Alloy is the global end-to-end identity risk solution that helps banks and fintechs automate and manage their decisions for onboarding, ongoing fraud & AML monitoring, and credit underwriting.
Alloy solves the identity risk problem for the world’s leading banks, fintechs, and other companies offering financial products. With configurable solutions for understanding a customer’s identity, fraud, compliance, and credit risk throughout the entire customer lifecycle, Alloy helps companies deliver great financial products to more customers around the world.
Fraud attempts and attacks are inevitable. It’s not about if it will happen, it’s about whether or not you are prepared. Alloy allows you to respond to any situation instantly and without engineering resources, future-proofing your risk tech stack.
The global regulatory environment is becoming increasingly complex. A set-it-and-forget-it approach to compliance no longer works. Alloy arms you with the expertise and tools to understand your regulatory requirements and stay compliant.
Give your customers the fast and simple online account opening experience they deserve, while increasing conversions, reducing manual reviews, and preventing fraud. Alloy enables instant digital identity verification and document verification, all while meeting cross-border KYC, KYB, and AML requirements.
Combine information captured during onboarding with ongoing transaction and account activity to create an evolving customer risk profile enabling you to prevent fraud and remain compliant throughout the customer lifecycle.
Transform your credit policies into easy-to-use workflows that integrate with credit bureau and alternative underwriting data for a clearer picture of your customers.
Sponsor banks are facing increasing pressure from regulators. Fintechs want to optimize beyond their sponsor banks’ KYC/AML and fraud processes so they can improve customer conversions. Alloy enables all ends of the embedded finance ecosystem to manage their shared risk together.
Live Oak enlisted Alloy to bring onboarding, transaction monitoring, and credit underwriting into one centralized platform. Using Alloy, the team reduced investigation time by 30%*, giving them time back to focus on their customers and building new products.
Joe Thompson, Head of Live Oak Express
How Novo reduced manual reviews and doubled their customer conversion.
Brex automated over 80% of new account openings, growing from a private beta of 100 startups to serving thousands of customers in less than 6 months.
HMBradley is able to automate more than 80% of their customer approvals while minimizing risks and providing a seamless experience for customers.
Alloy offers the largest network of third-party data in the industry, with over 200 data sources (and counting) covering 195 markets around the world.
And hundreds more! Check out our Partner Center to see our complete list of data partners.
Most fraud prevention models no longer keep up with current threats because they focus on transactions instead of identity.
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