Relieving letter fraud

A relieving letter is the easiest document to forge – and the one HR trusts most

Built for fraud ops at lending, insurance & compliance teams

Onboarding teams use it to confirm the candidate left the previous employer cleanly. The candidate knows it. So when an exit was messy or a notice period was skipped, a quick edit in Word can rewrite history. Visual review passes. Structural analysis does not.

~3 sec
per document
63 checks
forensic layers
1,500+
docs / month on Growth
Plans
subscriptions or one-off packs – see pricing
Scope

HTPBE? analyzes the structural layer of the PDF file – the layer that records every edit, even invisible ones. We don’t inspect holograms, phone photos, or ID biometrics. If your fraud problem is a digitally fabricated or tampered relieving letter, we’re the most specific tool for it.

When HTPBE? returns INCONCLUSIVE on a relieving letter, that’s the expected baseline (these documents legitimately come from desktop tools at many employers); combine with other markers before flagging.

The problem

Modern document fraud is invisible to visual review

A growing class of document fraud opens a genuine PDF, edits a balance, a date, or a beneficiary, and re-saves it. Visually nothing changes – the document passes pixel-level review, layout review, and KYC.

Structural PDF analysis reads the layers rendering engines never expose: revision history, object structure, signature coverage maps. That is where edits leave fingerprints they cannot wipe.

Common tampering patterns

  • Modified balances or totals after export
  • Swapped IBAN or beneficiary on invoices
  • Post-signature edits on contracts
  • Backdated issue and modification dates
  • Fabricated documents from consumer PDF tools

What this looks like

How fake and tampered relieving letters actually look

Three real fraud mechanics we catch at the structural PDF layer.

01

Reason for separation rewritten

Candidate was terminated for cause but writes the letter as a voluntary resignation. Original document opened in Adobe Acrobat or an online editor; one paragraph replaced; re-export. HTPBE? flags the edit made after issuance.

02

Last working day backdated to skip the notice-period gap

There is a six-month gap between the real last working day and the next employer’s start date – the candidate was either out of work or working somewhere they can’t mention. The date on the relieving letter gets pushed forward. The visual page still looks signed and stamped; the file’s own dates tell a different story.

03

Letter authored from scratch when no real one exists

No relieving letter was issued – the candidate left badly or the previous employer refuses to issue one. The candidate writes one in Word, lifts the company logo from LinkedIn, signs HR Manager’s name, exports. The file does not come back INTACT, however closely it copies the letterhead; image-stream metadata exposes the lifted logo.

The scale

~1 in 8
job applicants misrepresent prior employment terms on background checks
$17K+
average cost to replace a fraudulent hire
~3 sec
per relieving letter via API

Why your existing checks miss this

BGV calls the employer. The employer does not always answer.

When BGV cannot complete, the candidate fills the gap with a letter. Read the file.

BGV platforms (AuthBridge, IDfy, OnGrid, Springworks) call the previous employer to confirm separation. Indian BGV employer-response rates routinely run 70–85% – meaning 15–30% of cases get filled with the candidate’s submitted documents alone. HTPBE? catches the file the candidate sent, regardless of whether the previous employer responds. Use both: BGV when reachable, HTPBE? always.

Results in under 3 seconds30 to 1,500+ documents/month

What HTPBE? checks

Detection capabilities

Deterministic structural signals. No probabilistic scores, no model training.

No clean bill for a typed-up letter

A relieving letter typed up in Word, Excel or LibreOffice and exported directly does not come back INTACT, however closely it copies the employer’s letterhead. With no sign of later editing it returns INCONCLUSIVE for manual review; with evidence of editing or fabrication, MODIFIED.

Post-issuance edit detection

Editing a relieving letter after issuance – in a PDF editor, or by rebuilding it in other software – leaves structural evidence behind. HTPBE? flags it as MODIFIED.

Pasted-element detection

HTPBE? detects logos, letterheads and signatures lifted from another document and pasted in.

Digital signature presence and chain validity

Many large employers digitally sign relieving letters. Editing a signed letter after signing, or stripping its signature, is among the things HTPBE? looks for in the file.

Dates that disagree

When the file’s own dates show it was changed long after it was issued, HTPBE? flags it – a high-confidence signal for backdated separations.

Reassembled letters

HTPBE? detects letters assembled from pages of different sources and letters reworked after their original creation.

Share with engineering

Wire this into your intake pipeline in under a day

Two API calls – one POST to submit the PDF, one GET to retrieve the verdict. Forward this page to your engineering team; the full API reference, quotas, and copy-paste examples in cURL, JavaScript, Python, PHP, Go, and Ruby are one click away.

Pricing

Self-serve plans, no sales call

All plans include the same forensic checks. Pick the quota that matches your monthly document volume.

manual

Starter

30 credits/mo

Manual spot-checks and integration testing

most common

Growth

350 credits/mo

Active document processing pipelines

high volume

Pro

1,500 credits/mo

High-volume automation and API integrations

Enterprise (unlimited, on-premise available) — see full pricing

API key on signup. Free test environment on every plan. No card required.

Customer Stories

Teams that stopped document fraud

Compliance, finance, and risk teams use HTPBE? to catch manipulated PDFs before they become costly mistakes.

Caught an invoice where the total had been changed by less than a thousand dollars. Without this I would have approved it without a second look.

Sarah M.

AP Manager

United States

We had three applicants in the same week with bank statements that looked completely fine. Two of them were flagged as modified. You simply cannot see this by reading the document — it is in the file structure.

Lars V.

Risk Analyst, Online Lending

Netherlands

Salary slips were coming with altered figures. We identified two problematic files before the placement was finalised.

Priya K.

HR Operations Lead

India

Since we started checking documents this way, we stopped two applications early in the process that would have been very difficult to reverse later.

Julien R.

Fraud Analyst, Fintech

France

Some applicants were sending PDFs that looked authentic but had been edited in ways not visible to the eye. We now ask for checked originals when something is flagged. Already saved us from a few bad decisions.

Marta S.

Compliance Coordinator

Spain

One invoice was caught because there was a mismatch between the document dates and structure. That particular case would have cost us significantly.

Tariq A.

Finance Manager

United Arab Emirates

FAQ

Frequently asked questions

How is this different from BGV employer checks?

BGV calls the previous employer to confirm separation terms. HTPBE? inspects the relieving letter PDF the candidate uploaded. They are complementary – and HTPBE? works even when BGV cannot reach the previous employer (which fails 15–30% of the time in Indian BGV operations).

Can it catch backdated relieving letters?

Yes. A date edit leaves structural evidence in the file, regardless of how clean the visual layout looks. The verdict will be modified, with named markers for the edit and for the dates that disagree.

What if the previous employer used Microsoft Word for the original letter?

A letter written in Word is not a verdict on its own – HTPBE? combines the file’s origin with other evidence in the file, such as signature state and recorded dates. Small employers using Word legitimately typically return inconclusive, prompting a manual check with the employer rather than an automatic reject.

Does the API need a reference original to compare against?

No. HTPBE? performs standalone forensic analysis on the PDF the candidate uploaded – the structural signals of editing live inside the file itself. No reference copy required, no third-party database.

What does an INCONCLUSIVE verdict mean for a relieving letter?

INCONCLUSIVE means HTPBE? cannot confirm the file as intact – usually because of the kind of source it came from, occasionally because the analysis could not finish; status_reason says which. For a relieving letter, INCONCLUSIVE is the expected baseline for this document type rather than an automatic fraud signal. INCONCLUSIVE alone is a prompt for a manual check with the employer, not an automatic reject.

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