Relationship graph
A representation of the connections between people, companies, addresses and assets, used to surface ties no single record shows.
One borrower linked to 3 prior cases that individual analysis could not see.
Examined alone, a record can look spotless: valid document, no restriction, confirmed address. A graph asks a different question — who is this person connected to — and that is where organized fraud appears.
Fraud at scale reuses resources: the same address, the same phone, the same guarantor, the same operating pattern across cases nobody cross-referenced. Each passes individual analysis precisely because individual analysis cannot see the others.
In practice it is what separates a bad payer from an operation: a borrower whose file was clean turns out, in the graph, to connect to three prior cases of the same kind.