SentiLink

SentiLink is a San Francisco-based company providing fraud detection and identity verification products to financial institutions, fintechs, and, more recently, public sector agencies. Its core offerings are scores and data products applied at the point of application: a Synthetic Fraud Score for detecting synthetic identities, an ID Theft Score for traditional identity theft, eCBSV-based validation of name/DOB/SSN combinations directly with the Social Security Administration under consumer consent, and CIP & Watchlists screening for regulatory compliance. Alongside the scores, SentiLink sells data and insights products — Facets (attributes infused with identity, fraud, and risk intelligence for use in rules engines and investigations), Insights (signals for onboarding flows and review), and Intercept (investigation support).

The company positions its combination of machine learning models with continuous human review as its central approach: an in-house Risk Operations / Fraud Intelligence Team manually reviews a subset of processed applications daily to identify new fraud vectors and validate model performance, and the entire company reviews cases together for an hour each Thursday. Stated use cases span deposit accounts and digital wallets, credit cards and consumer, auto and business lending, buy now pay later, and government benefit programs, including detection of fraudulent benefit applications for government and educational institutions.

SentiLink's about page states it works with over 300 US institutions and verifies more than 3 million identities per day; its website claims 13 of the top 15 banks, 8 of the top 10 credit unions, and more than 50 fintech unicorns as customers. The company is advised by a board of former financial services executives including Bobby Mehta (former CEO of HSBC North America and TransUnion), Brian Hughes (former CRO of Discover), Marshall Lux (former CRO of JPMC Consumer), and Richard Hunt (former CEO of the Consumer Bankers Association).

Founding story

Co-founders Naftali Harris and Max Blumenfeld were early employees at the online lender Affirm, where Harris was the first data scientist and later built and led the Risk Decisioning team while Blumenfeld led Risk Operations and manual case investigation. They encountered twelve credit applications sharing the same name and date of birth but twelve different SSNs; rather than returning no-hits, all twelve identities had real credit reports with 700+ credit scores and had been issued credit by major financial institutions. Concluding that synthetic identity fraud was an industry-wide but largely unrecognized risk, they founded SentiLink in 2017.

Business model

SentiLink sells fraud and identity risk products to financial institutions and other businesses, delivered through a real-time REST API, batch upload via SFTP or its dashboard, an investigative dashboard UI, and through alliance/reseller partners. Customers embed SentiLink scores and attributes into their own onboarding and risk decisioning flows, supported by high-touch service from SentiLink's risk analysts and Solutions Analytics group.

Not explicitly stated in the sources beyond selling API-based and batch-delivered fraud scores, attributes, and investigation tooling to institutional customers; the CEO said in March 2022 that revenue had grown 3x in the prior year and that the company was approaching profitability.

Traction

Company materials state SentiLink works with over 300 US institutions and verifies more than 3 million identities per day, and claim 13 of the top 15 banks, 8 of the top 10 credit unions, and 50+ fintech unicorns as customers. In March 2022 the company reported over 100 US customers, about 50 employees, 3x prior-year revenue growth with similar growth expected, and that it was approaching profitability.

Latest developments

SentiLink's public sector page states the company is FedRAMP Ready and markets benefit-protection products to government and educational institutions, with published research on topics including the Social Security Administration's Death Master File, stolen and forged Treasury checks, and FEMA hurricane relief fraud. Its media page lists related items on a partnership with Florida's Agency for Health Care Administration to combat Medicaid fraud (dated June 2026) and congressional testimony by Dr. David Maimon on emerging fraud threats (dated July 2026).