Early Warning Services Launches Certos — Unified Fraud Intelligence Brand Screening $11 Trillion in Payments

Early Warning Services·medium signal

Early Warning Services (parent of Zelle and Paze) launched Certos as a unified brand for its fraud and identity risk solutions, consolidating products that screened over $11 trillion in payments in 2025. The platform detects synthetic identities at account opening, flags suspicious activity, and currently stops ~$3.7B in fraud annually — a figure Early Warning expects could reach $9B once fraud signals across payment channels are unified. This is their third business line alongside Zelle and Paze.