Smarter, Configurable, Seamless AI Fraud Detection

Boost your lending confidence with Zest Protect

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Protect against more application fraud with powerful AI detection

Reduce loss with more accurate, confident lending decisions

Identify more origination fraud using more data and proven, industry-leading AI. By tapping into thousands of data points and using custom models, lenders can get:

Precise risk scores across all fraud types
Detection that is updated to capture the latest fraud patterns and trends
Analysis of portfolio impact

Get more control and visibility of your risk

With granular risk ranking, you have more control over your risk tolerance and automation goals. Set and adjust specific thresholds across all fraud detection types to achieve measurable loss reduction. Lenders will have more visibility and control with:

100% customizable detection and capture within the decisioning process
Key driver reason codes for detected fraudulent applications

Seamlessly automate detection with decisioning for frictionless lending

Unify your underwriting and decisioning process with fraud detection into one seamless flow with your LOS. Instantly decision with confidence and maintain a five-star borrower experience. When lenders have a connected solution, they can:

Maintain automated decisioning rates
Ensure all applicants are scanned for fraud consistently without additional time or resources

Uncover all application fraud in one streamlined solution

First party fraud

Third party fraud

Misreported
income

Compromised
identity

Learn more about AI insights

Holistic detection optimized to your population and emerging fraud trends

Compromised Identity

Protect your customers and your lending business from identity theft. With comprehensive checks against applicant PII, analysis across various identity elements, and consortium data, ensure your borrowers are who they say they are.

Fraud Behavior

Detect malicious intent such as bust out, straight roller, and other first-party fraud with proven accuracy. Also catch synthetic and other third-party behavioral fraud to effectively capture early delinquencies before they happen.

Income Discrepancy

Know you are lending responsibility based on accurate income data. Get insights into meaningful differences in reported income versus actual across regions, professions, employment information, and more.

“Capturing application fraud, especially more sophisticated AI-powered fraud, without compromising the member experience is a top priority for us. The insights, accuracy and end-to-end automation we have experienced with Zest AI technology has transformed our lending business. We’re excited to bring that same level of innovation and intellectual rigor to fraud prevention with Zest Protect.”

Justin Ganaden, Executive Vice President, Gather Federal Credit Union