Wire Fraud Prevention

Help prevent wire fraud with recipient account intelligence

Use network-informed recipient account risk insights to help identify higher-risk wires, intervene before funds are sent, and reduce repeat fraud across participating institutions.

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Get to know us

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

See recipient risk before funds move

Evaluate the recipient account before releasing wire funds using network-informed risk indicators.

Take action when new risk emerges

Receive proactive signals when the network identifies new risk associated with one of your accounts.

Reduce repeat wire fraud across institutions

Reveal cross-institutional patterns that help close visibility gaps as fraudulent activity moves between banks.

The Certos℠ network in action

The Certos℠ network provides insight into 82% of U.S. account records. More than 5,000 organizations nationwide, including financial institutions, use a Certos Identity or Payment Risk solution.¹

Explore our wire fraud prevention tool

Discover how our solutions can add network-informed recipient account intelligence to your fraud prevention strategy.

Wire Chek℠

Uses network-shared intelligence to assess recipient account risk and support more informed outbound wire decisions.

Learn more about capabilities

Capabilities

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Assess recipient account risk
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Respond to new wire risk linked to your accounts
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Reduce cross-institutional repeat fraud
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Keep decisioning in your control

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.

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¹ Early Warning® analysis of 2025 National Shared Database℠ inquiries.

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