan Ozonian founded Mention Mobile in 2010 and later partnered with Mark Cuban to launch Dust (formerly Cyber Dust), a secure, ephemeral messaging app designed to protect user privacy. His achievements earned him recognition on Forbes’ “30 Under 30” list in consumer technology in 2016. His areas of expertise also include blockchain and crypto.
Agent-Informed Priorities
 |
|
Gene Rebadow, EVP of Agency Operations
|
Working as part of WFG’s enterprise technology program, Ryan and the ATS Team are focused on AI and automation initiatives that streamline workflows, improve operational efficiency, and deliver measurable value to WFG’s national network of independent title agents, customers and partners. He and his team also identify digital tools and products that help WFG’s agents build their businesses.
The ATS Team’s mission is guided by WFG’s executive technology strategy and informed by the company’s Agent 3.0 Advisory Group, whose input helps determine where AI and automation can have the greatest impact. One of the first examples is E-remit, a digital invoicing and payment platform fast-tracked based on advisory feedback to simplify reconciliation and reduce back-office friction for WFG’s title agents.
“Our agents’ insights are the foundation of everything we do,” said Gene Rebadow, EVP of Agency Operations. “The ATS Team channels that insight into practical innovation, ensuring the solutions we develop aren’t just smart, but truly useful in the day-to-day business of running a title agency. Under Ryan’s leadership, we’ve brought on top AI and data specialists and launched collaborative workshops with agents across the country. His team’s mission is clear: to build technology that’s not only innovative, but directly aligned with the challenges our title agents face every day.”
E-remit: Built With Agents, Not Just for Them
E-remit is a prime example of WFG’s agent-driven innovation model. E-Remit is a payment automation tool that simplifies the often tedious and error-prone process of remittance and reconciliation. Unlike other tools on the market, it was co-developed alongside advisory agents to ensure the user experience reflects actual day-to-day needs.
“We’ve worked closely with WFG to help shape the E-remit experience around the realities of our daily operations,” said Kathy Kwak, COO at Proper Title. “The fact that our input led to actual system changes—that’s rare and refreshing.”
Agent 3.0: A Platform Built On Partnership
Context-aware, responsive, and rooted in agent feedback, Agent 3.0 is designed to evolve alongside the needs of title professionals and their clients.
The ATS Team’s involvement and E-remit launch are the latest developments under WFG’s Agent 3.0 program, a comprehensive strategy designed to empower independent title agents with the tools, technology, and support to grow their businesses and compete more effectively in a changing market.
“Agent 3.0 isn’t just a collection of tools—it’s a reflection of our belief in true partnership,” said Rebadow. “We’re giving our agents access to everything we use internally—our playbooks, technologies, fraud protection, marketing support—and a team like ATS that is dedicated to solving problems in real time.”
The Agent 3.0 platform spans seven key focus areas:
- AI Applications, Technology and Innovation
- Fraud Prevention
- Assistance with Marketing and Sales
- Business Operational Support
- WFG Purchasing Group
- Title Operations and Processes
- Product and Service Resources
“With Agent 3.0, we’re not just handing agents a list of services,” said Jaime Johnson, VP and Director of Agent 3.0. “We’re working alongside them to ensure they have what they need to grow, solve problems, and run their business more efficiently. Whether they’re just getting started, scaling quickly, or managing a well-established operation, it’s about partnership, not just products.”
Tiered Support and Scalable Innovation
WFG’s Agent 3.0 program is designed to meet agents wherever they are in their business lifecycle. From high-growth operations to lean, independent shops, the program offers personalized support, powerful technology, and scalable solutions that adjust to each agency’s unique needs.
“We’ve designed Agent 3.0 to grow with our agents’ needs,” said Rebadow. “Regardless of the size or stage of their business, every agent has access to valuable tools, personalized support, and the collective knowledge of WFG’s internal teams like ATS.”
“This is a long runway,” said Johnson. “But with the right team, feedback loop, and infrastructure in place, we’re confident in what’s coming next—and we’re just getting started.”
A Culture of Listening
Perhaps the most meaningful takeaway from the Agent 3.0 program’s early success is the cultural shift it represents: listening as strategy and taking advantage of AI and other world-class platforms like SalesForce and Mulesoft.
With Agent 2.0 expanding and accelerating and the ATS Team in place, WFG is demonstrating that in an industry often slow to evolve, listening may be the ultimate competitive advantage.
“It’s not about being perfect—it’s about delivering exactly what our agents need, when they need it,” said Rebadow. “Their input drives our progress—helping us build tools that make them more successful, more efficient, and better equipped to serve their customers every day. And when they succeed, we all succeed.”
About WFG National Title Insurance Co.
Currently celebrating its 15th year, WFG National Title Insurance Company (WFG), a Williston Financial Group company, is a national underwriter and leading provider of title insurance and real estate settlement services for commercial and residential transactions nationwide. Founded in 2010, WFG achieved its national footprint faster than any underwriter.
Built around the directive to “communicate, collaborate, coexist,” WFG strives to improve the real estate process through the creation and delivery of comprehensive, innovative services and technology solutions that empower and increase transaction transparency for the title agents, real estate professionals, lenders, and consumers it serves. The company enjoys a Financial Stability Rating of A’ (A prime), as assigned by Demotech, Inc. For more information, visit www.wfgtitle.com.