Alora27
Banks & Reverse Mortgage · 2–3 Minutes
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For Banks &
Reverse Mortgage Servicers

Alora27 Death Intelligence Platform

Fraud PreventionCompliance Audit Trail30% Cost Savings

Major bank — annual exposure estimate

$172M
Annual Exposure

800K deceased accounts × $55 manual processing + fraud losses on late-notified accounts. This is one institution.

REVERSE MORTGAGE

60–90 Day Blind Spot

When a borrower dies the loan becomes due. But servicers wait 60–90 days for SSA data — data that misses credit union members, fintech accounts, and joint borrowers entirely. Every day is interest accruing, collateral degrading, and legal exposure growing.

THE SOLUTION

Alora27 closes that window.

We detect deaths from obituaries, public records, and AI-powered identity resolution — typically within 24 to 48 hours of a passing. We score each signal from zero to one hundred. We deliver to your existing systems via secure API or webhook within seconds of detection.

HOW IT WORKS

Five Layers. One Platform.

  • Death Detection — Obituaries + Public Records + AI within 24–48 hrs
  • Confidence Scoring — 0–100 based on name, DOB, location, relatives
  • Signal Delivery — Secure API or webhook within seconds of detection
  • Certificate Verification — Family upload confirms signal identity
  • Account Action — Full documentation and audit trail for your team

SAMPLE SIGNAL PAYLOAD

signal_idDSG-2026-004821
full_nameRobert James Harrison
date_of_death2026-04-28
locationNew Orleans, Louisiana
identity_notesDOB confirmed · Relative confirmed · Address confirmed
Confidence 87 / 100
HMAC-SHA256 Signed · Rate Limited · Full Audit Log · Delivered within seconds

COMPLIANCE & AUDIT

Built for Your Regulators

  • HMAC SHA256 signed payloads — verify every signal is authentic and untampered
  • Full API access log — every call timestamped and recorded
  • Webhook delivery log — success and failure status tracked
  • Downloadable compliance report PDF — ready for audit review
  • Signal confirmation endpoint — institutions post back when acting on a signal
Before Alora27
  • 47–90 day notification lag
  • $55 per case manual processing
  • Fraud window wide open
  • Phone calls and paper documentation
After Alora27
  • Signal in 24–48 hours
  • Save 30% per notification
  • Fraud window closed
  • API and webhook — automated

REVERSE MORTGAGE SERVICERS

48 hours instead of 60–90 days.

You know about a borrower's death in 48 hours — not two to three months. Loan due date triggered. Collateral protected. Estate notified. Every day of delay eliminated.

Priced at 70% of your current cost.

30-Day Money-Back Guarantee

No long-term contract. No monthly subscription. Per notification only.

alora27.com
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