Catch fraud before you fund the loan
Run fraud and AML detection across your full origination pipeline so your team funds real borrowers and files on the rest.
Catch application fraud
Cover lending AML
Monitor borrowers continuously
Answer any examiner from the audit trail
LENDING CHALLENGES
Run fraud, AML, and borrower risk from one platform
Cover application fraud, ongoing monitoring, and regulatory filing from one platform.
Application Fraud
- Synthetic identity detection at application
- Income and employment fabrication
- Document tampering and forgery analysis
- Loan stacking velocity across lenders
AML & Compliance
- Sanctions and PEP screening at origination
- Beneficial ownership resolution for business loans
- Repayment pattern monitoring for laundering
- Suspicious activity narrative generation and regulatory filing
Borrower Risk
- Continuous borrower re-scoring post-funding
- Adverse media and sanctions list monitoring
- Device and behavioral analytics
- First-party fraud and bust-out modeling
Cover fraud and compliance across the loan lifecycle
Score every applicant against identity, device, and bureau signals
Catch synthetic identity patterns, document tampering, and device anomalies before underwriting.
Use pre-built rule packs for consumer, business, BNPL, mortgage, and auto lending.
See application screening
Flag borrowers applying across multiple lenders simultaneously
Catch loan stacking through velocity models and cross-application signals across every applicant.
Show every stacking alert with the timeline and risk score so your underwriters decide in minutes.
See stacking detection
Monitor loan funding, repayment, and early payoff for laundering patterns
Watch loan funding and repayment for lending-specific laundering patterns tied to the borrower's full risk profile.
Cover collateral manipulation, third-party payoff, and mismatched source-of-funds with dedicated detection for each.
See lending AML
Carry every borrower case from first flag to resolution inside one workspace
Move every fraud, AML, and credit-related case from intake through investigation to resolution inside one workspace so your team works the same evidence whether they close a fraud claim or file a SAR.
Hand your investigation team every case with identity, application, and repayment context already attached.
See case management
PLATFORM CAPABILITIES
Map every platform capability to your lending program
Cover application fraud, AML, borrower risk, and regulatory filing from one platform.
Synthetic identity detection
Catch fabricated identities through behavioural and device-level signals that go beyond the bureau pull.
Lending-specific AML typologies
Run pre-built scenarios for rapid payoff, loan-back schemes, and structured funding.
Case management with filing-ready output
Build cases from alerts, generate suspicious activity narratives from case data, attach evidence, and file to the relevant regulator in one workflow.
Entity resolution across loan products
Link borrowers across consumer, business, mortgage, and BNPL applications to surface stacking, related-party risk, and bust-out patterns.
Explainable risk scoring
Log the signals behind every automated decision to satisfy adverse-action and fair-lending requirements.
Regulatory reporting and audit trail
Automate suspicious activity reporting and audit trails across the life of the loan.
INTEGRATION
Deploy into your origination pipeline in weeks
Push loan applications, bureau pulls, and borrower documents through the API. Ingest identity, financial, and device signals from your loan origination system in real time or batch.
Set thresholds for synthetic identity scoring, stacking velocity, income verification, and AML typologies. Drop into pre-built rule packs across your lending portfolio.
Auto-approve clean applications, escalate medium-risk cases for manual review, and block high-risk submissions. Log the signals behind every decision so your analysts act on clear evidence.
When an investigation confirms suspicious activity, generate the narrative from case data, attach supporting evidence, and file to the regulator with the full decision chain examiner-ready.
Cut application review time with supervised agents.
OneLattice's purpose-built agents that handle this work end-to-end.
Triage Agent
Triages every alert, escalates real signal, and learns from analyst dispositions.
EDD Agent
Researches businesses and UBOs across registries, filings, and corporate documents.
FP Resolver
Clears name mismatches, transliteration, and weak matches against client SOP.
Investigator Agent
Gathers history, runs checks, builds the case, and recommends action.
RELEVANT SOLUTIONS
Explore the solutions that cover lending risk
Run every solution your lending program needs from one platform.
Customer Onboarding
Verify borrower identity, run CIP checks, and screen against sanctions lists at loan application.
Learn more →Customer Risk Assessment
Score borrower risk using identity, behavioral, financial, and bureau signals in one model.
Learn more →Identity Fraud Prevention
Detect synthetic identities, document forgery, and device spoofing before underwriting begins.
Learn more →Transaction Monitoring
Monitor loan funding, repayment, and early payoff for structuring and laundering patterns.
Learn more →Sanctions Screening
Screen borrowers and guarantors against major global sanctions lists at origination and ongoing.
Learn more →Mule Detection
Catch accounts used to funnel loan proceeds through velocity, counterparty, and behavioral analysis.
Learn more →Investigation & Reporting
Build cases from alerts, draft suspicious activity narratives from case data, and file to the regulator in one workflow.
Learn more →Continuous Monitoring
Re-score borrowers when sanctions lists update, adverse media surfaces, or behavioral patterns shift.
Learn more →