Defender Response

Introduction

Informed Defender is a Document Intelligence add-on product that identifies the likelihood of documents within a loan application being misrepresented. Informed Defender uses industry-leading consortium data along with other visual and content-related document information to help lenders mitigate losses by catching misrepresentations.

Please contact your account representative if you would like to add Informed Defender to your workflow.

Process Flow

If you are already using the Informed platform to classify and extract information from documents leading to verifications, the good news is that you will not have to do much additional work because the misrepresentation report is built right into the existing verifications callback.

Receiving callbacks

The Informed Defender report regarding the misrepresentation (misrep) risk of the uploaded income documents will be transmitted back in the normal asynchronous verifications callback.

A couple things to note about the payload:

• Informed Defender catches misrep at an application level. In other words, the whole application is flagged and the exact documents containing misrepresentation are identified.
• Misrep category:
  • There will be four main categories - red, orange, yellow and green
  • Green of course is associated with no misrep being found.
  • When there is misrep found, the probability of the application charging off in the first 12 months would be higher for red vs. orange vs. yellow, etc.

The following sections give brief examples of what the payload looks like for both scenarios.

Misrepresentation found

Below is an example of the verifications payload when misrepresentation is found in one or more supplied documents:

Verifications callback structure - misrep found

{
  "event_type": "verifications",
  "application_id": "unique-Informed-app-id",
  "application_reference_id": "partner application id",
  "data_sources": {
    "image_files": [
      {
        "file_id": "38d03f0e-215a-4b03-8fb5-bb2f089f67db",
        "file_reference_id": "your-submitted-file-name.pdf"
      },
      {
        "file_id": "efef2d00-59e2-446d-8279-1cacf607ea35",
        "file_reference_id": "your-submitted-file-name-2.pdf"
      }
    ],
    "structured_data": []
  },
  "verifications": {
    "misrepresentation": [
      {
        "status": "review",
        "belongs_to": "application",
        "updated_at": "2024-08-01 20:27:15 +0000",
        "description": "",
        "verification_questions": {
          "misrepresentation_score": {
            "question": "What is the misrepresentation category?",
            "expected": "green",
            "answer": "yellow",
            "status": "review"
          }
        },
        "acceptable_documents": {
          "paystub": [
            {
              "document_id": "32f3be93-e771-4677-8471-f81ad4a932d6",
              "file_ids": [
                "38d03f0e-215a-4b03-8fb5-bb2f089f67db"
              ],
              "file_reference_ids": [
                "your-submitted-file-name.pdf"
              ],
              "category": "Paystub",
              "document_questions": {
                "is_potential_misrepresentation": {
                  "question": "Is the document potentially misrepresented?",
                  "expected": "false",
                  "answer": "true",
                  "status": "review"
                }
              }
            },
            {
              "document_id": "9615152f-85af-4350-9591-bef161623642",
              "file_ids": [
                "efef2d00-59e2-446d-8279-1cacf607ea35"
              ],
              "file_reference_ids": [
                "your-submitted-file-name-2.pdf"
              ],
              "category": "Paystub",
              "document_questions": {
                "is_potential_misrepresentation": {
                  "question": "Is the document potentially misrepresented?",
                  "expected": "false",
                  "answer": "true",
                  "status": "review"
                }
              }
            }
          ]
        },
        "recommendations": []
      }
    ]
  }
}

Below is an image of how this misrepresentation verification would appear in the VerifyIQ user interface:

Misrepresentation not found

Below is an example of the verifications payload when no misrepresentation is found in the supplied documents:

Verifications callback structure - no misrep found

{
  "event_type": "verifications",
  "application_id": "unique-Informed-app-id",
  "application_reference_id": "partner application id",
  "data_sources": {
    "image_files": [
      {
        "file_id": "38d03f0e-215a-4b03-8fb5-bb2f089f67db",
        "file_reference_id": "your-submitted-file-name.pdf"
      },
      {
        "file_id": "efef2d00-59e2-446d-8279-1cacf607ea35",
        "file_reference_id": "your-submitted-file-name-2.pdf"
      }
    ],
    "structured_data": []
  },
  "verifications": {
    "misrepresentation": [
      {
        "status": "pass",
        "belongs_to": "application",
        "updated_at": "2024-08-01 20:27:15 +0000",
        "description": "Informed searched for a supporting Misrepresentation document and did not find one in the deal jacket.",
        "verification_questions": {
          "misrepresentation_score": {
            "question": "What is the misrepresentation category?",
            "expected": "green",
            "answer": "green",
            "status": "pass"
          }
        },
        "acceptable_documents": {},
        "recommendations": []
      }
    ]
  }
}

Alternative Response format

Previously, the focus of the Defender misrepresentation was on returning a category-based color code. Only documents that actually had misrepresentation were identified in the response. Informed has decided to move to a more definitive approach with the focus on showing the results for all applicable document types that were analyzed, whether they have misrepresentation or not. There is no more category-based color code.

The following document types are analyzed for misrepresentation:

• paystubs
• bank statements
• utility bills
• phone bills

Possible reasons for misrepresentation in documents:

• Cross-Lender Collisions
• Formatting/Alignment/Typography Issues
• File Metadata Issues
• Fraudulent Templates

Alternate verifications format

{
  "event_type": "verifications",
  "application_id": "unique-Informed-app-id",
  "application_reference_id": "partner application id",
  "initial_status": "review",
  "current_status": "review",
  "application_status": "Active",
  "data_sources": {
    "image_files": [
      {
        "file_id": "0b63b839-6f18-4720-b5fe-352a1a7adfd2",
        "file_reference_id": "ef16241e-4fb1-4789-b194-c05443031ae3"
      },
      {
        "file_id": "1a215f72-7938-45e2-a205-05116cab3ecb",
        "file_reference_id": "15343037-3958-4b96-91c9-468ceea87630"
      }
    ],
    "structured_data": [

    ]
  },
  "verifications": {
    "misrepresentation": [
      {
        "status": "review",
        "belongs_to": "application",
        "updated_at": "2026-01-20 21:38:23 +0000",
        "description": "",
        "verification_questions": {
        },
        "acceptable_documents": {
          "bank_statement": [
            {
              "document_id": "bce9ce08-72b5-4503-a71e-fc8fc26c055b",
              "file_ids": [
                "0b63b839-6f18-4720-b5fe-352a1a7adfd2"
              ],
              "file_reference_ids": [
                "ef16241e-4fb1-4789-b194-c05443031ae3"
              ],
              "document_questions": {
                "is_potential_misrepresentation": {
                  "question": "Is the document potentially misrepresented?",
                  "expected": "false",
                  "answer": "true",
                  "status": "review"
                },
                "misrepresentation_reason": {
                  "question": "What is the reason for misrepresentation?",
                  "expected": "",
                  "answer": [
                    "File Metadata Issues"
                  ],
                  "status": "pass"
                }
              },
              "category": "Bank Statement"
            },
            {
              "document_id": "20c5cf8c-7909-4990-9c9a-07d712933d88",
              "file_ids": [
                "1a215f72-7938-45e2-a205-05116cab3ecb"
              ],
              "file_reference_ids": [
                "15343037-3958-4b96-91c9-468ceea87630"
              ],
              "document_questions": {
                "is_potential_misrepresentation": {
                  "question": "Is the document potentially misrepresented?",
                  "expected": "false",
                  "answer": "false",
                  "status": "pass"
                },
                "misrepresentation_reason": {
                  "question": "What is the reason for misrepresentation?",
                  "expected": "",
                  "answer": [

                  ],
                  "status": "pass"
                }
              },
              "category": "Bank Statement"
            }
          ]
        },
        "recommendations": [

        ]
      }
    ]
  }
}

Below is an image of how this new misrepresentation verification format would appear in the VerifyIQ user interface: