Get 2026 fraud trends and statistics for financial institutions and fintechs, and benchmark your fraud strategy to elevate your defenses.
See how Alloy's identity and fraud prevention platform uses AI and 270+ data solutions to detect fraud and accelerate growth across the customer lifecycle.
Alloy CEO Tommy Nicholas breaks down the 3 trends keeping fraud and compliance teams up at night: AI-accelerated fraud, agentic users (KYA), and efficiency mandates.
7th largest credit union in the U.S. drives growth by keeping members safe
Watch a conversation and demo to see how banks and credit unions can use machine learning models to stay ahead of fraud risk and deliver friction-right experiences.
When authentication and fraud prevention operate in silos, account takeover attacks slip through. Here's what unified detection actually looks like.
Alloy Marketplace unites 270+ partner solutions and a new library of pre-built decisioning logic in one dashboard. Discover, test, and deploy from one place.
Why spend time on tedious manual reviews when AI can do it for you? Learn how agentic AI for KYC and compliance is helping financial orgs optimize efficiency.
7th largest credit union in the U.S. drives growth by keeping members safe
Alloy’s real-time risk assessments helps IncredibleBank create a holistic risk profile for each applicant.
Alloy helps Earnest optimize customer onboarding and underwriting to boost conversion rates
Know Your Agent (KYA) is how financial institutions verify AI agents acting for customers. Learn the core controls and how it differs from KYC.
Learn how actionable AI empowers financial institutions and fintechs to move from detecting fraud to agile prevention.
Banks and fintechs run into challenges that cause customer friction when it comes to AML, KYB, and KYC regulations.
Alloy's September 2026 releases: chat with AI Analysis, AskAlloy 24/7 AI support, self-serve data routing, and session risk scores for authentication.
See how Alloy's identity and fraud prevention platform uses AI and 270+ data solutions to detect fraud and accelerate growth across the customer lifecycle.
Key takeaways from Alloy Summit 2026, where 120+ fraud and risk leaders from banks and fintechs tackled AI agents, Know Your Agent (KYA), and fraud detection.
Alloy's August 2026 release notes: the Alloy Marketplace with pre-built policy snippets, self-service attribute management, and a new application review experience.
NEW YORK, Sept. 3, 2026 (GLOBE NEWSWIRE) -- Nasdaq Verafin today announced a partnership with Alloy, a leading AI-powered identity and fraud prevention platform, designed to connect fraud intelligence across the customer lifecycle, starting with the integration of fraud risk signals between the two platforms. Nasdaq Verafin will join Alloy’s expansive partner network, enabling mutual customers to access fraud insights from Nasdaq Verafin’s consortium data network of over 850 million counterparties directly within Alloy’s platform.Over the last two years, fraud losses reached new heights of $579.4 billion, according to Nasdaq Verafin’s 2026 Global Financial Crime Report. Bad actors are leveraging sophisticated AI tools to scale their attacks across multiple institutions. However, with incomplete information, financial institutions may not know whether an entity has already been linked to confirmed fraud at another institution. With access to data that matches entity information against confirmed fraudulent activity across Nasdaq Verafin’s consortium data network in Alloy, mutual customers will now be able to have a more complete picture of financial crime risk throughout their customers’ lifecycle, beginning at account onboarding.“As fraud threats become more sophisticated and move faster than ever, we need to give financial institutions the opportunity to proactively strengthen their defenses by offering greater visibility into fraud risks from across the financial system,” said Colin Parsons, VP and Head of Fraud Product Strategy, Nasdaq Verafin. “Through this partnership, we’re more closely integrating fraud signals between the Nasdaq Verafin and Alloy platforms to give financial institutions the ability to see a more complete picture of the threat landscape.”In addition, Alloy’s real-time fraud alerts will be integrated into Nasdaq Verafin’s alert, investigation, and case management platform for mutual customers, helping to close the loop between detection and action. Suspicious activity flagged in Alloy will feed into the Nasdaq Verafin platform, so financial institutions can investigate and quickly take action in one unified workflow. Case outcomes will then flow back into Fraud Signal, Alloy’s proprietary identity-centric predictive machine learning model, helping sharpen end-to-end fraud controls with every resolved case. “Fraud teams are under pressure to be fast and thorough at the same time, but siloed systems make that really challenging," said Tommy Nicholas, co-founder and CEO of Alloy. "By integrating with Nasdaq Verafin, we're giving our shared customers more clarity on customer risk across systems so financial institutions can proactively mitigate risk before funds are lost and remove unnecessary friction points for good customers.” "The integration between Alloy and Nasdaq Verafin will enable our fraud teams to better prioritize high-risk member activity and quickly resolve alerts in a centralized system with full context of each scenario," said Jill Gogel, VP of Fraud Services, Dupaco Community Credit Union. "This will strengthen our ability to prevent high-risk transactions from leaving the credit union and reduce unnecessary friction for our members. By strengthening fraud controls that maintain a seamless member experience, we're better positioned to support sustainable growth and performance." Together, Alloy and Nasdaq Verafin aim to give financial institutions the confidence to proactively keep a pulse on customer risk levels and emerging fraud threats, helping empower financial institutions to safely offer additional capabilities, such as real-time payments. For more information about the partnership, please visit: https://verafin.com/partnerships/. About Nasdaq Verafin Nasdaq Verafin provides Financial Crime Management Technology solutions for Fraud Detection and Management, AML/CFT Compliance and Management, High Risk Customer Management, Sanctions Screening and Management, and Information Sharing. More than 2,800 financial institutions, representing $13 trillion in collective assets, use Nasdaq Verafin to prevent fraud and strengthen AML/CFT efforts. Visit www.verafin.com to learn more. About AlloyAlloy is the AI-powered identity and fraud prevention platform that accelerates onboarding, stops fraud, and scales compliance across the customer lifecycle, so financial organizations can grow without limits. Featuring the industry's broadest open data network, a sophisticated orchestration engine, and context-rich agentic and predictive intelligence, Alloy is trusted by more than 900 of the world's leading financial institutions and fintechs for smarter risk management that drives growth. Learn more at alloy.com. Cautionary Note Regarding Forward-Looking Statements:Information set forth in this press release contains forward-looking statements that involve a number of risks and uncertainties. Nasdaq cautions readers that any forward-looking information is not a guarantee of future performance, and that actual results could differ materially from those contained in the forward-looking information. Forward-looking statements can be identified by words such as “will”, “can” and other words and terms of similar meaning. Such forward-looking statements include, but are not limited to, statements related to the benefits of the Nasdaq Verafin platform, the Alloy platform, or the integrations between the two platforms. Forward-looking statements involve a number of risks, uncertainties, or other factors beyond Nasdaq’s control. These risks and uncertainties are detailed in Nasdaq’s filings with the U.S. Securities and Exchange Commission, including its annual reports on Form 10-K and quarterly reports on Form 10-Q which are available on Nasdaq’s investor relations website at http://ir.nasdaq.com and the SEC’s website at www.sec.gov. Nasdaq undertakes no obligation to publicly update any forward-looking statement, whether as a result of new information, future events or otherwise. Nasdaq Verafin Media Relations ContactNick Eghtessad+1.929.996.8894 [email protected] Alloy Media Relations ContactChrissy Hennessey [email protected]
Alloy Marketplace unites 270+ partner solutions and a new library of pre-built decisioning logic in one dashboard. Discover, test, and deploy from one place.
Alloy's July 2026 release: an AI Assistant with visible reasoning, self-service login aggregation rules, faster Journeys, and new data integrations.
At a glance: Alloy's first half of 2026More than 900 financial institutions and fintechs now use Alloy, the AI-powered identity and fraud prevention platform, to accelerate onboarding, stop fraud, and scale compliance across the customer lifecycle.Alloy launched our AI Assistant, an agentic AI solution that automates risk and compliance work, and saw growing adoption of our risk-based authentication solution that assesses customer risk continuously and adjusts friction accordingly so good customers move faster.Alloy launched our perpetual KYB (pKYB) solution in the UK and Europe, extending dynamic and risk based monitoring to business customers, and Ryan Morrison joined as Head of EMEA.Alloy added engineering leaders Andrew Glenn (VP of Engineering, Decisioning) and Sam Swift (VP of Engineering, Intelligence) to support our AI roadmap.NEW YORK, July 15, 2026 — Alloy, the AI-powered identity and fraud prevention platform, today announced that more than 900 of the world's leading financial institutions and fintechs now turn to Alloy to accelerate onboarding, stop fraud, and scale compliance across the customer lifecycle. Fraud is increasingly powered by AI: in Alloy's 2026 State of Fraud Report, 91% of fraud leaders said they are seeing more crimes committed with the help of AI. In the first half of 2026, Alloy met that moment by bringing agentic AI solutions into production, pairing them with its machine learning models to act on risk continuously, from the first application through every login, transaction, and account change, rather than at onboarding alone."AI is only useful if it's grounded in real context, and that's the whole idea behind what we've built," said Tommy Nicholas, Co-founder and CEO of Alloy. "Fraud has always been about identity, and it happens across the entire customer lifecycle, not just at onboarding. We're putting AI to work at every one of those moments so our clients can stop the bad actors and still move fast for everyone else."That approach is producing results. Suncoast Credit Union, Florida's largest credit union, reduced fraud losses by over 35% from 2023 to 2024 using Alloy to power identity verification and fraud prevention across onboarding and ongoing member activity. Alloy also broadened its network of more than 270 data solutions, partnering with Certos by Early Warning Services and expanding its partnership with Plaid to give clients access to broader fraud intelligence and identity verification data.To support its AI roadmap, Alloy strengthened its engineering leadership. Andrew Glenn joined as VP of Engineering for Decisioning, bringing more than two decades of leadership across fintech and technology, including senior roles at Stripe, Capital One, Betterment, and Google. Sam Swift joined as VP of Engineering for Alloy’s Intelligence layer, leading the teams behind Alloy's agentic AI and machine learning products. Agentic AI in productionAlloy launched its AI Assistant, a native, context-aware agentic AI solution embedded directly in the platform's risk and identity infrastructure. It automates the investigation and compliance work that risk teams handle every day. On high-volume watchlist hits, it achieved 80% automation rates for one financial services firm, resolving the majority of cases with no human in the loop while routing sensitive cases to reviewers with 98% precision. The AI Assistant is part of Alloy's Actionable AI suite, which combines agentic automation and machine learning with Fraud Attack Radar and Fraud Signal, Alloy's predictive model for detecting fraud throughout the customer lifecycle. Risk-based authentication that turns security into a growth leverFrom market-leading fintechs, to credit unions, digital banking platforms and large enterprise banks, the industry’s most forward-thinking institutions are choosing Alloy for risk-based authentication. Alloy’s solution assesses every customer interaction continuously and in context, carrying signals captured at onboarding forward into every session and across channels. Trusted customers move through faster and with less friction, which lifts adoption, conversion, and retention, while suspicious activity is met with friction proportional to the risk. Suncoast Credit Union, for example, now auto-decisions 98% of logins with Alloy’s risk-based authentication solution, and saw new member digital logins rise 91% within the first day of account opening.Expanding across EuropeAlloy deepened its European footprint and product capabilities in the first half of 2026. In January, Alloy launched its perpetual KYB (pKYB) solution in the UK and Europe, moving business verification beyond static, point-in-time checks. The solution automatically re-runs KYB checks and reassesses risk when meaningful business or ownership changes occur, such as registry updates and watchlist hits. Alloy's AI Assistant corroborates those changes and runs enhanced due diligence, cutting hours of manual compliance work. It extends the same continuous, full-lifecycle approach Alloy brings to consumer monitoring into business risk monitoring.That momentum carried into new business and leadership. Embedded payments provider Modulr selected Alloy to orchestrate KYC and KYB across its international customer base as it enters new markets. Recently, Ryan Morrison joined Alloy as Head of EMEA, bringing nearly two decades of technology experience across GBG, TruNarrative, and LexisNexis to lead Alloy's full-lifecycle financial crime work across the region. In addition, James Nurse joined Alloy as a Strategic Advisor. Nurse has led financial crime and fraud prevention across various high-performing fintech companies in the EMEA region, most recently acting as Head of Consulting at Fintrail. About AlloyAlloy is the AI-powered identity and fraud prevention platform that accelerates onboarding, stops fraud, and scales compliance across the customer lifecycle, so financial organizations can grow without limits. Featuring the industry's broadest open data network, a sophisticated orchestration engine, and context-rich agentic and predictive intelligence, Alloy is trusted by more than 900 of the world's leading financial institutions and fintechs for smarter risk management that drives growth. Learn more at alloy.com.
Explore Alloy's June 2026 release featuring the new Backtesting Suite, Workforce Analytics dashboard, workflow copy/paste improvements, and more.
Alloy launches an AI fraud detection and prevention solution that identifies fraud attacks, proactively alerts clients, and stops fraudsters.
See Alloy's Q1 2026 product launches: perpetual KYB with periodic reviews and registry monitoring, plus AI Assistant upgrades for watchlist screening and KYB review.
Alloy co-founder and CEO Tommy Nicholas explains how financial institutions can operationalize AI for fraud prevention, compliance, and risk management without fragmented workflows.
7th largest credit union in the U.S. drives growth by keeping members safe
NEW YORK, May 13 -- As fraud increasingly targets the identity layer – through synthetic identities, credential compromise, and account linking abuse, Alloy, an AI-powered identity and fraud prevention platform, today announced a partnership with Certos℠, a unified portfolio of fraud and identity risk solutions from Early Warning Services, LLC. The partnership is designed to give community banks and credit unions access to the same Certos suite of products that help better identify criminal activity earlier – before it can be used to move money – reducing the ability for fraud schemes to scale. Increasingly, large-scale fraud operations – including organized scam networks operating cross borders from foreign locations – rely on synthetic and compromised identities to steal money from Americans. “Fraud rarely stays in one place and by the time money is sent, it’s too late,” said Ben Chance, General Manager of Certos. “Criminals exploit identity infrastructure gaps between institutions. By bringing our products to banks and credit unions of all sizes, we can help these financial institutions protect their customers and make it harder for these criminals to operate.” Through the partnership, financial institutions including community banks and credit unions, that work with Alloy will now have access to the Certos solutions' risk signals derived from activity patterns across a network of more than 5,000 U.S. banks and credit unions of all sizes, payment companies, merchants, and government agencies – providing these institutions with the signals needed to make informed decisions. “With fraud evolving rapidly, financial institutions need to be able to identify fraudsters before they can steal money from the organization,” said Brian Bender, General Manager of Partner Solutions at Alloy. “Adding Certos to our partner solutions network increases our clients’ ability to share threat intelligence, which makes the tactics criminals use less effective and harder to scale, helping better protect America’s consumers and small businesses from economic disruption.” Community banks and credit unions using Alloy can leverage Certos to: Confirm in real time that a bank account belongs to the right person, helping reduce account takeover and fraudulent payment redirections Detect mismatched identities when a fraudster tries to link accounts, before money ever starts moving Strengthen fraud detection using better data and risk signals to spot suspicious and criminal behavior earlier Certos is backed by the history of Early Warning for stopping criminal fraud activity. For more than 35 years, the company has worked with financial institutions, law enforcement, and federal agencies to disrupt billions of dollars in financial crime and stop millions of potentially fraudulent payments. Certos is the next evolution of that work. Last year, solutions in the Certos portfolio of products: Helped stop $3.7 billion in potential fraud Screened over $11.4 trillion in payments and deposit transactions for activity like counterfeit information and washed or altered checks Supported 124 million new bank and credit union account applications Certos provides threat intelligence signals that support fraud prevention but does not make bank account-related or financial access decisions. Financial institutions and other organizations retain full control over onboarding, authentication, and transaction processes. As a reseller of the Account Ownership Authentication (AOA) solution, Alloy will manage contracting, integration, and ongoing maintenance for its customers. About Certos CertosSM is a unified portfolio of fraud and identity solutions that helps financial institutions distinguish real customers from synthetic or stolen identities at account opening, reducing payments and identity fraud while expanding access to critical financial services. It is backed by Early Warning Services, LLC – the company behind Zelle® and the Paze ® digital wallet – which has worked with financial institutions the 35-years to drive prosperity, deliver bold innovation and improve how payments are made. For more information, visit www.certos.com. About Alloy Alloy is the AI-powered identity and fraud prevention platform that unifies agentic automation and machine learning across the entire customer lifecycle, enabling fast onboarding, ongoing fraud monitoring, and simplified compliance for financial institutions and fintechs. Backed by the industry's broadest open data network and orchestration engine, Alloy enables clients to grow their business with confidence. With offices in New York City and London, Alloy enables more than 800 leading financial organizations around the globe to manage risk at scale. Learn more at alloy.com.
Learn how Alloy’s Fraud Signal uses predictive machine learning to detect fraud in real time, reduce false positives, and minimize customer friction.
Learn how Alloy’s AI Assistant leverages agentic AI to streamline KYB workflows with contextual data, audit-ready decisions, and configurable automation for compliance teams.
From identity verification to AML screening and ongoing monitoring, learn how Alloy strengthens KYC for financial institutions and fintechs.
NEW YORK (April 2, 2026) – Alloy, a leading identity and fraud prevention platform provider, today announced a partnership with Plaid, a global data network powering the digital financial ecosystem, to provide more financial institutions with improved digital tools to fight back against AI-driven fraud. In the past two years, the amount of money stolen by scammers and fraudsters rose 9.2%, largely driven by use of artificial intelligence. As financial institutions combat this increasing threat, the partnership enables Alloy clients to more easily build a holistic picture of customer identities from the start, lowering fraud losses and automating more of their KYC/KYB/AML workflows to reduce manual reviews.“AI is rapidly reshaping the risk landscape for financial institutions, and the best way to keep up is to embrace AI to fight it,” said Adam Yoxtheimer, head of partnerships at Plaid. “Companies like Alloy make it easy for banks to adapt and embed AI-powered tools and signals to see outside the walls of their institution. Together, we’ll help more institutions test and deploy the solutions needed to better understand risk and defend against fraud.”According to Alloy’s 2026 State of Fraud Report, only 24% of financial institutions and fintechs detect fraud at the time of onboarding. That leaves most organizations detecting fraud only after bad actors are in the system and money has already been stolen. To reduce these losses, companies need to build a robust, data‑rich view of customer identities at onboarding and continue to monitor those identities on an ongoing basis. Rather than relying on a single data provider, Alloy’s data orchestration enables institutions to layer and test hundreds of identity, fraud, and compliance solutions in parallel and adapt strategies as threats evolve. Plaid Protect combines machine learning models with cross-institutional insights to help detect fraud throughout a user’s lifecycle. Through the partnership, mutual customers can securely access Plaid Protect’s network‑level fraud intelligence directly in their Alloy workflows. In addition, the Alloy platform will now also include access to Plaid’s tools for verifying identities and assets and streamlining onboarding to build safer, more resilient experiences at scale. Clients can add these Plaid products directly from the Alloy platform, experiment with how they interact with other data sources, and roll out the combinations that best fit their risk appetite and growth goals.Plaid expands its presence in Alloy's industry‑leading network of over 250 partner solutions, all easily discoverable, configurable, and testable in Alloy’s Partner Center. Clients can test different configurations and utilize Plaid alongside other best‑in‑class solutions without building or maintaining separate point‑to‑point integrations.“Alloy was built on the idea that there is no single silver bullet for fraud or compliance,” said Brian Bender, General Manager, Partner Solutions at Alloy. “Our clients need the freedom to layer, test, and evolve their data strategies as threats change. Deepening our partnership with Plaid is a natural extension of that vision.”About AlloyAlloy provides an identity and fraud prevention platform that enables global financial institutions and fintechs to manage identity risk so they can grow with confidence. Over 800 of the world’s largest financial institutions and fintechs turn to Alloy’s end-to-end platform to access actionable intelligence and the broadest network of data sources across the industry, as well as stay ahead of fraud, credit, and compliance risks. Founded in 2015, Alloy is powering the delivery of great financial products to more customers around the world.
AI Assistant is a native, context-aware AI agent that helps fraud and compliance teams resolve reviews faster and maintain a single source of truth.
NEW YORK, February 23, 2026--Alloy, the identity and fraud prevention platform provider behind over 800 fintechs and financial institutions, today announced the launch of the Alloy AI Assistant, a native, context-aware agentic AI solution to help organizations make faster, more confident decisions. The AI Assistant is embedded directly within Alloy’s risk and identity infrastructure and is able to understand and synthesize data to recommend a decision that a human can approve or configure to automatically accept.Fintechs and financial institutions today are increasingly balancing the need to move quickly to meet customer expectations with the need to manage complex fraud and compliance risks. For years, the solution has been for compliance and risk teams to conduct more manual reviews, resulting in poorer customer experiences and slower growth. The operational costs of managing these compliance workflows also cuts into financial organizations’ revenue. “Alloy's AI Assistant not only saves us a significant amount of time but also gives me the confidence to quickly review and close watchlist alerts based on the insights it provides,” said Edward Campiani, Chief Compliance Officer at EDGE, a fintech data and analytics platform founded in 2021.By leveraging the Alloy platform with the AI Assistant, organizations can automate operationally heavy, non-predictive review steps to save time for risk and compliance teams. In one case, a client reduced the average case review time from 20 minutes to mere seconds. Faster completion of open cases allows financial organizations to onboard more customers efficiently and ultimately increase revenue growth. The AI Assistant also provides a clear review trail to help financial organizations prepare for regulatory audits.“Alloy’s AI Assistant is unique because it’s built on reliable context,” said Tommy Nicholas, CEO at Alloy. “This sounds simple, but many other AI agents end up guessing because, without being embedded into a decisioning engine, they lack the necessary context to interpret, summarize, and contextualize information, let alone power decisive action.”Alloy’s AI Assistant is a part of the company’s Actionable AI suite which also includes Fraud Attack Radar, an AI-powered intelligence that flags fraud attacks at account origination, and Fraud Signal, Alloy’s predictive AI model that powers detection across the full customer lifecycle. The AI Assistant adds an additional layer of generative and agentic risk and compliance intelligence to the Actionable AI suite. This intelligence is informed by Alloy’s data ecosystem and feeds back into the orchestration engine to create a continuously improving decision system.About AlloyAlloy provides an identity and fraud prevention platform that enables global financial institutions and fintechs to manage identity risk so they can grow with confidence. Over 800 of the world’s largest financial institutions and fintechs turn to Alloy’s end-to-end platform to access actionable intelligence and the broadest network of data sources across the industry, as well as stay ahead of fraud, credit, and compliance risks. Founded in 2015, Alloy is powering the delivery of great financial products to more customers around the world.
See Alloy’s Q4 product updates, from predictive fraud signals and AI-driven decisioning to identity-centric risk assessments and new partner integrations.
LONDON, 21 January, 2026 – Alloy, an identity orchestration platform provider serving over 700 financial institutions and fintechs globally, has today announced the launch of its first perpetual Know Your Business (pKYB) and Customer Risk Assessment (CRA) orchestration solution in the UK and Europe. This launch follows the European launch of Alloy’s perpetual KYC (pKYC) solution in Autumn 2025.Alloy’s pKYB solution enables UK and European banks, fintechs, and payments companies to move beyond static, point-in-time KYB by automatically re-running checks and re-assessing risk when meaningful business and ownership changes occur (for instance, registry updates, watchlist hits, and event-driven risk signals). The solution is bolstered by Alloy’s AI Assistant, which helps further automate the perpetual KYB process by conducting open-ended web research to corroborate business and ownership changes and by running the Enhanced Due Diligence (EDD) review for businesses that change from low to high risk post-onboarding.This helps compliance and risk teams cut down on hours of manual work while improving straight-through-processing (STP) rates.“Through deep conversations with our UK and European clients, it became clear that static, point-in-time KYB was no longer sufficient,” says Grace Liu, Senior Product Director at Alloy. “We took what we learned, evaluated how the pKYB ecosystem was evolving, and built on our pKYC foundation to move quickly toward a proactive, event-driven future — one our clients are genuinely excited about and that Alloy is uniquely positioned to deliver.”For financial institutions operating in the UK and across Europe, expansion into new territories is often integral to their sustained business growth strategies. As that expansion happens, business risk becomes harder to manage: corporate entities evolve, beneficial owners change, and regulatory expectations continue to rise. Yet many business monitoring programmes still rely on heavily manual workflows in which analysts must sift through high volumes of updates, interpret changes, and apply bespoke policies across markets. Rising regulatory expectations are also amplifying the need for more UK and European fintechs and financial institutions to automate their business monitoring. Central banks and regulators throughout Europe are increasing the number of regulatory actions they take against neobanks and traditional banks in their jurisdictions for lack of anti-money laundering controls.“Periodic checks alone aren’t enough—they need to be complemented by continuous business monitoring,” Liu continues. “With pKYB, Alloy helps institutions detect, evaluate, and act on changes to business identity, ownership, and risk by automating risk reassessment and escalating only the most critical alerts to analysts. The result is consistent policies across markets and the ability to scale confidently, with a clear, up-to-date understanding of business risk between reviews.”Early UK test users report that Alloy’s pKYB and CRA solution enables them to achieve strong compliance standards far faster than if they were to build an in-house alternative. Rather than investing heavily in their own technology development to get to a baseline level of compliance integrity, Alloy’s solution allows teams the potential to move ahead of competitors without losing development time and/or sinking unnecessary development costs. Alloy’s approach to pKYB is built for multi-market scale and operational efficiency, enabling institutions to:Apply configurable policies by market, product, and entity risk level, supporting consistent decisioning while accommodating local regulatory requirements.Reduce manual workload with smart routing, using filtered, event-triggered Enhanced Due Diligence (EDD) alerts that send only the highest-risk changes to analysts, while lower-risk updates can flow through automated Customer Due Diligence (CDD) processes.Accelerate investigations with AI-assisted workflows, including summaries and recommended next steps to speed review-to-resolution.About AlloyAlloy provides an identity and fraud prevention platform that enables global financial institutions and fintechs to manage identity risk so they can grow with confidence. Over 700 of the world’s largest financial institutions and fintechs turn to Alloy’s end-to-end platform to access actionable intelligence and the broadest network of data sources across the industry, as well as stay ahead of fraud, credit, and compliance risks. Founded in 2015, Alloy is powering the delivery of great financial products to more customers around the world.
Alloy’s native AI agents bring agentic AI to risk decisioning with full context, auditability, and enterprise-grade reliability.
Sara Seguin shares insights from Alloy's 2026 State of Fraud Report, from rising threats to using fraud prevention as a competitive advantage.
