Alloy 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. More than 900 of the world's leading financial institutions and fintechs trust Alloy for smarter risk management that drives growth.
Through our values: Be Bold, Go Fast, Collaborate, and Celebrate Our Differences, we are creating a workplace where you can grow, thrive, and belong. See how we’ve been continuously recognized and named one of Inc. Magazine’s Best Workplaces, Forbes America’s Best Startup Employers, Best Fintech to Work for by American Banker, year after year.
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The Decisioning vertical of our engineering department builds the engine that powers how financial institutions evaluate, approve, and act on risk. We own the core rules, workflows, and data pipelines that financial organizations rely on to make real-time decisions at scale.
The Build - Oak team owns a central part of Decisioning: the core services institutions use to evaluate, approve, and act on risk in real time, at scale. We build tools that power the rules, workflows, and data pipelines behind those decisions: a flexible engine that teams extend across any kind of customer data, the lists clients use to flag, block, or approve accounts at scale, and the AI that explains why a case was flagged and what to do next.
Alloy operates in a hybrid-work environment. We look to foster collaboration and community by having our local employees onsite three days a week.
You'll own core pieces of the systems Alloy uses to catch fraud and risk at onboarding and throughout a customer's lifecycle, and help shape where our newest AI feature goes next, with real room to define the work yourself.
Must-haves:
Nice-to-haves:
We're a lean team, so your impact will be felt immediately, and opportunities will grow as the company scales up. If this all sounds like a good fit for you, why not join us?
Alloy is committed to fair and equitable compensation practices. Below is the anticipated starting base compensation range for this role; however, pay may vary depending on job-related knowledge, in-demand skills, relevant experience, and/or geography. In addition to a competitive base salary, this position is also eligible for equity awards in the form of stock options (ISOs) as well as a competitive total benefits package. Your recruiter will be happy to walk you through the details and what compensation could look like for you specifically!
This position has a base salary range of $166,000 - $209,000.
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Alloy is proud to be an equal-opportunity workplace and employer. We’re committed to equal opportunity regardless of race, color, ancestry, religion, gender, gender identity, parental or pregnancy status, national origin, sexual orientation, age, citizenship, marital status, disability, or veteran status. We are committed to an inclusive interview experience and provide reasonable accommodations to applicants with visible and invisible disabilities. We encourage applicants to share needed accommodations with their recruiter.
All Alloy jobs are listed on our careers page. Any communication during the recruitment process, including interview requests or job offers, will come directly from a recruiting team member with an alloy.com email address. We do not use outside applications or automated text messaging in our recruiting process. We will not ask for any sensitive financial or identification information during the recruiting process. If you’re ever unsure, please contact us directly via our website before sharing personal information.
Alloy provides identity verification and compliance solutions for financial institutions. It offers a platform that connects to multiple data sources to verify the identities of individuals and businesses, helping banks, credit unions, and fintechs meet KYC and AML rules, reduce fraud, and streamline customer onboarding. The product works by integrating data sources and using machine learning and artificial intelligence to assess risk and confirm identities, then delivering a scalable, subscription-based service (with potential transaction-based fees) that continuously updates to meet evolving regulatory requirements. Alloy differentiates itself by offering a unified platform focused on regulatory compliance and risk management, leveraging data integration and AI to improve accuracy and speed for onboarding across banks and fintechs. Its goal is to help financial institutions prevent fraud, stay compliant, and provide a smoother onboarding experience for customers.
Company Size
201-500
Company Stage
Late Stage VC
Total Funding
$216.7M
Headquarters
New York City, New York
Founded
2015
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Alloy release round-up: september 2026. Oct 1, 2026 By Charles Hearn, CTO at Alloy Featuring conversational AI for your analysts and your support experience, plus session-level risk scoring for risk-based authentication. This month, Alloy's Actionable AI got conversational. Analysts can now chat with AI Analysis instead of reading a one-shot summary, and every client gets 24/7 answers from AskAlloy, its new AI support agent. Alloy Inc. also put self-serve "data routing" in every client's hands, shipped Session Risk Scores for risk-based authentication, brought workflow undo/redo to all customers, and opened up a new Diagnostics API for latency. Here's the rundown. Chat with AI Analysis to answer all your data questions. Until now, AI Analysis gave analysts a comprehensive but static summary of a record. This month, Alloy Inc. turned AI Analysis into an interactive assistant with a new chat feature. Analysts can ask follow-up questions in natural language and get answers grounded in the same record data the summary was written from. The chat feature lets an analyst dig into the exact parts that matter to their review, ask clarifying or 'explain this' questions, and keep going until they have what they need. * Grounded, auditable, and truthful. Answers are grounded in the record's data and cite what they relied on. If the data doesn't cover the question, it says so (and specifies what's needed) rather than extrapolating to fill the gap. Compliance teams rejoice! * Available across every record type. Journey Applications, Evaluations, Investigations, and Alerts. * Easy to start. Each AI Analysis comes with two to three pre-generated questions you can select from to kick off the conversation. * Private, persistent history. Each analyst has their own conversation history that persists across sessions, so they can pick a review back up later. * Guardrails on every message. Catching unsafe inputs and outputs before they cause harm. The analyst still makes the final decision, but puts Alloy to work to make that decision more informed. The interactive chat feature is now live for all AI Analysis customers. Significantly upgraded data routing: route any data to any service, self-serve. Configuring how dynamic data flows from the output of one service into the input of another (what Alloy Inc. has always called "data routing") just got a whole lot easier. With its new self-serve and flexible data routing, you can route any attribute to any service's payload field in a few clicks, right in the workflow editor. Click any service in your workflow and add a data route: pick the from (the output attribute you want to route in) and the to (the input payload field you want to route to). Need a field that isn't in the schema yet? You can type it in yourself, so updating your policy never stalls while you wait for Alloy Inc. to update something for you. Already have data routes configured? No worries! Alloy Inc. has backfilled existing clients onto the new version seamlessly under the hood, with a warning system in place to confirm the new routing matches your legacy setup before cutover. AskAlloy: 24/7 AI-powered support. Your support experience just got a big boost. AskAlloy is a new AI agent that gives clients instant, 24/7 answers. Its amazing technical support team is still a click away; Alloy Inc. is just adding a new instant first response to complement them. * Available wherever you already work. Chat with AskAlloy from the Support widget in the dashboard, over email at [email protected], and in your Alloy Slack channels. It resolves common questions instantly from its knowledge base and API docs, and hands off to its human Technical Support team whenever that's the right move. * A brand-new help center. help.alloy.com has been rebuilt, with a client support portal where you can see the tickets you've submitted. * Freshly rewritten documentation. Alloy Inc. took the opportunity to overhaul its client-facing docs (roughly 60 new articles!) so the answers you get are accurate and up to date. This is the first step in a longer journey: Alloy Inc.'ll keep making AskAlloy smarter and more context-aware in the months ahead, so it answers more of your questions faster and frees its team to go deeper on the things that need a human. Session Risk Scores for risk-based authentication. Following July's login aggregations, Alloy Inc. is continuing to build on top of its market-leading risk-based authentication (RBA) solution. Clients can now ingest, store, and decision on session-level risk scores from the fraud vendors they already use, directly inside Alloy, all self-serve. Pass a risk score from any vendor into Alloy alongside an event, and Alloy stores it as a session-scoped published attribute you can use in workflow rules. Unlike entity-level attributes, a session risk score is scoped to a single session (like a login flow or a series of related transactions) and stays available on every subsequent event in that session, so you can update it as new signals arrive. * Decision on it in your rules: e.g. "if session risk score > 80, step up to MFA" or "if session risk score is high, deny the transaction." * Configure ranges (low/medium/high) with custom labels and colors, just like entity-level risk attributes. * See it in review: a dedicated Session Risk tab on evaluation review screens, across entity events, logins, transactions, and investigations. * Tie scores to a session by passing an external_session_id (yours) or the Alloy-generated session_token returned in the POST /events response. To set one up: Settings | Published Attributes | Add Published Attribute, set Object Type to Session and Category to Session Risk Scoring, then reference it in a workflow node. Also shipped in september 2026. Decisioning & visibility. * Error Attributes. A long-requested set of global attributes representing the most common reasons a service fails (like authentication error, service timeout, rate limit exceeded, and more) that you can add to workflows and use for decisioning. The dashboard now also shows *why* a service failed when you look at an evaluation. And you can define your own service-specific error attributes for fields a vendor returns in its raw response. Now available to all clients. Workflow editor. * Undo/redo. You can now step back and forth through your sequential edits to an open workflow, with the affected change focused and highlighted so you can see exactly what moved. Use the header arrows or cmd+z / cmd+shift+z. * Min/max operators for Output Attributes. You can now add min or max functions directly in your Output Attribute expressions. Any time you need to cap a value, set a floor, calculate weighted tags, or compare risk scores across data sources, min and max operators are available to help. * Clearer workflow types. Creating a workflow now starts with a canonical use case, designed to make your setup faster and less ambiguous. Workflows can be described by what they are evaluating, which entity scope and runtime they support, and which evaluation types and events are eligible. The new taxonomy includes use cases like Account Opening, Credit Underwriting, Transaction Monitoring, Ongoing Event Monitoring, Third Party Monitoring, and more. Developer & platform. * Diagnostics API (Journey Application Timings). A new public endpoint returns a full latency breakdown for a Journey Application, such as top-level duration, the ordered event timeline across its lifecycle, and per-evaluation, per-service timing down to individual outbound API call durations. Built for SLA reporting, latency troubleshooting, and validating the impact of config changes; uses the same Basic auth as its other public endpoints. * Entity PII Updates History (new dashboard experience only). The Entity panel now shows a full PII update history, such as name, SSN, license/passport, birthdate, addresses, phones, emails, and more, for both Person and Business entities. Each update comes with a reference token tracing back to its source, a full timestamp, and clean grouping by type. See more product updates. Charles Hearn is Alloy's CTO. Previously, Charles was a Project Manager at Microsoft and the lead developer at a high-risk payment processing company.
IPQS expands integration ecosystem for fraud prevention and digital risk intelligence. Expanded ecosystem connects IPQS fraud intelligence with Shopify, Salesforce, HubSpot, Splunk, CrowdStrike, Stripe, PayPal and other leading enterprise platforms. LAS VEGAS, Sept. 28, 2026 (GLOBE NEWSWIRE) - IPQualityScore (IPQS), a provider of fraud prevention and digital risk intelligence, today announced the expansion of its integration ecosystem, giving organizations more ways to apply risk signals within the systems they use to manage customer acquisition, account access, transactions and security events. The most recent addition is IPQS's integration with Alloy, an identity and fraud prevention platform for financial institutions and fintechs. The integration makes IPQS IP address, email, phone and device risk signals available within Alloy's decisioning platform, allowing financial institutions to incorporate digital fraud intelligence into onboarding and ongoing monitoring workflows. IPQS's broader ecosystem connects its fraud and risk intelligence with established platforms across ecommerce, cybersecurity, payments, CRM and marketing automation. Available deployment options include direct integrations, plugins, marketplace applications, partner connections, APIs and workflow automation tools. "Fraud decisions increasingly span multiple systems, teams and stages of the customer lifecycle," said Dennis Weiss, CEO of IPQS. "Our integration strategy is designed to make consistent risk intelligence available at the point of decision while allowing each organization to maintain control over its policies, thresholds and customer experience." Commerce integrations involving Shopify, WordPress, WooCommerce, Magento, BigCommerce and Square enable businesses to evaluate traffic, registrations, orders and payments for signals associated with bots, automated abuse, account fraud and suspicious transactions. For security operations, IPQS connects with platforms including Splunk, CrowdStrike, IBM QRadar, Google Security Operations, Palo Alto Networks Cortex XSOAR, Fortinet FortiSOAR and Rapid7 to support threat intelligence enrichment, investigation and automated response. The IPQualityScore app for Zapier extends IPQS capabilities to widely used platforms such as Salesforce, HubSpot, Mailchimp, Stripe, PayPal, Twilio, and Marketo. These Zapier-powered connections allow organizations to incorporate device intelligence, IP address reputation, email verification, phone validation, and transaction risk intelligence into CRM, marketing, payment, and communications workflows. Additional integrations support financial services, lending, customer acquisition and performance marketing. Connections involving Oscilar, ActiveProspect, AppsFlyer, Everflow and CAKE allow IPQS signals to inform use cases such as onboarding, lead validation, mobile attribution and affiliate fraud detection. Across these environments, IPQS evaluates signals associated with proxy, VPN and Tor usage, automated activity, compromised identities, high-risk contact information, device manipulation and suspicious behavioral patterns. Organizations can use the resulting intelligence to inform approval, step-up verification, transaction review, manual investigation and other risk-based actions. Customers can use available integrations and automation tools or connect directly to IPQS APIs for proprietary applications and internal decisioning systems. About IPQS IPQualityScore (IPQS) provides fraud prevention and digital risk intelligence to more than 3,500 businesses worldwide. Founded in 2011, IPQS analyzes IP addresses, devices, email addresses, phone numbers and behavioral signals to help organizations identify bots, fake accounts, account takeover, payment fraud and online abuse. IPQS supports real-time risk decisions across account creation, authentication, transactions and other digital interactions.
Nasdaq Verafin partners with AI-powered identity and fraud prevention platform Alloy. Nasdaq Verafin today announced a partnership with Alloy, an 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. 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.
Nasdaq Verafin and Alloy partner to help financial institutions mitigate fraud risk across the customer lifecycle. Two-way integrations between the platforms will enable greater visibility into emerging risks and faster response to fraud threats. September 03, 2026 08:00 ET | Source: Nasdaq, Inc. NEW YORK, Sept. 03, 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 Alloy Alloy 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 Contact Nick Eghtessad +1.929.996.8894 [email protected] Alloy Media Relations Contact Chrissy Hennessey [email protected]
Alloy, an AI-powered identity and fraud prevention platform, reports serving over 900 financial institutions and fintechs in the first half of 2026. The company launched its AI Assistant, an agentic AI solution that achieved 80% automation rates for one financial services firm whilst maintaining 98% precision in routing sensitive cases to human reviewers. Suncoast Credit Union, Florida's largest credit union, reduced fraud losses by over 35% between 2023 and 2024 using Alloy's platform. The credit union now auto-decisions 98% of logins and saw new member digital logins rise 91% within the first day of account opening. Alloy expanded its European presence by launching perpetual KYB verification in the UK and Europe. The company appointed Ryan Morrison as Head of EMEA and strengthened its engineering leadership with Andrew Glenn and Sam Swift joining to support its AI roadmap.