Use Case · Banking
Bank Statement & Document Fraud Detection for Banks
Hesper AI detects tampered bank statements, forged payslips, and manipulated income documents in under 80ms — protecting your lending, KYC, and onboarding flows before a fraudulent application reaches your underwriting team.
The problem with manual document review in banking
Banks and lenders still rely on human reviewers to validate bank statements and payslips in loan origination and KYC workflows. A trained reviewer takes 4–8 minutes per document and still misses pixel-level edits, AI-generated fakes, and sophisticated multi-document fraud. Hesper AI runs the same analysis in milliseconds — and catches what human eyes cannot see.
What Hesper AI checks in banking documents
Every analysis covers the full range of document fraud techniques used in banking — from simple Photoshop edits to sophisticated AI-generated fabrications.
Bank statement tampering
Detects pixel-level edits to balances, transaction amounts, dates, and account numbers. Catches both manual edits and AI-generated statement fabrications.
Payslip forgery
Identifies manipulated employer details, altered salary figures, inconsistent font rendering, and payslips generated from online templates rather than legitimate payroll systems.
Income manipulation
Cross-references income claims across multiple documents, flagging inconsistencies between declared salary, transaction patterns, and tax figures.
Metadata and provenance analysis
Examines document metadata, creation software signatures, and digital provenance — revealing documents generated by AI tools or editing software.
Company and employer verification
LLM-based analysis checks employer name consistency, company registration patterns, and letterhead authenticity against known templates.
Multi-document consistency
When multiple documents are submitted together, Hesper AI checks cross-document consistency — catching applicants who fabricate documents independently.
Integrate with your lending or KYC platform
Hesper AI slots into your existing document intake flow with one API call. No changes to your underwriting system, loan origination platform, or KYC workflow required.
Document received at intake
Bank statement, payslip, tax return, or proof of income uploaded by applicant or relationship manager.
POST to /v1/analyze
Your application sends the document to Hesper AI before storing it or passing it to your underwriting system. Response arrives in under 80ms.
Fraud verdict and risk score
Hesper AI returns a risk classification (clean / suspicious / high-risk), a probability score, and the specific anomalies detected.
Route to appropriate workflow
High-risk documents go to fraud review. Suspicious documents get flagged for enhanced due diligence. Clean documents continue to your normal underwriting flow.
Performance built for banking requirements
Stop document fraud before it reaches your underwriting team
Book a 30-minute demo. We'll show a live analysis on bank statements and payslips — and demonstrate exactly what your current review process is missing.