AGENDA

Fraud is often treated as a cost to manage or a box to check. For Joseph McLean, CEO and Co-Founder of Quavo, it has always been something more consequential: a defining moment where trust is either restored or lost. In this keynote, Joseph shares his journey from fraud investigator to entrepreneur, and how years on the front lines reshaped his view of fraud and disputes as opportunities to do right by customers when it matters most. He unpacks what the industry often gets wrong about “making it right,” how fragmented and manual processes quietly drive up costs and erode trust, and why understanding the true cost of fraud goes far beyond dollars lost. Drawing on the insight behind Quavo’s founding, Joseph shows how data-driven, modern approaches can align fairness, performance, and growth—challenging leaders to see fraud not as damage control, but as a strategic moment that defines the customer relationship.

It’s no secret that The United States Postal Service (USPS) is a breeding ground for fraud. What is a bit surprising is that the USPS can do something about it, but chooses not to. In an exclusive, no-holds-barred interview, Frank McKenna talks with Frank Albergo, National President of The Postal Police Officers Association. McKenna will discuss with Albergo on how mail theft spiraled out of control and why it continues to get worse. He’ll press Albergo on pulling back the curtain with what’s happening behind the scenes and how the fix is already within the USPS’s grasp. This is a rare, candid look at one of the most underreported fraud pipelines in America and a session you won’t want to miss.

Innovation inside a bank is a marathon, not a sprint. Go behind the scenes of AirKey, Capital One’s card-tap technology that transforms bank cards into NFC hardware authenticators. FI's will learn how fostering long-term innovation can lead to tangible outcomes. AirKey was born in 2017 and launched publicly in 2024, supported by a partnership with Prove. This has led Capital One to experience a 60% drop in digital wallet fraud and a 50% reduction in high-risk transaction fraud. With 100 million cards in the market, AirKey demonstrates how to scale internal breakthroughs. Attendees will explore the realities of corporate innovation and why the juice is worth the squeeze.

The first rule of Agile in fraud? It’s never as clean as the playbook says. The second? Most teams won’t make a perfect transformation—and that’s okay. Join Kyle and Anna for a candid, gloves-off look at what it really takes to bring agile principles into fraud product development. We’ll spar over prioritization, trade jabs about roadmaps, and wrestle with how to truly partner with agile stakeholders. You’ll leave with practical strategies to keep your fraud program strong, flexible, and ready for whatever swings your transformation throws.

Fraud is evolving at an unprecedented pace, driven by automation, artificial intelligence, and the rapid maturation of a modern fraud technology stack. Today’s bad actors operate at industrial scale, leveraging sophisticated tools, shared playbooks, and specialized infrastructure to launch coordinated attacks that far outpace traditional detection and prevention models. These shifting dynamics have fundamentally altered how fraud is executed, scaled, and concealed. This panel will examine the emerging ecosystem that enables modern fraud, including the role of enablers that provide data access, operational know-how, advanced processing capabilities, and services that obscure identity and location, such as VPNs, IP proxy networks, and automation frameworks. We will also explore the rise of identity farms and other coordinated fraud operations that exploit these capabilities to manufacture and weaponize identities at scale. Attendees will gain a deeper understanding of the most impactful current fraud vectors and learn how organizations can adapt — through intelligence sharing, infrastructure-level analysis, and risk-based controls — to disrupt fraud networks, constrain adversaries’ operating space, and stay ahead of increasingly automated threats.

This session examines the convergence of internal and external fraud and how criminal networks exploit employees, cultural weaknesses, and control gaps to access customer data and systems. Recent case studies show long‑tenured employees escalating opportunistic fraud; misconduct rationalized by poor leadership or weak controls; fraudsters recruiting insiders via social media, in person, or through compromised hires; organized state and international networks embedding operatives; and job‑seeker fronts that transfer access to unknown actors. We’ll review practical defenses institutions are deploying, including internal fraud detection programs, monitoring employee interactions with victims, regular access reviews, data masking with unmasking audits, and mandatory time‑away for sensitive roles. You’ll leave with actionable indicators, tools, and program design guidance to better detect, deter, and disrupt insider‑enabled fraud.

Fraud teams are being outpaced not because they lack heart, but because they lack resources. Budgets are tight, headcount is tight, but fraud attacks keep coming harder and faster. So how do you keep up without burning out?In this session, we flip the script: data becomes your muscle and AI becomes your strategy. We’ll strip away the buzzwords and start with how real investigators work, what slows them down, what decisions matter most, and where automation actually wins.You’ll walk away with a clear playbook for turning workflows, decision logic, and compliance know-how into AI that extends real judgment, not replaces it.

This session walks through a real-world $30,000 credit card fraud investigation that turned into a model of collaboration and compliance in action. What began as a suspected fraud case at a Las Vegas casino quickly evolved into a cross-industry effort leveraging FinCEN’s 314(b), compliance insights, and law enforcement partnerships. Attendees will learn how behavioral analysis, quick coordination, and professional networking led to a swift resolution and uncovered a first-party fraud scheme at a Credit Union.

Fraud doesn’t happen in a vacuum, yet we defend in silos. A fraud ring uses AI to manufacture thousands of "trusted" bank accounts today, only to weaponize them for disaster relief scams or mule networks tomorrow. We are losing because we treat identity as a one-time gate. To win, we need an Identity Operating System for the Internet. This requires a fundamental shift in how we define identity. It is no longer just a snapshot of PII; it is a living composite of digital footprints, real-time behavior, and transactional history—all linked in a single, fluid view across a global graph. In this session, we will conduct a live analysis of cross-border, cross-sector attack patterns. We will demonstrate how a fraud ring’s digital signature remains visible even as they jump from banking to government programs to global marketplaces. You will see firsthand how a unified Identity OS exposes these hidden relationships, allowing us to recognize the pattern in one sector and neutralize the entire ring’s utility across the globe instantly. It’s time to stop chasing individual transactions and start deplatforming the fraud economy.

Fraud doesn’t stand still — and neither can detection. This session takes participants through the full lifecycle of a fraud pattern, from the first curious data signal to deploying and refining a production rule in a live environment. Using real-world examples and practical frameworks, attendees will learn how to turn raw insights into actionable hypotheses, measure the impact of detection rules with meaningful metrics and dashboards, and continuously incorporate investigator findings and behavioral signals to strengthen defenses. By the end of the session, participants will have a clear, repeatable approach to translating data curiosity into scalable, adaptive fraud prevention strategies.

Elder fraud is no longer a fringe issue—it’s an $81B crisis that’s growing fast, with losses up 33% year over year and almost no real deterrence as only a fraction of cases are investigated. The money is flowing to transnational organized crime groups overseas, impacting nearly every customer and every business in this room. Despite years of investment, the curve keeps bending the wrong way, proving that siloed mitigation efforts aren’t enough. This session challenges fraud leaders to rethink the approach: by aggregating investigative data across sectors, we can see the full picture, generate higher-impact leads for law enforcement, and strengthen prevention and education. We’ll explore how the NEFCC enables this collaboration today—and why financial institutions, working together, can materially change outcomes for elder fraud victims.

As agentic commerce accelerates, fraud risk is evolving just as quickly. This session cuts through the hype to examine fraud considerations across the agentic commerce lifecycle, in a fast-moving environment where multiple players are testing new models simultaneously—and traditional bot-blocking is no longer enough. Using Visa’s approach as a practical example, we’ll explore how network-level standards can create guardrails that enable innovation while managing risk. The focus then shifts to what this means for banks: how to move from blocking bots to a risk-based strategy that allows “good” agentic activity without opening the door to fraud. Attendees will gain a clear view of the incremental controls required to operate safely at scale, including capturing consumer intent, leveraging passkeys and tokens, and modernizing authentication for an automated future.

Fraud Red Team testing is gaining traction across the industry, but many institutions struggle with how to move from periodic testing to sustained, business-as-usual (BAU) execution. This roundtable will focus on how leading banks are operationalizing Fraud Red Team programs, how they interface with business partners, plan testing cycles, ingest and socialize results, risk-rank findings, and integrate remediation into existing fraud, risk, and technology workflows. Rather than focusing on theory or tooling, the discussion will be practitioner-led and centered on real operating models. Panelists will share how they engage internal stakeholders, align findings to ownership, and ensure testing outcomes translate into measurable control improvements over time. Attendees will walk away with concrete insights into what it takes to embed Fraud Red Team testing into BAU without disrupting day-to-day operations.

Waiting on regulators to clarify data sharing to make your lawyers happy is not working. Buckle up. This rapid fire, half hour session will be divided into two parts. First, Matt O’Neill and Greg Williamson will skip the “well if only FinCen drafted clearer language” convo and get right to the low hanging fruit (data) you should have been sharing yesterday. This is bank to bank data sharing focused. Then, we’ll bring Jim Hitchcock and Steve Gutierrez on stage to go through the same exercise, this time when sharing data with law enforcement. What best practices and data sharing can happen right away and how do you ensure you're speaking the same language. Let’s stop kicking this topic down the road and actually do something. This session won’t give you a template on how to share all data. It will give you easy wins and empower you to take action.

ACH debit abuse and first-party fraud have reached a tipping point. With 60-day return windows, minimal investigations at intake, weak onboarding controls, and limited data sharing between institutions, bad actors are exploiting the gaps. This session tackles the hard questions: What is Nacha seeing across the network and how can RDFIs, ODFIs, vendors, and Nacha form a unified front to challenge questionable claims while staying compliant? Stacie and Devon will answer these questions while sharing battle stories and practical solutions. Things like smarter onboarding and KYC, better monitoring of unauthorized return rates, actionable data sharing, and stronger collaboration across the ecosystem.

Want to educate the youth about scams but not sure where to start? This session is your answer. Say hello to navigating "The Digital Storm", a ready-to-use presentation built to teach teens how to recognize and avoid online scams. Designed for parents, educators, and industry professionals, it comes complete with a Facilitator’s Guide so anyone can deliver it with confidence. Paul and Mike will walk you through the presentation and how it can best be leveraged in your local community. And it doesn’t stop with you. This can be passed along to others willing to step in the ring and protect our youth. This is the toolkit we’ve all been waiting for!

In this session, we’ll discuss how the use of signals, such as device tokens or image similarity is evolving in 2026. While fraud teams and technical solutions are getting access to more metadata and insights, fraudsters are also gaining access to more sophisticated techniques (e.g. device ID rotation) and technologies. The result? Some of your favorite fraud rules created in 2025 are now ineffective. Join fellow fraud professionals in discussing how you’re automating fraud blockage - what’s still working, what’s new for 2026, and what’s still up in the air.

Fraud teams work relentlessly to stop bad actors and protect customers—yet too often their impact is dismissed as a back-office cost line. That ends here. Great fraud fighters don’t just save financial institutions a ton of money—they make the world safer. This session is about going to bat for them. Hear how two leaders from different types of FIs advocate for their teams, drive real recognition, and unlock career growth and pay that matches the value they deliver. You’ll leave with practical, executive-ready strategies you can take back to the office and put to work immediately.

This session explores the generalized features of modern document verification (DocV) — DMV/MVC connectivity, facial biometrics, real-time selfie capture, etc. — and evaluates their strengths and limits when confronting forged, stolen, or synthetic identity evidence. We’ll map common fraud procurement patterns (e.g., fake data + matched portrait + fake ID; stolen data + mismatched portrait + fake ID; stolen data + matched portrait + real ID) and use that taxonomy to ask the critical question: where are current controls truly effective, partially effective, or ineffective?

Check fraud is a massive problem people just keep expecting to go away with the declining use of checks. Well, news flash: checks are still here. And although volume did decline in the U.S. last year, the average loss per incident of check fraud went way up. So let’s buckle down and talk about some strategies that actually work. Frank, Robby, and Mike will discuss five proven strategies to strengthen your check fraud game. They’ll cover real-world case studies, hold strategies that have proven effective, advanced tech, and process hardening, as they provide a blueprint of best practices. It’s time we stopped professional check fraudsters and their endless feed of stolen checks and stacks of cash on social… and punch them in the mouth (figuratively speaking of course).

We’ve all heard the word FRAML (unfortunately). We’ve all seen how little actually changes. Fraud and AML teams were built with different goals, metrics, and tools—so real collaboration isn’t easy. But waiting for a full team merger isn’t the answer either. In this interactive roundtable, David, Will, and Matthew cut through the buzzwords and focus on practical, achievable wins that teams can act on now. The discussion will zero in on where collaboration more naturally works: using graph technology across fraud and AML, putting KYC insights to better use in fraud decisions, sharing techniques that translate across both disciplines, and building the cross-team relationships that make everything else possible. No theory. No org-chart gymnastics. Just real talk and real progress—driven by the room, not the slides.

Scams have evolved into a globally coordinated industry, yet our defenses remain stuck in reactive silos. In this high-stakes deep dive, Ian Mitchell and Kitboga expose the structural flaws of modern fraud prevention and propose a radical shift from absorbing losses to dismantling criminal infrastructure. By weaponizing AI-driven personas to engage scammers at scale and validating technical signals in real time, this session maps a new collaborative architecture that unites financial institutions, NGOs, and investigators. It’s time to move beyond individual defense models and join forces in a unified, cross-sector ecosystem that treats intelligence sharing as essential infrastructure rather than an afterthought.