Transaction Monitoring Software for Banks & Fintechs | Alloy

TRANSACTION MONITORING

See the customer behind every transaction

Alloy connects the dots between transactions, onboarding data, behavioral patterns, and account activity to help you surface suspicious transactions in real time.

"Alloy helps us feel more confident about who's making the request, so we can move ahead on higher-risk features without inviting more fraud."

Diana Nixon Vice President of Digital Strategy at Suncoast Credit Union

Actionable AI: intelligence across Alloy's network

Alloy’s machine learning model, Fraud Signal, takes an identity-centric approach to risk monitoring, assigning each customer a fraud risk score that evolves over time. Fraud Signal is continuously trained on aggregated patterns of fraud behavior to keep you in lockstep with emerging threats.

Stay ahead of AML and terrorist financing

Deploy AML rules on day one, customize as you grow

Out-of-the-box transaction monitoring rules cover the most common anti-money laundering (AML) typologies from day one — like structuring, funneling, rapid money movement, and high-risk counterparties. Custom rules can be layered on and modified through a no-code interface, enabling configuration without engineering support.

Fewer false positives, more time on what matters

Alloy evaluates every transaction against the customer's full identity and activity profile, including know your customer (KYC) data, onboarding history, and customer due diligence checks. Richer context means alerts are more precise, more actionable, and less likely to pull analyst attention toward activity that doesn't warrant it.

Sanctions coverage that goes beyond the account holder

Get access to the most up-to-date watchlists, stay on top of your regulatory obligations, and ensure you’re doing business with compliant customers. Alloy allows you to set up recurring automated checks against 1000+ sanctions, PEP, and adverse media sources, then alerts you in real-time if there are any matches.

Catch fraud after onboarding

Transaction fraud

Without Alloy, an account that cleared onboarding cleanly starts moving unusual volumes of funds across counterparties. Without monitoring rules tuned to that pattern, the activity looks like normal behavior until the losses pile up.

With Alloy, monitoring rules flag high-velocity deposits, rapid outflows, and unusual counterparty volume in real time. When the risk warrants it, automated interdiction can hold transactions before funds leave your institution.

Stop high-risk account changes

Without Alloy, a fraudster gains access to a legitimate customer's account, then makes subtle changes — a new phone number, a new device, a change of address — through a low-friction channel.

With Alloy, account activity monitoring flags high-risk events such as changes to contact details, new authorized signers, and anomalous device or login behavior. Configurable workflows automatically trigger step-up verification, so customers with legitimate account changes can flow through easily.

Catch red flags in existing customer relationships

Without Alloy, a customer gradually exhibits suspicious patterns over time — increasing credit utilization, unusual transactions, a sudden change in behavior — that don't trigger alerts because they are evaluated individually, not collectively.

With Alloy, continuous risk scoring tracks behavioral shifts over time, flagging anomalies that only become visible in aggregate. When transaction patterns deviate from a customer's established baseline, Alloy surfaces it for further investigation before losses occur.

Individual account opening

Monitor across every payment type

Go from alert to resolution in one place

Accelerate investigations with agentic AI

Without Alloy, gathering the data needed to make a confident decision creates time-intensive manual work before the actual investigation even starts.

With Alloy, Alloy's AI Assistant surfaces relevant findings automatically, summarizes account activity, and flags connections to prior cases so analysts can quickly move from alert to resolution.

File with FinCEN without leaving your dashboard

Without Alloy, aggregating data for suspicious activity reports (SARs) and currency transaction reports (CTRs) means pulling from multiple systems and reformatting it to meet FinCEN's requirements. The result is hours of administrative work that takes analysts away from actual investigations.

With Alloy, SARs and CTRs are directly eFiled with FinCEN from Alloy's case management system. Subject and transaction details pre-populate automatically, so analysts spend their time on critical casework — not paperwork.

Get a complete audit trail for every case

Without Alloy, when investigations are spread across systems, audit trails are incomplete, and it's hard to demonstrate due diligence to regulators.

With Alloy, a single case management dashboard brings entity history, transaction context, timeline view, and alert details into one place. Alloy automatically routes cases to the right team, so investigations move quickly and nothing falls through.

Access all your performance data in a single console

Without Alloy, compliance leaders lack a clear view of how their monitoring program is performing: what the backlog looks like, where alerts are piling up, and whether their rules are tuned correctly.

With Alloy, analytics dashboards surface queue volume, disposition rates, SAR filings per agent, and review session length in real-time. Compliance leaders can manage team capacity and refine monitoring policies based on what the data actually shows.

FAQs