Document Fraud Costs More Than You Think
Bank statement fraud alone accounts for 59% of all fraudulent documents in lending. One approved loan based on an edited PDF costs more than a year of fraud prevention tooling. The question is not whether document fraud happens — it is whether your team catches it before it does.
The Cost of a Single Missed Fraud
A modified bank statement inflates income by 10x. A forged invoice redirects payment to a fraudster’s account. A tampered contract changes terms after signing. Each incident averages $127,000 in direct losses — before legal costs, operational overhead, and reputational damage.
Our data shows that 46.6% of PDFs submitted through fraud detection workflows have been modified at some point. For lending and fintech teams processing hundreds of documents per month, the exposure is not theoretical.
Compliance Gaps That Auditors Flag
In regulated industries, document integrity controls are not optional. Compliance audits in lending, insurance, and financial services increasingly flag the absence of structural PDF tamper detection as a gap — separate from KYC and identity checks.
Adding a structural integrity layer to your document intake workflow closes this gap with a single API call and produces an audit trail for every document reviewed.
Credential Fraud in Hiring and Onboarding
Diploma fraud and salary slip manipulation are endemic in hiring workflows. Structural PDF analysis catches edited academic certificates and altered offer letters that pass visual review — without requiring access to an original document or issuing institution database.
HR operations and staffing platforms use the same API endpoint to check credentials at scale during pre-employment screening.
Bank Statements: The Highest-Risk Document Type
59% of fraudulent documents in alternative lending are bank statements. They are edited after export from banking apps — balances inflated, overdraft history removed, transaction dates shifted. The edits are invisible to visual review and pass KYC template checks.
Structural PDF forensics detects the modification at the file level: multiple xref tables, incremental update chains, producer field inconsistencies. The verdict is returned in under 10 seconds.
Contract Integrity After Signing
Post-signature contract modification is the only fraud scenario where HTPBE? returns a “certain” confidence verdict — not “high”, but “certain”. The forensic evidence is unambiguous: a digital signature exists, and the document was modified after it was applied.
Legal and compliance teams use this check to check that contracts returned by counterparties match the signed version — and to produce defensible evidence if a dispute arises.
Add the structural layer your KYC stack is missing.
One API call per document. Results in under 3 seconds. Works alongside Plaid, Persona, and Alloy — not instead of them.
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