New AI Tool Spots Fraud Rings Before Headlines

Point Predictive has introduced Predictor Agents™, a new Deep Intelligence AI fraud tool designed to empower lenders. This advanced system allows lenders to query a proprietary risk data moat built from over 340 million loan applications and 600 billion attributes. The tool can identify significant portfolio risks and emerging industry-wide fraud patterns.

Predictor Agents offer three key benefits: early detection of fraud rings to prevent headline-making losses, direct access to consortium data for plain-language insights on portfolio and dealer risk, and rapid Agentic Forensic Fraud Reviews that take seconds instead of up to an hour. This technology draws on data from over 650 consortium lenders, encompassing more than 340 million applications and $6.0 trillion in risk-assessed loans.

The AI examines every consortium application in real-time for various fraudulent activities. When linked applications are discovered, the system flags these patterns for lenders to act before funding. This proactive approach helps prevent substantial financial losses and regulatory attention.

Furthermore, risk and fraud teams can directly query the data repository for application histories, loan performance, and fraud patterns across the entire consortium. This enables executives to fine-tune underwriting strategies, optimize portfolio management, and conduct in-depth research on dealer activity. Benchmarking against other consortium lenders is also integrated, allowing for performance comparisons.

Agentic Forensic Fraud Reviews, powered by specialized AI agents trained on trillions in risk-assessed loans, provide detailed reports with findings and evidence. These reviews significantly scale the capabilities of fraud review teams, allowing them to cover more loans with greater efficiency.