What Verify IdentitySM helps you do
Confirm identity authenticity with network-informed intelligence.
Through unmatched network intelligence, we help bring trust to the financial moments that matter. The CertosSM network provides a holistic view of identity, account, and payment risk. Whether evaluating new applicants, screening deposits, validating payments, or verifying identity activity, we help support decisions aligned to your institution’s needs.
Confirm identity authenticity with network-informed intelligence.
Helps assess the likelihood an applicant is presenting legitimate identity credentials during new account opening for deposit, credit, and lending products.
Analyzes identity elements for manipulated or fabricated attributes, delivering an additional risk signal to help identify synthetic identities
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In 2022 there were more than 34 million identity verification transactions issued by Early Warning.
Applicant identity elements and SSN information are securely submitted during new customer onboarding.
A real-time inquiry is sent to the CertosSM network to assess identity legitimacy and detect potential synthetic indicators.
Risk scores, summary of risk indicators, and SSN verifications are returned in real time.
Use the returned intelligence to approve, decline, or step-up identity verification.
Built for compliant, low-friction onboarding
Verify IdentitySM combines identity verification, SSN validation, and synthetic identity screening into a single solution powered by shared banking intelligence to support confident, compliant account opening decisions.
Assess the likelihood that the applicant is presenting their true identity credentials.
Data Provided: Predictive, analytical risk score
Adds context to risk scores and indicators, enabling more informed identity risk assessments.
Data Provided: Summarized attribute detail for each identity element provided
Confirms whether the applicant’s name, Social Security number and date of birth combination match a legitimate Social Security Administration (SSA) record.
Data Provided: True/False SSN verification
Detects manipulated or fabricated identity elements.
Data Provided: Synthetic risk signals
1. Verify SSN does not verify identities, eliminate synthetic identity fraud or reduce fraud. Verify SSN is only available to financial services organizations.
The CertosSM network brings together decades of verified data contributions and advanced analytics to provide a holistic view of identity, account, and payment risk through real-time intelligence—offering deeper insights than any institution can achieve alone.
One of our team members will be in touch within 2-3 business hours.
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