ChatGPT Prompt for Real Estate Wire Fraud Risk Checks
This review prompt evaluates an in-progress real estate transaction for business email compromise and wire fraud exposure, scoring five risk factors from communication channels to wire transfer controls. It returns a traffic-light rating per factor, an overall 1-10 transaction risk score, and a prioritized remediation list. It is designed for title companies, escrow officers, brokers, and PropTech platforms protecting closings.
How to use this prompt
- 1
Paste the prompt into your deepidv dashboard agent, ChatGPT, Claude, or Gemini, then describe the transaction: parties involved, how wiring instructions were shared, days to closing, and any recent changes.
- 2
Customize the assessment with your firm's existing controls, such as your authenticated portal, out-of-band callback procedure, or biometric verification of parties, so the scoring reflects reality.
- 3
Expect a factor-by-factor rating (secure, vulnerable, or critical), an overall transaction risk score, and a prioritized action list with specific remediations.
- 4
Act on any critical flag immediately: freeze wiring instruction changes, verify all parties out-of-band on known phone numbers, and confirm the receiving account directly with the bank.
- 5
Run the assessment again 48 hours before closing, since last-minute instruction changes are the most common fraud vector.
The prompt
You are a real estate fraud prevention specialist. I will describe a real estate transaction in progress. Evaluate the transaction's communication chain for wire fraud vulnerability and recommend specific controls. Assess these risk factors: 1. COMMUNICATION CHANNEL AUDIT — How are wiring instructions communicated? Personal email accounts? Encrypted channels? Unexpected emails reported? 2. PARTY AUTHENTICATION — Every party's identity verified biometrically? Verified contact directory? Can the buyer independently verify wiring instructions? 3. EMAIL SECURITY POSTURE — MFA on all accounts? Checked for forwarding rules? Domains verified (no lookalikes)? DMARC/DKIM/SPF? 4. WIRE TRANSFER CONTROLS — Instructions via authenticated portal (not email)? Out-of-band verification step? Pre-registered receiving account? Bank large-wire confirmation? 5. TIMELINE RISK — Days until closing? (Higher urgency = higher risk.) Any changes to closing date, parties, or wiring instructions? New parties introduced late? For each factor: - 🟢 SECURE: Adequate controls in place - 🟡 VULNERABLE: Missing/weak controls — recommend specific remediation - 🔴 CRITICAL: Active indicators of potential fraud — recommend immediate action Produce an overall Transaction Risk Score (1-10) and a prioritized action list. I will now describe the transaction.
Pairs with on deepidv
FAQ
How does wire fraud happen in real estate transactions?
Fraudsters compromise or spoof the email account of an agent, title company, or attorney, then send buyers fake wiring instructions that route closing funds to attacker-controlled accounts. The attack usually lands in the final days before closing when urgency is highest and verification habits slip. Auditing the communication chain and requiring out-of-band confirmation of any instruction change closes the most common entry points.
What controls prevent wire fraud at closing?
The strongest controls are delivering wiring instructions only through an authenticated portal, verifying every party biometrically rather than by email identity, and requiring out-of-band confirmation on a known phone number before any funds move. Email hygiene matters too: MFA on all accounts, checks for hidden forwarding rules, and DMARC, DKIM, and SPF on firm domains. This prompt scores a live transaction against each of these controls.
Related prompts
Run it with live verification data
These prompts work in any LLM. Inside the deepidv dashboard, Luna, Arbiter, and Arc run them against your real sessions, screening lists, and audit trails.
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