Alloy unifies identity verification with continuous lifecycle monitoring, powered by the broadest network of identity and fraud signals in the industry. The result is an evolving view of customer risk that helps financial institutions and fintechs detect threats early, meet compliance requirements, and protect customer trust.
Onboarding checks are a point-in-time snapshot. Alloy connects initial insights from onboarding with ongoing transaction and behavioral data to provide a comprehensive portrait of each customer. This dynamic view helps you spot changing risk levels, automate perpetual KYC refreshes, and take action the moment suspicious activity occurs.
Enable continuous fraud protection with automated interdiction and dynamic step-up when risk spikes
Shift from transaction-centric to identity-centric fraud prevention to stay ahead of new threats
Protect and personalize experiences by continuously monitoring customers and adapting to user risk in real time
– Alloy’s 2026 State of Fraud Report
Dennis Gamiello
EVP, Global Head of Identity at Mastercard
Build dynamic customer profiles that go beyond the first checkpoint. Alloy links onboarding data with ongoing transactions and account activity to connect early risk signals and surface customer risk in real time.
Alloy’s suite of actionable AI tools helps financial institutions and fintechs catch fraudsters before they can move money. Fraud Signal, Alloy's proprietary predictive model, analyzes each customer's information and account behavior to provide a personalized, dynamic, and real-time risk score.
Identify and act on customer activity right with built-in case management capabilities. Review flagged activity, collaborate with other team members, make approval or denial decisions, and file Suspicious Activity Reports (SARs) as needed.
Create rules to flag high-risk events and transactions. Rules can be as straightforward or as complex as needed depending on your goals and risk tolerance. Configure, test, and update rules without any coding.
Get visibility into customer transactions and activity with batch or real-time API monitoring. Flexible enough to accommodate different data processors and data models, Alloy can transform your most complex data into clean, automated processes.
Dive in quickly with off-the-shelf rules
Quickly push defenses live with Alloy’s tried-and-tested rule templates for fraud and financial crime. Start with pre-built workflows, then customize as you scale.
Test and fine-tune your controls
Simulate scenarios and see the impact of your rules before they go live, so you can launch with confidence.
Automate perpetual KYC & KYB
Reduce manual reviews with automated, rules-based KYC, KYB, and sanctions checks that adapt as customer risk changes.
Investigate and act from one platform
Built-in case management lets you triage cases, freeze or unfreeze accounts, and complete regulatory filings — all from a single, intuitive interface.
View activity history for auditing and compliance
Get a reliable record of every customer action. Alloy’s audit history supports smooth investigations and keeps you compliant with BSA and AML rules.
Alloy’s ongoing fraud monitoring solution works with our onboarding solution to continuously update customer risk profiles across the lifecycle. By orchestrating signals from logins, transactions, and account changes, financial organizations can detect anomalies in real-time and carry out AML transaction monitoring and perpetual KYC requirements. This dynamic process ensures evolving customer behavior informs new risk evaluations and decisions.
Yes. Alloy provides visibility into monetary events through its transaction monitoring software, as well as non-monetary event monitoring such as credential resets, unusual logins, or profile updates. This enables precise account change fraud detection alongside financial monitoring, giving financial organizations a holistic risk view. Unlike traditional transaction monitoring software that only looks at payments, Alloy unifies financial activity with identity and behavioral signals in a single platform.
Perpetual KYC (pKYC) is the practice of continuously refreshing customer information instead of relying only on periodic reviews. Alloy delivers a full perpetual KYC solution by automating identity checks, enriching profiles with live behavioral and transactional signals, and triggering updates or step-up verification when risk levels change. This approach enables ongoing identity verification and ensures financial organizations maintain dynamic KYC compliance — keeping customer data accurate in real time while reducing compliance overhead.
Alloy’s case management tool automatically flags suspicious activity, enables investigators to review cases, and generates SAR documentation. This makes it easier to meet BSA/AML obligations while reducing the time required to prepare reports.
Yes. Alloy maintains a complete audit trail of monitoring events, rule decisions, and actions taken. You can easily export logs and reports to demonstrate compliance with AML and KYC regulations during audits.
