ABOUT
WE GET MONEY MOVING
1
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
INNOVATIVE
436M

Payments processed for Q1 2021 through the Zelle Network®

COLLABORATIVE
COLLABORATIVE
2,500+

Number of financial, government and payment companies in the diverse network we serve

TRUSTWORTHY
TRUSTWORTHY
90%

45 of the top 50 financial institutions partner with us

OUR LEADERSHIP
Tracy Cheney
General Counsel and Secretary

Tracy Cheney is General Counsel and Secretary for Early Warning. She joined the company in 2006 and served in several legal roles including chief compliance officer.

In her current role, Cheney providers leadership, oversight and direction for all legal, regulatory, compliance and corporate governance affairs. She supervises the provision of legal support and advice for the company’s payments, authentication, risk and consumer reporting business lines; corporate development initiatives; intellectual property; and employment litigation matters.

Prior to Early Warning, Cheney served for nine years as Corporate Counsel for First Data Corporation’s money transfer, payment instruments, remittance and processing and merchant acquiring businesses. During that time she supported the formation and launch of Early Warning.

Cheney holds her J. D. from the University of Denver and a bachelor’s degree in business administration from the University of Southern California. She is admitted to practice law in Arizona and Colorado. Cheney is on the board of directors for the Consumer Data Industry Association.  

Mark Travi
Chief Financial Officer

Mark Travi, Chief Financial Officer for Early Warning, joined the company in June 2012 and manages the financial operations, contract and partner negotiations and acquisition strategy of the company.  His executive level financial and operational experience spans more than 22 years across multiple industries.  

Prior to joining Early Warning, Mark spent 2 years as the CFO/COO for Pathways Platform, a digital media start-up where he successfully negotiated a $3.0M Series A funding round and was instrumental in favorably restructuring the Company’s debt and operating structure.

Mark served 11 years as CFO for TMP Worldwide (a division of Monster Worldwide), the world’s largest publicly-held global recruitment advertising agency, where he was responsible for the organization’s financial and operational structure.  During his tenure, he was responsible for the vetting and integration of 40+ acquisitions and was an instrumental team member in the acquisition and development of the company known as Monster.com.  In 2002, he restructured the entire organization for continued profitable growth and led the sale of the agency to the private equity firm VSS in 2006 where he remained CFO through 2010.  

Mark also served as President/CFO of the publicly traded Telecomm Industries, Inc. which he sold to PentaStar Communications and later repurchased through his start-up company ACTI.

Prior to serving in those positions; he was an Audit Supervisor for two large public accounting firms. Mark earned his Bachelor of Science Degree in Accounting from Illinois State University.

Suzanne Hartin
Chief Risk Officer

Suzanne Hartin is Chief Risk Officer for Early Warning.  In this role, she leads the company’s risk functions including Information Security, Enterprise and Operational Risk Management, Business Continuity and Crisis Management, Third Party Risk Management, Compliance and Physical Security.

Suzanne has more than 20 years of risk management experience developed at a variety of the nation’s largest financial institutions. Prior to joining Early Warning, she was Vice President of Operational Risk Management at Capital One where she managed the Enterprise Business Continuity and Crisis Management teams as well as the Corporate Third Party Risk Management and Corporate Insurance Risk Management programs. She has also held a number of executive risk, compliance and information security positions at American Express and Bank of America.

Suzanne graduated from Davidson College with a degree in economics. She is a Certified Information Security Manager (CISM) and is Certified in Risk and Information Systems Controls (CRISC). Suzanne serves on the Board of Directors for Sytek Electric, the world leader in design and manufacture of high-powered sub-sea motors used on ROVs (remotely operated vehicles) and other sub-sea applications and is a member of ISACA and the Executive Women’s Forum (EWF).

Tracy Cheney is General Counsel and Secretary for Early Warning. She joined the company in 2006 and served in several legal roles including chief compliance officer.

In her current role, Cheney providers leadership, oversight and direction for all legal, regulatory, compliance and corporate governance affairs. She supervises the provision of legal support and advice for the company’s payments, authentication, risk and consumer reporting business lines; corporate development initiatives; intellectual property; and employment litigation matters.

Prior to Early Warning, Cheney served for nine years as Corporate Counsel for First Data Corporation’s money transfer, payment instruments, remittance and processing and merchant acquiring businesses. During that time she supported the formation and launch of Early Warning.

Cheney holds her J. D. from the University of Denver and a bachelor’s degree in business administration from the University of Southern California. She is admitted to practice law in Arizona and Colorado. Cheney is on the board of directors for the Consumer Data Industry Association.  

Connect with Tracy Cheney on LinkedIn

Mark Travi, Chief Financial Officer for Early Warning, joined the company in June 2012 and manages the financial operations, contract and partner negotiations and acquisition strategy of the company.  His executive level financial and operational experience spans more than 22 years across multiple industries.  

Prior to joining Early Warning, Mark spent 2 years as the CFO/COO for Pathways Platform, a digital media start-up where he successfully negotiated a $3.0M Series A funding round and was instrumental in favorably restructuring the Company’s debt and operating structure.

Mark served 11 years as CFO for TMP Worldwide (a division of Monster Worldwide), the world’s largest publicly-held global recruitment advertising agency, where he was responsible for the organization’s financial and operational structure.  During his tenure, he was responsible for the vetting and integration of 40+ acquisitions and was an instrumental team member in the acquisition and development of the company known as Monster.com.  In 2002, he restructured the entire organization for continued profitable growth and led the sale of the agency to the private equity firm VSS in 2006 where he remained CFO through 2010.  

Mark also served as President/CFO of the publicly traded Telecomm Industries, Inc. which he sold to PentaStar Communications and later repurchased through his start-up company ACTI.

Prior to serving in those positions; he was an Audit Supervisor for two large public accounting firms. Mark earned his Bachelor of Science Degree in Accounting from Illinois State University.

Connect with Mark Travi on LinkedIn

Suzanne Hartin is Chief Risk Officer for Early Warning.  In this role, she leads the company’s risk functions including Information Security, Enterprise and Operational Risk Management, Business Continuity and Crisis Management, Third Party Risk Management, Compliance and Physical Security.

Suzanne has more than 20 years of risk management experience developed at a variety of the nation’s largest financial institutions. Prior to joining Early Warning, she was Vice President of Operational Risk Management at Capital One where she managed the Enterprise Business Continuity and Crisis Management teams as well as the Corporate Third Party Risk Management and Corporate Insurance Risk Management programs. She has also held a number of executive risk, compliance and information security positions at American Express and Bank of America.

Suzanne graduated from Davidson College with a degree in economics. She is a Certified Information Security Manager (CISM) and is Certified in Risk and Information Systems Controls (CRISC). Suzanne serves on the Board of Directors for Sytek Electric, the world leader in design and manufacture of high-powered sub-sea motors used on ROVs (remotely operated vehicles) and other sub-sea applications and is a member of ISACA and the Executive Women’s Forum (EWF).

Connect with Suzanne Hartin on LinkedIn
Sean Murphy
Chief Internal Audit Executive

Sean Murphy is chief internal audit executive for Early Warning. Sean joined the company in 2010 and led the creation of the internal audit department that is responsible for auditing all aspects of Early Warning’s business operations for compliance with internal control and regulatory frameworks.  

With more than 30 years in public and internal auditing and compliance, this industry veteran’s experience spans multiple industries including financial services, higher education and technology.

Sean holds a bachelor’s degree in accounting from Brigham Young University and earned his CPA in Alaska. He is a Certified Internal Auditor, Certified Information Systems Auditor and is a member of ISACA and the IIA.

Lou Anne Alexander
Chief Product Officer

Lou Anne Alexander is Chief Product Officer at Early Warning. With more than thirty years of industry experience, the last ten in product leadership roles at Early Warning, Lou Anne leads all product-related initiatives at Early Warning, from strategy to execution – focusing on designing and developing products that help customers succeed in a rapidly changing market environment.

Lou Anne led the launch of Zelle®, a digital payments network connecting financial institutions of all sizes, for Early Warning. Today, one in two U.S. adults with a bank account has access to Zelle in their mobile banking app1, making it easy to send fast digital payments to people they know and trust with a bank account in the U.S.

Lou Anne is a frequent contributor on topics such as payments, retail banking, and risk for American Banker, PaymentsSource, The Wall Street Journal, PYMNTS.com, and others. She has presented at industry events including Money20/20, BAI Payments Connect, NACHA Payments and others. Lou Anne was honored to be part of PaymentSource’s "Most Influential Women in Payments" for 2017 and 2019 and was a "Women in Payments" nominee for Most Distinguished Professional in 2019.

Lou Anne joined Early Warning in 2009 and has held several leadership positions while expanding the payments and risk product roadmaps. As a recognized banking industry veteran, she served for more than two decades in executive positions at Wells Fargo, Wachovia, and First Union National Banks.

Lou Anne holds a bachelor’s degree in computer science from North Carolina State University and an M.B.A. from Queens University.

1 As of January 2020

Al Ko
Chief Executive Officer

Albert Ko is Chief Executive Officer of Early Warning Services, LLC, a fintech company owned by seven of the country’s leading banks. The company’s innovations empower financial institutions of all sizes to make confident decisions, enable payments and mitigate fraud.

Ko is well known for his consistent track record of leading at scale and developing innovative product experiences in financial technology, payments, and consumer and small business management. He assumed the role on May 13, 2019.

Early Warning has served to protect the financial services industry from fraud and risk for more than 25 years. Today, the company is best known as the owner and operator of the Zelle Network®, a financial services network focused on transforming financial experiences. But, it is the company’s rich portfolio of deposit and payment risk management, identity verification, and authentication solutions for banks that have been foundational to its years of success.

Prior to joining Early Warning, Ko served as Chief Transformation Officer for Intuit. Appointed to this role in 2017, Ko drove Intuit’s operating rhythm and oversaw the cross-company transformational change initiatives that allowed Intuit to re-imagine and re-invent itself in order to best serve its customers.

Over his 13+ year career at Intuit, Ko held numerous leadership positions, including General Manager of Mint and Head of Product for Intuit’s Small Business Group, where he was responsible for the global expansion of QuickBooks, Payments, and Payroll.

Before joining Intuit, Ko was a management consultant at both the Boston Consulting Group and McKinsey & Company where he advised technology and industrial clients on strategy, organizational effectiveness, and supply chain management.

Al holds a B.A. in History and International Studies from Yale University and a J.D. from Harvard Law School.

Sean Murphy is chief internal audit executive for Early Warning. Sean joined the company in 2010 and led the creation of the internal audit department that is responsible for auditing all aspects of Early Warning’s business operations for compliance with internal control and regulatory frameworks.  

With more than 30 years in public and internal auditing and compliance, this industry veteran’s experience spans multiple industries including financial services, higher education and technology.

Sean holds a bachelor’s degree in accounting from Brigham Young University and earned his CPA in Alaska. He is a Certified Internal Auditor, Certified Information Systems Auditor and is a member of ISACA and the IIA.

Connect with Sean Murphy on LinkedIn

Lou Anne Alexander is Chief Product Officer at Early Warning. With more than thirty years of industry experience, the last ten in product leadership roles at Early Warning, Lou Anne leads all product-related initiatives at Early Warning, from strategy to execution – focusing on designing and developing products that help customers succeed in a rapidly changing market environment.

Lou Anne led the launch of Zelle®, a digital payments network connecting financial institutions of all sizes, for Early Warning. Today, one in two U.S. adults with a bank account has access to Zelle in their mobile banking app1, making it easy to send fast digital payments to people they know and trust with a bank account in the U.S.

Lou Anne is a frequent contributor on topics such as payments, retail banking, and risk for American Banker, PaymentsSource, The Wall Street Journal, PYMNTS.com, and others. She has presented at industry events including Money20/20, BAI Payments Connect, NACHA Payments and others. Lou Anne was honored to be part of PaymentSource’s "Most Influential Women in Payments" for 2017 and 2019 and was a "Women in Payments" nominee for Most Distinguished Professional in 2019.

Lou Anne joined Early Warning in 2009 and has held several leadership positions while expanding the payments and risk product roadmaps. As a recognized banking industry veteran, she served for more than two decades in executive positions at Wells Fargo, Wachovia, and First Union National Banks.

Lou Anne holds a bachelor’s degree in computer science from North Carolina State University and an M.B.A. from Queens University.

1 As of January 2020

Connect with Lou Anne Alexander on LinkedIn

Albert Ko is Chief Executive Officer of Early Warning Services, LLC, a fintech company owned by seven of the country’s leading banks. The company’s innovations empower financial institutions of all sizes to make confident decisions, enable payments and mitigate fraud.

Ko is well known for his consistent track record of leading at scale and developing innovative product experiences in financial technology, payments, and consumer and small business management. He assumed the role on May 13, 2019.

Early Warning has served to protect the financial services industry from fraud and risk for more than 25 years. Today, the company is best known as the owner and operator of the Zelle Network®, a financial services network focused on transforming financial experiences. But, it is the company’s rich portfolio of deposit and payment risk management, identity verification, and authentication solutions for banks that have been foundational to its years of success.

Prior to joining Early Warning, Ko served as Chief Transformation Officer for Intuit. Appointed to this role in 2017, Ko drove Intuit’s operating rhythm and oversaw the cross-company transformational change initiatives that allowed Intuit to re-imagine and re-invent itself in order to best serve its customers.

Over his 13+ year career at Intuit, Ko held numerous leadership positions, including General Manager of Mint and Head of Product for Intuit’s Small Business Group, where he was responsible for the global expansion of QuickBooks, Payments, and Payroll.

Before joining Intuit, Ko was a management consultant at both the Boston Consulting Group and McKinsey & Company where he advised technology and industrial clients on strategy, organizational effectiveness, and supply chain management.

Al holds a B.A. in History and International Studies from Yale University and a J.D. from Harvard Law School.

Connect with Al Ko on LinkedIn
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