Alloy helps over 350 financial institutions make safe and seamless fraud, credit, and compliance decisions. Alloy’s identity verification platform connects companies to more than 170 data sources of KYC/KYB, AML, credit, and compliance data through a single API to prevent fraud and meet compliance requirements today and in the future.

Location:New York, United States
Founded: 2015

Fraud Solution Profile

Alloy is the global Identity Decisioning Platform that helps banks and fintech companies automate their decisions for onboarding, transaction monitoring and credit underwriting.

Alloy allows financial institutions to keep their top-of-the-funnel open without being exposed to more risk. Alloy’s origination workflows verify that each applicant is who they say they are to stop fraud and minimize manual reviews. Alloy integrates with the best technology and data partners across the world and offer tools, such as element velocity matching (which detects accounts that share identity elements like phone number, SSN, or email), to help protect your organization against first-party, third-party, and synthetic fraud.  

Ongoing monitoring 

Not all fraud happens at the front door. Ongoing monitoring considers data collected at onboarding — along with account and transaction data associated with a user — and continuously monitors for risk and fraud across the customer lifecycle in real-time. By leveraging ML-powered models, intelligent decisioning workflows, and real-time interdiction capabilities, Alloy can monitor accounts and transactions for unusual activity like unauthorized payments and ACH transfers, changes in account ownership or control, and signs of financial crime. 

Easy to get started, easier to scale 

With hundreds of clients and millions of decisions approved daily, Alloy has developed the expertise to help clients fight fraud from day one. 

Alloy’s best practices and out-of-the-box rules are designed to get clients up and running quickly with best-in-class protection to prevent fraud and stay compliant. 

As your needs change, you can add in or change data sources without needing to build new integrations. Our platform makes it easy for you to optimize your workflows by testing workflow updates in our What-if Analysis tool to see how the changes would impact your evaluations before you push them live. 


Montain American Credit Union


Ecommerce, Financial Services
 Primary Functionality
Orchestration Hubs
 Fraud Type
Account Takeover, KYC & AML, New Account Fraud, Payment Fraud, Synthetic Identity Fraud
Behavioral Biometrics, Machine Learning, Multi-Factor Authentication, Rules Engine