# Fraud Manager

*For Servicers · Fraud in the documents servicing receives, from hardship to payoff*

> An AI fraud desk for mortgage servicing: hardship packages, insurance renewals, recorded deeds and payoff requests tested for fabrication, cited to the page.

Tests the documents that reach servicing — hardship packages, insurance renewals, recorded deeds, payoff and wire requests — for fabrication and misrepresentation, each finding cited to the page.

**Replaces** — The fabricated hardship package evaluated as genuine, and the payoff wired to instructions nobody checked.

**Unlocks** — A workout decided on documents that are what they claim to be, and a payoff that lands in the right account.

## What the Fraud Manager does

- Tests every loss mitigation package with the same forensics origination uses — paystub withholding that does not match the wages, bank statements that do not foot, a file edited after it was issued
- Reads each insurance renewal and flags a landlord or rental-dwelling policy on a loan closed as a primary residence
- Reads deeds and recorded documents that arrive on the loan, and flags a transfer to a third party or a new LLC while the loan is delinquent
- Checks every payoff request and change of wire instructions against the parties and contacts already on the loan before a figure or an account is accepted
- Compares the photos on a hazard claim or loss draft with the ones already in the file

The servicing schemes it targets: /blog/guides/mortgage-fraud#servicing

## Where it stops

It flags and evidences; it does not deny a workout, hold a payoff or raise a suspicion with the borrower. Each finding reaches your fraud or loss mitigation team with the pages behind it, and whether to file a SAR stays with your BSA officer.

## No published study yet

Bring us a loss mitigation package you had doubts about and a month of insurance renewals. You will see which documents fail a forgery test, which renewals carry a rental policy on an owner-occupied loan, and the page behind each.

## What it runs on

- /platform/document-intelligence

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