Alloy in action: risk-based authentication

The stakes

Authentication is one of the highest-frequency customer touchpoints a financial institution has. It's also one of the most fragmented with controls split across CIAM configurations, fraud systems, call center stacks, and application code that don't share a signal or a risk picture.

The result: good customers getting stepped up unnecessarily, recovery flows that route to the call center instead of resolving digitally, and gaps between siloed systems that sophisticated fraud is designed to exploit.

The solution

Join us on Wednesday, July 22nd for an inside look at risk-based authentication with the Alloy platform. What you'll see:

• How Alloy's centralized risk engine evaluates the forgot-password and account recovery flow and gives legitimate customers a self-remediation path before the call center becomes the only option
• How onboarding signals travel downstream into a persistent customer risk profile that informs every authentication decision that follows
• How a unified orchestration layer connects controls across digital banking, call center, and branch so a suspicious event in one channel immediately informs decisions in every other
• Session-aware decisioning, graduated responses, and what it looks like when authentication requirements adapt in real time as risk evolves