Beyond the Document: How Lenders Are Fighting Synthetics, Bust-Outs, and AI-Enabled Fraud

About the Webinar

PRESENTER:

• Jessica Gonzalez, General Manager of Auto and Vice President of Customer Success, Informed.IQ

ABOUT THE WEBINAR:

Auto lending fraud is no longer slow-moving or easy to spot. Organized fraud rings using AI-generated documents, synthetic identities, and bust-out schemes are outpacing the risk models and verification systems most lenders have in place today. In fact, three-quarters of lenders say fraud has increased materially year over year, and 55 percent say their loans carry double-digit losses attributable to document fraud, according to Informed’s 2026 Auto Finance Fraud Intelligence Survey.

This session digs into how the fraud landscape has shifted and what lenders are doing about it. Jessica Gonzalez of Informed.IQ examines both documentary fraud, where AI fabrication now defeats visual inspection entirely, and non-documentary fraud, where synthetic identities and bust-out patterns exploit gaps invisible to any single lender. Attendees will learn how cross-lender network intelligence, non-documentary verification strategies, and purpose-built AI are helping forward-looking institutions detect fraud earlier, protect their portfolios, and maintain the funding speed borrowers and dealers expect.

THIS WEBINAR WILL COVER: 

• How synthetic identities and bust-out fraud are constructed, why they pass traditional credit scoring, and why organized fraud rings can only be detected through cross-lender network intelligence.
• How AI-generated documents now defeat manual and legacy verification systems, and how purpose-built document forensics detects misrepresentation across metadata, formatting, issuer validation, and cross-lender duplicate data.
• What credit policy adjustments, non-documentary verification strategies, and AI investments forward-looking lenders are making today to protect portfolios without sacrificing funding speed.

TOP 3 BENEFITS TO ATTENDEES:

1. Get a sharper read on the cost of inaction based on Informed’s recent industry survey, showing what delayed investment in fraud detection is doing to portfolios right now.
2. Learn what leading lenders are doing right now, from credit policy updates to non-documentary verification investments, to close the gap between where their controls sit and where fraud is operating.
3. Gain practical context on the evolving regulatory environment for AI in lending, including state enforcement trends and model governance expectations compliance teams need to prepare for.

ABOUT OUR PRESENTER:

Jessica Gonzalez

General Manager of Auto and Vice President of Customer Success, Informed.IQ

Jessica Gonzalez is a strategic leader at the intersection of automotive finance, risk management, and digital innovation. As General Manager of Auto and Vice President of Customer Success at Informed.IQ, she partners with leading financial institutions to navigate evolving fraud threats and modernize lending operations. With experience at global organizations including Visa and Santander, Jessica brings a practitioner-first approach to building verification frameworks that help lenders detect fraud, meet regulatory expectations, and grow responsibly. A 40 Under 40 in Auto honoree, she is a frequent speaker on AI, fraud, and the future of automotive lending.

**CBA Webinars are free for all CBA members. Please login to register. If you have any questions or need assistance with registration please reach out to Isabella Brennan (ibrennan@consumerbankers.com).