SentiLink

🎉 SentiLink is headed to #FICOWorld26 — come find us in Orlando! Orlando, FL | May 19–22, 2026 Sponsoring the SentiLink Lounge Stop by our kiosk next to the SentiLink lounge to relax, chat with the team, and see a live demo. Grab a SentiLink cap while you’re at it — supplies are limited. 🎤 Join Our Breakout Session The Scam and Mule Crisis: Building Detection and Intervention Strategies for Real-Time Payment Risk Featuring: • Paul Byrne, Head of Fraud Solutions, SentiLink • Debbie Cobb, VP, Product Management, FICO • Vineet Saxena, Fraud & Credit Fellow, FICO • Trace Fooshee, Strategic Advisor, Datos Insights Wednesday, May 20, 2026 | 3:30–4:15 PM ET Floridian Ballroom G–I Power smarter, faster fraud decisions with SentiLink and FICO Platform — now available in the FICO Marketplace. We can’t wait to connect with peers and innovators driving measurable outcomes through smarter decisions. To set up a meeting, DM any of the team: Allison Lemaster, Andrew West, Andy Yeoman, Daniel Hagemann, Diane Perro, Emily Auer, Kyle Rohrs, Michael Fay, Paul Byrne, and William Goh. See you in Orlando! #FICOWorld26 #DecisionIntelligence #Analytics #AI #FraudPrevention #FinancialCrime #Fintech

We're excited to announce a new reseller partnership with Taktile! Fraud and credit teams using Taktile's decision platform can now embed SentiLink's identity fraud detection directly into their existing workflows — no separate procurement, no additional engineering lift. SentiLink is trusted by 13 of the top 15 U.S. banks, 6 of the top 10 credit unions, and 50+ fintech unicorns to detect synthetic fraud, identity theft, and first-party fraud at the point of application. Through this partnership, those same capabilities are available natively within Taktile's decision flows. The result: teams can catch more sophisticated fraud earlier while approving more legitimate thin-file customers with confidence. More details on Taktile's blog — link in comments.

Fraud nerds are a specific type of person. You see the gift card rack at the grocery store and think about money laundering. You walk past a cash-only restaurant where nobody ever seems to eat and think: what are they actually selling? You explain some audacious scheme to your family at dinner, and they don't quite get why you're so animated. If that's you — we made something for you. SentiLink is launching The Signal, a Substack where our fraud investigators and data scientists share the cases they can't stop thinking about. One story per issue. Real cases, told from the inside. Subscribe to the Signal here: https://hubs.ly/Q04fCTt00

Fraud nerds are a specific type of person. You see the gift card rack at the grocery store and think about money laundering. You walk past a cash-only restaurant where nobody ever seems to eat and think: what are they actually selling? You explain some audacious scheme to your family at dinner, and they don't quite get why you're so animated. If that's you — we made something for you. SentiLink is launching The Signal, a Substack where our fraud investigators and data scientists share the cases they can't stop thinking about. One story per issue. Real cases, told from the inside. Subscribe to the Signal here: https://hubs.ly/Q04fCTt00

Heading to Auto Finance Summit East, May 11–13 in Nashville? SentiLink will be there — and we’d love to meet with auto lenders focused on reducing fraud losses at the point of application. In a recent engagement with a major auto lender, SentiLink found opportunities to stave off 7.5% of annualized fraud losses — more than $25 million — while flagging fewer than 3.5% of applications. That's our Synthetic Fraud, Identity Theft, and new First-Party Fraud score working together. First-party fraud is uniquely difficult: the applicant's core PII is legitimate, but they misrepresent themselves in other ways. It's a blind spot that traditional credit and identity checks weren't built to catch. For auto lenders, combining all three scores means: → Meaningful loss reduction → Visibility into risk outside traditional veriti checks → More confidence approving legitimate applicants without hidden fraud exposure Our team will be on the ground in Nashville: Kelley Byrnes, Robby Perry, CFCI, Tim Forrest, Jessica Papilla, and Diane Perro. Want to connect at the conference? DM us — or grab a slot here: https://hubs.li/Q04fjNH-0

A new borrower defaults before making a single payment — but why? Did they run into legitimate credit trouble? Was defaulting the plan all along? Or was the application part of a more organized fraud operation? At OLA Tribal Lending in Las Vegas on May 4-6, SentiLink's head of fraud insights, David Maimon, will present his latest investigations into fraud operations thriving on Telegram marketplaces and the dark web. And our team of experts will be there to show lenders how our First-Party Fraud, Synthetic, and Identity Theft scores help them distinguish legitimate applications from purposeful fraud. The proof is in the numbers: SentiLink products have provided AltFi partners an average of more than $10M in annualized loss prevention, according to recent data, flagging an average of 43% of all FPDs while flagging just 6.5% of booked accounts across all three scores. Want to connect at OLA Tribal Lending? Request a meeting here: https://hubs.li/Q04f2FP80 Or DM any of the SentiLinkers attending: Michael Fay, Andres Strulovic, Mike Singh, Tim Forrest, Michelle "Wheels" Wheeler, Ayden Bauer, or Koji Crill. See you in Las Vegas.

Tomorrow, join us for a live webinar: What's Behind Fraud Rates Spiking? Inside the SentiLink Fraud Report. Our experts — David Maimon, Charles Custer, and Emily L. — will walk through the most significant fraud trends shaping 2025 and 2026, from identity theft and synthetic fraud to the clearest application fraud signals you can act on now. All backed by real case studies. Register using the link in the first comment below. Don't miss it!

The Montana LLC loophole has been an open secret in auto finance for years. Buyers use it to avoid sales tax on luxury vehicles, often saving tens of thousands of dollars. Now enforcement is catching up: California has brought felony charges tied to Montana-registered vehicles, and Utah is identifying thousands of out-of-state registrations and pursuing recovery. When those vehicles are financed — a surprising number are — lenders may face risks they didn’t price in: collateral seizures, challenged titles, and potential AML scrutiny. We analyzed the data and found real loans already exposed. Read more: The Montana Loophole Is Closing. Are Lenders Holding the Bag? https://hubs.li/Q04bWcxW0

Nearly 1 in 3 community college applicants in 2024 were fraudulent. That number comes from research by SentiLink Head of Fraud Insights David Maimon— and it helps explain why Congress is moving fast. Last month, the House Education Committee passed three student aid fraud bills in a single day — two with rare bipartisan support. One of them, the No Aid for Ghost Students Act of 2026, would require fraud screening on every federal student aid application. The fraud they're targeting has a name: Pell Running. Fraudsters use stolen or synthetic identities to enroll at colleges, file FAFSA, collect up to $7,400 in living-expense disbursements, and disappear before attending a single class. The ecosystem behind it is sophisticated. Identity packages tailored for FAFSA fraud sell openly on Telegram. Tutorials go for up to $300. Liveness checks — one proposed legislative fix — are already being defeated with AI-generated video. There's more on this and four other major fraud trends in our 2H 2025 Fraud Report, drawing on 236M+ account-opening applications. 🔗 Full blog post + report link in the comments.

Fraudsters love abandoned identities. Why? Because that typically means there's no one to notice and report the identity being stolen. Our most recent analysis of this looked into the identities of people who've renounced their US citizenship and moved abroad. Turns out, their identities are exploited at a rate almost 3x higher than the baseline. Check out the link in the comments for the full analysis! #fraud #fraudprevention