Where network-informed insight meets real-world scenarios

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

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

56

Million+

annual new account applications screened

$

38

Billion

in high-risk transaction alerts

Not sure which solution you need? Let us help.

We just need a bit of information to point you in the right direction.

New Test Audience
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test audience
Test Audience
Identity Theft Protection Service Providers
Merchants
Payment Processing Companies
Financial Services Companies
Government Entities
Financial Institutions
Expand financial access22
Review assets and eligibility
Leverage ongoing identity monitoring
Validate transfers and account linking requests
Protect against disbursement and payment risk
Increase funds availability confidence
Expand financial inclusion
Deliver 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.

Ongoing Identity Monitoring

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

Secure Account Linking and Transfers

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

Disbursement and Payment Risk Protection

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

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.

Expanding Financial Access

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

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.

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.

No use cases found

Certos℠ Use Cases

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

New Test Audience
test 2
test audience
Test Audience
Identity Theft Protection Service Providers
Merchants
Payment Processing Companies
Financial Services Companies
Government Entities
Financial Institutions
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.

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.

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.

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.

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.

Man wearing glasses and a blue sweater working at a desk with documents, laptop, tablet, and a coffee mug near a window.

Expanding Financial Access

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

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.

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.

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.

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.

Trust at scale

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

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.

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.

How can we help?

Let’s talk about how we can help grow your financial institution.

One of our team members will be in touch within 2-3 business hours.

Product(s) of Interest

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