Menu ABOUT WE GET MONEY MOVING OUR VISION When money moves, life happens® We can transform lives by innovating everyday financial experiences – together We provide innovation that transforms financial experiences – innovation that transforms lives. More than 2,500 companies rely on our intelligence to open new accounts, get in front of fraud, and move to faster payments. As the trusted custodian of bank-contributed data, we offer a full suite of solutions that gets money moving. Open new accounts. Send and receive payments OUR STORY For almost three decades, bank-owned Early Warning has provided network intelligence that helps ﬁnancial institutions get money moving. From opening your ﬁrst checking account on graduation day to applying for a mortgage for your dream house, our intelligence is used to inform money moments – big and small – every day. 1990s Deposit Risk Management Banks develop model to share data to mitigate deposit losses, and form an independent company to steward this data on behalf of the banking industry. Launched our first check deposit and check payment validation products. 2001-2005 New Account Opening Added a new account fraud detection service and fraud data sharing. 2006-2009 Identity Risk Management Introduced the Early Warning brand and became wholly bank-owned. Added identity risk solutions and real-time check deposit and account opening services. 2010-2012 More Fraud Protection Provided high-risk transaction alerts to ID theft agencies among others. Introduced asset verification services. 2013-2014 Mobile Solutions Enhanced mobile suite with nearly a dozen new releases. 2015-2018 Authentication & P2P Payments Offered layered multi-factor authentication via a single integrated platform. Introduced Zelle Network® – the ﬁrst real-time payments service. 2019-2020 Enhanced Products Enhanced Zelle Network® with new user experiences and features. INNOVATIVE 436M Payments processed for Q1 2021 through the Zelle Network® COLLABORATIVE 2,500+ Number of financial, government and payment companies in the diverse network we serve TRUSTWORTHY 90% 45 of the top 50 financial institutions partner with us OUR LEADERSHIP Tracy Cheney General Counsel and Secretary Mark Travi Chief Financial Officer Suzanne Hartin Chief Risk Officer Sean Murphy Chief Internal Audit Executive Lou Anne Alexander Chief Product Officer Al Ko Chief Executive Officer Looking for additional information or need to speak to someone? CONTACT US Early Warning Services, LLC, is a fintech company owned by seven of the country’s largest banks. For almost three decades, our identity, risk and payment solutions have been empowering financial institutions to make confident decisions, enable payments and mitigate fraud. Today, Early Warning is best known as the owner and operator of the Zelle Network®, a financial services network focused on transforming payment experiences. FOOTER PRODUCTS BRIGHT IDEAS NEWS Looking for Consumer Report Information? Early Warning supports consumers' rights to dispute and corrects inaccurate or incomplete information. YOUR CONSUMER REPORT EW Top Footer Menu Blog About Careers Contact Channel Partners Connect with Early Warning LinkedIn Connect with Zelle Facebook Instagram Legal © 2021 Early Warning Services, LLC. All Rights Reserved Your Privacy Rights Supplier Registration Legal Subpoena Process Reporting Vulnerabilities