Document fraud detection for lending and rental applications

The challenge

Lenders and property managers were verifying pay stubs and bank statements by hand, which was slow and missed sophisticated fraud.

  1. Manual review could not keep up with application volume.
  2. Altered documents were getting through visual checks.
  3. Income had to be calculated consistently across different document formats.
  4. Every decision needed to hold up to compliance review.

What Winjit built

01

ID authentication

OCR that reads and validates identity documents.

02

Income verification

OCR combined with a language model to extract income details from pay stubs and bank statements.

03

Automatic income calculation

A language model that calculates income from the extracted data.

04

Document tamper analysis

Machine learning models that check fonts and file metadata for signs of alteration and produce an analysis report.

TechnologyNode.js · Python · React

Results

350K+

applications verified

Faster

verification with fewer manual checks

Higher

detection of altered documents