Carreker Corporation Press Release - April 11, 2005

Carreker and ID Analytics Announce Alliance to Fight Identity Fraud in Retail Banking

Combined Solution to Address Payment and Deposit Fraud Schemes Employed by Sophisticated Fraudsters

NACHA PAYMENTS 2005, SAN ANTONIO, TX AND SAN DIEGO, CA, April 11, 2005— Carreker Corporation (Nasdaq: CANI), a leading provider of technology and consulting solutions for the financial industry, and ID Analytics, Inc., the Identity Risk Management company, today announced an alliance.

Through this alliance, each company will strengthen its ability to detect identity fraud at the point of application and at the point of deposit, as well as during a change to a deposit account. The combined solution will help both companies better manage identity risk across the customer lifecycle, particularly at these points where sophisticated fraudsters manipulate payments to finance and further their crimes.

Deposit fraud remains at the top of the list of financial institutions' risk management concerns. In its recently released Deposit Account Survey, the American Bankers Association stated that for the commercial banking industry as a whole, actual gross losses (before recoveries) from check fraud amounted to $677 million in 2003. Forty percent of the survey's respondents ranked identity theft as the number one emerging risk, followed by 21 percent who viewed check fraud as the leading threat. Carreker and ID Analytics solutions address both these types of fraud.

As a leader in advanced software applications for fraud detection and risk management, Carreker Corporation’s solutions address the growing identity risk challenges related to demand deposit, check security and the electronic payments processing environment. ID Analytics leads the market in identity fraud prevention with its ID Network, the first and only national system developed exclusively to manage identity risk, fueled in real time by a steady stream of identity elements across multiple industries, learning constantly as new elements appear on the network.

Bruce Hansen, chairman and CEO of ID Analytics, said, “Our alliance with Carreker will allow the retail bank marketplace to leverage the ID Network and its hundreds of millions of identity patterns, both real and suspicious. The combination of our core capabilities will yield significant advances in the ability to detect several types of identity fraud, while reducing costs associated with manual operations.”

Together ID Analytics and Carreker will help retail banks better identify identity risk and ensure compliance throughout the lifecycle of a deposit account from account opening through continuous account monitoring. Additionally, Carreker Corporation will integrate ID Analytics’ Identity Risk Management solutions into its proven fraud solution suites to enhance fraud detection and lower operating costs when detecting payment and deposit fraud.

“By forming this alliance with ID Analytics, Carreker is making the logical move from being the leader in deposit fraud detection to identity fraud detection,” said J.D. (Denny) Carreker, chairman and CEO of Carreker Corporation, “This combined solution will leverage our relationships with scores of banks, building on the protection we already extend to more than 70 percent of the checks written in the U.S.”

About Carreker Corporation
Carreker Corporation improves earnings for financial institutions around the world. The Company’s integrated consulting and software solutions are designed to increase clients’ revenues and reduce their expenses, while improving security and increasing the value of their customer relationships. Carreker provides products and services to more than 250 clients in the United States, Canada, the United Kingdom, Ireland, continental Europe, Australia, New Zealand, South Africa, South America, Mexico, and the Caribbean. Clients include the full range of community, regional and large banks, among them more than 75 of the largest 100 banks in the United States. Headquartered in Dallas, Texas since 1978, Carreker Corporation has offices in London and Sydney. For more information, visit www.carreker.com.

About ID Analytics
ID Analytics is the Identity Risk Management company providing advanced analytic solutions that prevent identity fraud and manage identity risk across the customer lifecycle. ID Analytics' intelligent ID Network, the first and only real-time national network built exclusively to manage identity risk, coupled with its optimization technology, makes it possible for companies to balance profit against identity risk. The ID Network is already used daily by over half the credit and retail card issuer market in the U.S., as well as leading wireless and online consumer finance companies. Founded in 2002 and based in San Diego with offices throughout the U.S. and in the UK, ID Analytics is led by an executive team with strong fraud analytics experience.

For More Information Contact:

ID Analytics and ID Score are trademarks of ID Analytics, Inc. All other trademarks and registered trademarks are the property of their respective holders.