Stopping Professional Fraud Rings

A mid-sized lender was hit by professional fraud rings spamming their system with dozens of applications. Using the same documents but different names and addresses, attackers flooded the system with 10–20 applications at once. Loan officers, working separately, had no way to connect these applications, leading to overload, delays, and in some cases, fraudulent loans being approved.

The Challenge

• Cheap, accessible AI tools make it easy to manipulate documents and IDs — for as little as a dollar
• Professional fraud rings exploit this to create synthetic identities and documents at scale
• Loan officers were slowed down by a flood of applications, missing the connections between them
• Manual reviews couldn't keep up, and fraud slipped through

The Solution

The lender integrated DeepXL's API into their loan origination workflow. Our system:

• Scans IDs and documents to detect hidden edits, tampering, and synthetic creation
• Cross-checks applications in real time to spot reused duplicate documentation
• Provides clear scoring (Trusted, Warning, High Risk) with explainable heatmaps and anomaly reports
• Prioritizes workflows, routing only flagged cases to human review while auto-approving trusted ones

The Results (Pilot Phase)

• Fraud "spam attacks" identified instantly and blocked before payout
• 40% fewer manual reviews, freeing staff from repetitive, low-value work
• Duplicate identities and manipulated documents flagged automatically
• Faster, smoother onboarding for genuine borrowers

Impact

DeepXL gave the lender a way to fight fraud rings at scale, even against professional fraudsters using AI. Fraudulent applications that once slipped through undetected were now blocked within minutes — while real customers enjoyed faster approvals. The result: stronger fraud defenses, lower risk, and measurable ROI.