Payment and deposit decisions happen fast, but the right risk context can help organizations identify risk earlier, reduce rework, and make more confident decisions before funds move. Our latest Certos infographic shows how Payment Chek and Deposit Chek support stronger payment and deposit decisions while helping our customers see measurable ROI. Take a look at the infographic to see the impact in context: https://lnkd.in/eZ2g7e3s
About us
Certos℠ is a unified portfolio of fraud and identity solutions that helps financial institutions detect synthetic or stolen identities at account opening, reducing fraud while expanding access to critical financial services. It is backed by Early Warning Services, LLC – the company behind Zelle® and the Paze® digital wallet – which has worked with financial institutions for 35-years to drive prosperity, deliver bold innovation and improve how payments are made. For more information, visit www.certos.com.
- Website
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www.certos.com
External link for Certos®
- Industry
- Financial Services
- Company size
- 1,001-5,000 employees
- Type
- Privately Held
Updates
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The Certos network is built through participation. Participating financial institutions contribute demand deposit account transactions and account-level activity through a governed, give-to-get model. As participation grows, the intelligence deepens, helping surface risk indicators that may not be visible within a single institution. Learn how participation strengthens the network: https://www.certos.com/
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The Certos network provides insight into 82% of the country’s DDA account records. That reach can give our customers added context for account and transaction risk evaluation. See the network in action: https://lnkd.in/ejhXjcBm
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Different decision moments call for different risk context. The Certos solutions portfolio brings network-informed insights to account opening, deposit review, and payment evaluation. Organizations can use those insights to assess specific risk indicators and determine the appropriate next step. Explore use cases: https://lnkd.in/ehiZjAHM
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Many organizations already work with strong risk signals. The challenge is that those signals often sit in different systems. The Certos network connects signals contributed by participating financial institutions into account and transaction risk indicators that customers can apply within their own policies and workflows. Learn more: https://lnkd.in/ea-AyV_h
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Stronger ACH risk management can start before payment initiation. In an upcoming webinar from Certos and Nacha, industry experts will discuss how layered controls can help organizations: -Review account ownership and status in real time -Reduce unauthorized debits and misdirected payments -Apply layered controls before payment initiation 📅 Thursday, October 22 🕒 1:00 pm ET/10:00 am PT Save your seat: https://lnkd.in/ddGjibQq #ACHRisk #PaymentOperations #RiskManagement #Nacha
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Risk does not begin when a payment is sent. It can enter the workflow much earlier. Join Certos and Nacha for Layered Defense for ACH Risk Mitigation: Managing Risk Before Payments Begin. This practical webinar will explore how account validation, account and transaction risk indicators, and policy-based controls can support stronger outbound payment and ACH workflows. 📅 Thursday, October 22 🕒 1:00 pm ET/10:00 am PT Register: https://lnkd.in/ddGjibQq #ACH #PaymentsRisk #FraudPrevention #AccountValidation
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Fraud patterns can span the payment journey, but risk is often evaluated one decision at a time. This playbook helps uncover gaps, align teams, and prioritize decisions with greater context. Download the playbook: https://lnkd.in/dKiUezam
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We’re keeping the momentum going with Alloy! Together, we’re helping bring Certos solutions to a wider audience of community and mid-size banks and credit unions.
I am proud to announce our new partnership with Alloy which will expand access to our portfolio of Certos solutions for more community and mid-sized financial institutions across the country. Certos helps financial institutions identify suspicious activity earlier — from verifying account ownership in real time to detecting mismatched or synthetic identities before money moves. By bringing these solutions to financial institutions of all sizes, in communities across the United States, we can help strengthen fraud prevention and better protect consumers from criminal actors. In partnering with Alloy, we are helping financial institutions expand access to essential banking services while reducing fraud risk.
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What a show #Payments2026 was! ⚡️ We’re leaving energized by the conversations, the connections, and the shared momentum across the industry. The future of payments is being built together. Let’s keep it moving forward. 🚀