Get a clear view of your customers’ activity with Alloy’s centralized identity and fraud prevention platform. Alloy leverages the broadest network of identity and fraud signals, enabling financial institutions and fintechs to detect and respond to fraud and compliance threats.
Gain unique insight across onboarding, transactions, and non-monetary events data to predict fraud in new accounts.
Determine the risk level of each customer at onboarding. Enable perpetual KYC and keep up with changes in your customer’s evolving risk profile by continuously monitoring their activities, getting alerted on risky behavior, and automatically taking action to mitigate it.
Operationalize with ease using pre-built integrations with the broadest network of solutions partners
Quickly adapt to new threats with visibility into fraud patterns across other FIs
Enable instant decisioning and actions off the back of high-risk activity
Build a dynamic identity profile of your customers’ needs and risks — not just a point-in-time snapshot. The information captured during onboarding, when viewed with ongoing transaction and account activity, creates an evolving customer profile.
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.
Identify and act on customer activity right within Alloy’s user interface. 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.
Jason Gross, Co-Founder and CEO at Petal
Get set up quickly with off-the-shelf rules
Choose from tried-and-tested rules to detect fraud and financial crime or customize your own workflow from scratch.
Test and optimize rules
Understand the impact of your rules and simulate scenarios before pushing to production.
Perpetual KYC
Automate recurring KYC, KYB, and sanctions checks using customized rules based on customers' dynamic risk ratings and ongoing activity.
Investigate suspicious activity
Built-in case management allows you to quickly triage cases to the appropriate teams, freeze/unfreeze accounts in response to suspected fraud and complete regulatory filings — all from a single, intuitive interface.
View activity history for auditing and compliance
Alloy provides an audit history for all actions your customers take, allowing you to easily meet BSA and AML requirements.
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.
