Underwriting risk signals for credit & insurance

See the risk attached to every identity.

Heka surfaces adverse intelligence, affiliations and identity anomalies that traditional underwriting data may miss – giving credit issuers and insurers clearer evidence for every decision.

Trusted by leading financial institutions

Adverse intelligence

Surface material risk. Accelerate the cases that check out.

Heka analyses thousands of external sources to uncover adverse intelligence and identity anomalies – while giving underwriters the evidence to move clear cases forward faster.

Resolved identityFindings are matched to the confirmed subject, then summarised as one of three outcomes.

Material finding
Review required
Clear to proceed

Available through API, batch file or analyst workflow – without replacing existing underwriting systems.

Evidence-based decisions

Clear, consistent risk flags – with the evidence behind them.

Every finding includes its severity, verification status, reason and supporting evidence, so teams can immediately see where attention is required.

Example findingFND-7731 · subject CL-40219High Risk

Finding category: Legal
Severity: High
Verification: Verified · 2 independent sources
Reason code: LEG-ENF-03

An active enforcement proceeding is linked to the resolved identity.

Supporting sourcesOfficial court record and a regulator notice, matched on name, date of birth and address.

Fictional example. Heka supplies the evidence – the underwriting decision stays with your team.

Example findingFND-7728 · subject CL-40219Review

Finding category: Affiliations
Severity: Medium
Verification: Partially verified · 1 official source
Reason code: AFF-DIR-02

The applicant is listed as director of a company not disclosed in the application.

Supporting sourcesCompany registry filing, matched on name and date of birth. Address not yet confirmed.

Fictional example. Heka supplies the evidence – the underwriting decision stays with your team.

Example findingFND-7720 · subject CL-40219No Finding

Finding category: All areas
Severity: None
Verification: Identity resolved across sources
Reason code: NF-000

No material adverse intelligence was identified across legal, affiliation, media and anomaly checks.

Supporting sourcesIdentity resolved across official, open-web and media sources. No material matches returned.

Fictional example. Heka supplies the evidence – the underwriting decision stays with your team.

Bring clearer evidence into every underwriting decision.

See how Heka can surface adverse intelligence, explain material findings and fit into your existing underwriting workflow.