Alloy

Identity risk management for financial services.

alloy.com

HQ: New York, NY, USA

FinTech

Company research

Public company, workplace, funding, and market signals

Updated Jul 28, 2026

Overview

Alloy is a privately held fintech providing an AI-powered, API-based identity, fraud, risk, and compliance decisioning platform for banks, credit unions, and fintech companies. It combines an open ecosystem of data providers, orchestration/workflow tools, and Actionable AI across onboarding and the customer lifecycle. Alloy reports more than 900 financial-institution and fintech customers as of July 2026.

Primary product

Alloy identity and fraud prevention platform: identity/KYC/KYB verification, AML and transaction monitoring, credit decisioning, risk-based authentication, fraud detection, case management, and AI-powered risk/compliance automation.

Founded

2015

Headquarters

New York City, New York, United States

Team size

Approximately 200–300; Alloy said it had over 300 employees in January 2026, while a 2026 company profile estimate lists approximately 290.

Work style

Hybrid

Industry

Financial services technology / fintech

Sub-industry

Identity decisioning, fraud prevention, RegTech, KYC/KYB/AML, and financial-crime risk management

Offices

New York City, New York, United States

London, United Kingdom

Business model

B2B enterprise SaaS

API/platform usage and data-orchestration services

Subscription and/or contract-based software licensing

Financial-institution risk and compliance infrastructure

Funding

Stage

Late-stage venture / Series C; privately held

Total raised

$216.7M

Latest round

Additional Series C funding · Sep 2022

Latest amount

$52M

Additional funding

Sep 2022 · Lightspeed Venture Partners and Avenir Growth

$52M

Series C

Sep 2021 · Lightspeed Venture Partners

$100M

Series B

Sep 2020 · Canapi Ventures

$40M

Seed

Oct 2017 · Eniac Ventures

$3.8M

People & investors

Leadership

Tommy Nicholas

Co-founder and Chief Executive Officer

Laura Spiekerman

Co-founder and Chief Revenue Officer

Charles Hearn

Co-founder and Chief Technology Officer

Parilee Edison Wang

Chief Operating Officer and Chief Product Officer

Kathryn Cook

Chief Marketing Officer

Investors

Alpha Edison

Avenir Growth

Avenir Growth Capital

Avid Ventures

BAM Ventures

Bessemer Venture Partners

Lightspeed Venture Partners

Primary Venture Partners

Techstars

Work & culture

Public careers material emphasizes inclusive hiring, equal opportunity, reasonable accommodations, ownership, cross-functional collaboration, and meaningful work in fraud prevention. Public recruiting sources describe a hybrid NYC model with regular office days and flexible remote work; London/EMEA roles similarly describe hybrid arrangements.

Work style

Hybrid

Compensation

Public compensation signals include salary benchmarking, performance bonuses, equity/new-hire grants with possible refresh grants, relocation assistance, and a home-office stipend. Public H-1B/LCA aggregators show sponsored roles and reported 2026 salaries ranging roughly from $95,000 to $235,000, but these are not Alloy's complete compensation bands.

Benefits

Unlimited PTO / flexible time off

Medical, dental, and vision coverage with HSA/FSA options

401(k) with company match

Company equity or new-hire equity grant

16 weeks of paid parental leave

Mental-health support, therapy, and coaching

One Medical and ClassPass/wellness benefits

Home-office stipend

Learning and development stipend

Adoption and fertility/family-support benefits

Product & market

Pricing

Not publicly disclosed; appears to be enterprise contract pricing, likely varying by modules, volume, data-provider usage, and implementation scope.

Differentiators

—Single orchestration layer for hundreds of identity, fraud, credit, and compliance data sources
—Full customer-lifecycle coverage rather than point-in-time onboarding only
—Configurable decisioning engine and API-first infrastructure
—Actionable AI suite combining predictive, fraud-intelligence, and agentic workflows
—Risk-based authentication and continuous monitoring
—Enterprise focus spanning startups, fintechs, credit unions, regional banks, and large banks
—Implementation and risk-domain expertise alongside software

Technology

REST/API integrations

Node.js

Snowflake

Kubernetes

dbt

PostgreSQL

Google Cloud data and analytics tooling

Machine learning and predictive AI

Agentic AI / large-language-model workflows

Customers

Ally Bank

Monzo

U.S. Bank

Navy Federal Credit Union

Ramp

Shopify

Stash

Suncoast Credit Union

LendingClub

Marqeta

Gemini

Modulr

Novo

Live Oak Bank

Earnest

Competitors

Jumio

Socure

Persona

Trulioo

ComplyAdvantage

SentiLink

Riskified

Feedzai

Middesk

Sardine

Scale & contact

Estimated revenue

Approximately $60M–$70M annually; third-party estimates, not company-reported financial statements.

Estimated monthly visits

99.6K

Traffic estimate as of Jun 2026

hello@alloy.com +1 (844) 382-5569

Latest news

Alloy Reports Strong First Half of 2026 With Agentic AI Momentum and Over 900 Fintech and Financial Institution Customers

Alloy · Jul 2026

Alloy reported more than 900 customers, production adoption of its AI Assistant and risk-based authentication, expansion of its data-partner network, and European rollout of perpetual KYB.

Alloy Partners with Plaid to Expand Access to Risk Solutions as AI Threats Increase

Alloy / PR Newswire · Apr 2026

The partnership added Plaid identity, asset, and network-level fraud-intelligence products to Alloy's partner ecosystem and workflows.

Alloy launches native AI Assistant to automate risk and compliance workflows

Alloy / PR Newswire · Feb 2026

Alloy launched a context-aware agentic AI Assistant embedded in its risk infrastructure to summarize cases, recommend decisions, and automate operational compliance work.

Alloy launches its first perpetual KYB and Customer Risk Assessment orchestration solution in the UK and Europe

Alloy / PR Newswire UK · Jan 2026

Alloy announced event-driven perpetual KYB and customer-risk assessment capabilities for UK and European banks, fintechs, and payments companies.

Alloy launches AI-powered Fraud Attack Radar providing real-time actionable intelligence to fight fraud

Alloy · Mar 2025

Launched Fraud Attack Radar, an ML-powered fraud intelligence product for account creation risk detection and response.

Jobs and careers at Alloy

26 jobs at Alloy

Senior Revenue Operations Analyst

On-site

Operations

New York City; New York, New York, United States

2w ago

On-site

Full-time