56
/100
TT-2026-00023HIGH

Emma Thompson

Cancelled ABN and employer mismatch

Loan Amount
$545,000
Documents
2
Flags
4
Broker
Melbourne Mortgage Brokers
Recommended: Manual Review

Flags detected that require human assessment before a decision can be made.

Analysis Summary

The payslip itself appears well-formatted and was produced by MYOB, but the employer ABN 67890123456 was cancelled in October 2024. The employment letter references a different ABN than the payslip. These cross-reference failures suggest the applicant may be using documents from a former employer or a fabricated entity. Recommend manual verification of current employment.

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

Fraud Flags (4)

Cross-Reference(2)
CRITICALEmployer ABN is cancelledABN_CANCELLED

ABN 67890123456 for "Greenfield Construction Pty Ltd" shows status "Cancelled" effective 15 October 2024 on the ABR. A cancelled ABN means the entity is no longer operating — payslips from January 2026 cannot be legitimate.

Evidence
abn: 67890123456
entity name: Greenfield Construction Pty Ltd
status: Cancelled
cancelled date: 2024-10-15
HIGHDifferent ABNs across documentsABN_MISMATCH_ACROSS_DOCS

Payslip references ABN 67890123456 but employment letter references ABN 34567890123. Multiple ABNs for the same employer across application documents is a strong indicator of document fabrication.

Evidence
payslip abn: 67890123456
letter abn: 34567890123
Consistency Check(1)
HIGHEmployment start date conflictsEMPLOYMENT_DATE_CONFLICT

Employment letter states commencement date of March 2025, but ABN was cancelled October 2024 — 5 months before the claimed employment start. The entity could not have employed anyone after cancellation.

Evidence
letter start date: 2025-03-01
abn cancelled date: 2024-10-15
gap months: 5
PDF Forensics(1)
MEDIUMDocument modified after creationMODIFICATION_AFTER_CREATION

PDF creation date: 2025-11-20, modification date: 2026-02-18 (2 days before submission). The payslip was modified 3 months after creation, which is unusual for payroll-generated documents.

Evidence
created: 2025-11-20
modified: 2026-02-18
days before submission: 2