Early Warning

Early Warning operates fraud prevention and payment infrastructure for the U.S. financial system, working with more than 2,500 financial institutions. Its technical work spans machine learning, pattern recognition, real-time risk prediction and data analytics, applied to the detection and prevention of fraud across payment transactions. The company has been in operation for over three decades and is owned by seven of the country's largest banks.

Its products include Zelle®, a peer-to-peer payment network available through more than 2,500 financial institutions and used by hundreds of millions of consumers and small businesses; Paze℠, an online checkout payment solution; and the National Shared Database℠, a shared resource used to identify patterns and deliver real-time risk predictions for fraud prevention and transaction security. The emphasis across these systems is on prevention rather than detection after the fact.

Engineering work at Early Warning is cross-functional, with engineers and fraud experts working together on payments technology and risk models. The stated culture is built on precision and reliability, with a shared commitment to financial security and a collaborative working style across financial institutions. The company's presence is in the United States, spanning financial services, banking, payments, fraud prevention and small business services.