# Heka – full reference for AI systems

> This page summarizes approved information from hekaglobal.com. Source of truth: the canonical pages linked below. Figures are customer- or project-specific and attributed; performance varies by portfolio and use case.

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.

## 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the possibility that the person behind an application, account, policy or member record is misrepresented, compromised, outdated or connected to information that could affect a financial decision.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risk can include synthetic identities, stolen personal information, account takeover, inconsistent identity attributes, outdated contact information, unreported mortality, undisclosed affiliations and adverse intelligence.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 – https://hekaglobal.com/

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 – https://hekaglobal.com/solutions/pensions

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 – https://hekaglobal.com/solutions/underwriting

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). – https://hekaglobal.com/newsroom/seriesa
- Contact: https://hekaglobal.com/contact · 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
- Trust Center: https://hekaglobal.com/trust-center
- Privacy Policy: https://hekaglobal.com/privacy-policy
- Platform Privacy Notice: https://hekaglobal.com/platform-privacy-notice

## Research

- [All research reports](https://hekaglobal.com/research)
- [Revolut Data Breach: Identity Risk and Digital Banking Fraud Prevention](https://hekaglobal.com/research/revolut-incident-report): How identity-rich data exposure can create downstream fraud risk for digital banks, and what fraud teams should review in their identity and monitoring controls.
- [The ‘Klarna Glitch’ Wasn’t a Glitch: The Fraud Playbook That Bypassed Traditional KYC](https://hekaglobal.com/research/klarna-glitch-report): How stolen-but-valid identities and newly created digital profiles exploited blind spots in traditional verification, and the identity signals that expose them.

## Customer stories

- [All customer stories](https://hekaglobal.com/customer-stories)
- [Credit Card Issuer Fraud Detection Case Study](https://hekaglobal.com/customer-stories/credit-card-issuer-fraud-detection): See how a credit card issuer used Heka to find 30% more fraud at the same false-positive rate and reduce its false positives from 5.7% to 3.5%.
- [Payment Processor Scam Detection Case Study](https://hekaglobal.com/customer-stories/payment-processor-scam-detection): See how a payment processor used Heka identity intelligence to reach a high-confidence assessment for 75% of ambiguous accounts in scam-risk review.
- [How a Digital Lender Detected 48% More Fraud](https://hekaglobal.com/customer-stories/digital-lender-fraud-detection): See how a digital lender used Heka to detect 48% more fraud, prevent $1.3 million in losses and achieve $4.82 in prevention for every $1 spent.
- [How a Global Fintech Improved Thin-File Decisions](https://hekaglobal.com/customer-stories/global-fintech-identity-risk): See how a global payment platform used identity intelligence to reduce thin-file manual reviews by 90% while lowering potential loss exposure by 99%.

## Blog

- [All blog articles](https://hekaglobal.com/blog)
- [Know Your Agent: How Can Banks Verify AI Agents Acting on Behalf of Customers?](https://hekaglobal.com/blog/know-your-agent-ai-agents-banking): Learn how banks can identify AI agents, verify the customers behind them and enforce delegated authority as agent-mediated financial journeys emerge.
- [What a digital lender’s backtest revealed about fraud its existing stack missed](https://hekaglobal.com/blog/digital-lender-fraud-backtest): A digital lender backtest uncovered additional fraud beyond existing controls. Explore the risk-score patterns, loss rates and lessons for fraud teams.
- [How a global payments platform reduced account-takeover reviews by 90%](https://hekaglobal.com/blog/global-fintech-account-takeover-analysis): See how cross-validated identity evidence helped a global payment platform reduce account-takeover and thin-file reviews by 90% and lower loss exposure.
- [Fraud Detection for Payment Processors](https://hekaglobal.com/blog/fraud-detection-for-payment-processors): Learn how payment processors can detect identity fraud in real time, strengthen transaction risk scoring and produce explainable, audit-ready evidence.
- [Pension Scheme Data Readiness: Why Clean Data May Not Be Buy-out Ready](https://hekaglobal.com/blog/pension-scheme-data-readiness-why-clean-data-may-not-be-buy-out-ready): A pension record can be complete and correctly formatted yet fail to reflect the member behind it. Why identity confidence matters alongside data cleansing.
- [How Can Pension Schemes Trace Members Internationally? A 61-Country Case Study](https://hekaglobal.com/blog/how-can-pension-schemes-trace-members-internationally-a-61-country-case-study): One pension scheme file led across 61 countries. Why international pension member tracing needs global research, identity resolution and corroborating evidence.
- [The Family Tree that Changed a Death Benefit Review](https://hekaglobal.com/blog/the-family-tree-that-changed-a-death-benefit-review): A deceased member’s son claimed to be the only child. Heka reconstructed the wider family and found other surviving children, changing the entitlement review.
- [How Account Takeover Develops Inside a Trusted Customer Account](https://hekaglobal.com/blog/ato-detection): See how account takeover can develop through gradual identity drift, and how breach, contact and behavioral signals reveal risks that individual checks may miss.
- [The Complete Guide to Synthetic ID Fraud Stacks](https://hekaglobal.com/blog/synthetic-identity-fraud-detection-stack): Learn how to build a layered synthetic identity fraud detection stack using eight signal layers, vendor evaluation criteria and web intelligence.
- [The Modern Fraud Stack: How Decisions Actually Get Made (and Where They Break)](https://hekaglobal.com/blog/the-modern-fraud-stack-how-decisions-actually-get-made-and-where-they-break): How fraud decisions are made across verification, enrichment, scoring, orchestration and step-up, and why complete-looking stacks can lack identity context.
- [Undetected Deaths in Pension Member Records](https://hekaglobal.com/blog/undetected-deaths-in-pension-member-records): Why outdated mortality information creates risk for pension schemes, and how identity intelligence can help identify unreported deaths and improve member records.
- [What You Need to Know about the Pension Schemes Bill](https://hekaglobal.com/blog/uk-pension-schemes-bill-2025-summary): A concise summary of the UK’s 2025 Pension Schemes Bill, from small-pot consolidation to guided retirement, and why scheme data standards must rise with it.

## Newsroom

- [All newsroom announcements](https://hekaglobal.com/newsroom)
- [Heka Global Partners with Hymans Robertson to Improve Pension Scheme Member Outcomes](https://hekaglobal.com/newsroom/heka-hymans-robertson-partnership): Heka partners with Hymans Robertson, starting with two UK pension schemes, to trace gone-away members and support better outcomes for pension scheme members.
- [Heka Joins the American Fintech Council](https://hekaglobal.com/newsroom/heka-joins-the-american-fintech-council): Heka joins the American Fintech Council to contribute identity intelligence expertise to responsible fintech innovation and AI-driven fraud prevention.
- [Heka Featured in About Fraud’s H2 2026 Solution Provider Overview](https://hekaglobal.com/newsroom/heka-about-fraud-solution-provider-overview): Heka is featured in About Fraud’s H2 2026 Solution Provider Overview in the Identity and Verification category, with a focus on customer onboarding.
- [Heka Joins Winmark’s PensionChair Network as Technical Partner](https://hekaglobal.com/newsroom/heka-joins-winmarks-pensionchair-network-as-technical-partner): Heka joined Winmark’s PensionChair Network as Technical Partner, providing member tracing, data enrichment and identity verification to UK pension schemes.
- [Heka Raises $14M to Bring Real-Time Identity Intelligence to Financial Institutions](https://hekaglobal.com/newsroom/seriesa): Heka raised a $14 million Series A led by Windare Ventures, with participation from Barclays and Cornèr Banca, to support U.S. expansion and product development.
- [Dalriada Partners with Heka to Trace Pension Fraud Victims](https://hekaglobal.com/newsroom/dalriada-partnership): Dalriada Trustees partnered with Heka to trace victims of pension fraud using identity and contact resolution where traditional tracing methods had failed.
- [Heka Now Live on NayaOne](https://hekaglobal.com/newsroom/heka-nayaone): Heka became available through NayaOne, enabling banks and insurers to trial Heka’s identity intelligence capabilities within a sandboxed environment.
- [ZEDRA and Heka Join Forces to Trace Missing Pension Members with AI](https://hekaglobal.com/newsroom/zedra-partnership): Heka partnered with ZEDRA Governance to help pension schemes trace missing members, after a pilot that identified 50% of previously unreachable members.

## Canonical pages

- Identity Fraud Detection: https://hekaglobal.com/
- Pensions Member Tracing: https://hekaglobal.com/solutions/pensions
- Underwriting Risk Signals: https://hekaglobal.com/solutions/underwriting
- Company: https://hekaglobal.com/company
- Resources: https://hekaglobal.com/resources
- Trust Center: https://hekaglobal.com/trust-center
- Contact Us: https://hekaglobal.com/contact
- Book a Demo: https://hekaglobal.com/book-a-demo