Built on decades of network-shared intelligence, the Certos℠ network is designed to inform, so institutions can act with confidence and stay in control.
Built on decades of network-shared intelligence, the Certos℠ network is designed to inform, so institutions can act with confidence and stay in control.
The Certos℠ solutions provide real-time risk indicators across a comprehensive portfolio from identity and account opening to deposits and payments. By helping detect synthetic and stolen identities and prevent deposit and payment fraud, our customers can reduce unnecessary friction while expanding access to financial services.
Financial Institutions
Financial Services Companies
Payment Processing Companies
Merchants
Government Entities
Identity Theft Protection Service Providers
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Early Warning and its solutions serve as the Trusted Custodian® of the National Shared Database℠—a governed, network-shared intelligence resource contributed to by participating financial institutions under a give-to-get model. Built with strong privacy and consumer protection principles, this intelligence supports detection of account and transactional risk patterns to help our customers make informed decisions across identity, deposits, and payments. As more participants contribute, the intelligence deepens while maintaining data integrity, security, and responsible use.
In 2025, Certos℠ solutions helped 5,000 participants1 :
$
11
Trillion+
124
Million+
$
3
Billion+
1. Participants include financial institutions, financial services companies, payment processing companies, government entities, identity theft protection service providers and merchants.
2. Early Warning Services, LLC (2025). Internal Analysis of National Shared Database℠ Inquiries. Unpublished.
The Certos℠ network combines decades of network-shared intelligence with advanced analytics to provide risk insights across identity, deposits, and payments use cases. Our solutions help our customers detect fraud, manage risk, and strengthen trust in financial decision-making.
Detect fraud before it impacts your customers with advanced analytics and network-scale data to help surface threats early and keep transactions safe.
Our solutions transform network-shared intelligence into shared assurance by helping institutions make informed decisions that balance opportunity and protection.
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Early Warning Services, LLC, a financial services technology leader, has been empowering and protecting consumers, small businesses, and the U.S. financial system with cutting-edge fraud and payment solutions for more than three decades. We partner with more than 2,500 banks and credit unions to increase access to financial services and products, while protecting financial transactions. Early Warning is the company behind Zelle®, Paze®, and CertosSM—three brands that help people and customers pay, verify, and protect financial transactions at scale.
Learn more at www.earlywarning.com/about
