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trulioo

Trulioo's playbook for tomorrow's market

Trulioo

Results at a glance

TARGETING70%
revenue growth in the banking and gaming segments, with Liminal intelligence grounding where and how the team moves
USED ACROSS3
teams: product, strategy, and go-to-market, working from the same intelligence
partnershipMulti-year
enterprise partnership spanning the platform, Index research, and expert engagement
Trulioo is the global risk intelligence platform trusted by leading enterprises to verify identities, prevent fraud, and manage business risk in real time across 195 countries. Its platform helps organizations onboard customers, prevent fraud, and meet compliance obligations at a point-in-time and continuously across the entire customer lifecycle.

Leading a fast-moving risk and fraud market means the hardest questions are not about today, but rather what to build, where to invest, and how to position for where the market is headed. That is where Liminal comes in as the intelligence layer behind Trulioo's strategy, product, and go-to-market decisions.
Zac Cohen Trulioo
"I use Liminal because the people behind this platform and research have operated business units themselves. They understand the pressure enterprise customers face, and the discernment it takes to know what will succeed and what won't."
Zac Cohen
Chief Product Officer, Trulioo
IndustryRisk intelligenceIdentity verificationFraud prevention
Scale195 countriesLarge global enterprisesReal-time onboarding and continuous monitoring
liminal customer since2017
01

The Challenge

Trulioo's position rests on two differentiators that must be actively defended: true global reach and a durable, scalable platform built for large enterprises. In a market where competitors expand by region and product category, and where AI is reshaping both fraud and the tools to fight it, standing still means falling behind.

For the team, that creates a decision problem as much as a detection problem:
  • The fraud landscape, the regulatory environment, and the competitive field all move faster than any team can track manually
  • Strategic bets, entering a new vertical, investing in a new product category, and expanding a region carry real cost if grounded in instinct instead of data
  • Every high-level decision deserves a strong, constructive challenge before resources are committed
  • Building for today’s market means showing up late to tomorrow’s
02

The Solution

Trulioo uses Liminal Command, the Expert Desk, and the Liminal Index as its window into where the identity market is moving and how the competitive landscape is shifting.
The team's operating principle is simple: "As soon as we start building a strategy or product for today, we've lost," said Chad Gerhardstein, Chief Risk and Strategy Officer at Trulioo. "We need to be building product for the future, where things are moving." Liminal provides that direction of travel and the broader thematic motions in identity, fraud, and compliance that show where the market is heading. Liminal also provides ground truth. Market sizing, competitive capabilities, and buyer behavior give the team the data to challenge and validate its biggest decisions.
"We need ground truth. Market sizing, competitive products and capabilities, how things are being sold, bought, and churned, those are bigger bets than we want to take unguided. We rely on Liminal for smart, informed bets we can stand behind." — Chad Gerhardstein, Chief Risk and Strategy Officer, Trulioo
That intelligence runs across the company rather than sitting within a single function. The product team uses it to pressure-test design decisions and build with real industry challenges in mind. The strategy team uses it to validate market-entry decisions. When Trulioo evaluated further investment in middle-market banking, Liminal research confirmed a large addressable market growing at a double-digit CAGR across regions, turning a directional instinct into a bet the team could stand behind. And the go-to-market team draws on the same intelligence to sharpen the storyline and the urgency behind commercialization.
"Liminal can support us end-to-end, from the first conversation around why we want to go somewhere to how we want to build it and who we want to sell it to," Gerhardstein said.
03

The Results

70% revenue growth target in the banking and gaming segments, with Liminal intelligence grounding where and how the team makes those moves


Intelligence in use across three functions: product, strategy, and go-to-market

3+ Liminal Index reports informing product and market strategy
Market-entry decisions grounded in data, including a validated expansion thesis in middle-market banking with confirmed TAM and double-digit growth
Multi-year enterprise partnership spanning the Liminal platform, Index research, and expert engagement
Beyond the decisions themselves, Gerhardstein points to a quieter effect: confidence. The intelligence "helps distill strategy and direction, but instills confidence," opening eyes across the team to how big the opportunity really is and how buyer behavior is changing.
04

Built by operators, for operators

For Zac Cohen, the differentiator is not the research itself, strong as it is. It is who produces it. The Liminal team has run business units in this space, personally stopped fraud, and carries an operational lens that turns market observations into judgments enterprises can act on. That perspective is also why Cohen highlights Liminal's business entity verification research as frontier, innovative work in a space where Trulioo has one of the longest histories in the market.
05

Company snapshot

Trulioo

www.trulioo.com
Global risk intelligence platform for individual and business verification, fraud prevention, and compliance across 195 countries.
Serves large global enterprises with real-time onboarding and continuous monitoring across the customer lifecycle
Liminal tools used
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