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Out-of-the-box Modules

FraudGUARD® is a highly customizable, automated, web-based tool that identifies risk and potential fraud in mortgage loans by

utilizing public, private and proprietary data sources. It enables pre-funding file review of borrower, collateral and third-party information

to help lenders clearly identify problematic loans and remain compliant. FraudGUARD increases operational efficiencies and time savings

through process and workflow automation, data aggregation and risk analysis.

Identity ValidationValidates and identifies potential risks associated with the borrower’s identity through multiple sources. The supporting data for the SSN which includes the state and date of issuance, names of everyone using the SSN, usage dates, locations, associated verifying sources and employers are combined to identify the best match of the submitted SSN.

Phone & Address Check Performs a reverse phone and address check to validate the submitted borrower and employer phone and address.

Income & Employment Analysis Analyzes the borrower’s income and employment utilizing external and internal data sources to evaluate the borrower’s ability to pay.

MERS®(Mortgage Electronic Registration System) Integration with the MERS®System helps identify undisclosed loans, pending foreclosures and foreclosures for the borrowers and the subject property.

Industry Watch and Exclusionary Lists Compares all participant names to industry watch and exclusionary lists such as the HUD LDP, HUD EPLS, and OFAC/PLC to identify high risk participants.

Lender Exclusionary Lists Compares all participant names to lender exclusionary lists to identify high risk participants.

Appraiser License Verification Reviews appraiser information to determine if the appraiser license is valid.

Conflict of Interest Checks all parties in the loan and parties from previous property transactions to identify possible conflicts of interest.

NFPD (National Fraud Protection Database) Checks the Interthinx proprietary database and other sources for mort-gage fraud related articles to identify high risk participants on a loan.

FraudNet Loan Exchange (FLEX®) ReviewProvides analytics across the inventory of submitted loans to identify anomalies across loans in areas such as income, occupancy, employment, broker risk profile, appraiser risk profile and private closed sales.

Property/Collateral Evaluation Provides a subject property estimated value, neighborhood analysis, compa-rables analysis, property transaction his-tory and foreclosure analysis to identify overall collateral risk.

FEMA Identifies if the property is located in an area subject to a natural catastrophe.

Exposure Analysis Provides an analytical look at the dollar value in the FraudGUARD loan inventory committed to the subject property area and to the borrowers.

©2014 INTERTHINX, INC. All Rights Reserved. Interthinx, Inc. is a member of the First American family of companies. Interthinx, Inc. makes no express or implied warranty respecting the information presented and assumes no responsibility for errors or ommissions. First American and the eagle logo are registered trademarks of First American Financial Corporation and/or its affiliate. FLEX and FraudGUARD are registered trademarks of First American Financial Corporation. Risk Profiler is powered by Collateral Analytics. The Work Number is a registered trademark of Equifax. Undisclosed Debt Monitoring is a trademark of Equifax. Equifax is a registered trademark of Equifax, Inc., MERS is a registered trademark of MERSCORP, Inc..

Optional Modules

Risk Profiler Leveraging public and local market data, this interactive, automated tool analyzes and independently scores an appraisal or BPO to assess probable valuation risk. It uses an automated valuation model (AVM), neighborhood trends, local market analysis and other collateral metrics. Multiple components of a valuation report are analyzed to generate an independent estimate of value and develop a profile of the subject property along with ranking the proposed transaction and rating the competitive market area.

Undisclosed Debt Monitoring™, powered by Equifax Monitors the borrower’s activity to identify if new debts or liabilities are incurred during the “quiet period” to evaluate if the borrower has the propensity and capacity to repay the loan.The integration of Equifax Undisclosed Debt Monitoring™ (UDM) within FraudGUARD constantly monitors borrower activity and provides alerts with customized notifications.The analysis of the UDM alerts is included in the overall borrower risk score for FraudGUARD.

NMLS Searches the NMLS (Nationwide Mortgage Licensing System & Registry) database to validate the Mortgage Broker and Loan Officer’s NMLS ID.

Verification of Employment & Income (The Work Number®), a service of Equifax Provides the ability to request employment and income verification directly through FraudGUARD. The integration of The Work Number® product in FraudGUARD includes; Instant, Manual (Researched) and Reverify order types.The order results can be viewed directly in FraudUGUARD and the analysis of the results are included in the overall borrower risk score.

Income AssessmentProvides an income estimation that includes a realistic income range for a job title to identify potentially overstated borrower income.

4506-T IntegrationProvides the ability to place 4506-T orders directly through FraudGUARD. Tax transcripts from the IRS can be viewed directly within the FraudGUARD web and printed report. The details of the transcripts are systematically analyzed to quickly identify risks associated with borrower income and employment.

Associated Business Search Provides the ability to review if other businesses are associated with the borrower and the status of the borrower’s employer.

Bankruptcy SearchChecks to see if the borrower has bankruptcy record(s) prior to or after the loan application date.

Occupancy & OwnershipPerforms a nationwide search for properties owned by the borrower and uses exception-based alerting to identify other properties owned by borrowers, occupancy issues, foreclosures and unidentified addresses used by borrowers.The module assesses a borrower’s ownership history and provides an interactive ownership timeline.

MLS DataProvides an up-to-date market insight into the subject property and the neighborhood listings. The module includes subject property details based on MLS with broker remarks and comments. It also includes information on up to 20 area active listings in relation to the subject property.

Undisclosed Debt Monitoring™, powered by Equifax

The Work Number®, a service of Equifax

Occupancy & Ownership

NMLS

Associated Business Search