Built on decades of network-shared intelligence, the Certos℠ network is designed to inform, so institutions can act with confidence and stay in control
Built on decades of network-shared intelligence, the Certos℠ network is designed to inform, so institutions can act with confidence and stay in control
The Certos℠ solutions provide real-time risk indicators across a comprehensive portfolio from identity and account opening to deposits and payments. By helping detect synthetic and stolen identities and prevent deposit and payment fraud, our customers can reduce unnecessary friction while expanding access to financial services.
Financial Institutions
Financial Services Companies
Payment Processing Companies
Government Entities
Merchants
Identity Theft Protection Service Providers
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Access asset-related information to support eligibility determinations and program reviews, helping maintain consistency across claims and benefits workflows.
Access continuous identity-related alerts that help your consumer customers stay aware of changes or activity that may indicate identity misuse.
Validate account ownership and authorization during linking and transfer enrollment to help avoid misdirected payments.
Review inbound and outbound payment activity to help identify potentially improper disbursements before funds are released.
Help make confident funds availability decisions while reducing the potential for fraud losses by reviewing deposit, payment, and account indicators to limit unnecessary holds for customers.
Evaluate applicants who have no credit history using identity and account-based insights to expand access to financial services responsibly.
Apply risk insights to help guide initial limits, transaction thresholds, and product access while reducing the potential for fraud and account abuse.
Distinguish real people from synthetic or stolen identities early, helping increase approval rates for customers with legitimate identity credentials with a fast, seamless onboarding experience.
No use cases found
Early Warning and its solutions serve as the Trusted Custodian® of the National Shared DatabaseSM—a governed, network-shared intelligence resource contributed to by participating financial institutions under a give-to-get model. Built with strong privacy and consumer protection principles, this intelligence supports detection of account and transactional risk patterns to help our customers make informed decisions across identity, deposits, and payments. As more participants contribute, the intelligence deepens while maintaining data integrity, security, and responsible use
In 2024, Certos℠ helped 2,500 participants to:
$
10.7
Trillion
56
Million
$
3
Billion
1. Internal Early Warning® National Shared Database℠ Report December 2023.
2. Participants include financial institutions, financial services companies, payment processing companies, government entities, identity theft protection service providers and merchants.
3. Internal Early Warning® annual production and inquiry response data, 2024.
The Certos℠ network combines decades of network-shared intelligence with advanced analytics to provide risk insights across identity, deposits, and payments use cases. Our solutions help our customers detect fraud, manage risk, and strengthen trust in financial decision-making.
Stop fraud before it impacts your customers with predictive analytics and network-scale data to detect threats early and keep transactions safe.
Success stories from institutions that have transformed their fraud prevention strategies.
Our solutions transform network-shared intelligence into shared assurance by helping institutions make informed decisions that balance opportunity and protection.
Our solutions transform network-shared intelligence into shared assurance by helping institutions make informed decisions that balance opportunity and protection.
Our solutions transform network-shared intelligence into shared assurance by helping institutions make informed decisions that balance opportunity and protection.
Our solutions transform network-shared intelligence into shared assurance by helping institutions make informed decisions that balance opportunity and protection.
Our solutions transform network-shared intelligence into shared assurance by helping institutions make informed decisions that balance opportunity and protection.
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Early Warning Services, LLC, a financial services technology leader, has been empowering and protecting consumers, small businesses, and the U.S. financial system with cutting-edge fraud and payment solutions for more than three decades. We partner with more than 2,500 banks and credit unions to increase access to financial services and products, while protecting financial transactions. Early Warning is the company behind Zelle®, PazeSM, and CertosSM—three brands that help people and customers pay, verify, and protect financial transactions at scale.
Learn more at www.earlywarning.com/about
