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Identity intelligence for financial services

Uncover third-party fraud with net-new signals your existing controls don't see.

4.82×fraud-loss prevention ROI
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AI-driven identity fraud

See the identity fraud traditional checks miss.

AI is making synthetic identities, stolen identities and account takeovers more convincing and scalable – while traditional checks continue to pass them.

Choose your fraud scenario

Three applicants. Select one to watch Heka assess the identity behind the application.

Synthetic Identity

  1. 1
    New application received
    Illustrative applicant portrait: Marcus D. Ellery
    Marcus D. ElleryApplicant
    Marcus D. Ellery · 34 · born 12 Mar 19922214 Kelvin Ave, Apt 6B, Columbus OH+1 (614) 555-0182m.ellery92@mailbridge.coClaimed employer: Vantera LogisticsAPP-40318
  2. 2
    Conventional checks passed
    Identity verificationPassed
    Bureau matchPassed
    Device and application checkPassed
  3. 3
    Heka evidence surfaced
    Digital identity first seen 6 days agoDigital footprint
    Digital presence sparse for the claimed identity ageDigital footprint
    Phone and email overlap with other applicant identitiesContact intelligence
    Contact details appear in breach dataDarknet and breach data
    Address linked to multiple unrelated identitiesPublic records
    Identity details do not align across sourcesCross-source validation
  4. 4
    Identity-risk result
    86/100High identity riskIndividual supporting signals available

Stolen Identity

  1. 1
    New application received
    Illustrative applicant portrait: Priya N. Raghavan
    Priya N. RaghavanApplicant
    Priya N. Raghavan · 41 · records since 2007Submitted: 480 Grove St, Jersey City NJSubmitted: +1 (201) 555-0119Submitted: p.raghavan.docs@swiftbox.ioClaimed employer: Renwick Care GroupAPP-40522
  2. 2
    Conventional checks passed
    Identity verificationPassed
    Bureau matchPassed
    Device and application checkPassed
  3. 3
    Heka evidence surfaced
    Established identity history, newly submitted contact setCross-source validation
    Submitted phone has no history with this identityContact intelligence
    Submitted email first seen 11 days agoDigital footprint
    Submitted address absent from the identity’s record historyPublic records
    New contact details connect to unrelated applicantsRelationship networks
    Employment context diverges from established historyBusiness affiliations
  4. 4
    Identity-risk result
    81/100High identity riskIndividual supporting signals available

Account Takeover

  1. 1
    Account details changed
    Illustrative applicant portrait: Daniel R. Okafor
    Daniel R. OkaforExisting customer
    Daniel R. Okafor · 29 · customer since 2019918 Harlan St, Austin TXNew: +1 (512) 555-0144New: d.okafor.secure@fastmailer.ioChange submitted 3 days agoACC-88104
  2. 2
    Conventional checks passed
    AuthenticationPassed
    Device recognitionPassed
    Session and channel checkPassed
  3. 3
    Heka evidence surfaced
    New phone first seen 4 days agoDigital footprint
    New email appears in recent breach dataDarknet and breach data
    New contact details link to another applicantContact intelligence
    No corroborating social presence for the new detailsSocial presence
    Contact set diverges from the customer’s established historyCross-source validation
  4. 4
    Identity-risk result
    79/100Account-takeover riskIndividual supporting signals available

AI helps fraud look legitimate. Heka assesses whether the identity actually is.

Use cases

Built for the teams that carry the fraud loss.

Detect identity fraud and assess legitimate customers across onboarding, credit applications, thin files and manual review.

Detect fraudulent identities before they become customers.

Identify fabricated, stolen and manipulated identities that pass traditional verification and KYC checks.

Read the Digital Lender story
more fraud identified

Approve more good applicants with confidence.

Uncover identity inconsistencies and hidden connections while gaining additional context on legitimate thin-file customers.

Read the Credit Card Issuer story
false-positive rate at the same fraud-detection rate

Resolve ambiguous cases with stronger identity evidence.

Enrich suspicious accounts with net-new identity signals, helping analysts prioritize cases, investigate hidden connections and reach more confident decisions.

Read the Payment Processor story
of ambiguous cases received a high-confidence Heka assessment

Assess thin-file identities without adding friction.

Use digital, social and contact intelligence to distinguish legitimate thin-file applicants from fabricated identities.

Read the Global Fintech story
fewer manual reviews
Featured in
  • CB Insights
  • About Fraud
The identity data universe

Digital, social and darknet identity signals. Connected and cross-validated.

Heka combines net-new identity signals with contact intelligence to build a broader, more current view of every identity.

More sources provide more context. Cross-validation turns that context into identity intelligence.

Explore Heka's data universeHover over any stream to reveal its source.Tap a stream to reveal its source.
Cross-validated identity intelligence
What Heka assesses
  • Identity consistencyDo identity details align across independent sources?
  • Digital presenceDoes the identity have a credible, persistent online footprint?
  • Darknet exposureDo contact details or credentials appear in breach data?
Fraud-stack fit

Built to strengthen your existing fraud stack.

Heka adds net-new identity signals to the tools and workflows you already use through a simple API.

Existing identity and fraud tools
  • Socure
  • SentiLink
  • Sardine
  • Experian
  • Equifax
  • TransUnion
  • LexisNexis Risk Solutions
Net-new identity signals
  • Digital
  • Social
  • Breach
  • Contact

Add Heka without rebuilding your stack.

Access net-new identity signals through a simple API and the platforms and workflows you already use.

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“Heka's offering stood out for its ability to address a critical need in financial services – helping institutions make faster, smarter decisions using trustworthy external data.”
Kester KeatingHead of US Principal Investments at Barclays

See what your controls are missing.

Discover what Heka's net-new identity signals can uncover.

  • 30 minutes with a fraud practitioner.
  • See a scored case end to end: signals, sources and the 0–100 score.
  • We reply within one business day.

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