Our Story

Certn was founded with the goal of building a platform that enhances how we evaluate credibility in order to help promote financial inclusion for the public, while reducing risk for financial institutions, landlords and employers.

One of the largest challenges facing financial institutions, landlords and employers is how to effectively service potential customers who are considered ‘unbanked’ or ‘underbanked’, and how to avoid losing some of their best potential clients because they have ‘thin’ or ‘no’ credit. It’s estimated that more than 3 billion people globally could gain access to credit at affordable rates if there was an effective way to assess their ability to pay. We aim to solve this problem with behavioural and data science to accurately predict what a customer will do, regardless of their lack of credit history.

Certn is a platform that uses data points from thousands of sources to not only look at the past, but for the first time, leverage data science to predict the future. Using machine learning and artificial intelligence (AI), we attempt to create the most comprehensive and predictive applicant profiles available. This allows our customers to effectively validate identity, and make better risk decisions while satisfying ‘know your customer’ (KYC) and ‘anti-money laundering’ (AML) requirements.

Our Team

Andrew McLeod
Andrew McLeod
C3O
Evan Dalton
Evan Dalton
C3O
Owen Madrick
Owen Madrick
C3O
Chris Cook
Chris Cook
Front-End
Curtis Smith
Curtis Smith
Systems & API
Daniel Faulkner
Daniel Faulkner
Data & Security
Will Nettke
Will Nettke
Scoring
Michael Bhatti
Michael Bhatti
Design
Patrick Kelly
Patrick Kelly
Developer
Elle Herron
Elle Herron
Customer Success

Our Board

Elizabeth Liu
Elizabeth Liu
Legal Advisor
Paul Rawlinson
Paul Rawlinson
Risk Advisor
Jeffrey Fuhr
Jeffrey Fuhr
Behavioral Psychology Advisor
Reed Kipp
Reed Kipp
Property Management Advisor
Hannes Blum
Hannes Blum
Strategic Advisor
Scott Lake
Scott Lake
Strategic Advisor
Rasool Rayani
Rasool Rayani
Strategic Advisor