The fraud on your books is filed under credit losses.
A synthetic identity cultivates for years, then walks away from the credit. The loss lands in the charge-off column and no one is assigned to ask whether the member was ever real. Delegate exists to answer that question.
DoubleCheck is Delegate's first product: a retrospective review that runs on your own core banking history, on premises.
DoubleCheck, in thirty-four seconds.
The cultivation lifecycle, and where a review looks. On premises, with an output of pass, review, or fail plus reason codes.
A thirty-four-second overview. No account data is shown.
A synthetic never bounces a payment. That is the trap.
It opens an account and behaves. It funds, spends a little, pays on time, builds a file. Then it runs the credit up and disappears. The loss is booked as an ordinary charge-off, so it never gets investigated as fraud. The patient ones stay invisible for years, which is exactly the window in which they are cheapest to catch.
Filed as a credit loss
The bust-out is booked as a charge-off next to real defaults. Nobody reopens it to ask if the member existed.
A signup check cannot see it
The identity passed at onboarding. The fraud lives in the months of behavior after, not the minute of signup.
Consortium tools optimize for scale
The big bureaus work across institutions. Your own multi-year history is the signal they never look at.
What a cultivating synthetic does, and how each signal reads it.
Every signal is judged against the account's own history, not a population average. Each is explainable in a sentence, and each fire is dated to the day it became visible.
No real economic origin
The opening window shows no payroll-pattern income and funding from very few sources, or credit-seeking within days of opening. Real members arrive with provenance. Synthetics arrive thin and reach for credit fast.
Spending with no real life in it
Real spending is messy and recurring: many categories, merchants that repeat, amounts that are rarely round. Thin, optimized, round-dollar activity reads as staged.
Appetite outrunning provenance
Credit exposure sought climbs far faster than genuine inflows, after money that cycles straight back out is removed. The appetite outpaces any real economic base.
The strike
A sharp regime break on a credit line, measured against the account's own prior pattern. Utilization jumps to the limit and cash-equivalent use spikes. The bust-out has begun.
They rarely work alone
A member graph built from shared funding and payee counterparties and clustered openings. When several members of a cluster also show cultivation signals, the cluster is flagged together.
You send a scoped extract. It runs on your machine. You receive a memo.
A de-identified extract
One extraction script runs against your core export. It hashes member, account, and counterparty IDs with a salt that stays with you, and passes through only whitelisted columns. No names. No SSNs. No SAR material.
On premises, on your machine
The engine runs inside your environment. It reads the extract, replays the histories point-in-time, and writes the memo locally. Only the findings memo ever leaves.
A findings memo
A plain PDF. Accounts named pass, review, or fail, with reason codes and the first date each signal fired. A methodology appendix, and a backtest of the signals against your own known charge-offs.
It replaces nothing you already run.
DoubleCheck is a retrospective layer, not a rip-and-replace. Keep your onboarding checks, your bureau, your alerts. This looks backward across your own history at the fraud those tools are not built to see, and it hands the finding to a human who decides.
It is
- A retrospective review of your own core banking history
- A disposition, pass, review, or fail, with reason codes
- Additive to onboarding, bureau, and alert tooling
- A backtest you can check against your own known losses
It is not
- Not a consumer report, and not a consumer reporting agency
- Not a credit score or any numeric rating. There are no scores
- Not a lending, credit, or eligibility decision. Your team decides
- Not a dollar-figure estimate. No output names an amount
Architected so your data never enters Delegate's custody.
The protection is in the data flow, not in a promise. The review runs where your data already lives, and the only thing that crosses the line is the memo you have read.
On premises, so only the memo exits. One-way SHA-256 hashing, with the salt held by you. A scoped pull of flagged and charged-off accounts only. PII and SAR material excluded by contract and blocked in the extraction script. Thirty-day destruction, verifiable by your own IT. Read the full security summary →
Browse the engine's output. Watch it run. Read the memo.
All three are built from simulated data we generated. They show the mechanics, not results from any real institution.
Portfolio Explorer
Browse the real engine's dispositions across 2,000 simulated accounts. Open any flagged account's signal timeline.
Explore the portfolio →Interactive demo
Step through 33 months of one simulated account and watch the signals fire before the bust-out.
Walk through it →Sample findings memo (PDF)
The deliverable: dispositions, reason codes, first-fire dates, and a methodology appendix. Watermarked as a sample.
Open the PDF →Request a review of your own book.
Tell us a little about your institution. The review is a retrospective audit on your real history, run on premises. You keep the findings regardless of what you decide next.