Directory of AI scam and authorized push payment fraud vendors

Charm Security sells scam and social engineering defense to banks, fintechs, payment providers and credit unions. Rather than scoring transactions or devices, the platform assesses what the company calls human vulnerability exposure, analyzing customer risk patterns using psychological insight to identify who is susceptible to manipulation, then deploys agents that intervene in real time while a scam is unfolding across digital, voice and in person channels. It was created inside Team8's venture creation fund and its stated regulatory driver is the shift of authorized push payment fraud liability onto banks.

Cybera sells banks, crypto platforms and cyber insurers two products aimed at authorized payment scams. Mule Intelligence feeds accounts and wallet addresses used by scammers into an institution's transaction monitoring, customer risk scoring and suspicious activity reporting by API, so outgoing payments can be blocked and mule accounts in its own customer base surfaced; the company describes the intelligence as non probabilistic, verified through direct investigation and drawn from active defense operations, victim reports and enforcement partners. Scam Response handles the aftermath, dispatching victim cases to law enforcement, beneficiary banks and exchanges while a team manages victim communications for the institution. Cybera was founded by two brothers, a Swiss cybercrime prosecutor and a business executive, stores data in Switzerland by default, and reports more than $10 million recovered and more than 10,000 victims assisted.

Early Warning Services is a bank owned financial infrastructure company based in Scottsdale, Arizona. Seven major United States banks own it, and it has operated for more than three decades, first under the name Primary Payment Systems. It runs three brands: the Zelle payments network, the Paze digital wallet, and Certos, a portfolio of identity, account and payment risk products launched in April 2026. Certos is where the company's AI sits, and it is the focus of this profile. Verify Identity scores in real time the likelihood that an applicant is who they claim to be. Predict New Account Risk surfaces early indicators of account misuse and first party fraud, and Verify Account confirms account ownership and status. Deposit Chek evaluates deposit risk for funds availability decisions using embedded machine learning models, while Payment Chek and Wire Chek screen payments, disbursements and wire recipients before funds are released. Expand Credit Insights adds deposit account activity to lending decisions for applicants with limited credit history. The set also includes Asset Search and Verification for government eligibility decisions, and Identity Chek alerts. All of it runs over the National Shared Database, contributed to by participating institutions under a give to get model, for which the company acts as what it calls Trusted Custodian. It states that more than 70 percent of United States demand deposit accounts are contributed and that nine of the ten largest United States banks use a new account opening product. Certos sells to roughly 2,500 banks and credit unions and about 5,000 participants, including payment processors, merchants, government entities and identity theft protection providers. Early Warning is separately a nationwide specialty consumer reporting agency under the Fair Credit Reporting Act (FCRA), which shapes its privacy, regulatory and recourse posture. In May 2026 it partnered with an identity decisioning platform to distribute Certos into community banks and credit unions.

FiVerity runs an anti fraud collaboration platform letting banks, credit unions, fintechs and lenders share fraud intelligence with each other, with regulators and with law enforcement. Institutions exchange pattern matches rather than consumer personal information, and shared identities are protected by double blind encryption with the key split across members, so fraud intelligence moves without customer identities moving with it. FiVerity is registered with FinCEN as a 314(b) association, and its joint investigations product lets the roughly 46,000 registered institutions investigate together under that safe harbor with structured investigation packages and prefilled suspicious activity reports. Machine learning detects synthetic identities and surfaces repeat offenders across institutions, and the platform works with existing tools without API integration. Named users include Grasshopper Bank, BHG Financial and Digital Federal Credit Union.