PDF editing software traces
When a file carries signs it was modified after the bank produced it, MetrikData flags it. A statement that should be an untouched bank export but shows evidence of later editing is worth a closer look.
Bank statement verification
Catch a doctored statement before it reaches your funding decision
A single altered statement can turn a deal that looks safe into a loss. MetrikData reads the merchant’s bank-statement PDFs and surfaces the signs a file may have been edited or fabricated — as flags for a human to review, with the evidence attached. It helps your team catch a doctored statement faster. It never declares one fake, and it never makes the decision for you.
- Traces left by PDF editing software
- Font and formatting irregularities
- Balances that don’t reconcile against the transactions
- Original bank export vs. edited document signals
The problem
Why a fabricated statement is so hard to catch by eye
Editing a PDF is no longer a specialist skill. A merchant under pressure can inflate a few deposits, soften a run of negative-balance days, or erase an existing advance — and the result can look entirely ordinary on a quick scroll. The numbers add up at a glance, the layout looks like a real bank statement, and nothing jumps out. By the time a doctored file is funding a deal, the damage is already done.
The tells are usually subtle and spread across the document: a font that doesn’t match the rest of the page, a running balance that quietly stops reconciling after an edited line, a total that’s off by a few dollars, or traces left behind by the software used to change the file. Catching those by hand, line by line, across a stack of statements is slow and easy to get wrong. MetrikData was built to surface them quickly — and to put the evidence in front of a person, not behind a verdict.
What it flags
Signals worth a closer look
MetrikData surfaces signs that a statement may have been altered or fabricated as reviewable flags — each one tied to where it was found, so your team can judge it. These are signals for human review, not a fraud verdict.
Font & formatting irregularities
Fonts and layout that don’t match what a genuine statement from that bank looks like — a mismatched typeface on a single line, uneven spacing, an out-of-place number — are surfaced for review.
Balance reconciliation checks
MetrikData walks the running daily balances against the listed transactions to see whether they actually reconcile. A balance that stops adding up after a given line is a common fingerprint of an edited statement.
Totals consistency
Listed totals are checked against the sum of the underlying transactions. When the stated totals and the line items disagree, the discrepancy is flagged so you can see exactly where the numbers part ways.
Original vs. edited document signals
MetrikData weighs whether a document looks like an original bank export or something generated or edited afterward, and surfaces that signal rather than burying it.
Evidence you can review
Every flag points to where it was found — the line, the balance, the total. Nothing is a black box: your team confirms each signal against the document before it informs a decision.
In practice
From upload to a reviewable picture in minutes
Upload the statements
Drop in the merchant’s bank-statement PDFs — text-based or scanned. MetrikData reads every transaction and daily balance and begins checking the document for authenticity signals.
Review the flagged signals
See the signs worth a closer look gathered in one place — editing traces, font and formatting irregularities, balances that don’t reconcile, totals that don’t match — each with the evidence behind it.
Verify against the transactions and decide
Click into any flag to check it against the underlying transactions and balances. These are signals for your review, not a fraud verdict. Weigh them, and the funding decision stays yours.
How to read the flags
Signals for your review — not a fraud verdict
MetrikData does not declare a statement fake, and it cannot promise to catch every kind of tampering. What it does is surface the signs that a file may have been altered or fabricated, gather them in one place, and attach the evidence — so a person can look closer, faster, at the documents that warrant it.
A flag is an invitation to verify, not a conclusion. Some flags will have an innocent explanation; others will be the thread that unravels a doctored statement. MetrikData helps your team spot which files deserve a second look. It never outputs a genuine-or-fake judgment, and it never makes the funding call. That decision stays with you.
FAQ
Common questions
Does MetrikData guarantee a statement is genuine?
No. MetrikData does not declare a statement genuine or fake and cannot promise to catch every kind of tampering. It surfaces signs that a file may have been edited or fabricated and attaches the evidence, so a person can look closer. The flags are for your review, not a verdict.
What kinds of tampering can it flag?
MetrikData flags traces left by PDF editing software, font and formatting irregularities, running balances that stop reconciling against the transactions, listed totals that don't match the line items, and documents that look generated or edited rather than exported by a bank. Each flag points back to where it was found.
Does it work on scanned statements?
Text-based PDF statements give the richest set of authenticity signals. Scanned or image-based statements are read via OCR and still support checks like balance and totals reconciliation, though some metadata and font signals depend on the underlying text being present.
Does it decide whether to fund?
No. MetrikData surfaces authenticity flags for your review and never outputs a genuine-or-fake judgment or a funding decision. It helps your team spot which files deserve a second look; the funding call stays with you.
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