Our mission

Alloy solves the identity risk problem for banks and fintechs

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Today, nearly 500 banks and fintechs turn to Alloy to outpace fraud and grow with confidence. Why? Because Alloy provides a scalable, flexible platform to manage identity risk at origination and throughout the customer lifecycle.

With configurable solutions for fraud, credit, and compliance risk, dedicated expert guidance, and access to the industry’s most extensive ecosystem of data partners, Alloy is powering the delivery of great financial products to a growing number of organizations around the world.

Learn more about Alloy's solutions

We’re your unified platform for fraud management, identity decisions, and regulatory compliance

Trusted by hundreds of financial service providers

Lightspeed 2
Justin Overdoff, Partner
Lightspeed Venture Partners

“Alloy plays a critical role in the financial ecosystem by bringing their expertise and platform to both emerging fintech companies and established banks. Fraud is inevitable; it’s one of the biggest risks for new financial technology. Leveraging Alloy’s infrastructure gives companies a leg up by providing a unique, holistic view of each customer from the day they onboard throughout their entire lifecycle to help fight fraud each step of the way.”

Our partners

We partner with some of the biggest, most trusted brands in the finance industry.

Alloy uses data orchestration to help banks and fintechs make better identity risk decisions.

About Alloy

Founded in 2015, Alloy was built to help connect banks and fintechs to more sources of KYC, KYB, AML, and other identity, fraud, and compliance data. The idea was simple — the more data you have to make a decision, the more confident you’ll be in that decision.

Back then, instead of using a platform like Alloy, companies partnered with individual data vendors that their engineers integrated separately. It was expensive, time-consuming, and inefficient.

After meeting at a payments startup, Alloy co-founders Tommy Nicholas, Laura Spiekerman, and Charles Hearn teamed up to form Alloy and address these challenges. In Alloy’s early days, they faced many rejections from investors who were hesitant to adopt an entirely new product. Feedback from clients, on the other hand, was so overwhelmingly positive that they persisted, and were eventually accepted to Techstars.

Today, Alloy processes millions of daily identity decisions for the world’s leading banks and fintechs offering financial products in 40 countries across North America, EMEA, LATAM, and APAC. We’re 100% dedicated to making banking as inclusive, unbiased, and secure as it should be for people around the world. We hope you’re into that, too.

Learn more about our values

Meet our leadership team

Alloy’s growing team is led by its three co-founders:

Tommy Nicholas, CEO
Laura Spiekerman, President
Charles Hearn, CTO

We are all just a little obsessed with fraud prevention software, but not in a weird way.

Tommy Nicholas

Tommy Nicholas
CEO

Laura Spiekerman

Laura Spiekerman
President

Charles Hearn

Charles Hearn
CTO

Kiran Hebbar

Kiran Hebbar
CFO

Parilee Wang

Parilee Wang
CPO

Keith Kettell

Keith Kettell
CRO

Richard Scioli

Richard Scioli
VP Business Development

Brian Bender

Brian Bender (he/him)
GM, VP Partner Solutions

Kim Nguyen

Kim Nguyen
VP People

Jamie Verdi

Jamie Verdi
VP Client Success

Our investors

We are proud to have the support of a diverse group of investors who share our vision and mission.

Bessemer venture partners
Lightspeed 2
Canapi
Eniac ventures
Felicis ventures
Avid ventures
Primary venture partners

Alloy in the news

See all our recent press

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The Fintech 50 2024

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An Industry Insider on the Growing Importance of Compliance in Bank-FinTech Relationships

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What Wider Adoption Of Real-Time Payments Means For Financial Services

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Join us in empowering companies to see their customers as people—not just social security numbers

We’re a tech company by category, not by culture. Our team of diverse, deeply talented people embraces all genders, races, ethnicities, and backgrounds, and believe that seeing eye-to-eye and collaboration are what make Alloy work. If you're looking to join a team of awesome folks, we’re hiring!

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