Early Warning

Early Warning is a U.S.-based fintech company headquartered in Scottsdale, Arizona, best known as the owner and network operator of Zelle, a real-time money transfer service for U.S. banks. Early Warning provides identity verification, risk, fraud detection, and payment authentication technology for major financial institutions, operating a secure cloud environment with continuous third-party vendor oversight and regulatory compliance. It is jointly owned by seven of the largest U.S. banks and supports compliance with FFIEC, GLBA, PCI DSS, and privacy rules for digital transactions. Early Warning works with payment service providers and fraud defense partners on secure API and banking integrations in an ecosystem spanning thousands of credit unions and banks nationwide.​