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2025

Great Expectations: How Expectation Definitions Strengthen Document Fraud Detection

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When it comes to fighting document fraud, lenders should have “Great Expectations.” We are not talking about Charles Dickens’ 19th century novel. Rather, we are referring to the ability to quickly distinguish between legitimate and illegitimate income documents using a concept we call “Expectation Definitions.” What is an Expectation Definition? An “Expectation definition” means the

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AI-Driven Portfolio Maintenance: The New Credit Risk Advantage in Auto Lending

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If you only serviced your car once a year, you wouldn’t expect it to run at peak performance. Long before that annual appointment, the oil has already started to break down, belts show wear and filters begin to clog. Lending isn’t much different. When underwriting guidelines and portfolio performance go too long without review, small

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Fair Lending is Dead, Long Live Fair Lending

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 “Le roi est mort, vive le roi!”  The peers of medieval France recited this proclamation to simultaneously acknowledge the death of a king and the continuation of the monarchy. This seemingly contradictory quotation aptly describes my feeling as a fintech compliance practitioner for the current state of fair lending. Ostensibly, recent Federal actions suggest dramatic changes

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Transaction Recycling is Becoming a Massive Document Fraud Problem

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Welcome to Informed’s Fraud Watch: Informed’s blog on the latest fraud trends. As lenders contend with evolving risks in income document fraud, one emerging fraudster technique deserves more attention–“transaction recycling.”  “Transaction recycling” describes fraudster re-use of the real-world identifiers associated with ACH, check, debit, and vendor transactions in bank statements or other income documents. A

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AI in Auto Finance: Advancing Risk Management, Fraud Prevention, and Customer Engagement

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Artificial intelligence (AI) is rapidly transforming industries across the world, including auto finance. Traditionally, lenders have faced challenges with detecting fraud, validating income, and maintaining strong customer engagement. However, recent advancements in AI technology are revolutionizing these processes with remarkable efficiency. According to Precedence Research, the generative AI market is expected to expand by 27%

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Circular Bank Statement Fraud: The New Synthetic Income Scam

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Fraud in auto lending is constantly evolving — and circular bank statement fraud is the latest tactic lenders must watch for. For years, lenders have battled synthetic identities, falsified paystubs, and fake employers. Now, a more sophisticated tactic is taking hold: circular income transactions hidden within digital bank statements. This isn’t just fraud repackaged —

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Digital Footprints: How Lenders Can Use Real-World Data to Combat Document Fraud

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Every couple of weeks, I see a photo of a fake receipt or paystub flash across my LinkedIn feed. The document looks authentic, complete with coffee stains, weathered texture, and creases. These synthetic documents should spark lender concern. Thousands of paystub generation sites are now available on the Internet. Fraudsters can now quickly generate a

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