Reggie Young interviews Tommy Nicholas, CEO of Alloy, discussing the challenges of fraud in fintech and the future of banking. They explore the increase in risk tolerance among fintechs, simplify audits and understand fraud in the card space, manage card issuing complexity in the fraud space, build trust with banks and mature fintechs, and discuss overlooked topics in fintech such as market reorientation and the community banking crisis.

Tommy Nicholas, CEO of Alloy, discusses Alloy's unified operating system for risk, fraud, and credit evaluation in retail financial services. They talk about overcoming early challenges, the future of Alloy and fintech, and end with a lightning round of quick questions for the guest.

Tommy Nicholas, CEO of Alloy, discusses the broken fraud model in the crypto and fintech industry and the need to shift focus to the person. He emphasizes transparency and accountability and explores the role of automation and AI in supporting compliance teams. Topics include money laundering controls, processing suspicious activity reports, and threat actors in online onboarding. The podcast also covers Alloy's role in managing risks for companies, the impact of customer onboarding on the threat landscape, and combating fraud in the crypto industry.