# Heka

> 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.

## 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.
- [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.
- [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.

## Company

- [Heka company facts](https://hekaglobal.com/ai-info): Detect identity fraud. Understand identity risk. Make better financial decisions.
- [Company](https://hekaglobal.com/company)
- [Trust Center](https://hekaglobal.com/trust-center): 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.
- [Contact Us](https://hekaglobal.com/contact)
- [Book a Demo](https://hekaglobal.com/book-a-demo)

## 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.

## Optional

- [Full detail for AI systems](https://hekaglobal.com/llms-full.txt)
- [Resources](https://hekaglobal.com/resources)
- [Privacy Policy](https://hekaglobal.com/privacy-policy)
- [Platform Privacy Notice](https://hekaglobal.com/platform-privacy-notice)