# Fraud Agent

*For Lenders · Every document tested for fabrication before the loan funds*

> An AI mortgage fraud desk that tests every document for fabrication and every figure for misrepresentation before funding, each finding cited to the page.

Tests every document in the file for fabrication and alteration, and every figure for misrepresentation, before the loan funds — each finding cited to the page.

**Replaces** — Manual checks that still can't catch fabricated documents, and the forged statement a post-close audit finds.

**Unlocks** — Fraud caught at intake, while it is still a condition, with citations to the page that proves it for human review.

## What the Fraud Agent does

- Reads every page, duplicate copies and borrower uploads included, and compares them — so the one altered copy of a statement is set beside the genuine ones
- Rebuilds the arithmetic a forger gets wrong: statements that do not foot or chain from one month into the next, Social Security and Medicare withholding that does not match the wages, year-to-date pay that does not follow the pay cadence
- Inspects the file behind the page — revision history, the software that last saved it, text hidden under a white box, a digit or signature copied pixel for pixel, the marks generative editing tools leave
- Ties the documents to each other: stated occupancy against the insurance policy form and any rental listing, income against deposits, the contract against the Closing Disclosure and money from an interested party
- Reconciles the third-party reports already in the file — the AVM, the verifications, the credit and fraud reports — against what the documents say

The fraud it targets, category by category: /blog/guides/mortgage-fraud

## Where it stops

It finds and evidences; it does not accuse. Every finding reaches your underwriter or fraud team as a fail or a review, with the pages behind it and the rule it breaks. It never declines a loan or raises a suspicion with the borrower, and whether to file a SAR stays with your BSA officer.

## No published study yet

Send us a file that later turned out to be fraudulent, and one you believe is clean. You will see what the desk raises on each before funding, the page behind every finding, and what it passes.

## What it runs on

- /platform/document-intelligence

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_Source: [https://www.seiright.com/for-lenders/fraud-agent](https://www.seiright.com/for-lenders/fraud-agent) · Sei AI_