Granitefield Senior Fraud Protection
Senior Fraud Protection
Get the speed of automated monitoring with the judgment of human review—all while your loved one remains in control of their money.
Technology Can Send an Alert. Granitefield Helps You Understand It.
Most fraud-monitoring programs depend entirely on automated alerts. They notify you when something happens, but deciding what the alert means and what to do next is still up to you.
Granitefield adds the human layer.
Depending on the service level selected, we review designated activity, document concerns, identify patterns that may require attention, coordinate with authorized family members, and provide clear next steps.
The technology monitors the activity. Granitefield helps make sense of it.
Choose Your Level of Protection
Fraud and identity monitoring are included for Concierge daily money management clients, and available to Stewardship and Oversight clients at a reduced rate, billed separately.
| Essential | Review | Oversight | |
|---|---|---|---|
| Best for | Individuals comfortable responding to alerts themselves. | Families wanting automated monitoring with monthly human review. | Families wanting broader monitoring and more frequent human oversight. |
| Financial monitoring | Bank accounts, debit cards, credit cards, and bill-payment activity. | Everything in Essential, plus investment- and retirement-account alerts. | Everything in Review. |
| Identity protection | Dark-web, identity, and elder-fraud pattern monitoring, plus one-bureau credit monitoring. | Everything in Essential, with three-bureau credit monitoring and credit scores. | Everything in Review, plus home-title and email-account monitoring. |
| Human review | No scheduled reviewNo scheduled Granitefield review. | 1 review each monthOne scheduled Granitefield review each month. | 2 reviews each monthTwo scheduled Granitefield reviews each month. |
| Granitefield reporting | Not included. | One-page Monthly Financial Safety Summary. | Complete Monthly Granitefield Financial Safety Report. |
| Family coordination | Alerts may be shared with an authorized person. | Authorized follow-up when a concern requires attention. | Ongoing coordination with an authorized family member. |
| Education and support | Two monthly newsletters and 24/7 monitoring-platform customer care. | Everything in Essential. | Everything in Review. |
| Ask About Essential | Ask About Review | Ask About Oversight |
Individuals comfortable responding to alerts themselves.
No scheduled Granitefield review.
Not included.
Bank accounts, debit cards, credit cards, and bill-payment activity.
Dark-web, identity, and elder-fraud pattern monitoring, plus one-bureau credit monitoring.
Alerts may be shared with an authorized person.
Two monthly newsletters and 24/7 monitoring-platform customer care.
Families wanting automated monitoring with monthly human review.
One scheduled Granitefield review each month.
One-page Monthly Financial Safety Summary.
Everything in Essential, plus investment- and retirement-account alerts.
Everything in Essential, with three-bureau credit monitoring and credit scores.
Authorized follow-up when a concern requires attention.
Everything in Essential.
Families wanting broader monitoring and more frequent human oversight.
Two scheduled Granitefield reviews each month.
Complete Monthly Granitefield Financial Safety Report.
Everything in Review.
Everything in Review, plus home-title and email-account monitoring.
Ongoing coordination with an authorized family member.
Everything in Review.
Optional property-title and email-monitoring add-ons may be available at current add-on pricing.
Eligibility, availability, exact coverage, written permissions, and current pricing are confirmed before enrollment.
What Granitefield Adds
Human Review
Automated systems identify activity. Granitefield reviews the information within the selected service level, documents concerns, and helps determine what may require follow-up.
Clear Reporting
Instead of leaving your family with a collection of disconnected alerts, selected plans include an organized monthly summary or detailed financial-safety report.
Authorized Family Coordination
With the client's permission, Granitefield can keep a designated family member informed when something requires attention.
Practical Next Steps
When a concern appears, Granitefield helps the client and authorized family understand what happened and identify the appropriate next step.
Continued Independence
Granitefield provides another set of eyes without taking control away from the older adult.
How It Works
Monitoring Watches the Activity
The selected monitoring service watches eligible accounts and identity information for designated activity.
Granitefield Reviews According to Your Plan
Review and Oversight clients receive scheduled human review, documentation, and reporting. Essential clients receive platform alerts without scheduled Granitefield review.
Concerns Receive the Appropriate Follow-Up
When something requires attention, Granitefield follows the permissions and instructions established by the client.
The Client Remains in Control
The client decides who receives alerts, what information may be shared, and whether permissions should be changed or revoked.
Human Oversight Without Financial Control
Senior Fraud Protection is a read-only monitoring and administrative support service.
Granitefield cannot use this service to:
- Withdraw or transfer money
- Freeze accounts
- Pay bills
- Make purchases
- Invest funds
- Make financial decisions for the client
- Share information without proper authorization
Granitefield provides monitoring, review, documentation, and authorized follow-up.
The client remains in control of their money.
Frequently Asked Questions
Will Granitefield control the accounts?
No. This is a read-only monitoring service. Granitefield cannot move money or make financial decisions through this service.
How is this different from an ordinary fraud-monitoring program?
Most monitoring programs rely on automated alerts. Selected Granitefield plans add scheduled human review, documentation, reporting, and authorized family coordination.
Will my family see all my financial information?
Only to the extent authorized. The client decides who receives alerts and what additional information may be shared. Permissions can be changed or revoked.
Can I enroll my parent without their involvement?
Enrollment requires the older adult's direct authorization or valid legal authority, such as a financial power of attorney.
Does Granitefield review every alert?
Not under every service level. Essential does not include scheduled Granitefield review. Review includes one scheduled review each month, and Oversight includes two scheduled reviews each month. Exact responsibilities are defined in the written service agreement.
What if monitoring is no longer enough?
If hands-on assistance with bills, paperwork, account organization, or ongoing financial administration becomes necessary, Granitefield offers Daily Money Management under a separate agreement.
Is Granitefield an emergency-response service?
No. If money is actively moving without authorization, contact the financial institution immediately using a verified phone number.
Get More Than Another Automated Alert
Add human review, organized reporting, and clear follow-up to your family’s financial monitoring.
Scope of this service
Senior Fraud Protection provides administrative monitoring and response support only. It is not bill payment, account management, forensic investigation, legal representation, or emergency response. Granitefield Financial provides administrative financial oversight, not investment, legal, or tax advice.