Predict New Account Risk provides visibility into an applicant’s deposit account history patterns, helping institutions assess the likelihood of first-party fraud or account abuse at onboarding and early in the account lifecycle.
Assess new account risk beyond binary approve or decline decisions by applying predictive insight into deposit account history during onboarding.
Analyze deposit account history patterns to assess risk during new account opening for deposit, credit, and lending products.
Use proprietary risk scoring and summarized account activity attributes to help move beyond binary approve/decline decisions and guide initial limits, transaction thresholds, and product access.
Surface account history patterns associated with deposit abuse, first-party fraud, or misuse during the early stages of an account relationship to support proactive oversight.
Apply predictive insight along with deposit account history and behavior to help identify potential fraud or account abuse risk early in the customer relationship.
Enhance risk assessment at account opening by incorporating proprietary scoring and summarized account activity attributes informed by contributed deposit account data.
Use insights to support streamlined onboarding decisions to help improve operational efficiency.
Help applicants who meet low-risk criteria receive quick access to financial products.
Applicant information is securely submitted during account opening to initiate a deposit account risk evaluation.
Contributed deposit account history patterns are analyzed to identify risk patterns and potential indicators of abuse.
Proprietary risk scores and summarized attributes are returned in real time to support risk-based decisions.
Teams use results to approve, decline, or apply step-up controls—balancing fraud prevention and customer experience.
Built for confident, risk-based account opening
Predict New Account Risk℠ delivers insight into deposit account patterns at onboarding, helping financial institutions assess first-party fraud and account abuse risk with greater precision. By combining contributed deposit account data with proprietary, predictive scoring and summarized attributes, the solution supports more informed approvals, reduced losses, and provides a streamlined customer experience.
Delivers proprietary risk scores that help assess the likelihood of first-party fraud or account abuse at the point of account opening.
Data Provided: Proprietary risk scores
Provides summarized views of historical deposit account patterns to support nuanced, risk-based decisioning beyond binary approve/decline outcomes.
Data Provided: Behavioral attributes
Surfaces indicators of elevated risk early in the account lifecycle, helping institutions proactively manage potential losses.
Data Provided: Behavioral attributes
Powered by National Shared Database℠ intelligence, enabling broader visibility into deposit account activity across participating financial institutions.
Data Provided: Contributed deposit account data
The Certos℠ network brings together decades of shared intelligence and advanced analytics to provide a comprehensive portfolio of identity, account, and payment risk solutions, offering deeper insights than any institution can achieve alone.
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