About Us

WE GET MONEY MOVING

ABOUT

1

When money moves, life happens®

OUR VISION

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. By leveraging bank-contributed data, we offer a full suite of solutions that gets money moving. Open new accounts. Send and receive payments.

OUR STORY

For more than 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

$806B

Moved through  Zelle® in 2023

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

Cameron Fowler
Chief Executive Officer

Cameron “Cam” Fowler is Chief Executive Officer at Early Warning Services, LLC, the company behind Zelle®, and the soon-to-launch PazeSM, a wallet that reimagines e-commerce payments. Early Warning has been empowering and protecting consumers, small businesses, and the U.S. financial system with cutting-edge fraud and payment solutions for more than three decades.

Prior to joining Early Warning, Cam served as Chief Strategy and Operations Officer for BMO Financial Group, the eighth-largest bank in North America by assets. In this role, he led broad enterprise transformation, accelerating BMO's evolution to a digitally enabled, future-ready bank driven by purpose, brand, and culture. He also drove strategic direction, brand, and impact commitments, digital investments and key shared services across the bank. Before joining BMO, Cam was a leader at Barclays in London where he served markets throughout the U.K., Europe, Middle East, and Africa. He led both digital and discretionary wealth businesses, including Barclays Wealth International and the European Private Bank. Before his two decades in global financial services, Cam held a range of roles in software, consulting, and public policy.

Cam attended Queen’s University in Ontario, Canada, where he received a BA in Politics and the London School of Business where he received his MBA.

Cam is the past chair of the Executive Council of the Canadian Bankers Association and Moneris Solutions.

James Anderson
Managing Director, Paze

James Anderson is the managing director of PazeSM at Early Warning. In this role, he leads the team responsible for bringing to market the PazeSM digital wallet and simplifying the online checkout process.  

Prior to joining Early Warning, James spent fifteen years at Mastercard, leading the digital transformation of the company’s consumer payments products, then re-setting the commercial product strategy by building a new two-sided network. During his tenure at Mastercard, he was chosen to be a member of Mastercard’s Management Committee.  

Before Mastercard, he spent six years in various leadership positions at BCGI where he launched and grew the payments line of business. 

James attended Oxford University, where he received a BA in Politics, Philosophy and Economics. He received his MBA from Columbia Business School, NY.  

Mike Cahill
Chief Technology Officer

Mike Cahill is Chief Technology Officer at Early Warning.

Mike brings nearly 30 years of experience as a hands-on technology leader, most recently at PayPal, where he spent the past 2 years leading various product and technology transformations. Most recently, he was a Senior Vice President of Engineering for Merchant Platforms, where he was responsible for Braintree and PayPal Checkout.

Before PayPal, he was Chief Technology Officer and Chief Operating Officer at Boku, Inc, a leading global provider of alternate payment solutions which he helped scale in preparation for its IPO in 2017. Prior to Boku, he was Vice President of Engineering at American Express for 2 years. ​

Mike is based in the San Francisco Bay Area and he enjoys woodworking, photography and plays saxophone in a few local bands.

Cameron “Cam” Fowler is Chief Executive Officer at Early Warning Services, LLC, the company behind Zelle®, and the soon-to-launch PazeSM, a wallet that reimagines e-commerce payments. Early Warning has been empowering and protecting consumers, small businesses, and the U.S. financial system with cutting-edge fraud and payment solutions for more than three decades.

Prior to joining Early Warning, Cam served as Chief Strategy and Operations Officer for BMO Financial Group, the eighth-largest bank in North America by assets. In this role, he led broad enterprise transformation, accelerating BMO's evolution to a digitally enabled, future-ready bank driven by purpose, brand, and culture. He also drove strategic direction, brand, and impact commitments, digital investments and key shared services across the bank. Before joining BMO, Cam was a leader at Barclays in London where he served markets throughout the U.K., Europe, Middle East, and Africa. He led both digital and discretionary wealth businesses, including Barclays Wealth International and the European Private Bank. Before his two decades in global financial services, Cam held a range of roles in software, consulting, and public policy.

Cam attended Queen’s University in Ontario, Canada, where he received a BA in Politics and the London School of Business where he received his MBA.

Cam is the past chair of the Executive Council of the Canadian Bankers Association and Moneris Solutions.

Connect with Cam Fowler on LinkedIn

James Anderson is the managing director of PazeSM at Early Warning. In this role, he leads the team responsible for bringing to market the PazeSM digital wallet and simplifying the online checkout process.  

Prior to joining Early Warning, James spent fifteen years at Mastercard, leading the digital transformation of the company’s consumer payments products, then re-setting the commercial product strategy by building a new two-sided network. During his tenure at Mastercard, he was chosen to be a member of Mastercard’s Management Committee.  

Before Mastercard, he spent six years in various leadership positions at BCGI where he launched and grew the payments line of business. 

James attended Oxford University, where he received a BA in Politics, Philosophy and Economics. He received his MBA from Columbia Business School, NY.  

Connect with James Anderson on LinkedIn

Mike Cahill is Chief Technology Officer at Early Warning.

Mike brings nearly 30 years of experience as a hands-on technology leader, most recently at PayPal, where he spent the past 2 years leading various product and technology transformations. Most recently, he was a Senior Vice President of Engineering for Merchant Platforms, where he was responsible for Braintree and PayPal Checkout.

Before PayPal, he was Chief Technology Officer and Chief Operating Officer at Boku, Inc, a leading global provider of alternate payment solutions which he helped scale in preparation for its IPO in 2017. Prior to Boku, he was Vice President of Engineering at American Express for 2 years. ​

Mike is based in the San Francisco Bay Area and he enjoys woodworking, photography and plays saxophone in a few local bands.

Connect with Mike Cahill on LinkedIn
Tracy Cheney
General Counsel and Secretary

Tracy Cheney is General Counsel and Corporate Secretary for Early Warning.  As the company’s first general counsel, Tracy played a key role in the formation and launch of Early Warning as a bank-owned company in 2006, including establishing internal governance policies and compliance programs. 

Tracy leads and oversees all legal, regulatory, and corporate governance affairs for the company’s highly-regulated payments and consumer reporting businesses and operations.  In this role, she  advises the Management Committee, senior management and business teams on a wide range of legal and regulatory matters, including compliance with consumer financial laws, privacy, antitrust, intellectual property, government relations and corporate governance.   

Prior to Early Warning, Tracy served for nine years as legal counsel for First Data Corporation supporting its money transfer, payment instruments, gift card, remittance processing and merchant acquiring businesses.

Tracy 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.

Andrea Gilman
Chief Marketing Officer

Andrea Gilman is the Chief Marketing Officer at Early Warning®. In this role, Andrea leads the teams responsible for the strategy and execution of all marketing and communications initiatives. With more than 25 years of experience in marketing, product development, and digital transformation, Andrea is a leader in developing new payment and loyalty innovations that benefit consumers and small businesses.

Most recently, she served as Chief Marketing Officer at Banyan, where she was focused on achieving what some consider ‘the holy grail of payments’ - enabling item level data to make payment experiences richer and more relevant.

Before Banyan, she held a series of leadership positions at Mastercard, most recently as Senior Vice President and Global Lead for small and medium enterprises. She also led the development of Mastercard’s innovation strategy for B2B real time payments as SVP of New Payment Flows, pairing information with payments to deliver smarter and more seamless customer experiences.

Andrea is a graduate of Bowdoin College and NYU’s Stern School of Business.

She has held board positions with the U.S. Faster Payments Council and the nonprofit Girls Inc., Westchester.

Denise Leonhard
General Manager, Zelle®

Denise Leonhard is the General manager of Zelle®. In this role, she oversees the Zelle® business end-to-end, providing strategic direction, managing product delivery and development, maintaining customer and bank relationships, managing risk and controls, and ensuring financial outcomes.  

Denise is a seasoned leader in financial services and electronic payments. with a career spanning over three decades in financial services and fintech. Denise’s impressive background includes serving as the general manager at Venmo, where she played a pivotal role in driving growth and launching a dozen new products. Prior to Venmo, she held several other leadership positions at PayPal and American Express.

She holds a Bachelor of Arts degree from Princeton University and a Master of Business Administration degree from the Wharton School, University of Pennsylvania. 

Denise is a member of the board of directors at Symetra Financial and the Surfrider Foundation. 

Tracy Cheney is General Counsel and Corporate Secretary for Early Warning.  As the company’s first general counsel, Tracy played a key role in the formation and launch of Early Warning as a bank-owned company in 2006, including establishing internal governance policies and compliance programs. 

Tracy leads and oversees all legal, regulatory, and corporate governance affairs for the company’s highly-regulated payments and consumer reporting businesses and operations.  In this role, she  advises the Management Committee, senior management and business teams on a wide range of legal and regulatory matters, including compliance with consumer financial laws, privacy, antitrust, intellectual property, government relations and corporate governance.   

Prior to Early Warning, Tracy served for nine years as legal counsel for First Data Corporation supporting its money transfer, payment instruments, gift card, remittance processing and merchant acquiring businesses.

Tracy 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.

Connect with Tracy Cheney on LinkedIn

Andrea Gilman is the Chief Marketing Officer at Early Warning®. In this role, Andrea leads the teams responsible for the strategy and execution of all marketing and communications initiatives. With more than 25 years of experience in marketing, product development, and digital transformation, Andrea is a leader in developing new payment and loyalty innovations that benefit consumers and small businesses.

Most recently, she served as Chief Marketing Officer at Banyan, where she was focused on achieving what some consider ‘the holy grail of payments’ - enabling item level data to make payment experiences richer and more relevant.

Before Banyan, she held a series of leadership positions at Mastercard, most recently as Senior Vice President and Global Lead for small and medium enterprises. She also led the development of Mastercard’s innovation strategy for B2B real time payments as SVP of New Payment Flows, pairing information with payments to deliver smarter and more seamless customer experiences.

Andrea is a graduate of Bowdoin College and NYU’s Stern School of Business.

She has held board positions with the U.S. Faster Payments Council and the nonprofit Girls Inc., Westchester.

Connect with Andrea Gilman on LinkedIn

Denise Leonhard is the General manager of Zelle®. In this role, she oversees the Zelle® business end-to-end, providing strategic direction, managing product delivery and development, maintaining customer and bank relationships, managing risk and controls, and ensuring financial outcomes.  

Denise is a seasoned leader in financial services and electronic payments. with a career spanning over three decades in financial services and fintech. Denise’s impressive background includes serving as the general manager at Venmo, where she played a pivotal role in driving growth and launching a dozen new products. Prior to Venmo, she held several other leadership positions at PayPal and American Express.

She holds a Bachelor of Arts degree from Princeton University and a Master of Business Administration degree from the Wharton School, University of Pennsylvania. 

Denise is a member of the board of directors at Symetra Financial and the Surfrider Foundation. 

Connect on LinkedIn
John Morton
Chief Risk Officer

John Morton is Chief Risk Officer for Early Warning. In this role, he leads the company’s risk functions including Enterprise and Operational Risk Management, Compliance and Exam Management, Data, Model, and Privacy Risk, Business Continuity and Information Security.  

John is a seasoned risk leader with a career spanning over three decades in financial services and fintech. Most recently, he spent 10 years at Capital One as a managing vice president and assistant chief credit officer overseeing elements of technology, cybersecurity, fraud, and credit risk management. Prior to Capital One, John was the Chief Risk Officer at Green Dot Corporation, where he led the risk management work needed for approval of their banking charter. Earlier in his career, he served as Vice President at GE (now Synchrony) where he led risk management for the Walmart private label, co-brand, and commercial credit card businesses. John's career in financial services began with Bank of America and includes several roles over 12 years in operations, analytics, and risk management.  

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.

José Resendiz
Chief Operating Officer

José serves as Chief Operating Officer at Early Warning, the fintech company owned by seven of the country's leading banks. In this role he guides the company’s strategy and leads the teams that bring it to life, including those responsible for corporate development, customer implementation and support, consumer and client servicing and fraud risk management.

Prior to joining Early Warning in 2021, José served as Executive Vice President – Global Head of New Ventures at Banco Santander. There, he led corporate strategy, emerging technologies, and the customer experience. He has two decades of business experience, 15 of which have been product-focused, at Intuit, Digital Insight and NCR.

José holds a Bachelor of Science degree from Stanford University in Management Science and Engineering. He has served on the boards of various non-profit organizations, most recently as the Financial Officer for Third Street Community Center in San Jose, Calif., an organization focused on providing free educational opportunities and STEM learning programs for school-aged children.

John Morton is Chief Risk Officer for Early Warning. In this role, he leads the company’s risk functions including Enterprise and Operational Risk Management, Compliance and Exam Management, Data, Model, and Privacy Risk, Business Continuity and Information Security.  

John is a seasoned risk leader with a career spanning over three decades in financial services and fintech. Most recently, he spent 10 years at Capital One as a managing vice president and assistant chief credit officer overseeing elements of technology, cybersecurity, fraud, and credit risk management. Prior to Capital One, John was the Chief Risk Officer at Green Dot Corporation, where he led the risk management work needed for approval of their banking charter. Earlier in his career, he served as Vice President at GE (now Synchrony) where he led risk management for the Walmart private label, co-brand, and commercial credit card businesses. John's career in financial services began with Bank of America and includes several roles over 12 years in operations, analytics, and risk management.  

Connect on LinkedIn

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

José serves as Chief Operating Officer at Early Warning, the fintech company owned by seven of the country's leading banks. In this role he guides the company’s strategy and leads the teams that bring it to life, including those responsible for corporate development, customer implementation and support, consumer and client servicing and fraud risk management.

Prior to joining Early Warning in 2021, José served as Executive Vice President – Global Head of New Ventures at Banco Santander. There, he led corporate strategy, emerging technologies, and the customer experience. He has two decades of business experience, 15 of which have been product-focused, at Intuit, Digital Insight and NCR.

José holds a Bachelor of Science degree from Stanford University in Management Science and Engineering. He has served on the boards of various non-profit organizations, most recently as the Financial Officer for Third Street Community Center in San Jose, Calif., an organization focused on providing free educational opportunities and STEM learning programs for school-aged children.

Connect with José
Natalie Schwimer
Chief People Officer

Natalie Schwimer is Chief People Officer for Early Warning. In this role, she leads the company’s human capital management strategies and people operations, including Culture, Engagement, Talent Management, Total Rewards, Talent Acquisition, and Training. Natalie has 20 years of expertise leading Human Resources functions in both the private and non-profit sectors, with a focus on Human Resources transformation, leadership development, and creating amazing work environments that rise up to meet the needs of both employees and customers.

Prior to Early Warning, Natalie served as the Regional Vice President of Human Resources for Chubb Insurance (Western Region), the world’s largest publicly traded property and casualty insurance company. While at Chubb, Natalie provided strategic regional leadership, with oversight of multiple talent initiatives and multi-state teams. She has additional experience in healthcare, financial services, home building, and the airline industry. Natalie holds a bachelor’s degree in English Literature and Secondary Education from Rutgers University, a Senior Certified Professional certification from the Society for Human Resources Management, and a teaching license. Natalie serves her community as a Board Member for the Make-A-Wish Foundation – Arizona Chapter. In her spare time, she enjoys running marathons, travel, and spending time with her family.

Mark Travi
Chief Financial Officer

Mark Travi, Chief Financial Officer for Early Warning, joined the company in June 2012 managing financial operations, partner contract negotiations, sales and M&A activity.  His executive level financial and operational experience spans more than 28 years across multiple industries.  

Prior to joining Early Warning, Mark served 11 years as CFO for the agency division of Monster Worldwide (Radancy), 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.  He restructured the organization increasing profitable growth and led the sale of the agency to the private equity firm VSS  where he remained as CFO.  

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.

Mark was instrumental as the CFO/COO for Pathways Platform, a digital media start-up where he successfully negotiated a Series A funding round and restructured the Company’s debt and operating structure.

Prior to serving in those positions, Mark was a Manager for a large public accounting firm after earning his Bachelor of Science Degree in Accounting from Illinois State University.

Natalie Schwimer is Chief People Officer for Early Warning. In this role, she leads the company’s human capital management strategies and people operations, including Culture, Engagement, Talent Management, Total Rewards, Talent Acquisition, and Training. Natalie has 20 years of expertise leading Human Resources functions in both the private and non-profit sectors, with a focus on Human Resources transformation, leadership development, and creating amazing work environments that rise up to meet the needs of both employees and customers.

Prior to Early Warning, Natalie served as the Regional Vice President of Human Resources for Chubb Insurance (Western Region), the world’s largest publicly traded property and casualty insurance company. While at Chubb, Natalie provided strategic regional leadership, with oversight of multiple talent initiatives and multi-state teams. She has additional experience in healthcare, financial services, home building, and the airline industry. Natalie holds a bachelor’s degree in English Literature and Secondary Education from Rutgers University, a Senior Certified Professional certification from the Society for Human Resources Management, and a teaching license. Natalie serves her community as a Board Member for the Make-A-Wish Foundation – Arizona Chapter. In her spare time, she enjoys running marathons, travel, and spending time with her family.

Connect with Natalie Schwimer on LinkedIn

Mark Travi, Chief Financial Officer for Early Warning, joined the company in June 2012 managing financial operations, partner contract negotiations, sales and M&A activity.  His executive level financial and operational experience spans more than 28 years across multiple industries.  

Prior to joining Early Warning, Mark served 11 years as CFO for the agency division of Monster Worldwide (Radancy), 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.  He restructured the organization increasing profitable growth and led the sale of the agency to the private equity firm VSS  where he remained as CFO.  

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.

Mark was instrumental as the CFO/COO for Pathways Platform, a digital media start-up where he successfully negotiated a Series A funding round and restructured the Company’s debt and operating structure.

Prior to serving in those positions, Mark was a Manager for a large public accounting firm after earning his Bachelor of Science Degree in Accounting from Illinois State University.

Connect with Mark Travi on LinkedIn

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