For credit unions, Alloy detects new account fraud, synthetic identities, account takeover, payment fraud, ACH fraud, card fraud, deposit fraud, scams, and phishing. We weigh identity signals against hundreds of data sources to detect threats at every stage of the member lifecycle. Continuous risk scoring flags activity as it develops while keeping friction low for trusted members.

Alloy's Actionable AI suite combines agentic automation and predictive machine learning to give financial organizations the power to act on risk at every stage of the customer lifecycle. Machine learning scores risk to catch fraud before it causes damage, while the AI Assistant's agentic AI takes on the manual work behind each case, from triaging alerts to running KYB and watchlist research, so teams can move from review to resolution faster. Our AI is native to the platform, meaning it runs on the same data network and within the same decisioning engine clients already use. As a result, it has full context and learns from every signal and decision that flows through, getting sharper over time.

Fraud Signal is designed to detect fraud as evolving behavior that develops over time, not just isolated point-in-time events. It pulls together identity signals, behavioral analytics, and transaction data into one member-level score that updates with every login, payment, and profile change. The model learns from aggregated patterns across Alloy's network of financial institutions and fintechs, so it recognizes emerging tactics that a fixed set of rules would miss. That gives your credit union the confidence to automate more decisions instead of routing everything to manual review.

Yes, and the goal is to take the repetitive load off your compliance team. Alloy runs KYC and KYB checks along with sanctions and watchlist screening to satisfy BSA/AML requirements. ACH and real-time payments monitoring surfaces activity that could signal money laundering, and the AI Assistant routes anything questionable into case management for review. When a situation calls for a SAR, the investigation and filing live in the same workflow. Running all of this in the platform you already use for fraud means fewer separate systems for your team to maintain.

Alloy connects through a single API and sits alongside your existing core rather than forcing a rip-and-replace. The open setup lets you tune the rules and risk scoring to your own policies, leverage your preferred data sources, and add capabilities as your needs change. Most credit unions start with a standard configuration and adjust over time. Whether you're a community shop or operate across several regions, you can manage risk centrally while still setting different parameters by product or channel.