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Early Warning
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Fraud prevention and identity verification platform
Early Warning
Work Here?
Fraud prevention and identity verification platform
Overview
Early Warning provides fraud prevention, identity verification, and risk management solutions for financial institutions, government entities, and payment companies in the United States. It operates by a bank-to-bank data-sharing network and acts as a nationwide specialty consumer reporting agency, managing and stewarding data to create a single view of fraud activity and enable real-time payments, deposit and check validation, and verification. Its strength lies in bank-to-bank data sharing and data stewardship across the banking industry, offering cross-functional fraud visibility for real-time payments and deposits. The goal is to prevent deposit losses and financial crime by delivering trusted data, risk insights, and verification capabilities across the US financial system.
About Early Warning
Industries
Data & Analytics
Fintech
Cybersecurity
Financial Services
Company Size
1,001-5,000
Company Stage
N/A
Total Funding
$22.9M
Headquarters
Scottsdale, Arizona
Founded
1990
Simplify's Take
What believers are saying
- Paze expanded to Citi, Sephora, and 165 million cards in 2024.
- Fiserv, Alacriti, Payfinia partnerships integrate Paze and Zelle.
- Denise Leonhard joined as Zelle general manager recently.
What critics are saying
- NY AG lawsuit filed August 13, 2025, demands restitution for $1B Zelle fraud.
- CFPB suit dismissal in March 2025 leaves ongoing NY penalties.
- Bank owners face pressure to divest Zelle post-lawsuits.
What makes Early Warning unique
- Early Warning operates bank-owned data-sharing consortium for fraud prevention.
- Paze wallet uses tokenization, avoiding card sharing with merchants.
- Zelle enables real-time payments within collaborative banking network.
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Funding
Total Funding
$22.9M
Above
Industry Average
Funded Over
0 Rounds
Benefits
Health Insurance
401(k) Retirement Plan
401(k) Company Match
Unlimited Paid Time Off
Paid Vacation
Paid Parental Leave
Family Planning Benefits
Flexible Work Hours
Company News
Early Warning Services has expanded its Paze online checkout solution to Citi, giving millions of credit cardmembers access to the bank-offered digital wallet. Eligible Citi cardmembers can activate Paze through Citi.com, the Citi Mobile App, or mywallet.paze.com. Paze allows customers to check out online without manually entering card details, using tokenisation for added security. The service is available at leading online merchants across apparel, electronics, jewellery, food, entertainment and beauty sectors. According to a survey, 72% of US consumers value digital wallet efficiency for online transactions, whilst 82% trust their banks' security more than third-party payment options. More than 165 million credit and debit cards have been added to the Paze platform, which is operated by Early Warning Services.
Alacriti partners with Early Warning Services to embed Zelle(R) into its Orbipay Payments Hub
While EWS promoted Zelle as safe and reliable, the complaint contends the company failed to deliver on those promises.
PORTLAND, Ore., July 9 - Payfinia, an independent payment services firm providing an open payments framework, announced today its partnership with Early Warning Services to offer Paze[SM], an online checkout solution developed by Early Warning Services and offered by participating banks and credit unions.
Zelle, which Early Warning launched in 2017 to compete with services such as PayPal Holdings Inc. and its Venmo network, has been the subject of controversy for several years over scams in which users allege they were gulled into transferring funds to fraudsters.
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About Early Warning
Industries
Data & Analytics
Fintech
Cybersecurity
Financial Services
Company Size
1,001-5,000
Company Stage
N/A
Total Funding
$22.9M
Headquarters
Scottsdale, Arizona
Founded
1990
Early Warning is Hiring for 96 Jobs on Simplify!
Find jobs on Simplify and start your career today