Death verification for financial institutions
ObituaryMonitor provides obituary-based death signals for banks, credit unions, fintech platforms, lenders, and account-servicing teams that need an additional input for account servicing, fraud, risk, compliance, and customer-review workflows.
Platform capabilities used in verification workflows
16,187+
Digital notice sources
Monitored funeral-home and related digital notices
Inventory + historical
Coverage modes
Stored listing inventory with multi-year historical search options
Source-backed
Evidence
Match results include source attribution when a notice is found
Batch · API · Monitor
Delivery
One-time portfolio screens, Verify API, and ongoing watches
How results should be interpreted
Signal → identity match → institutional decision
Death-related published signal
An obituary or funeral-home notice appears in monitored sources. This is a published-input signal — not a death certificate.
Identity matching
Identifiers from your file are compared to the notice. Supporting and conflicting context informs confidence — fields absent from the source are treated as unavailable, not assumed.
Customer-controlled decision
Your reviewers apply policy. Account action, fraud disposition, and customer handling stay with your institution.
Use cases for deceased-customer screening
Built for portfolio death screening and bank and fintech death-verification workflows — without inventing separate thin pages for each segment.
Deceased-customer screening
Add published-notice signals to existing screening queues so reviewers can prioritize accounts that may need servicing review.
Account servicing and closure review
Surface potential deceased-status context before closure, beneficiary, or estate-handoff steps — identity match confidence stays separate from the operational decision.
Fraud and identity-risk investigations
Give fraud and identity teams an additional obituary-based input when investigating mismatched identity claims or suspicious account activity.
Portfolio and batch review
Run one-time or periodic portfolio screens across customer cohorts without promising that every identity field is available on every record.
Ongoing customer monitoring
Keep selected portfolios on continuous watch for new obituary or funeral-home notices as an ongoing input — not a substitute for official registries.
Supporting evidence for manual review
Attach source links, match confidence, and supporting identity details so analysts can make the final disposition inside your own policy and controls.
End-to-end workflow
From portfolio intake to analyst review — delivery mode changes; interpretation stages do not.
Step 1
Customer portfolio
Identifiers your policy allows
Step 2
API / batch / monitoring
Chosen delivery path
Step 3
Obituary-source matching
Published-notice search
Step 4
Confidence & evidence
Match context + sources
Step 5
Customer review
Your operational decision
Delivery options
Choose batch, API, ongoing monitoring, or a hybrid. Interpretation stages stay the same.
One-time batch screening
Upload or transfer a customer list for a defined review window. Results return as signals with evidence where available for analyst queues.
API verification
Look up individual or system-driven verification requests via the Death Verification API and route structured responses into CRM or case tools.
Ongoing portfolio monitoring
Maintain watches on enrolled customers so newly published notices can trigger review workflows over time.
Manual review and evidence workflows
Reviewers evaluate source context and match confidence, then your institution decides the account action.
Product demonstration · fictional sample
Inputs and outputs
Illustrative request and response shapes. Names and values below are invented for demonstration — not real customers. Field presence varies by source; we do not promise data that the underlying notice does not contain.
Sample input
{
"full_name": "Jordan A. Exampleton",
"dob": "1948-03",
"city": "Springfield",
"state": "IL",
"delivery": "batch | api | monitoring"
}Optional fields improve matching when available. Missing optional fields are normal — they are not inventable from the notice.
Sample returned evidence
Match reasons (illustrative)
- Name token alignment with published notice
- Birth year consistent with available source detail
- Location overlap (city/state) — street not present on source
Source evidence (when available)
Publisher: Example Memorial Chapel (fictional)
Source URL: https://example.invalid/obituaries/demo-notice
Snapshot: retained when capture succeeds
Evidence and auditability
Review surfaces are organized around evidence types your analysts already expect in diligence files.
Original source
Linked obituary or funeral-home page attribution when a notice is found.
Identity context
Which submitted identifiers aligned, conflicted, or were unavailable on the source.
Confidence explanation
Contextual scoring for the identity match — separate from your operational disposition.
Retained evidence
Snapshots or evidence artifacts included where capture is available.
Governance limits
- A result is a signal for review, not an official government death certificate and not a legal determination of death.
- Identity matching explains alignment with a published notice — it does not authorize account closure, fraud disposition, or customer communication by itself.
not_foundis not proof of life and should not replace vital records or your internal standards when those are required.
Built for banks, credit unions, fintech, and lenders
Retail and commercial banking teams use deceased-customer screening to surface accounts that may need servicing review. Credit unions apply the same portfolio death screening patterns to membership and loan files. Fintech platforms and lenders often embed API verification into onboarding, collections handoffs, or risk queues. Fraud and identity teams use source evidence as supporting context during investigations. Account-servicing groups route matches into manual review before any customer-facing action.
Rather than fragmenting into thin bank-, fintech-, and credit-union-only pages, this page establishes one authoritative cluster for death verification for financial institutions — with links out to the Death Verification API, death verification service, and compliance overview.
Request a pilot
Tell us about your organization and workflow categories. We will confirm receipt and follow up if a pilot conversation is appropriate.
What happens next
- Submitting this form confirms receipt only— it does not approve or provision a pilot.
- Do not submit customer names, account numbers, sample records, or other personal information through this form.
- Pilot scope, evaluation criteria, and data-handling expectations are agreed with your team before any provisioning.
Prefer the product overview and sample payloads? Review the Death Verification API.
Frequently asked questions
Is an obituary match an official death certificate?
No. ObituaryMonitor returns obituary-based death signals with source attribution and identity-match context. A result is an input for review — not a government death certificate, not a legal determination of death, and not your institution’s final operational decision.
What does not_found mean?
not_found means no matching published notice was found in the sources searched for the submitted identifiers. It is not proof of life and should not be treated as an official vital-record result.
How do banks, credit unions, and fintechs typically use this?
Teams use deceased-customer screening, account-servicing review, fraud and identity investigations, portfolio batch review, and ongoing monitoring. One authoritative workflow page covers those audiences; delivery can be batch, API, or continuous monitoring depending on your stack.
What identity fields are required?
Fuller identity context generally improves match confidence, but fields available in obituaries and funeral-home pages vary. Submissions may include name plus optional date of birth, location, and other categories your file supports — never assume every field is present in every source.
Who makes the final account decision?
Your institution. ObituaryMonitor provides the published-notice signal and identity-matching context. Account servicing, fraud disposition, compliance actions, and customer communications remain under your policies and controls.
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