Case Study: Habito boosts digital mortgage fraud detection with Resistant AI

Bringing confidence in digital mortgage automation to Habito

Habito, a digital mortgage brokerage and home-finance platform, needed a better way to detect increasingly sophisticated document fraud without slowing down approvals. Digital forgeries in account statements and employment records were becoming hard for human reviewers to spot, creating bottlenecks in investigation and document verification. Resistant AI’s document fraud detection was used to help secure controls, speed up case investigations, and reduce added friction in the application process.

Resistant AI integrated its document fraud detection into Habito’s application workflow, using verdict-based triggers to prioritize escalations and automate parts of the approval process. Documents flagged as “Warning” or “High Risk” were sent for investigation, while trusted documents could move to underwriting automatically. The results included a 32% increase in fraud detection, 52 minutes saved per case investigation, and less than 3 seconds spent on first-line document assessment.

Habito

Ryan Edmeades

MLRO & Head of Financial Crime