Solutions/Credit Union

Credit Union Fraud Prevention

Credit unions are built on member trust. Sightova protects that trust by detecting synthetic identity documents, AI-fabricated loan paperwork, and manipulated deposit images before they compromise member accounts or loan portfolios.

API: v3.CU_PROTECT
MEMBER MODELS: 10 ACTIVE
NCUA EXAMINATION READY

Credit Union Defense Modules

SELECT * FROM cu_fraud_prevention_matrix
CU-MID-01
CREDIT UNION MODULE

Member ID Verification

Authenticate member-submitted identification documents during account opening and loan applications by detecting synthetic photo embeddings, expired template structures, and digitally altered personal data fields.

MEMBER ONBOARDINGPHOTO ANALYSISFIELD VALIDATION
CU-LDS-02
CREDIT UNION MODULE

Loan Document Screening

Screen income verification documents, employment letters, and asset statements submitted with loan applications for signs of AI generation, template reuse, and post-production manipulation.

LOAN ORIGINATIONINCOME VERIFICATIONASSET SCREENING
CU-SYN-03
CREDIT UNION MODULE

Synthetic Identity Detection

Identify fabricated identities constructed by combining real and fake PII elements. Detect when submitted ID photos, selfies, and documents trace back to GAN-generated or composited source material.

SYNTHETIC IDPII COMPOSITIONIDENTITY GRAPH
CU-RDF-04
CREDIT UNION MODULE

Remote Deposit Fraud

Analyze mobile-deposited check images for digital fabrication, duplicate submission attempts, and manipulation of dollar amounts, payee information, or endorsement signatures.

MOBILE CHECKDUPLICATE DETECTIONENDORSEMENT CHECK
CU-SBP-05
CREDIT UNION MODULE

Shared Branching Protection

Extend fraud detection across shared branching networks by validating member identity images presented at non-home branches, preventing cross-institution impersonation attacks.

SHARED BRANCHINGCROSS-CU VALIDATIONIMPERSONATION
CU-REG-06
CREDIT UNION MODULE

Regulatory Compliance Scanning

Maintain NCUA and BSA/AML compliance with automated audit trails for every image verification. Generate examiner-ready reports with timestamped forensic analysis records.

NCUA COMPLIANCEBSA/AMLAUDIT TRAIL
MEMBER PROTECTION ENGINE

Defend the Cooperative Model

Synthetic identity fraud is the fastest-growing financial crime in the U.S., and credit unions are disproportionately targeted due to their community-first underwriting. Sightova detects the AI-generated artifacts that power these schemes at the image layer—before a single dollar is disbursed.

  • Catch GAN-generated ID photos and composite selfies during member onboarding and loan applications.
  • Flag fabricated pay stubs and employment letters that pass traditional OCR but fail pixel forensics.
  • Produce NCUA examination-ready audit logs with full forensic provenance for every verified document.
CREDIT UNION FRAUD CHECK — RESPONSE
{
  "check_id": "cu_7b3d8e19a4f6",
  "member_ref": "MBR-2026-11093",
  "context": "auto_loan_application",
  "identity_check": {
    "id_photo_verdict": "GAN_GENERATED",
    "confidence": 0.938,
    "selfie_liveness": false,
    "facial_match_score": 0.21
  },
  "income_documents": [
    {
      "type": "pay_stub",
      "verdict": "FABRICATED",
      "signals": ["template_reuse", "no_scan_artifacts"]
    },
    {
      "type": "employment_letter",
      "verdict": "AUTHENTIC",
      "confidence": 0.912
    }
  ],
  "synthetic_identity_risk": "HIGH",
  "action": "ESCALATE_TO_BSA_OFFICER"
}

Protect Your Members

Equip your credit union with AI forensic tools designed for cooperative institutions. Detect synthetic identities, prevent document fraud, and maintain examiner-ready compliance—all through a single API integration.

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