We reconcile every bank statement to the last peso
We read bank statements, articles of incorporation and proofs of address, reconcile their figures and detect tampering before disbursement. Every verdict comes with its evidence.
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Descriptive figures for the service; not results observed in a portfolio.
Document risk score
Numeric rules + AI
API, batch or origination
Statement, articles and address
How it works
Three ways to integrate it: REST API with a signed webhook · batch, uploading your document set · the Finvero origination flow, where the document step is already built in.
Bank statement
Illustrative example
- Transactions
- Balances
- RFC · CURP
- Issuer format
2. We read and normalize
We extract fields and transactions, normalize each issuer’s format and generate the engine’s signals.
4. You decide and monitor
You get the verdict, score and reasons, and track every file on the Finvero platform.
Your review desk eyeballs what an edited PDF hides
A balance can be edited in minutes
Common tools and generative AI produce bank statements that look legitimate. A visual check won’t catch an inflated deposit if the format looks right.
Review slows down good customers
Every file waits in line while your analyst reconciles transactions by hand. A strong applicant doesn’t wait: they compare options and go elsewhere.
Generic AI leaves no evidence
A model that only looks at the document can be wrong without saying why. Risk and compliance need to know which rule fired and on what data.
- 01A balance can be edited in minutes
- 02Review slows down good customers
- 03Generic AI leaves no evidence
What your operation gains
Request a document, don’t reject
If a proof of address has expired, the engine asks only for a recent one instead of killing the application. You protect conversion of viable customers.
Stop tampered documents
Balances that don’t reconcile, dates outside the period or editing signals trigger an alert before origination, not after the first missed payment.
Your desk reviews only doubtful cases
Clean files move on their own; the analyst gets doubtful ones with evidence organized and the reason in plain language.
Decision and channel in one place
The verdict lives inside Finvero origination and its multi-lender network: not one more input your team has to integrate.
Comparison by category
| File forensics | Platforms for US lenders | Finvero | |
|---|---|---|---|
| Detects file editing | Yes | Yes | Yes |
| Reads and reconciles figures | No | Yes | Yes, to the last peso |
| Mexican bank formats | Not applicable | US focus | Yes |
| Connected to origination and lenders | No | No | Yes |
| Pricing model | Per document | Annual contract | Per document |
Who uses it
Auto
Validate applicant income with reconciled bank statements before handing over the vehicle.
SOFOM · SOFIPO · SOCAP
Automate your review desk without losing the evidence your risk committee requires.
Consumer and payroll
Confirm recurring deposits and balances without an analyst re-keying transactions.
Retail and merchant lending
Check the validity and consistency of the proof of address at the point of sale.
SMB
Read articles and powers of attorney: partners, capital and whether the representative can sign the loan.
By role
“I don’t know how many edited bank statements have already gone through my desk.”
Chief Risk Officer“My team reconciles transactions by hand and the queue never shrinks.”
Review desk lead“I need to know what the API returns and where the documents live.”
CTO“I lose viable applications over an expired proof of address.”
Chief Commercial OfficerWhat your vendor questionnaire will ask
Consent and LFPDPPP
Every document is processed with the applicant’s express consent and in line with Mexico’s LFPDPPP, including ARCO rights.
Traceability per file
We record which rule fired, which signal supported it and which policy version applied to each decision.
Encryption and role-based access
Encryption in transit and at rest, role-based access control and an operations log.
Your data doesn’t train models
Your applicants’ documents are not used to train third-party models.
Auditable decisions
Every verdict can be reconstructed: document, checks, findings and reason, ready for your internal review.