End-to-End Compliance
Agentic AI for KYC and compliance
Compliance doesn't have to be complicated. Alloy automates the full scope of KYC, KYB, and AML with an AI Assistant that steps in to handle the cases that can’t be resolved through straight-through processing alone. Your analysts focus on the highest-risk cases, while Alloy handles the rest.
Schedule a demo“Alloy enabled us to get to the market quickly, allowing us to grow fast without worrying about stringing together all the KYC vendors we needed to have a robust CIP program. In just a month, we were onboarding users and reducing risk using the Alloy system.”
Tyler McIntyre Co-founder & CTO at Novo
-
50%
Fewer manual reviews
-
68%
Approval automation
-
2x
Good customer conversion
Our Approach
Built-in, full-lifecycle compliance
Alloy’s compliance solution keeps your program current and audit-ready from the moment a customer applies for a consumer or business account through every interaction that follows.
Alloy's Data Network
The broadest network of compliance data in the industry
Compliance decisions are only as sound as the data behind them. Alloy integrates with 270+ solution partners covering identity verification, document checks, device intelligence, watchlists, credit data, and public registries. Mix and match providers, switch vendors without code changes, and maintain compliance across multiple jurisdictions at once. As your needs evolve, so does your data stack.
AI Automation
One AI Assistant for all compliance-related tasks
Alloy's AI Assistant is a context-aware agentic solution embedded directly within your risk and compliance workflows.
Rather than toggling between agents, Alloy offers a single AI Assistant that handles the full scope of work: surfacing information, interpreting it, summarizing it, and taking action, all within the same auditable system where your decisions already live. Use it to accelerate reviews, resolve watchlist hits, triage sanctions alerts, prepare AML investigations, and more.
KYB & KYC
Know who your customers are at every stage of the relationship
Alloy’s compliance solution keeps your program current and audit-ready from the moment a customer applies for a consumer or business account through every interaction that follows.
KYC
Know Your Customer (KYC)
Without Alloy
Relying on a single KYC provider means gaps in coverage. Good applicants get flagged or declined and manual review queues grow. Meanwhile, fraud slips through.
With Alloy
Multiple KYC data sources run in parallel, giving you more signals on every applicant. Step-up verification triggers only when it's warranted, and your reviewers spend time on cases that actually need them.
KYB
Know Your Business (KYB)
Without Alloy
Verifying a business means pulling data from multiple sources and running separate checks for AML and fraud. The more complex the structure, the longer it takes.
With Alloy
A single API call simultaneously verifies the business entity and its ultimate beneficial owners (UBOs), with KYC, AML, and fraud checks running in tandem.
pKYC/B
Perpetual KYC/KYB
Without Alloy
KYC and KYB reviews happen on a fixed schedule, revalidating customer data every 12–24 months. By the time a review runs, identity and risk profiles may no longer reflect reality.
With Alloy
Identity and risk profiles update continuously using live behavioral, transactional, and third-party data. Perpetual KYC/KYB keeps customer information accurate in real time, reducing compliance gaps and accelerating your risk response.
Know Your Customer (KYC)
Without Alloy
Relying on a single KYC provider means gaps in coverage. Good applicants get flagged or declined and manual review queues grow. Meanwhile, fraud slips through.
With Alloy
Multiple KYC data sources run in parallel, giving you more signals on every applicant. Step-up verification triggers only when it's warranted, and your reviewers spend time on cases that actually need them.
Know Your Business (KYB)
Without Alloy
Verifying a business means pulling data from multiple sources and running separate checks for AML and fraud. The more complex the structure, the longer it takes.
With Alloy
A single API call simultaneously verifies the business entity and its ultimate beneficial owners (UBOs), with KYC, AML, and fraud checks running in tandem.
Perpetual KYC/KYB
Without Alloy
KYC and KYB reviews happen on a fixed schedule, revalidating customer data every 12–24 months. By the time a review runs, identity and risk profiles may no longer reflect reality.
With Alloy
Identity and risk profiles update continuously using live behavioral, transactional, and third-party data. Perpetual KYC/KYB keeps customer information accurate in real time, reducing compliance gaps and accelerating your risk response.
ANTI-MONEY LAUNDERING
Monitor, investigate, and file all in one place
AML monitoring
Anti-Money Laundering (AML) monitoring
Without Alloy
Building AML rules from scratch and keeping up with evolving regulations takes time. Teams end up patching workflows after the fact rather than staying ahead of requirements.
With Alloy
Out-of-the-box rules built from industry best practices ensure compliance from day one. Meanwhile, custom rules and workflows, built for your business' unique risk tolerance, monitor customers' ongoing activity and flag potentially suspicious behavior in real time. Alloy screens for common typologies such as structuring, the circulation of funds, money-mule activity, and funneling to meet specific AML regulations, such as the Bank Secrecy Act (BSA) and the Proceeds of Crime Act 2002 (POCA).
AML case management
AML case management
Without Alloy
Investigations are scattered across systems. Analysts piece together activity from multiple sources, hand off work manually, and track filings separately, which slows resolution and creates audit risk.
With Alloy
One dashboard lets you investigate suspicious activity, collaborate across teams, and complete regulatory filings. Flexible queues, automatic assignment, and customizable filters route alerts to the right AML, fraud, or risk function so cases move quickly and nothing gets missed.
Anti-Money Laundering (AML) monitoring
Without Alloy
Building AML rules from scratch and keeping up with evolving regulations takes time. Teams end up patching workflows after the fact rather than staying ahead of requirements.
With Alloy
Out-of-the-box rules built from industry best practices ensure compliance from day one. Meanwhile, custom rules and workflows, built for your business' unique risk tolerance, monitor customers' ongoing activity and flag potentially suspicious behavior in real time. Alloy screens for common typologies such as structuring, the circulation of funds, money-mule activity, and funneling to meet specific AML regulations, such as the Bank Secrecy Act (BSA) and the Proceeds of Crime Act 2002 (POCA).
AML case management
Without Alloy
Investigations are scattered across systems. Analysts piece together activity from multiple sources, hand off work manually, and track filings separately, which slows resolution and creates audit risk.
With Alloy
One dashboard lets you investigate suspicious activity, collaborate across teams, and complete regulatory filings. Flexible queues, automatic assignment, and customizable filters route alerts to the right AML, fraud, or risk function so cases move quickly and nothing gets missed.
EMBEDDED FINANCE
Compliance across your partner portfolio
Alloy gives sponsor banks and BaaS providers a single dashboard to set, enforce, and monitor risk policies across every fintech partner relationship. Fintechs get visibility into their own policies and performance, so they can build compliant products independently.
SANCTIONS
Screen, file, and stay ahead of what's required
SAR/CTR FILING
SAR/CTR filing requirements
Without Alloy
Filing Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) means aggregating data manually, formatting it, and submitting it through a separate system. As a result, analysts are pulled away from actual investigations.
With Alloy
All SARs are directly e-filed with FinCEN from within Alloy's case management system. Suspicious activity data is aggregated automatically. Your team spends less time on paperwork and more time on the cases that need their attention.
WATCHLIST & SANCTIONS SCREENING
Watchlist & sanctions screening
Without Alloy
Watchlists change daily. Teams relying on periodic manual checks are always working from information that may already be out of date.
With Alloy
Automated, recurring checks run against the most current watchlists, so you always know who you're doing business with. Configurable workflows let you set the cadence and scope, and the AI Assistant helps analysts quickly distinguish true matches from false positives.
SAR/CTR filing requirements
Without Alloy
Filing Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs) means aggregating data manually, formatting it, and submitting it through a separate system. As a result, analysts are pulled away from actual investigations.
With Alloy
All SARs are directly e-filed with FinCEN from within Alloy's case management system. Suspicious activity data is aggregated automatically. Your team spends less time on paperwork and more time on the cases that need their attention.
Watchlist & sanctions screening
Without Alloy
Watchlists change daily. Teams relying on periodic manual checks are always working from information that may already be out of date.
With Alloy
Automated, recurring checks run against the most current watchlists, so you always know who you're doing business with. Configurable workflows let you set the cadence and scope, and the AI Assistant helps analysts quickly distinguish true matches from false positives.
RESOURCES
Go deeper
FAQs
-
How does Alloy help with compliance risk management in financial services?
Alloy helps financial institutions and fintechs automate compliance risk management by centralizing KYC, KYB, and AML processes in a single platform. Instead of managing multiple tools or manual workflows, teams can apply configurable, risk-based rules that automatically enforce regulatory requirements across onboarding, transaction monitoring, and perpetual KYC/KYB. Clients can use our Customer Risk Assessment (CRA) capabilities to determine the cadence of KYC refreshes and apply agentic automation to any task driven by Standard Operating Procedures (SOPs) done by human reviewers. This unified approach ensures consistent compliance across products, geographies, and customer types while reducing time spent on manual reviews.
-
Does Alloy support anti-money laundering (AML) compliance and monitoring?
Yes. Alloy provides a centralized AML compliance solution that connects to global watchlists and sanctions data. Our platform flags suspicious activity in real time and enables prompt action by providing integrated case management for efficient investigations, including the generation of Suspicious Activity Reports (SARs) and Currency Transaction Reports (CTRs). This helps compliance teams meet BSA/AML obligations efficiently while minimizing operational burden.
-
How does Alloy use agentic AI to automate compliance operations?
Alloy combines rule-based systems and agentic AI so each layer does what it does best. Rules enforce your policies consistently at scale, applying your risk tolerance to every decision across onboarding, transaction monitoring, and perpetual KYC/KYB.
Alloy's AI Assistant then takes on the judgment-intensive work that would otherwise fall to human reviewers: the kind of compliance operations that SOPs were written for but that don't need a person to execute them.
On the fraud detection side, Alloy's machine learning model, Fraud Signal, continuously updates customer profiles with risk scores derived from behavioral, transactional, and identity signals — giving the AI Assistant richer context to work with and a sharper picture of risk across the full customer lifecycle.
-
How does Alloy ensure explainability across AI-assisted compliance decisions?
Alloy combines orchestration, data, and agentic AI to automate financial crime compliance tasks, from KYC workflows and due diligence to adverse media screening and high-risk customer reviews. Unlike black box AI systems, Alloy's AI models are built into the decisioning engine, so every output is explainable and grounded in your actual policies and data. Clear, auditable summaries give analysts full visibility into the reasoning behind each decision, so human oversight is fast and frictionless at any volume.
-
How does Alloy simplify Know Your Business (KYB) verification and Ultimate Beneficial Owner (UBO) checks?
Alloy automates KYB and UBO verification for business accounts by pulling data from authoritative registries, watchlists, and ownership databases. Alloy supports screening against 1,000+ sanctions and regulatory watchlists across 100+ countries, via our integrated watchlist data partners. We verify both entities and their beneficial owners at onboarding and on an ongoing basis for perpetual KYB (pKYB). This automation reduces manual review time, prevents shell-company fraud, and ensures compliance with FinCEN’s beneficial ownership rule and global AML frameworks.