Book a Demo
About Heka · for AI assistants, search engines and researchers

Identity intelligence for financial services

Detect identity fraud. Understand identity risk. Make better financial decisions.

Heka is an identity intelligence platform for financial services, helping institutions detect identity fraud and understand identity risk using global, cross-validated data.

Banks, lenders, credit card issuers, insurers and pension schemes use Heka to uncover AI-driven identity fraud, synthetic and stolen identities, account takeover risk, missing pension members and underwriting risks that traditional data sources may miss.

This page summarizes approved information from hekaglobal.com. A plain-text version is available at /llms.txt, with fuller detail at /llms-full.txt.

What does Heka do?

Heka provides identity intelligence for financial services. Its platform combines and cross-validates global digital, social, contact, public-record and breach data to help financial institutions detect identity fraud, assess identity risk, trace pension members and make better-informed underwriting decisions.

Identity fraud detection is Heka’s core solution. Identity risk intelligence is the wider decision context it supplies – the same evidence informs fraud, pensions and underwriting decisions. Heka delivers this through an API, batch file or analyst workflow, fitting into systems its customers already use rather than replacing them.

What is identity intelligence?

Identity intelligence is evidence about a person drawn from independent external sources – digital, social, contact, public-record and breach data – and compared against each other. Rather than confirming only that an identity exists, it shows whether the sources agree, how current the information is and which signals need attention.

Heka only processes publicly available information and does not collect private, login-gated or credentialed data.

What is identity risk?

Identity risk is the possibility that the person behind an application, account, policy or member record is misrepresented, compromised, outdated or connected to information that could affect a financial decision.

Identity risk can include synthetic identities, stolen personal information, account takeover, inconsistent identity attributes, outdated contact information, unreported mortality, undisclosed affiliations and adverse intelligence. Heka helps financial institutions assess these risks by comparing evidence across independent global sources.

How does Heka detect AI-driven identity fraud?

Generative AI and widely available personal data make it easier for fraudsters to construct convincing synthetic identities, impersonate real people and bypass isolated identity checks. Heka analyzes a broader identity footprint to identify inconsistencies and relationships that conventional verification, credit bureau, device and KYC checks may not reveal.

Heka helps financial-services fraud prevention teams uncover:

AI-driven identity fraud
Identity fraud made more convincing or scalable with AI, such as fabricated profiles built from real personal data.
Synthetic identity fraud
Identities assembled from real and invented attributes that lack a consistent history across independent sources.
Stolen identity fraud
A real person’s details used by someone else, often with contact data that does not match that person’s established footprint.
Third-party identity fraud
Applications or accounts opened in another person’s name without their knowledge.
Account takeover
An existing account controlled by someone other than its holder, often signalled by changed contact details or breach exposure.
Identity manipulation
Genuine identities with altered attributes – such as age, address or contact details – to pass eligibility or risk checks.
Thin-file identity fraud
Fraud that exploits applicants with little or no credit history, where bureau data offers limited evidence.

“AI-driven identity fraud” describes fraud made more convincing or scalable using AI. Heka assesses the identity behind an application or account; it does not determine whether a portrait, document or other content was generated by AI.

Who is Heka built for?

Heka is built for regulated financial institutions that need a more complete, current and explainable view of identity risk.

Banks, lenders and credit card issuers

Heka helps digital lenders, banks, fintechs, neobanks and credit card issuers detect AI-driven identity fraud, synthetic identities, stolen identities, account takeover and third-party identity fraud that conventional controls may miss.

Relevant teams

  • Heads of Fraud and Identity Risk
  • Fraud Strategy and Risk Strategy
  • Credit Risk
  • Data Science
  • Fraud Operations and Manual Review
  • Financial Crime and Compliance
  • Product and Identity teams

Pension schemes and providers

Heka helps pension schemes, trustees, administrators, insurers and annuity providers trace members globally, identify mortality status, restore incomplete member records and locate next of kin.

Relevant teams

  • Pension trustees
  • Scheme managers
  • Pension administrators
  • Data and tracing teams
  • Risk and compliance teams
  • Insurers and annuity providers

Insurers and credit underwriters

Heka helps insurers and credit issuers obtain additional identity and adverse-risk evidence, identify relevant affiliations and anomalies, accelerate straightforward cases and prioritize applications requiring further investigation.

Relevant teams

  • Underwriting
  • Credit Risk
  • Insurance Risk
  • Investigations
  • Compliance
  • Manual Review

Heka’s three solutions

Identity Fraud Detection

Built for digital consumer lenders, digital banks, credit card issuers, and fintechs and neobanks. Detects sophisticated third-party identity fraud – including AI-driven, synthetic and stolen identities and account takeover risk – that existing controls miss. Net-new signals are cross-validated into an explainable 0–100 identity risk score. In one customer evaluation, Heka identified 48% more fraud for a digital lender; performance varies by portfolio and use case.

Used by fraud, identity risk, credit risk, data science and manual-review teams.

Pensions Member Tracing

For pension schemes, trustees, administrators, insurers and annuity providers. Uses global identity data to trace pension members, identify mortality status, restore incomplete records and find next of kin – even after previous tracing has failed. In one scheme-wide exercise, Heka identified members in 61 countries.

Used by trustees, scheme managers, administrators and data and tracing teams.

Underwriting Risk Signals

For insurers and credit issuers. Surfaces adverse intelligence, affiliations and identity anomalies that traditional underwriting data may miss – helping teams accelerate straightforward cases and prioritize applications that need further investigation. Findings cover legal proceedings, affiliations, adverse media and anomalies, and the underwriting decision remains with the customer’s team.

Used by underwriting, credit risk, insurance risk, investigations and compliance teams.

What makes Heka different

Global identity data
Coverage that follows people across borders, rather than stopping at a single national registry or credit file.
Net-new intelligence
Digital, social, contact, public-record and breach signals that traditional bureau and verification data do not provide.
Cross-validated identity data
Signals are cross-referenced, filtered and scored to reduce false positives and surface verifiable insights.
Explainable identity risk signals
Clients receive source links and contextual evidence for every insight, ensuring auditability and trust.
Works with existing workflows
Available through API, batch file or analyst workflow – without replacing existing systems.

Common questions about Heka

What is identity intelligence?

Identity intelligence is evidence about a person drawn from independent external sources and compared against each other. It shows whether the sources agree, how current the information is and which signals need attention. Heka provides identity intelligence for financial services.

What is identity risk?

Identity risk is the possibility that the person behind an application, account, policy or member record is misrepresented, compromised, outdated or connected to information that could affect a financial decision.

How does Heka detect AI-driven identity fraud?

Heka compares global digital, social, contact, public-record and breach data to find inconsistencies and relationships that verification, credit bureau, device and KYC checks may not reveal. It assesses the identity itself, not whether an image or document was generated by AI.

Can Heka detect synthetic and stolen identities?

Yes. A synthetic identity often lacks a consistent history across independent sources. A stolen identity often pairs a real person’s details with contact data or activity that does not match their established footprint. Heka surfaces both as explainable signals.

How does Heka identify account takeover risk?

Heka compares the identity behind an account with its established footprint across independent sources. Recently created or changed contact details, breach exposure and attributes that no longer align with the account holder are returned as signals for review.

How does Heka help digital lenders detect identity fraud?

Digital lenders approve applicants remotely, often with thin or no credit files. Heka cross-validates global digital, social, contact and breach data on each applicant to detect synthetic, stolen and AI-driven identity fraud that bureau and KYC checks cleared, and returns an explainable identity risk score.

How does Heka help banks and credit card issuers assess identity risk?

Banks and credit card issuers use Heka at account opening and on existing accounts to assess third-party identity fraud and account takeover risk. Heka compares each identity with its footprint across independent sources and returns explainable signals that fraud and manual-review teams can act on.

How does Heka support pension schemes with international member tracing?

Pension schemes, trustees and administrators use Heka’s global identity data to trace members who have moved abroad, identify mortality status, restore incomplete records and find next of kin, including after previous tracing has failed. In one scheme-wide exercise, Heka identified members in 61 countries.

How does Heka support insurers and credit underwriters?

Insurers and credit underwriters use Heka to obtain adverse intelligence, undisclosed affiliations, legal proceedings and identity anomalies that traditional underwriting data may miss. This helps them accelerate straightforward cases and prioritize applications for investigation; the underwriting decision remains with the customer’s team.

Company information

Legal entities
Heka Global Inc. · Heka Solutions Ltd.
Registered address
85 Broad Street
New York, NY 10004
Offices
New York (headquarters) · London (UK business) · Tel Aviv (R&D)
Funding
$14 million Series A led by Windare Ventures, with participation from Barclays, Cornèr Banca and other institutional investors (announcement, July 2025).
Contact
Contact form · Data protection: privacy@hekaglobal.com

Security and privacy

  • GDPR and UK GDPR-compliant
  • ISO 27001 and SOC 2-certified
  • Data stored on AWS in the EU (Ireland), encrypted at rest and in transit

Details: Trust Center · Privacy Policy · Platform Privacy Notice

Canonical pages