Synthetic Fraud Detection and Identity Verification for Financial Institutions

SentiLink builds fraud and identity verification products for financial institutions, focusing on the application and account-opening stage where synthetic identities and stolen credentials are hardest to catch. The company was founded by Naftali Harris and Max Blumenfeld, who previously developed risk and fraud systems at Affirm. Its tools are designed to score applications in real time, helping banks, credit unions, and fintech lenders approve legitimate customers while blocking fabricated and manipulated identities before accounts are opened.

The core offering centers on risk scores delivered at decision time. Synthetic Fraud Scores rate each application from low to high risk and distinguish first-party from third-party synthetic abuse to support tailored treatment. ID Theft Scores analyze signals such as email, phone, IP address, and behavioral patterns to flag the use of stolen identities. A KYC Insights product addresses Customer Identification Program obligations with watchlist screening and detailed risk flags that go beyond basic PII matching offered by legacy verification providers.

By combining these scores and signals, SentiLink aims to reduce fraud losses while minimizing false positives that block good applicants and create onboarding friction. The platform is positioned for institutions processing high volumes of consumer applications, where small accuracy gains translate into meaningful loss prevention and improved approval rates. SentiLink also publishes periodic fraud benchmarking reports drawing on financial application data, giving lenders broader visibility into identity fraud rates and emerging trends across the industry.