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.
Use identity confidence and account risk indicators to support “approve with conditions” strategies during new account opening.
Apply early account and deposit history insight to help guide initial transaction limits, thresholds, and product access.
Enable growth while maintaining appropriate guardrails by aligning onboarding decisions to risk tolerance and policy.
The Certos network contains a broad set of deposit performance data contributed by 2,500 FIs with scored account data on 11.5 billion transactional records.¹
As participation grows, the Certos℠ network incorporates more data, expanding the depth and coverage of our risk insights.
As participation grows, the CertosSM network incorporates more data, expanding the depth and coverage of our risk insights.
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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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