tbi Bank Increases Loan Approvals by 5% While Strengthening Fraud Controls with FINRECOVRA

Smarter Risk Decisions. More Approved Customers. Less Fraud.

tbi Bank needed to grow loan approvals without increasing exposure to fraud. Traditional risk models were too rigid—rejecting good customers while still missing sophisticated fraud patterns.

By integrating FINRECOVRA’s identity, behavioral, and device intelligence, tbi Bank unlocked higher approval rates, better risk visibility, and faster decision-making—without compromising security.

The Challenge

Growth Was Being Blocked by Risk Uncertainty

tbi Bank faced a critical trade-off:

  • Increase approvals → risk more fraud
  • Tighten controls → lose legitimate customers

Key issues included:

  • High false declines from overly conservative risk rules
  • Limited visibility into borrower authenticity
  • Difficulty detecting synthetic identities and manipulated applications
  • Manual reviews slowing down loan processing

The result: Missed revenue opportunities and inefficient operations

The Solution

FINRECOVRA’s Multi-Layer Fraud & Identity Intelligence

tbi Bank implemented FINRECOVRA to enhance decisioning across the entire loan application journey.

Key capabilities deployed:

1. Identity Verification Beyond Documents

  • Cross-check email, phone, and behavioral signals
  • Detect synthetic and manipulated identities
  • Validate applicant authenticity in real time

2. Device & Behavioral Intelligence

  • Identify risky devices and repeat fraud patterns
  • Analyze user behavior during application flow
  • Detect anomalies invisible to traditional scoring

3. Risk-Based Decisioning

  • Assign dynamic risk scores per application
  • Enable smarter approvals instead of blanket rejections
  • Trigger step-up verification only when necessary

4. Automation of Fraud Checks

  • Reduce dependency on manual reviews
  • Accelerate approval workflows
  • Maintain consistent decision quality at scale

The Results

Measured Impact After Implementation

  • +5% Increase in Loan Approvals
  • Significant Reduction in False Declines
  • Faster Application Processing Times
  • Improved Fraud Detection Accuracy
  • Lower Operational Costs from Automation

What This Means for tbi Bank

Instead of choosing between growth and security, tbi Bank achieved both:

  • More approved customers = more revenue
  • Stronger fraud controls = reduced losses
  • Better user experience = higher conversion rates

Why FINRECOVRA Worked

Traditional Systems Ask: “Is This Risky?”

FINRECOVRA Asks: “Who Is This—Really?”

By combining identity, behavior, and device intelligence, FINRECOVRA provides a 360° view of every applicant, enabling confident decision-making in real time.

Use Cases for Financial Institutions

FINRECOVRA helps lenders and banks:

  • Increase loan approvals without increasing fraud risk
  • Detect synthetic identities and application manipulation
  • Reduce false positives and manual reviews
  • Improve onboarding conversion rates
  • Scale securely across markets

Client Perspective

“We were able to approve more legitimate customers while strengthening our fraud defenses. FINRECOVRA gave us the visibility and control we were missing.”
— Risk & Operations Team, tbi Bank

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