About VINify
We built VINify for the risk that starts after a loan is funded
VINify provides federally authorized title monitoring for lenders. We monitor every title in your portfolio across state lines, every 48 hours, flag fraud signals and tell your team what to do next.
Why we exist
Most vehicle fraud happens after the paperwork is done
VINify’s founders came together after watching lenders lose vehicles they shouldn’t have lost. Not for lack of talent, but for lack of timely visibility.
The industry has invested heavily in front-end controls: identity checks, credit checks and document review. The risk has moved to what happens after funding, when a vehicle can be retitled in another state, shipped out of the country or impounded while the payments keep coming.
We built VINify for that gap.
$10.4 billion
Estimated auto loan fraud exposure
What we believe
You don’t need more dashboards. You need clearer signals after funding, and a team that knows what to do with them.
We can’t eliminate fraud, and we won’t promise to. Our job is to make it hard enough that it stops being worth it.
How we work
What makes VINify different
-
Monitoring, not a one-time report
Others pull a title report once. We keep monitoring the title on every vehicle across state lines, every 48 hours.
-
Service, not software
The value is in the people and the partnership. You get findings and next steps, not another screen to manage.
-
Actionable, not academic
Every finding comes with context and a recommended next step your team can work.
Who we work with
- Banks and captive lenders
- Credit unions
- Floor plan lenders
- Rental and fleet operators
The team
The people behind every finding
Fraud, client delivery, technology and investigations, working side by side with your team.
-
Damion Nonami
Head of fraud
More than 30 years of automotive and fraud experience. Damion spots fraud patterns as they emerge, and where they’re likely to go next.
-
Bethanie Nonami
Client success
35 years in senior technology roles, including IBM. Bethanie leads client delivery, turning findings into action plans your teams can run.
-
Ed Morrow
Law enforcement liaison
With a background in forensic accounting, Ed turns complex data into investigative direction and works with partners on the ground.
-
Betty Waiyego
Technology and infrastructure
Betty works on the infrastructure behind VINify, including the systems architecture that supports how we deliver findings to your team.
We also work with a network of advisors across lending, risk and asset recovery.
Start with 100 VINs
Up to 100 VINs, at no cost to qualified lenders. You get a custom portfolio risk assessment and a do-now action list.
- No commitment
- No integrations
- Just VINs: no borrower names or account numbers
Already seeing the problem? Talk to us about a pilot.