Lending Fraud
Detection
Detect fabricated income and doctored bank statements before you disburse a loan. Uncover round-tripping, pass-through transfers, and statement tampering at underwriting, with an explainable verdict your credit team can act on.
Catch Fabricated Cash Flow Before You Disburse
Underwriting Intelligence, Not Guesswork
Go beyond a manual glance at a PDF statement. Vyndarix analyzes submitted transaction history for signs of fabricated income and document tampering, then returns a verdict your team can defend.
Statement Authenticity Checks
Detect tampered bank statements: broken running-balance math, mismatched opening and closing figures, and transactions that change amount across re-submissions.
Fabricated Income Detection
Identify round-tripping, rapid pass-through transfers, funnel accounts, and dormant-account reactivation used to manufacture the appearance of regular income.
Affordability & Repayment Insight
Combine statement analysis with behavioral and repayment-conduct signals for a fuller picture of an applicant's real capacity to repay.
Explainable, Contestable Verdicts
Every flagged pattern comes with a defensible, coded reason, a confidence level, and a recommended next action your credit and compliance teams can stand behind.
Underwrite With Confidence
Give your lending and compliance teams a real-time, explainable verdict on every application before funds go out the door, without slowing down good borrowers.
What Gets Flagged
Stop Fabricated Income Before It Reaches Underwriting
See how a purpose-built lending fraud solution can give your credit team an explainable, real-time verdict on every application.
Frequently Asked Questions
Common questions about this solution.
What is lending fraud detection?
Lending fraud detection identifies applicants who fabricate income or manipulate bank statements to qualify for a loan, using patterns like round-tripping, pass-through transfers, and statement tampering.
How does statement authenticity checking work?
Submitted bank statements are checked for signs of tampering, such as broken running-balance math, mismatched opening and closing figures, or the same transaction appearing with a different amount across re-submissions.
Does lending fraud detection work with our existing fraud and compliance tools?
Yes. Lending fraud detection extends the Vyndarix platform, so findings appear alongside your existing fraud and AML cases in the same investigation workspace and audit trail.
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