80-90%
False positive reduction
500M+
Applications in our fraud intelligence network
90-95%
Thin file approvals with context
60%
Lower data costs with smart orchestration
FraudShield+
Trusted by forward thinking credit unions
FourLeaf Federal
Credit Union
4Front Credit Union
Arkansas Federal
Credit Union
Credit Union of Colorado
Altura Credit Union
Communication
Credit Union
ELGA Credit Union
Patriot Federal
Credit Union
Rize Credit Union
Financial Center First
Credit Union
University of Hawaii Federal Credit Union
Communitywide FCU
PFCU Credit Union
University of Illinois Community CU
CU of Georgia
CPM Federal
Credit Union
Alliance Catholic
Federal Credit Union
Resource One
Credit Union
On Tap Credit Union
Northern Credit Union
Northern Hills FCU
People Driven
Credit Union
Great NorthWest FCU
Members Choice
Credit Union
Skyward Credit Union
Strata Credit Union
Endurance Federal
Credit Union
R-G FCU
Heritage Financial
Credit Union
+ Many more
With FraudShield by Scienaptic AI, we’re proactively identifying threats and maintaining a seamless experience for our members.
SVP of Consumer Lending
Patriot Federal Credit Union
By leveraging FraudShield by Scienaptic AI, we can approve genuine members with confidence, while proactively identifying fraud before it enters our system.
CEO
CommunityWide Federal Credit Union
Scienaptic AI gives us the ability to identify suspicious activity more precisely, while keeping the experience simple and seamless for our legitimate members.
CEO and President
Endurance Federal Credit Union
Fraud looks perfect. Members don’t.
We know the difference.
Synthetic Identity Detection
Uncovers fabricated identities hidden in clean applications
Income Reality Check
Flags high earners with no digital footprint or lifestyle evidence
Credit Mule Busting
Identifies coordinated applications across your institution and others
Velocity Analysis
Catches applications across multiple states within suspicious timeframes
Bot Detection
Identifies non-human application completion patterns
Bureau Gaming
Spots credit washing and rapid tradeline manipulation
AI-backed and fraud-ready
FraudShield+ doesn't just check if an ID is real. It asks: "Does this whole application make sense?" Real people have messy credit histories, address changes, and normal inconsistencies. Fraudsters create perfect profiles.
Block fraud.
Not good members.
Anomaly led. Orchestration smart. FraudShield+ learns what good looks like, flags what does not, and pulls heavy data only when it adds real lift. Faster approvals for real members, tougher stops for bad actors.
Michael
Fraudster
-
Perfect credit score
-
$150k income claimed
-
No property records
-
No investment accounts
-
Zero lifestyle indicators
Sarah
Real Member
-
Moved twice in 5 years
-
Has investment accounts
-
Owns property
-
Some late payments in 2020
-
Income matches lifestyle
Block fraud.
Not good members.
Anomaly led. Orchestration smart. FraudShield+ learns what good looks like, flags what does not, and pulls heavy data only when it adds real lift. Faster approvals for real members, tougher stops for bad actors.
FraudShield+
reveals hidden patterns and the bigger picture.
Cross-Institution Patterns
Spot when the same fraudster applies at multiple credit unions
Device Fingerprinting
Track shared devices, IP addresses, and application patterns
Ring Coordination
Identify groups applying together with slight variations
Early Warning System
Get alerts when fraud trends emerge across the network
500M+
Applications analyzed across credit unions, banks, and fintechs to build the most comprehensive fraud intelligence network
FraudShield+ reveals hidden patterns and the bigger picture.
Cross-Institution Patterns
Spot when the same fraudster applies at multiple credit unions
Device Fingerprinting
Track shared devices, IP addresses, and application patterns
Ring Coordination
Identify groups applying together with slight variations
Early Warning System
Get alerts when fraud trends emerge across the network
500M+
Applications analyzed across credit unions, banks, and fintechs to build the most comprehensive fraud intelligence network
Give real members a frictionless experience
Speed up honest members and slow down fraud. Reason codes give your team clarity and confidence during review.
Clear reason codes for fast investigations
90-95% thin file approvals with context
Address change handling without friction
80-90% false positive reduction
Clear
reason
codes for fast investigations
90-95%
thin file approvals
with context
Address change handling without friction
80-90%
false
positive reduction
Give real members a frictionless experience
Speed up honest members and slow down fraud. Reason codes give your team clarity and confidence during review.
80-90% false positive reduction
90-95% thin file approvals with context
Address change handling without friction
Clear reason codes for fast investigations
LOS integration | Third-party partners | Decision engine ready
Right data. Right time. Lower cost.
Pull bureau and third-party data only when it adds lift. Keep speed for good members. Add friction for bad actors.
01
Application in LOS
Member applies
02
Analyze with FraudShield+
Behavioral & anomaly checks
03
Orchestrate data
Call data partners only when needed
04
Decision & reasons
Approve, decline or refer with clear codes
Scienaptic’s anomaly led fraud layer that finds risky patterns early, lowers data spend, and protects good members while stopping fraud before funding.
It learns normal versus anomalous behavior across hundreds of signals, so fewer good members get flagged and more true fraud is intercepted early.
Yes. It returns fraud signals and reason codes to your LOS or decision engine through modern APIs for a seamless flow.
Application, bureau, cashflow, and third party signals — pulled on demand via smart orchestration.
Questions, answered.
See FraudShield+ in action
Get a custom walkthrough for your LOS and portfolio. We will show how orchestration lowers cost and raises catch rate without adding friction.
API first | Fast implementation | Built for compliance
Six capabilities, one call.
Fraud, underwriting, pricing, offers, monitoring and compliance run inside a single decisioning call on your existing stack.
Fraud & identity
FraudShield catches what traditional systems miss.
Synthetic identities, bot attacks, bust-out, credit washing, first-party fraud. All flagged inside the same decisioning call, before the application ever touches underwriting.
93% of fraud caught that legacy systems let through
Underwriting
Decisions trained on 500M lending records.
Scorecards built on each client's own book, augmented by 3,000+ signals across bureau, banking, and alternative data. 12x more risk differentiation than bureau scores alone.
25%+ more approvals at the same risk threshold
LendSmart pricing
Deal-level vehicle pricing, in real time.
The pricing engine credit unions use to win at the dealership. Member-level, deal-level, risk-based pricing for direct and indirect auto, calibrated to each portfolio's yield targets.
4Front CU: $21M incremental vehicle loans
Perpetual offers
Right offer, right member, right moment.
Lifecycle pre-qualified offers that move with the member: card line increases, refinance, HELOC, auto. Continuously refreshed against current bureau and behavior data.
1.7M underserved applicants approved monthly
Early warning
See delinquency before it shows up.
Portfolio monitoring that flags risk shifts at the member, segment, and book level. Models retrain on your performance data so the warnings stay calibrated to your reality.
Continuous retraining on portfolio performance
Compliance engine
Exam-ready by design.
Disparate impact analysis on every model attribute. Member-friendly adverse action reasons. Full robustness and limitations documentation. The work an examiner asks for, ready on day one.
100% NCUA audit pass rate among clients
01. Fraud & identity
02. Underwriting
03. LendSmart pricing
04. Perpetual offers
05. Early warning
06. Compliance engine
FraudShield catches what traditional systems miss.
Synthetic identities, bot attacks, bust-out, credit washing, first-party fraud. All flagged inside the same decisioning call, before the application ever touches underwriting.
93% of fraud caught that legacy systems let through
Decisions trained on 500M lending records.
Scorecards built on each client's own book, augmented by 3,000+ signals across bureau, banking, and alternative data. 12x more risk differentiation than bureau scores alone.
25%+ more approvals at the same risk threshold
Deal-level vehicle pricing, in real time.
The pricing engine credit unions use to win at the dealership. Member-level, deal-level, risk-based pricing for direct and indirect auto, calibrated to each portfolio's yield targets.
4Front CU: $21M incremental vehicle loans
Right offer, right member, right moment.
Lifecycle pre-qualified offers that move with the member: card line increases, refinance, HELOC, auto. Continuously refreshed against current bureau and behavior data.
1.7M underserved applicants approved monthly
See delinquency before it shows up.
Portfolio monitoring that flags risk shifts at the member, segment, and book level. Models retrain on your performance data so the warnings stay calibrated to your reality.
Continuous retraining on portfolio performance
Exam-ready by design.
Disparate impact analysis on every model attribute. Member-friendly adverse action reasons. Full robustness and limitations documentation. The work an examiner asks for, ready on day one.