The loss already booked as a credit loss.

The problem

Your onboarding checks run at the door, and they are reasonably good at that job. Nothing in your stack looks backward at the accounts that already got through, because from any single angle each one looks like an ordinary customer who fell on hard times.

The pattern is only visible across the population and across time, which is exactly the view your core already holds and nothing currently reads.

Institutions also run the review on a portfolio they are about to acquire.

How DoubleCheck applies

Your team exports 36 months of de-identified history for the loan portfolio plus the known charge-off file. The engine replays each account point-in-time across five signal families, Provenance, Coherence, Ramp, Inflection and Ring, and the charge-off file is held back to measure what the signals caught and what they missed.

It runs on your machine and makes zero network calls.

What you receive

• A findings memo. Pass, review, or fail on each account, with the reason codes that produced it.
• The backtest against your own charge-offs. Reported as measured, including when it is weak.
• A findings CSV and a run log, so your analysts can work the list and your IT can see what the run did.

Within 30 days of kickoff, which is the pilot and not the length of the run. The review is free and you keep the findings regardless of what you decide next.

What this costs you. One afternoon of IT time to produce and validate the extract, and an analyst's afternoon to walk the accounts that come back. If the review finds little, that is the result and the memo says so.