AI Fraud Detection
AI Fraud Detection runs 44 checks over every deal, automatically, whenever a document is read, bank data arrives through open banking, the application is completed or a field is corrected. The checks are deterministic. Names, dates of birth and addresses are compared across ID documents, payslips, bank data and typed answers. Payslip arithmetic and year-to-date figures are recalculated. Employer ABNs are looked up live on the Australian Business Register, and statement BSBs are checked against the BSB directory. Every uploaded file is fingerprinted, so an edited PDF or a document already used on another application is caught. Findings are graded critical, warning or info, and AI writes a plain-English summary of what needs confirming, with a suggested question for the client and a file note. It never labels anyone a fraudster. It shows what was observed and what would settle it.
Payslip maths
Net pay recalculated, year-to-date totals checked for progression, pay periods checked for gaps and repeats, and super checked against the guarantee rate.Live ABN and BSB lookups
Employer ABN validated and checked on the Australian Business Register for status, name, entity type and registration date. Statement BSBs checked against the BSB directory.Income against bank data
Each payslip matched to a salary credit in the open banking data, with amount, payer and length of the salary stream compared.Conduct and funds
Buy now pay later use, recurring payments to undisclosed credit providers, dishonour fees, days in negative, gambling spend and large unexplained deposits flagged from open banking data.File integrity
Every upload is hashed and its metadata read: PDF editors as producer, modified-before-created dates, repeated saves, stripped metadata, and the same file content turning up on another application.AI summary, no accusations
A plain-English summary with a recommendation (proceed, confirm with the applicant or obtain source documents), the question to ask and a ready-made file note. The word fraud never appears in a finding.Resolve with an audit trail
Mark a finding as explained by the applicant, not a real issue, or replaced with a new document. Critical findings notify the deal's assignee and can trigger automations.
What happens on a live deal
A client finishes onboarding through the portal. Within a couple of minutes the checks have run against the driver licence, the payslips and the connected bank data, and the deal picks up a red strip: two checks need attention before the application proceeds. The date of birth on the licence does not match the one typed in the application, and the back of the licence has identical file content to a document on another application. The AI summary explains both in plain English, recommends obtaining source documents and drafts the question to ask. You send it, the client uploads a fresh scan, the checks rerun and the strip clears.
- Runs automatically when documents are read, bank data arrives, onboarding completes or a field is corrected, or rerun with one click
- Red strip on the deal and a badge on the AI tab for critical findings, plus a badge on each affected document
- Sidebar summary of what needs attention, what passed and what could not run
- Ask Lend1 AI what needs confirming on any deal
- Checks pause on won and lost deals, and existing findings are kept
Included on every plan
AI Fraud Detection is included on Starter, Pro and Enterprise. The 44 checks and the file fingerprinting are deterministic code and use no AI credits at all. Only the plain-English summary draws on your monthly credits, and it is treated as a core feature, so it keeps running even if your allowance is used up. Admins switch the checks on or off for the firm in Settings, with a separate switch for the AI summary. Two permissions control who can see findings and who can resolve them, so a compliance role can review every deal without editing rights.
- Included on Starter, Pro and Enterprise
- Checks use no AI credits, only the summary is metered
- Firm-wide on and off switch, plus a separate switch for the AI summary
- View and Resolve permissions, included in the default Broker and Support roles
- Runs onshore on AWS in Sydney, like the rest of Lend1 AI
- Document Management & eSignCollect, validate, sign and organise client documents in one place. AI reads and categorises uploads, and built-in eSign handles Credit Guides, Privacy Forms and more, with no third-party tools.
- Open BankingCollect verified bank statements straight from your client's bank through Fiskil, on Australia's Consumer Data Right rails. No PDFs, no screenshots, just secure transaction data and income verification built into onboarding.
- AI Doc RenamerAI reads every document your client uploads, identifies what it is, and renames the file to your brokerage's naming convention. Files land in the right folder, ready for submission.
- AI-Powered IntelligenceAsk Lend1 AI from any screen. It knows the deal you have open, sends onboarding links, writes notes and tasks, chases documents and answers in plain English.
Lend1 AIBuilt-in AI that reads documents, scores leads and follows up clients, with data that never leaves Australia.
FiskilReal-time bank data and verified statements through true open banking on Australia's Consumer Data Right.
ASIC ABN VerificationVerify ABNs, company details and director records against the ASIC register in seconds.
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