Kora Sentinel — Elder Protection

Detect Elder Financial Exploitation
Before It's Too Late

Kora Sentinel monitors elderly customer accounts in real time, detecting signs of financial abuse — from POA misuse to romance scams — and alerts your compliance team before harm occurs. Purpose-built for banks and fintechs with vulnerable customer obligations.

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THE PROBLEM

The Scale of Elder Financial Exploitation

$28.3B

Annual losses

Estimated annual financial losses from elder exploitation in the US alone

1 in 5

Seniors affected

One in five older adults experience financial exploitation

90%

Unreported

Vast majority of elder exploitation cases go unreported to authorities

< 5%

Banks detect

Fewer than 5% of financial institutions have dedicated detection systems

DETECTION CAPABILITIES

7 Categories of Detection

Comprehensive coverage of the most common exploitation patterns

Power of Attorney Abuse

Detect unauthorized or excessive use of POA authority — unusual transaction patterns, self-dealing, and changes to account beneficiaries.

Account Draining

Monitor for systematic withdrawal of funds — rapid balance depletion, increased transaction frequency, and new payees appearing suddenly.

Scam Recognition

Identify signatures of common scams targeting seniors — romance scams, tech support fraud, grandparent scams, and lottery/prize schemes.

Cognitive Decline Indicators

Track behavioral changes that may indicate cognitive decline — duplicate payments, unusual transaction times, erratic spending patterns.

New Relationship Exploitation

Flag suspicious new relationships — sudden new payees, caregiver financial access, and uncharacteristic gift-giving patterns.

Isolation Markers

Detect signs of social isolation — reduced normal activity, cessation of regular payments, withdrawal from community engagement.

Lifestyle Changes

Monitor for abrupt lifestyle changes — significant spending pattern shifts, new recurring payments, or cessation of long-standing subscriptions.

RISK SCORING

Exploitation Risk Score (ERS)

Every protected profile receives a continuously updated risk score from 0 to 100, calculated from weighted signals across all detection categories.

0-40: Normal — routine monitoring, no action required
41-60: Elevated — automated alerts generated for compliance review
61-80: High — case automatically created, assigned to analyst
81-100: Critical — immediate transaction hold, priority escalation
Weighted scoring across all 7 detection categories
Configurable thresholds per institution and customer segment
Full audit trail of every score change for regulatory examination

PLATFORM FEATURES

Built for Compliance Teams

Everything your team needs to protect vulnerable customers and satisfy regulatory obligations.

Real-Time Monitoring

Continuous surveillance of protected accounts. Every transaction, every login, every change — evaluated against detection rules in real time.

Regulatory Ready

Full audit trail, case documentation, and examination-ready reports. Designed to satisfy CFPB elder abuse guidance and state fiduciary requirements.

Smart Escalation

Automated escalation paths based on risk score thresholds. From analyst alert to case creation to transaction hold — no manual triage needed.

Platform Integration

Connects to Kora Compliance case management, transaction monitoring, and core banking via webhooks. No standalone silo.

Protect Your Customers Today

Schedule a demo to see how Kora Sentinel detects exploitation patterns in real time.

Request a Demo

All Kora Sentinel Features

Real-time exploitation detection across 7 categories

Exploitation Risk Score (ERS) — 0 to 100 weighted scoring

10 built-in detection rules with configurable thresholds

Auto-escalation — alerts at 41+, cases at 61+, transaction holds at 81+

Power of Attorney abuse detection

Account draining and unusual withdrawal pattern monitoring

Scam signature recognition (romance, tech support, grandparent scams)

Cognitive decline indicator tracking

New relationship and isolation pattern analysis

Compliance dashboard with protected profile timelines

Integration with case management and transaction monitoring

Full audit trail for regulatory examination

Detect Elder Financial Exploitation Before It's Too Late

The Scale of Elder Financial Exploitation

7 Categories of Detection

Power of Attorney Abuse

Account Draining

Scam Recognition

Cognitive Decline Indicators

New Relationship Exploitation

Isolation Markers

Lifestyle Changes

Exploitation Risk Score (ERS)

Built for Compliance Teams

Real-Time Monitoring

Regulatory Ready

Smart Escalation

Platform Integration

Protect Your Customers Today

All Kora Sentinel Features

The Scale of Elder Financial Exploitation

7 Categories of Detection

Power of Attorney Abuse

Account Draining

Scam Recognition

Cognitive Decline Indicators

New Relationship Exploitation

Isolation Markers

Lifestyle Changes

Exploitation Risk Score (ERS)

Built for Compliance Teams

Real-Time Monitoring

Regulatory Ready

Smart Escalation

Platform Integration

Protect Your Customers Today

Detect Elder Financial Exploitation
Before It's Too Late