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
FraudShield+
Catch 93% More Fraud Than Your Current Solution
Traditional fraud tools only catch the obvious. FraudShield+ uses anomaly detection and a 500 Million + application network to uncover synthetic IDs, credit washing, bot attacks, and more - fraud that slips past traditional tools. Stop fraud rings before funding and keep good members moving forward.
Trusted by forward thinking credit unions
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.
93%
More fraud caught than existing systems
500M +
Applications in our fraud intelligence network
60%
Lower data costs with smart orchestration
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.
✗ 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
FraudShield+ reveals hidden patterns and the bigger picture.
Fraud rings operate across multiple credit unions, fintechs, and banks. But your fraud detection system only sees your own portfolio.
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
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.
LOS integration
Third-party partners
Decision engine ready
1.
Application in LOS
Member applies
2.
Analyze with FraudShield+
Behavioral & anomaly checks
3.
Orchestrate data
Call data partners only when needed
4.
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