82
/100
TT-2026-00017CRITICAL

David Kowalski

AI-generated payslip caught by multiple modules

Loan Amount
$890,000
Documents
1
Flags
6
Broker
Premier Lending Solutions
Recommended: Reject

Critical issues detected. This application should not proceed without escalation.

Analysis Summary

High-confidence AI-generated document. PDF was created in Google Chrome (not a payroll platform), contains 5 different font families (hallmark of copy-paste fabrication), and gross minus tax does not equal net pay. The stated employer ABN is registered to a completely different business name. Multiple critical flags warrant immediate rejection.

Select a document above to view the original PDF and see which fraud flags were detected in it

Fraud Flags (6)

AI Content Detection(1)
CRITICALHigh-confidence AI-generated contentAI_GENERATED_HIGH

Claude analysis indicates this payslip was likely generated using an AI tool. The document uses generic payslip formatting not matching any known Australian payroll platform. Terminology inconsistencies include "Basic Salary" (UK convention) instead of "Base Salary" or "Ordinary Earnings" (Australian convention). Super fund name "Australian Super Fund" is generic — likely fabricated.

Evidence
confidence: 0.94
indicators: generic_template, uk_terminology, generic_super_fund, no_payroll_platform_signature
PDF Forensics(2)
CRITICALPDF not created by payroll softwareSUSPICIOUS_PRODUCER

PDF producer is "Google Chrome 121.0" — legitimate payslips are generated server-side by payroll platforms (Xero, MYOB, KeyPay). Browser-generated PDFs suggest manual creation or print-to-PDF from a fabricated web page.

Evidence
producer: Google Chrome 121.0
expected producers: Xero, MYOB, KeyPay, Employment Hero
HIGHAbnormal font variety in documentEXCESSIVE_FONTS

Five distinct font families detected: Roboto, Arial, Helvetica, Times New Roman, Courier New. Legitimate payslips typically use 1-2 fonts from the payroll platform's template. Five fonts strongly indicates copy-paste assembly.

Evidence
font count: 5
fonts: Roboto, Arial, Helvetica, Times New Roman, Courier New
Consistency Check(2)
CRITICALGross minus tax does not equal net payPAYSLIP_MATH_WRONG

Gross: $12,916.67, Tax: $3,458.00, Listed Net: $9,158.67. Calculated net should be $9,458.67. Discrepancy of $300.00 — the fabricator likely typed the wrong figure.

Evidence
gross: 12916.67
tax: 3458
listed net: 9158.67
calculated net: 9458.67
discrepancy: 300
MEDIUMSuperannuation rate does not match SGCSUPER_RATE_OFF

Listed super: $968.75 on gross $12,916.67 = 7.5% rate. Current SGC rate is 11.5%. Underpayment of super in a payslip is a red flag — fabricators often use outdated rates.

Evidence
listed super: 968.75
gross: 12916.67
actual rate: 7.5
expected rate: 11.5
Cross-Reference(1)
HIGHEmployer ABN registered to different entityABN_NAME_MISMATCH

Payslip states employer as "Nexus Digital Solutions Pty Ltd" with ABN 23456789012. ABN Lookup returns this ABN as registered to "Sunrise Bakery Holdings Pty Ltd" — a completely different business.

Evidence
stated employer: Nexus Digital Solutions Pty Ltd
abn: 23456789012
registered name: Sunrise Bakery Holdings Pty Ltd