Fraud & Anomaly Detection
Auto-flag suspicious patterns, round-trip transactions, staged credits, and statement manipulation before they reach a credit officer — protecting your loan book at the source.
Fraudsters are sophisticated. Manual review isn't enough.
Fraudulent applicants manipulate bank statements — round-tripping, inflated credits, staged transactions. These patterns are invisible to the naked eye but statistically detectable at scale.
AI-powered fraud detection before disbursement
Fraud Detection report auto-flags suspicious patterns, anomalies, and round-trip transactions before they reach a credit officer — with a composite fraud risk score and full evidence trail.
Key Capabilities
Round-Trip Detection
Identify circular fund flows between related accounts — a hallmark of statement manipulation and synthetic income inflation.
Anomaly Flagging
Statistical outlier detection on credit amounts, timing patterns, and counterparty behaviour — flags unusual activity automatically.
Staged Transaction Detection
Identify artificially staged cash flows used to simulate salary income or business receipts before a loan application.
Counterparty Risk Scoring
Map inflow sources and identify high-risk counterparties, related-party transfers, and unusual payers.
Balance Manipulation Signals
Detect sudden, pre-application balance spikes inconsistent with historical patterns — a key fraud indicator.
Fraud Risk Score
A composite fraud risk score with explanations — ready for credit officer review or automated rule-based decisioning.
How It Works
Statement Ingestion
Raw bank statement PDFs are parsed and all transactions extracted with full metadata.
Pattern Analysis
AI runs round-trip detection, balance spike analysis, staging pattern recognition, and counterparty mapping.
Anomaly Scoring
Each suspicious pattern is scored and weighted into a composite fraud risk score with evidence trail.
Fraud Report
A structured fraud detection report is generated — flags, evidence, risk score — ready for compliance review.
Who Uses This
Catch manipulated statements before they reach the credit officer — eliminate fraud at the intake stage.
Systematically screen large volumes of statements for anomalies during periodic audits.
Protect the loan book from fraudulent applicants with pre-disbursement fraud screening on every application.
Detect staged transactions and inflated income in insurance applications backed by bank statements.
Deep-dive counterparty mapping and timeline reconstruction for in-flight fraud investigation cases.
Auto-flag high-risk applications before manual review — reduce fraud losses without adding headcount.
Stop fraud before disbursement
Book a demo and see live fraud pattern detection on a real manipulated bank statement.
Book a Demo