Credit decisions you can explain. Fraud caught before it funds.
Good credit and fraud controls protect every loan you make. We deploy Isaac, our credit risk and fraud template, in your environment and customize it to your products, credit policy and fraud rules. It screens applications, explains decisions and watches how the portfolio performs. Your credit team makes every call.
Deborah Affinito starts in underwriting at GMAC. She went on to manage a team of underwriters.
credit box written for Rail from a blank page, with pricing, stacking limits and approval authority
fraud policy defined for the bank-owned digital wallet at JPMorgan Chase, with Kevin Park on the product team
Isaac is our AI agent template for credit risk and fraud management. It starts with a knowledge graph that links applications, credit policy, decisions and fraud signals to how your loans perform. We deploy it in your environment and customize it to your use cases. Isaac is named for Earl Isaac, the mathematician who co-founded Fair, Isaac and Company in 1956 and helped make credit scoring a standard part of lending.
- Screen applications for identity, synthetic and first-party fraud, and send every flag to a reviewer
- Check each decision against your credit policy and draft clear adverse action reasons
- Watch the portfolio by vintage, segment and dealer or merchant, and flag problems early
- Keep scorecard and fraud model validation files current for your model risk program
Isaac flags and drafts. Your credit officers and fraud team decide.
From the application to the portfolio.
The right loans, to the right people, at the right price. And no loans to people who are not who they say they are.
- Credit programs and rate sheets
- Underwriting rules and approval authority
- Decision strategy and cutoffs
- Adverse action and fair lending review
- Fraud policy and controls
- Identity and synthetic fraud screening
- Dealer and merchant fraud monitoring
- Fraud vendor selection
- Vintage and segment reporting
- Early warning and limit monitoring
- Loss forecasts, shared with Hetty
- Scorecard validation files
Start small. Grow into it.
We review your credit policy, your decision data and your fraud losses, and write down what to fix first.
A fixed-fee project to write or rebuild the policy and deploy Isaac in your environment, delivered and documented.
Retainer or managed service for policy updates, portfolio reviews and new fraud patterns.
Credit and fraud policy, from a blank page.
What people ask first.
No. Isaac screens, checks and drafts. Your credit officers approve the policy and every exception, and your fraud team works every flag.
Tell us where your losses come from.
Describe your products, your credit box and your fraud losses, and we will say what we would fix first.
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