Fraud as a Service

FRAUD SCORE: THE ANTI-FRAUD CONTROL CENTER FOR YOUR ORIGINATION

Fraud prevention for credit origination: more than 80 alternative data sources in a single call to detect identity fraud hidden behind a clean credit history. Without blocking trusted customers.

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Orquestador Fraud as a service Finvero

The four catalog services

Fraud as a Service · Servicios Antifraude

Automatic rejection

Is there a verifiable fact that single-handedly disqualifies this application?

  • Hard-rule filters with no ambiguity
  • Internal and compliance blacklists
  • Returns: Approved or rejected, with the exact rule triggered.

Fraud score

How likely is this application to be fraudulent?

  • Continuous score from 0 to 1000
  • Precise categorization by alert level
  • Returns: Score from 0 to 1000 and alert level.

Address validation

Does the address exist and match the applicant?

  • Geographic verification and geolocation
  • Address confidence level
  • Returns: Address confidence level and supporting evidence.

Document validation

Is the document authentic and matching the application?

  • Official document authentication
  • Automatic field matching
  • Returns: Per-document result and matched fields.

Credit bureau cannot see identity fraud

Three structural challenges in modern credit origination

Credit bureau cannot see identity fraud

The bureau tells you if someone pays, not if that person exists. A synthetic or stolen identity arrives with a clean file and passes all credit risk filters. Fraud is caught at origination, not credit review.

  • The bureau measures willingness to pay, not whether an identity exists
  • Stolen identities pass traditional credit filters
  • Fraud comes in through the origination door
Transacciones
2026, 03
• 2,912
• 3,876
• 189
Ene Mar May Jul Sep Nov
Validated Signals
Email
Age = 15+ Years
Phone Line
Validated Line · Active
Carrier: AT&T / Telcel
860
Digital Credit Score
Solvencia
Consumo
Riesgo
Afinidad Digital
Perfil Gamer

Manual review comes late and fails to scale

As volume grows, teams review first-in first-out without context. Analysts don't know what to look at first and decisions depend on shift assignment. Hiring more people moves the cost, not the problem.

  • Queue automatically prioritized by risk level
  • Evidence organized and ready for audit
  • Plain-language analysis with no bottlenecks
Risk score assessment
contacto@empresa.mx
✓ Validado
+52 55 8432 9100
✓ Active Line
SCORE DIGITAL IA
842 Aprobado
RIESGO ESTIMADO
Bajo (KS 46%)
ROC 84% Accuracy

Every fraud signal requires a separate contract

Email footprint on one side, phone on another, compliance lists on a third, government validation on a fourth. Four contracts, four integrations, four response formats and no simple way to know what drove the decision. Fraud control becomes a multi-quarter integration project.

  • 1 single unified REST API integration with 80+ sources
  • Zero individual contract negotiations
  • Maintenance and orchestration in a single platform
Fuentes Orquestadas
Listas PLD & Sanciones
International Verification
INE & RENAPO Validation
Identidad Gubernamental
Single Response
Endpoint REST unificado p95 < 3s
+80
Sources in 1 Call
Telco
Email
PLD / PEP

How It Works

Fraud as a Service stops the fraudulent application before it consumes your origination process

Origination REST Call
POST /v1/antifraud/eval HTTP 200 OK
Solicitante AI ✓
Carlos Mendoza
Credit Applicant · Mexico City
< 0.8s
Respuesta REST

01. Send the request

A REST API call from any origination checkpoint you choose. The data you already capture is enough to begin.

⚡
Orchestration of 80+ Sources
Device & IP Reputation ✓ Activo
Listas PLD & Sanciones ✓ Activo
RENAPO / INE Validation ✓ Valid
Huella Digital & Email ✓ Verificado
Solicitante Evaluado ✓
Identidad Multifuente
No Matches on Blacklists
iPhone 15 Pro · IP Limpia
ROC Accuracy 84% KS 46%

02. Cross-reference sources

Over 80 sources are queried and contrasted against each other in a single operation. No separate vendor negotiations required.

AI risk auditor ✓
Dictamen Antifraude
Explainable Assessment · 100% Auditability
✓ Policy v3.2 Latencia: 2.8s
890
Riesgo Alto
HIGH RISK ALERT
[RULE_01] Email < 3 days old
[RULE_04] Inconsistencia IP vs Domicilio
[RULE_09] Disposable phone on list
⚠ MANUAL REVIEW RECOMMENDED

03. Receive decision and reasoning

Approved, review, or rejected, with coded reasons, responding sources, and evaluation completeness score.

Chief Risk Officer ✓
Chief Risk Officer
Policy Sovereignty v3.2
Autonomous Policy Control
👁️ Modo Observador
Logs silently without blocking
ACTIVO
🔒 Automatic Block
Rejects instantly in production
INACTIVO

04. You control execution

Log without blocking while calibrating, then enable active blocking when ready. No dev requests needed.

WHAT THE CLIENT'S OPERATION GAINS

Metrics with a direct impact on the profitability and speed of your origination

IN SALES (HIGH CONVERSION)

Less friction for legitimate customers and step-up verification for suspicious cases to recover applications that are currently rejected out of caution.

Step-up verification for suspicious cases
Recovery of applications rejected out of caution
Frictionless experience for legitimate customers

IN OPERATIONAL EFFICIENCY

Smart prioritization by wait time and plain-language evidence for fast, efficient and unbiased manual review.

Smart prioritization by risk level
Consolidated evidence in plain language
Fast, efficient and unbiased manual review

IN RISK REDUCTION

100% explainable decisions with coded reasons, policy version and compliance lists (AML/PEP) built into the same call.

Coded reasons and policy version
Built-in compliance lists (AML/PEP/Sanctions)
100% explainable verdict for audits

IN TECHNICAL SCALABILITY

A unified output contract for every service. Calibrate in shadow mode and adjust rules with no code and no engineering releases.

Unified output contract (a single REST call)
Shadow-mode calibration in production
Adjustable rules with no engineering releases required

WHO USES IT

Fast, flexible integration for financial institutions, regulated entities and fintechs originating credit in Mexico and LATAM.

SOFIPO · SOFOM · SOCAP

Grow lending to thin-file customers without driving up delinquency.

BANKING

Complement your internal score with signals that don't live in the credit bureau.

MERCHANT LENDERS AND RETAIL

Approve at the point of sale, with no friction for the buyer.

AUTOMOTIVE

Evaluate applicants who don't qualify for traditional banking.

SMEs

Add SAT, CFDI and public registry data to the file without routing it through an analyst.

Orquestador Antifraude Finvero
identity@antifraude.ai
✓ Real Identity Validated
AML & Sanctions Lists
✓ No Matches
FRAUD RISK
0.02% Low
ANTI-FRAUD ASSESSMENT
Approved Without Friction
80+ Sources in 2.8s

VOICES FROM THE OPERATION

What risk, data and technology leaders say

“My rejection rate is high and I don't know how much healthy business I'm leaving on the table.”

Chief Risk Officer
Head of Risk
Financial Sector / SOFIPO

“I want to test a new model in production without betting the portfolio.”

Chief Data Officer
Head of Data
Banking & Fintech

“I need to know what the API returns before I schedule a call.”

CTO
CTO
Lending Platforms

“We detect synthetic identity attempts before querying the credit bureau.”

Head of Fraud Prevention
Head of Fraud Prevention
Financial Sector & SOFOM

FREQUENTLY ASKED QUESTIONS

Everything you need to know about integration and the Fraud as a Service model

Does the fraud score replace the credit bureau?

+
No, and it shouldn't. The credit bureau measures repayment capacity and behavior; we measure whether the identity is real and whether there are signs of abuse. In fact, the order matters: filtering out fraud before querying the credit bureau keeps you from paying for inquiries on applications that should never have moved forward.

How accurate is the fraud detection model?

+
The model orchestrates more than 80 alternative data sources with accuracy above 84% ROC and a KS of 46%, detecting high-risk applications and synthetic identities in under 3 seconds.

Are anti-fraud decisions a black box?

+
No. Every response includes the coded reasons, the model version, the policy version in effect at that moment and which sources responded. The detail screen shows the same information in plain language, with evidence ranked by weight.

What do I need to integrate the fraud score?

+
It's a REST call with an endpoint and key you receive when the model is activated. You don't change your architecture or migrate your origination: the module plugs in wherever you decide, and you choose whether the response blocks, sends to review or is only logged while you calibrate.

Does fraud detection work with my type of portfolio?

+
The assessment works the same way for consumer, personal, auto, SME and BNPL credit. Optional fields unlock additional signals, and if any are missing, the response tells you which ones and the coverage the assessment was run with.

Does fraud prevention comply with data privacy laws?

+
Fully. It complies with the LFPDPPP and international standards such as AES-256 encryption and ISO 27001, without sharing or storing data outside the environments authorized for the assessment.