FraudWorks
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Use case · Lending

Review statements in a loan file in seconds

Find edited balances, statements re-saved in consumer PDF editors, and income documents that contradict themselves.

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  • Bank statements
  • Pay stubs
  • Tax forms

The problem

Why this needs checking

Edited bank statements are a common route to loan fraud, and the edits are made to survive a quick look. A balance that changed by one digit still breaks the math.

Example result · Bank statement with edited balance

Likely tampered

Closing balance does not add up. Edited with a consumer PDF editor.

chk_A34Y8C2S1ATVS7P99Y54HAZZZV · engine 1.0.0

Risk Score80/100
Document typeBank statement
Created withSejda PDF Desktop
Edited after creationFlagged: Yes
AI provenanceNot found
Math checksFlagged: Failed
Pages1
Page 1 of the document

What it looks for

The signals that matter here

math_running_balance_mismatchRunning balance does not add upA bank statement balance does not follow from the previous balance and the transaction.pdf_producer_mismatchPDF producer mismatchThe PDF says it was created by one system but last written by a consumer PDF editor.pdf_incremental_updatesSaved again after creationThe PDF contains later revisions that change content, not just signatures or validation data.pdf_font_inconsistencyInconsistent fontA value on the page uses a font or font embedding that appears nowhere else on the page.date_invalidInvalid dateA date is in the future, does not exist, disagrees with the printed weekday, or the period makes no sense.

How teams use it

Three steps, no integration

  1. 01Upload the statementThe PDF from the applicant, up to 10 pages.
  2. 02Check structure and mathEvery running balance is recomputed; the file's edit history is read.
  3. 03Escalate with evidenceShare the result with underwriting, findings marked on the page.

FraudWorks results are fraud risk signals for your own internal review. They are not consumer reports and should not be the only basis for denying housing, credit, employment, or insurance.

Check your first document in under a minute.

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