Global financial institutions and fintechs turn to Alloy to take control of fraud, so they can grow and scale with the clearest picture of their customers. Alloy’s enterprise identity and fraud prevention platform, expert guidance, and extensive ecosystem of solutions partners help you deliver great financial products and a great customer experience.
You don’t only want to stop fraud. You want to actively prevent it, without adding friction for your low-risk customers.
Alloy offers the broadest coverage of third-party identity and fraud solutions in the industry, with over 200 data solutions that span 195 markets. A one-time integration with our low-code SDK lets you easily implement new risk controls and step-up verifications with your preferred vendors — no engineering resources required. Our comprehensive Testing Suite enables you to visualize projected outcomes and optimize and iterate risk strategies before going live.
With Alloy, you get more visibility into fraud and more flexibility to adapt to new threats, while you continue to prioritize a good customer experience.
Alloy's approach to AI extends beyond alerts for suspicious activity — it provides actionable insights. This approach helps clients to quickly triage, adjust policies, conduct investigations, and make more informed decisions. By continuously feeding insights gathered throughout the customer lifecycle into our machine learning models, you can compute the risk profile of clients at both a portfolio level (with Fraud Attack Radar) and an individual level (with our Entity Fraud Model).
Alloy’s automated identity orchestration layer helps determine each customer’s risk level during onboarding, so you can keep the top of your funnel open without exposing yourself to more fraud threats. Not only will you decrease instances of the most common fraud types — like first-party fraud, second-party fraud, and third-party fraud — you’ll also decrease unnecessary manual reviews that can create unnecessary steps and hurdles for new customers.
Alloy surfaces and aggregates insights across onboarding, ongoing account activity, and transactional data to compile an evolving view of your customers’ risks. As a result, you can identify and address high-risk activities as they occur. First, flag any unusual activity — including threats such as new account fraud, account takeover fraud, and synthetic identity fraud — at a much faster rate. Then, use Alloy’s automated interdiction capabilities, which allow you to hold or reject payments, freeze accounts, or block logins in real-time, to contain threats.
How do you balance fraud risk management so that your products and services are easy for legitimate customers to use, but your fraud checks aren’t too lenient? The key is using multiple, complementary data sources. Then, you can add step-up verifications to your workflow on an as-needed basis and utilize more progressive onboarding processes.
With hundreds of clients and millions of identity decisions approved daily, Alloy has the necessary expertise to help you outpace fraud and grow with confidence.
Our comprehensive guides and documentation are designed so that you can integrate with Alloy’s best-in-class protection quickly and seamlessly. We’ll show you how to structure your workflow, so you start off fighting fraud from Day One and never stop.
See how Alloy's team helped one client beat a fraud attack
When Mountain America Credit Union realized their fraud management system automatically approved too many individuals — including fraudulent applicants — Alloy helped create a self-service application process designed to identify suspicious activity and reduce instances of fraud at origination.
Ryan Barnes - AVP, Fraud Analytics at Mountain America
Alloy is an end-to-end platform that unifies identity verification, risk-based authentication, and fraud detection software. Our identity and fraud prevention platform integrates over 250 third-party data solutions into a single decisioning engine, providing automated, configurable controls that prevent fraud and enable organizations to deliver a great customer experience.
Alloy supports financial organizations of all sizes — from global banks modernizing enterprise-wide fraud strategies to local credit unions and fast-scaling fintechs. Of the top 50 US banks, 25% choose Alloy for fraud prevention today. Our platform’s flexibility makes it valuable whether you’re streamlining a complex enterprise tech stack or equipping a lean fraud team with strong, out-of-the-box controls.
Alloy reduces fraud losses in banking by flagging high-risk applications and account activity in real time and giving teams the tools to act before it results in financial damage. Configurable policies and AI-driven models adapt to shifting fraud patterns, enabling financial organizations to stop more bad actors while minimizing false declines. The result is fewer losses, lower fraud costs and operational expenses, and more legitimate customers approved — turning fraud prevention from a cost center into a driver of growth.
Alloy provides pre-built integrations to third-party data solutions, low-code native SDK and webhooks to plug into existing workflows with minimal engineering. Our platform is accessed primarily through a fully RESTful API, supporting seamless integration with platforms and systems, including Account Opening Systems, Loan Origination Systems, CRMs, and ESB Layers. The Alloy Testing Suite lets you build and validate end-to-end policies before promoting to production, while feature flags and versioned policies make it safe to roll out gradually across channels.
For many financial organizations, adopting Alloy means integrating alongside existing Customer Identity and Access Management (CIAM) systems. Their CIAM handles credentials, SSO, sessions, and entitlements; Alloy adds the identity-risk layer that verifies at account opening and at high-risk events, enriches login data with third-party signals, and triggers step-up or force session expiration when risk is elevated. Together, CIAM systems and Alloy provide a layered approach to risk-based authentication and verification — enabling safe growth by protecting your bottom line without slowing down the customer. You don’t need a CIAM to make full use of Alloy’s fraud prevention solution.
