Financial institutions have strong sender-side controls, but recipient account risk is often fragmented across banks. Wire Chek℠ uses network-shared intelligence to reveal cross-institutional fraud patterns no single institution can see alone.
Strengthen outbound wire decisioning with network-informed recipient account intelligence that helps reveal risk beyond your institution’s own view.
Query the Certos network in real time before releasing wire funds and receive recipient account insights, including risk indicators, cross-institutional patterns, and network-level context.
Receive proactive alert-based signals when the network identifies new wire risk associated with one of your accounts, no inquiry required, helping your team take appropriate action according to your policies.
Surface patterns tied to repeat fraud, money mule, and account takeover activity across participating institutions to help close visibility gaps exploited across banks.
Use recipient account risk intelligence to identify higher-risk wires before funds are released.
Apply network-informed recipient account context that no single institution can build alone.
Receive proactive signals when the network identifies new wire risk associated with one of your accounts, helping your team take appropriate action.
Use Wire Chek℠ insights and signals alongside your own data, policies, and risk tolerance.
Initial proof-of-concept analysis with three large U.S. financial institutions identified fraud exposure representing an estimated $260M in preventable wire fraud loss across the network.
Participating institutions contribute required data to support shared recipient account risk context.
Before funds are released, an institution can query Wire Chek℠ to evaluate the recipient account against network-contributed data.
Risk indicators are returned in real time, while alert-based signals notify participants when new recipient account risk emerges.
Your teams review Wire Chek℠ insights and signals alongside internal data, policies, and risk tolerance and determine the appropriate action.
Two delivery modes. One connected network.
Wire Chek℠ combines real-time inquiry-based insights with proactive event-based signals to give participating financial institutions a broader view of recipient account risk and cross-institutional patterns.
Evaluate a wire recipient account before funds are released using network-informed indicators tied to wire fraud history and cross-institutional activity.
Data Provided: Recipient account risk indicators
Receive proactive signals when the network identifies recipient account risk associated with your institution. No inquiry is required.
Data Provided: Wire fraud and risk context
Use network-shared intelligence to reveal repeat wire fraud and cross-institutional patterns that are difficult to see alone.
Data Provided: Cross-institutional patterns
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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