RISK-BASED ACCOUNT ONBOARDING

Support risk-based account onboarding while setting privileges

Apply risk insights to help guide initial limits, transaction thresholds, and product access while reducing the potential for fraud and account abuse.

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Get to know us

As the Trusted Custodian® of the National Shared Database℠, the Certos℠ network brings together decades of shared intelligence and advanced analytics to provide a comprehensive portfolio of identity, account, and payment risk solutions for the use cases you’re exploring here.

Explore the benefits

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Support risk-based onboarding decisions

Use identity confidence and account risk indicators to support “approve with conditions” strategies during new account opening.

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Guide limits and access early

Apply early account and deposit history insight to help guide initial transaction limits, thresholds, and product access.

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Balance growth and risk control

Enable growth while maintaining appropriate guardrails by aligning onboarding decisions to risk tolerance and policy.

The Certos℠ network in action

The Certos℠ network contains a broad set of performance data based on 11.5 billion transactional records contributed by 2,500 Financial Institutions.1

Explore our new account funding tools

As participation grows, the Certos℠ network incorporates more data, expanding the depth and coverage of our risk insights.

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Deposit Chek®

Deposit Chek® provides insights to help ensure early deposits and funding sources are legitimate.

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Capabilities

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Validate external account funding sources
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Assess deposit risk indicators
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Review early deposit and funding activity
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Support funds availability decisions
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Predict New Account Risk℠

Predict New Account Risk℠ provides granular account pattern insights to help guide initial limits, transaction thresholds, or product access.

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Capabilities

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Evaluate account pattern risk insight at onboarding
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Support risk-based privileging
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Balance fraud prevention and customer growth
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Inform risk-based privileging decisions beyond approve/decline
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Verify Identity℠

Verify Identity℠ supports compliant onboarding by assessing the likelihood that an applicant is presenting legitimate identity credentials.

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Capabilities

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Reduce onboarding friction
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Make confident identity decisions
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Support compliant onboarding and audit readiness
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Screen for synthetic or manipulated identities

The impact of our insights

As participation grows, the CertosSM network incorporates more data, expanding the depth and coverage of our risk insights.

31

%

reduction in new account losses

$

50

M +

new accounts screened annually

9

out of 10

of the largest U.S banks use a New Account Opening solution

The Certos℠ advantage

The Certos℠  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.

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Trust at scale

We unite financial institutions through decades of unmatched data, creating a trusted network that grows stronger with every connection.

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Innovative solutions

With advanced analytics and detection technology informed by activity across the financial ecosystem, we provide innovative solutions to access more insights than any single institution can achieve alone, turning network-shared intelligence into shared assurance.

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Real-time intelligence

Real-time, connected intelligence distills complex data into clear, timely insights. As new signals enter the network and threats evolve, we continually advance and refine our solutions—strengthening protection and confidence.

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Talk to an expert

Learn how Certos helps financial institutions reduce fraud and protect payments at scale.

Complete the form to connect with our team.

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