Edited payslips and statements
Changed salaries, balances and dates are found pixel by pixel, including cloned digits and pasted lines.
Loan fraud detection for every application.
Docklands AI is loan fraud detection for lenders. It checks the payslips, bank statements and supplier invoices behind loan and asset-finance applications for AI generation, edits and fake employers.
app.docklands.ai/applications/APP-2209
PAYSLIP · SEPNet pay 2,410.00
HARBOUR BANK · STATEMENTAccount ••4471 · September
01/09 Opening balance4,912.40
03/09 Rent-1,450.00
15/09 Salary · NORTHWIND+3,850.00Not on payslip
22/09 Card spend-612.15
Closing balance12,480.00Cloned digits
88Application risk3 documents
- EEdited closing balancepixels
- ≠Statement vs payslip+1,440
- !Employer not tradingcheck 187
Every document an application rests on.
Bank statements
Balances, transactions and dates, checked for edits at the pixel level.
Payslips
Salary, employer and dates, checked for edits and for employers that do not exist.
Supplier invoices
The invoices behind asset-finance deals, checked for AI generation and with 200+ invoice checks.
Supporting documents
PDFs and phone photos alike, one file or a hundred per application.
What loan fraud detection has to catch.
Applications are only as good as the documents behind them. These are the patterns we see most.
AI-generated supplier invoices
Invoices behind asset-finance deals can be generated in seconds. Our own models detect the fingerprint image generators leave.
Employers with no real business
Addresses, company numbers and phone numbers are checked, so an employer that does not trade anywhere is flagged.
Applicants sharing devices or bank accounts
Applications that share a bank account, phone or capture device are linked, exposing networks across applications.
From one document to a decision. In seconds, not days.
Every file goes through the same four stages. Your team only sees what needs a human.
Ingest
API, email forwarding or upload. Receipts, invoices, PDFs, phone photos: one file or a hundred.
Inspect
Custom models for AI fakes, tampering and edits, plus 200+ checks on every invoice.
Cross-reference
A holistic review compares every file on the claim and clears flags the full picture explains.
Decide
A risk score with evidence pinned to each document, sent to your system or inbox.
Why metadata checks miss application fraud.
- A re-saved or screenshotted bank statement has clean metadata. The edit is in the pixels.
- Docklands AI inspects each document image for AI generation, manual tampering and digital edits.
- 200+ checks run on invoices: bank details, VAT numbers, dates, addresses and whether the business exists.
- Documents on the same application are cross-referenced, so mismatches between them surface.
What the metadata says
- DeviceiPhone camera
- Created14/09/2026 18:02
- Edited withnone
- VerdictLooks clean
What the pixels say
- Generator fingerprint0.97
- Total re-written0.91
- Cloned digits2 regions
- VerdictHigh risk
See what Docklands AI finds in your own documents.
Your first 1,000 documents are checked free.
Bank statement fraud detection
A bank statement is one of the easiest documents to change and one of the most important in an application. A balance nudged up, a salary credit added, a returned payment removed: each can be done in minutes, and none of it shows in the file metadata once the statement has been re-saved or photographed.
Docklands AI looks at the statement image itself. Cloned digits, pasted lines and inconsistent print are found at the pixel level, and the statement is compared with the payslips and other documents on the same application, so a salary that appears on one and not the other surfaces as a finding.
Loan fraud prevention before funds are released
Loan fraud is cheapest to stop before the money moves. Docklands AI returns a verdict in a median of 43 seconds, so documents can be checked while the application is still in underwriting rather than after funds have been released.
Because applications that share a bank account, phone or capture device are linked, one confirmed case can expose others that have not been paid out yet. Reviewers get the evidence located on each document, ready for the file.
Security
Built for claims data.
Your documents stay protected, auditable and where you need them.
Multi-factor login
MFA with backup codes, trusted devices and guided recovery.
US or EU data residency
Choose where your documents are processed and stored.
Full encryption
Every document and every finding is encrypted.
Custom data retention
Keep documents as long as your policy requires, and no longer.
SOC 2 Type I
Independently audited security controls.
ISO 27001
Certified information security management.
FAQ
Loan fraud detection questions.
How do lenders detect fake bank statements?
Modern systems analyze the document image pixel by pixel to find cloned digits, pasted lines and inconsistent fonts that signal digital edits. They also cross-reference statements with payslips and invoices on the same application to spot mismatches metadata analysis misses.
What is loan fraud prevention software?
Loan fraud prevention software checks the payslips, bank statements and invoices behind applications for AI generation, edits and fake information before funds are released. It returns findings while applications are still in underwriting rather than after payouts.
Which documents does Docklands AI check for lenders?
Payslips, bank statements and supplier invoices submitted with loan and asset-finance applications, as PDFs or phone photos.
Can it spot an edited bank statement?
Yes. It looks for digital edits such as cloned digits and pasted lines in the document image itself, which metadata checks cannot see.
How does it fit into our application process?
Send documents by REST API, email, SharePoint or Google Drive. Results go back to your system or inbox with the evidence located on each document.
Does it replace manual review?
No. It flags what needs a human, with the evidence attached, so reviewers spend their time on the applications that matter.
Still have a question? Ask us on a call. Book a call
Send us the application you don't trust.
We'll show you which documents have been faked or changed, and which other applications they're connected to.