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Where network-informed insight meets real-world scenarios

Explore how our solutions can help support use cases across the financial ecosystem.

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The impact of our insights

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

Over

70

%

of U.S. DDA accounts analyzed

124

Million+

annual new account applications screened

$

38

Billion

in high-risk transaction alerts

Not sure which solution you need? Let us help.

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Identity Theft Protection Service Providers
Merchants
Payment Processing Companies
Financial Services Companies
Government Entities
Financial Institutions
Expand financial access
Review assets and eligibility
Leverage ongoing identity monitoring for consumers
Validate transfers and account linking requests
Protect against disbursement and payment risk
Increase funds availability confidence
Support risk-based account onboarding while setting privileges
Increase new account approval confidence while reducing friction

Your Recommended Solutions

Asset and eligibility review

Access asset-related information to support eligibility determinations and program reviews, helping maintain consistency across claims and benefits workflows.

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Ongoing identity monitoring

Access continuous identity-related alerts that help your consumer customers stay aware of changes or activity that may indicate identity misuse.

View Use Case
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Secure account linking and transfers

Validate account ownership and authorization during linking and transfer enrollment to help avoid misdirected payments.

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Disbursement and payment risk protection

Review inbound and outbound payment activity to help identify potentially improper disbursements before funds are released.

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Funds availability confidence

Help make confident funds availability decisions while reducing the potential for fraud losses by reviewing deposit, payment, and account indicators to limit unnecessary holds for customers.

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Expand financial access

Evaluate applicants with no credit history using identity and account-based insights to expand access to financial services responsibly.

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Support risk-based account onboarding

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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New account funding confidence

Distinguish real people from synthetic or stolen identities early, helping increase approval rates for customers with legitimate identity credentials with a fast, seamless onboarding experience.

View Use Case
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No use cases found

Certos℠ use cases

Explore the breadth of scenarios we cover for a range of customers we serve.

Financial Institutions
Financial Services Companies
Payment Processing Companies
Merchants
Government Entities
Identity Theft Protection Service Providers
Two businessmen in suits working at a conference table with coffee mugs and a laptop with windows to other city buildings.

Asset and eligibility review

Access asset-related information to support eligibility determinations and program reviews, helping maintain consistency across claims and benefits workflows.

Read More
Green upward right arrow icon.
A man and a woman standing together in business attire reviewing a document inside the lobby of a business building with tile floors and lots of light.

Ongoing identity monitoring

Access continuous identity-related alerts that help your consumer customers stay aware of changes or activity that may indicate identity misuse.

Read More
Green upward right arrow icon.
Three colleagues, a man and two women, walking into the lobby of an office building with coffee cups and a plant in the foreground.

Secure account linking and transfers

Validate account ownership and authorization during linking and transfer enrollment to help avoid misdirected payments.

Read More
Green upward right arrow icon.
Man in a denim shirt and glasses looking at a laptop and holding a document and pen with one hand and the other hand on his keyboard.

Disbursement and payment risk protection

Review inbound and outbound payment activity to help identify potentially improper disbursements before funds are released.

Read More
Green upward right arrow icon.
Two colleagues, a woman and a man, standing and discussing while holding papers near a glass railing in a modern office building.

Funds availability confidence

Help make confident funds availability decisions while reducing the potential for fraud losses by reviewing deposit, payment, and account indicators to limit unnecessary holds for customers.

Read More
Green upward right arrow icon.
Man wearing glasses and a blue sweater working at a desk with documents, laptop, tablet, and a coffee mug near a window.

Expand financial access

Evaluate applicants with no credit history using identity and account-based insights to expand access to financial services responsibly.

Read More
Green upward right arrow icon.
A man and a woman standing together in business attire reviewing a document inside the lobby of a business building with tile floors and lots of light.

Support risk-based account onboarding

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

Read More
Green upward right arrow icon.
Two businessmen in suits working at a conference table with coffee mugs and a laptop with windows to other city buildings.

New account funding confidence

Distinguish real people from synthetic or stolen identities early, helping increase approval rates for customers with legitimate identity credentials with a fast, seamless onboarding experience.

Read More
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The Certos℠ advantage

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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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 from contributing institutions, we provide innovative solutions that provide deeper insights than any single institution can achieve alone, turning network-shared intelligence into shared assurance.

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Real-time intelligence

Our solutions distill complex data into clear, timely insights. As new data enters 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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