NEW ACCOUNT OPENING & FUNDING SOLUTIONS

Open More Accounts Seamlessly

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Combatting industry threats to new account openings

We help protect against identity fraud while creating a seamless onboarding process. Our New Account Opening solutions provide a variety of insights that empower financial institutions to make confident decisions

New Account Opening & Funding Use Cases

Frictionless, Secure Onboarding for New Customers

Reduce potential fraud while enabling legitimate customers to onboard with minimal friction. Our insights help you quickly verify identities, detect synthetic and high-risk applicants, and safely fund new accounts in real time.

Predictive Risk Insights for Smart Account Decisions

Use behavioral, identity, and deposit data to help predict fraud and account misuse within the early phases of account opening. Apply real-time insights informed by contributed data to tailor decisions, prevent losses, and validate customers through precise, predictive risk assessments.

Expand Access with Data-Driven Insights

Assess applicants with limited credit history using deposit and identity insights. These indicators enable you to grow your customer base responsibly by expanding access to more customers while maintaining strong risk controls.

Explore the Benefits

Open More Accounts

Grow your financial institution while protecting yourself against bad actors—with deep predictive intelligence and synthetic detection.

Deliver Seamless Customer Experience

Deliver a frictionless customer experience without sacrificing security with a solution that matches your risk tolerance. 

Improve Financial Inclusion

Increase financial inclusion with behavioral insights.

Capability Bundles

These capabilities work together to provide a holistic view of identity, behavioral, and account-related activity to support confident account-opening decisions.

Choose an option
Verify IdentitySM
Predict New Account RiskSM
Expand Credit InsightsSM
Deposit ChekSM

Verify Identity℠

Verify Identity helps prevent fraud loss by detecting false and synthetic identities before they make it into your systems. So, you can help protect against identity fraud while moving legitimate applicants swiftly through your decisioning process.

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Experience the benefits

Improve the Customer Experience

Streamline your review of applicants with an inquiry-based real-time solution, so that legitimate customers can quickly move through your digital application process.

Protect Against Synthetic Identity Fraud

Leverage data contributed exclusively to the Certos integrated network to help reliably identify synthetic identities

Reduce Identity Fraud Losses In Real-Time

Real-time access helps you detect fraudulent identities before bad actors enter your system.

Improve Identity Confidence

A predictive model with sophisticated algorithms helps reduce false positives/negatives and detect synthetic identities.

Questions? Talk to an expert

Financial Institutions Title

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CertosSM Solutions

Improve the Customer Experience

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Protect Against Synthetic Identity Fraud

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Reduce Identity Fraud Losses In Real-Time

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Improve Identity Confidence

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Questions? Talk to an expert

Financial Institutions Title

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Learn More
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CertosSM Solutions

Improve the Customer Experience

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Protect Against Synthetic Identity Fraud

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Reduce Identity Fraud Losses In Real-Time

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Improve Identity Confidence

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Questions? Talk to an expert

Predict New Account Risk℠

Predict New Account Risk provides a transparent view into an applicant’s deposit account history and behavior to help protect against losses related to new account openings. Allowing your institution to make knowledgeable decisions that align with your business objectives and threshold for risk.

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Experience the benefits

Grow your customer base

Approve more accounts by tailoring privileges to align with your risk threshold using our deposit account intelligence.

Balance risk, efficiency and compliance

Use insights in a manner that align with your account opening strategy – allowing you to reduce risk, while maintaining compliance and operational efficiency.

Protect against new account losses

Predict the likelihood of first-party fraud or account default within the first nine months of account opening using holistic scores and summarized attributes.

Improve financial inclusion

Gain insights and perspective required to confidently open your doors to a wider population of consumers.

Questions? Talk to an expert

Financial Institutions Title

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Learn More
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CertosSM Solutions

Improve the Customer Experience

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Protect Against Synthetic Identity Fraud

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Reduce Identity Fraud Losses In Real-Time

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Improve Identity Confidence

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Questions? Talk to an expert

Financial Institutions Title

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Learn More
button arrow

CertosSM Solutions

Improve the Customer Experience

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Protect Against Synthetic Identity Fraud

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Reduce Identity Fraud Losses In Real-Time

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Improve Identity Confidence

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Questions? Talk to an expert

Expand Credit Insights℠

Broaden your market of qualified credit applications by adding alternative data into your credit-decisioning strategy, while making a positive impact in the communities you serve.

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CertosSM Solutions

Expand your customer base

Approve more credit applicants and present additional opportunities to nurture and expand consumer relationships.

Improve your institution's goodwill

Make a positive impact in meeting the credit needs of the communities you serve

Increase financial inclusion

Expand credit access to those with limited or no traditional credit history, using shared deposit account data.

Questions? Talk to an expert

Financial Institutions Title

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Learn More
button arrow

CertosSM Solutions

Improve the Customer Experience

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Protect Against Synthetic Identity Fraud

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Reduce Identity Fraud Losses In Real-Time

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Improve Identity Confidence

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Questions? Talk to an expert

Financial Institutions Title

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Learn More
button arrow

CertosSM Solutions

Improve the Customer Experience

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Protect Against Synthetic Identity Fraud

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Reduce Identity Fraud Losses In Real-Time

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Improve Identity Confidence

Short description about this product, no more than two lines of text. Lorem ipsum dolor sit amet.

Questions? Talk to an expert

Deposit Chek®

Screen deposits in real time to help mitigate fraudulent or risky items early, reduce fraud loss, ease operational workload and support quicker, more confident funds-availability decisions.

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Experience the benefits

Help reduce fraud loss

Detect potentially fraudulent new account funding sources and high-risk deposits, mitigating risk and decreasing fraud at your institution.

Improve your customer experience

Real-time screening across deposit channels reduces unnecessary alerts, accelerates funds availability, and empowers a seamless banking experience.

Improve operational efficiency

Reduce manual reviews and optimize team resources by streamlining the time required to address fraud cases.

Balance risk, efficiency, and compliance

Deposit Chek® can scale to meet your needs. Configure the solution to align to your business and risk tolerances.

Questions? Talk to an expert

The Early Warning Advantage

Leverage 30 years of experience to enhance your new accounting opening strategy, verify deposits and payments and make informed decisions.

Robust Data

Early Warning is the Trusted Custodian® of the National Shared DatabaseSM Resource which contains a rich set of data, ensuring our information is always up-to-date.

Scalable Technology

Grow at your own pace! Access our capability bundles through a simple API. Implement once – and quickly deploy additional capabilities in a snap.

Rich Analytics

Our risk assessment algorithms incorporate comprehensive, cross-institution data sets, adding depth and perspective to insights.

Our Resellers

View All Channel Partners
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How can we help?

Let’s talk about how we can help grow your financial institution.

One of our team members will be in touch within 2-3 business hours.

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