Early Warning Services LLC, the company behind Zelle® and the Paze® digital wallet, today announced the launch of CertosSM, a unified brand portfolio of its fraud and identity risk solutions that help financial institutions stop fraud and expand financial access in the U.S. banking system.“As criminals grow more sophisticated, they are increasingly exploiting stolen or fabricated identities before any money moves,” said Ben Chance, general manager of Certos. “Certos equips financial institutions with collaborative solutions that help them identify synthetic or stolen identities at account opening, detect suspicious activity earlier, and prevent fraud.”For more than 35 years, Early Warning has worked alongside banks, credit unions, law enforcement, and government agencies to stop billions of dollars in scams, fraudulent payments and financial crime. That work has included partnering with the U.S. Postal Inspection Service, the U.S. Treasury, Federal Reserve, and state and local law enforcement agencies – helping prevent hundreds of thousands of improper payments and protect consumers, small businesses, and the broader financial system.“Building on Early Warning’s proven scale, Certos brings together decades of trusted fraud prevention capabilities under a unified brand with a critical role in protecting financial trust and expanding financial inclusion,” said Andrea Gilman, chief marking officer of Early Warning. “As fraud evolves, Certos provides solutions that financial institutions incorporate into their existing payments and account opening processes, strengthening their ability to stop criminals while confidently serving more consumers.”In 2025, the products now unified under Certos delivered protection for America’s consumers and small businesses, while continuing to help expand financial access:Screened over $11 trillion in payments for activity like counterfeit information and washed or altered checksHelped stop $3.7 billion in potential fraudSupported 100 million new bank and credit union account applicationsBy reducing unnecessary barriers – particularly for individuals with limited or nontraditional identity histories – Certos helps financial institutions expand access to essential banking services while reducing fraud risk.Together, these capabilities help banks and credit unions expand access in the financial sector and extend protection across payment and account-opening ecosystems, reinforcing financial resilience and economic security across the U.S. banking system.NoYesFraud Detection17 Apr, 2026