Wakeful is deployed by risk, fraud, and compliance teams at regional and national banks, card issuers, and installment lenders — each with a different point of first exposure.
Synthetic identities open deposit accounts to season them for future credit lines, or as mule accounts for downstream fraud. Onboarding Shield screens every new account application without adding friction to real-member onboarding.
The classic synthetic identity bust-out: months of clean utilization, then a coordinated max-out across an entire ring of linked cards. Sleeper Graph Engine surfaces the ring before a single member of it activates.
High-volume, thin-file lending is the easiest environment to seed a synthetic identity into. Wakeful's per-application latency budget was built for exactly this volume without slowing down real approvals.
Continuous portfolio-wide re-scoring, ring-level case bundling, and an analyst workbench that turns a graph of evidence into a decision without a spreadsheet in between.
Portfolio scanCase bundlingAnalyst workbenchEvery score ships with a documentation trail aligned to SR 11-7 and OCC 2011-12, plus drift monitoring your model validation function can run independently of the vendor.
SR 11-7 alignedIndependent validationDrift monitoringSub-400ms Onboarding Shield decisions mean fraud screening never becomes the reason a real applicant abandons your funnel.
<400ms decisionsLow false-positive rateDeploys inside your VPC with standard connectors to your core banking, LOS, and case management systems — no data lake migration required to get to a shadow deployment.
VPC deploymentStandard connectors