Fraud, Credit 6 min read
Taktile and SentiLink partner to make sophisticated identity fraud detection instantly accessible
Taktile is excited to announce its reseller partnership with SentiLink, a leading provider of synthetic, identity, and first-party fraud detection trusted by 13 of the top 15 U.S. banks, six of the top 10 credit unions, and more than 50 fintech unicorns.
With direct access to SentiLink's identity intelligence via Taktile's Agentic Decision Platform, financial institutions can stop synthetic identities, stolen identities, and first-party fraud at the point of application, without lengthy procurement cycles or engineering integration work.
Customers can already leverage SentiLink's identity signals on Taktile to strengthen fraud detection and identity verification before credit decisions are made across deposit accounts, credit cards, lending, BNPL, and auto finance.
Key takeaways
- Stop sophisticated identity fraud without lengthy integration work: Through Taktile’s reseller partnership with SentiLink, teams can instantly plug in SentiLink’s intelligence to filter out fraudulent identities early in the application process.
- Increase customer approvals while catching fraud effectively: SentiLink's identity intelligence helps teams distinguish legitimate thin-file applicants from synthetic identities—resulting in increased customer approvals while halting fraudulent applications.
- Strengthen fraud with signals that traditional credit data misses: By combining SentiLink's identity expertise with Taktile's agentic decision engine, teams can build richer risk policies that factor in identity authenticity before credit, income, and behavioral signals.
- Adapt your fraud strategy as fast as the threat evolves: With Taktile’s testing capabilities, teams can rapidly iterate on their rules and policies, based on insights from SentiLink data.
Meet SentiLink: Specialized fraud experts for identity-based risk
SentiLink is one of the most respected identity fraud platforms in financial services. Their approach pairs proprietary and licensed data with a dedicated team of risk analysts, who continuously review cases and feed expert context back into the machine learning models behind SentiLink's products.
That combination of human expertise and models trained on a detailed U.S. identity patterns allows SentiLink to detect the threats that legacy KYC tools might miss: synthetic identities built from real Social Security numbers and fabricated personal details, stolen identities used to commit fraud, and first-party fraud where applicants misrepresent their true credit identity.
This makes SentiLink a natural complement to Taktile. As risk teams orchestrate their decision workflows on Taktile, SentiLink layers in specialized identity intelligence that strengthens fraud risk detection and identity verification.
“SentiLink has set the standard for identity fraud detection in financial services, and we’re excited to bring their products to banks and fintechs through Taktile. Whether teams are tackling synthetic identities, stolen credentials, or other identity-based threats, they can now benefit from SentiLink’s signals directly within their decision workflows.”
"Stopping fraud at the point of application is the highest-leverage moment in the customer journey. Our partnership with Taktile makes it dramatically easier for banks and fintechs to operationalize that defense. Together, we’re helping financial institutions approve more legitimate customers while simultaneously reducing their fraud."
Why this partnership matters: Synthetic identity fraud is a fast-growing threat in financial services
Synthetic identity fraud is no longer a niche concern. Nearly half of U.S. organizations rank synthetic identity fraud as their top-tracked fraud type, with industry estimates placing annual losses between $20 billion and $40 billion.
For fraud and credit teams, the challenge is twofold. Static identity checks were built for a world where fraudsters used stolen identities of real people; today, AI tools can fabricate plausible identities, generate convincing documents, and pass surface-level checks. At the same time, the defenses that catch synthetic identities can also wrongly flag legitimate thin-file applicants, forcing teams to choose between fraud losses and lost revenue.
Catching this kind of fraud requires specialized intelligence applied at the point of application, which is typically the earliest and most cost-effective place to stop crime. Through this reseller partnership with SentiLink, Taktile makes that intelligence instantly accessible.
Core benefits of using Taktile and SentiLink together
Block more fraud without declining good customers
The hardest part of fraud strategy is hitting targets for both fraud reduction and customer growth. SentiLink delivers highly specific identity signals that distinguish real applicants from synthetic and stolen identities, while Taktile gives teams the flexibility to tailor rules to varying levels of risk exposure. Together, this enhances approval quality.
Tailor your identity strategy to different customer segments
A fraud and decision flow that works for prime credit cards may not fit BNPL or auto lending. With SentiLink's full suite of identity products and Taktile's low-code workflows, teams can design tailored identity strategies for each product, customer segment, and risk tier without rebuilding the underlying infrastructure each time.
Optimize results through continuous experimentation
Identity fraud strategies decay as fraudsters adapt. SentiLink's signals provide the reliable inputs needed to fuel experimentation, while Taktile makes it easy to run A/B tests, shadow models, and iterate on identity rules. This helps teams keep pace with fraud rings, generative AI threats, and emerging manipulation patterns.
How our joint solution works: Embed SentiLink intelligence directly into Taktile decision flows
Taktile's Agentic Decision Platform serves as the central hub for financial services teams to automate and optimize their most critical decisions with agents, rules, relevant context, and human oversight.
Through the SentiLink partnership, teams gain immediate access to SentiLink's identity intelligence products inside Taktile, including:
- Synthetic Fraud Score: A machine learning score that predicts the risk that an identity is synthetic, identifying when the name, date of birth, and SSN on an application do not correspond to a real person.
- Identity Theft Score: Another machine learning score that predicts the risk that an identity is stolen, helping teams distinguish identity theft from legitimate applications.
- First Party Fraud Score: A machine learning model that is performant at flagging applications that represent a high-risk of first-party fraud.
- Facets: Detailed identity attributes derived from identity matching and account opening activity within SentiLink's network, grouped into purpose-built bundles such as applicant history, network intelligence, phone intelligence, email intelligence, FPD lending, and all attributes.
- ID Complete: Returns missing applicant fields like date of birth or SSN by matching partial information against SentiLink's proprietary catalog of U.S. identities, reducing manual review and improving completeness.
By embedding these signals early in the application process, teams can flag high-risk applications before account opening. Analysts confidently approve legitimate thin-file customers, and catch more crime by factoring in identity authenticity alongside traditional credit data.
The future of identity-led fraud defense
Identity is the foundation of every credit decision, and increasingly, the front line of fraud defense. As AI lowers the cost of producing convincing fake identities and forged documents, financial institutions need specialized identity intelligence embedded directly into their fraud risk and decision workflows, not bolted on as a separate system.
The integration between Taktile and SentiLink represents a step forward in how risk teams can operationalize synthetic and stolen identity defense: not as a one-time check at the door, but as a fully embedded intelligence layer within the risk and decision flows that drive their business.
