Consumer and business lending
Add technical evidence before affordability, underwriting, or credit decisions are completed.
Income document forensics
Proof of Income and Payslip Fraud Detection
Detect manipulated income documents before making a decision
Payslips, salary statements, and employment certificates can be changed using widely available editing software while still looking convincing. essential-fd analyzes submitted proof of income files for technical evidence of manipulation and returns a clear result: OK or FLAG.
File-level signals
Identify signs of edited payslips
A manipulated payslip may be based on a genuine document. Only a few fields need to change to create a materially different picture of an applicant’s income. essential-fd examines the technical construction of the file to identify elements that may have been added, replaced, or modified.
- Increasing gross or net salary
- Changing the employer or employee name
- Altering the payment period
- Modifying tax or social security information
- Adding bonuses or allowances
- Removing deductions
- Changing year-to-date values
- Combining pages from different documents
- Converting an edited image into a new PDF
Operational fit
Built for banks, lenders, and rental platforms
Rental applications
Analyze tenant proof of income alongside identity, employment, and affordability checks.
Leasing and vehicle finance
Screen salary documents and supporting financial files before approving finance.
BNPL and payment platforms
Add file-level checks where customers submit supporting income documentation.
Insurance and financial services
Check salary statements or employment documents used for underwriting and benefit calculations.
Technical coverage
What essential-fd checks
PDF structure and editing history
Examine how the PDF was created, whether content was added through later revisions, and whether elements are stored consistently.
Fonts and text elements
Manipulated fields may use different fonts, encodings, sizes, positions, or structures even when they look visually consistent.
Metadata
The software, timestamps, and processing history associated with a file can provide relevant evidence of unexpected modification.
Page consistency
Compare construction, dimensions, resources, and source characteristics across multi-page income documents.
Image-level traces
Check scans and photographed documents for recompression, inserted regions, and other technical characteristics.
Cross-document data
Compare names, employers, dates, values, and other extracted information across supporting files where relevant.
Explainable outcomes
Technical evidence, not a black-box score
An OK result means no covered forensic manipulation signal was found. A FLAG identifies a specific technical finding and explains why it deserves review.
The result supports your existing identity, affordability, employment, and underwriting controls; it does not replace them.
Explore the document forensics platform →OK
No defined signal
Continue according to your existing rules.
FLAG
Specific finding
Route the file and its explanation for review.
Low-friction integration
Add checks to your existing application process
Customers keep submitting documents through the same journey. essential-fd can run in the background and return structured results to your current systems.
API
SFTP
OneDrive / SharePoint
Web application
Before the decision
Check the income file, not only the numbers
See how essential-fd can add explainable payslip and proof-of-income forensics to your application workflow.