AGENDA

08:00 AM - 09:10 AM

70 Minutes

Registration & Breakfast (exihibits open)

Tracy Hall takes audiences inside an 18-month relationship built on love, credibility and careful manipulation - before it unravelled in a single moment with a Crime Stoppers video and a $317,000 loss. What unfolds is not just a personal story of intimate fraud, but a forensic look at how trust is engineered, groomed and ultimately weaponised. Tracy draws directly from her lived experience, the investigative work that exposed decades of global deception, and the psychological mechanics that bypassed the belief that "it would never happen to me". From pig-butchering syndicates in Southeast Asia to Yahoo Boys targeting teenagers with AI-driven sextortion, Tracy connects her story to the industrial scale of modern financial crime. She breaks down the psychology of scams and challenges audiences to rethink fraud resilience not just as a systems problem, but a human one. This keynote is not just a cautionary tale; it is a practical call to action for individuals, communities, and organisations to build financial and digital resilience, educate themselves on scams and fraud, recognise vulnerabilities, and foster vigilance in an increasingly deceptive world.

09:20 AM - 9:35 AM

15 Minutes

welcome to fraud fight club (Exhibits Closed until Lunch)

09:35 AM - 10:05 AM

Main stage

40 Minutes

the price of trust

Tracy Hall

10:10 AM - 10:30 AM

Main stage

20 Minutes

Deepfake R us

Dark web marketplaces, low-cost AI tooling, and new injection vectors have turned generative media into a fraud accelerator. This session shows real life examples of these attack vectors using controlled, ethical demos, and — most importantly — delivers real, implementable prevention and detection strategies for individuals and organizations. Walk away able to spot likely abuses, harden controls, and specific takeaways that you can include in your strategy to combat deepfakes.

Miguel Navarro

David Maimon

10:35 AM - 10:55 AM

Main stage

20 Minutes

Defense Against the Dark Arts: How AI is Shaping Fraud Prevention

In an era where deepfake attempts have skyrocketed 2,137% and AI-generated phishing is now 4.5× more effective than human-crafted attacks, the financial crime landscape has shifted into a high-stakes AI arms race. This session dives into the trenches of modern fraud, exploring how bad actors weaponize voice cloning—up 680% in the last year alone—and how data scientists can "fight fire with fire" using advanced ML models and defensive technologies. We’ll move beyond the headlines to discuss data strategies and techniques required to harden your defenses, ensuring your fraud program doesn't become the "hobbling antelope" of the pack in this rapidly evolving threat environment.

Jeff Finocchiaro

Matthew Burris

10:10 AM - 10:55 AM

Deep dive - tyson

40 Minutes

Mobile Driver’s Licenses & Verifiable Credentials: Can U.S. Banks Catch Up?

Europe is requiring verifiable credentials and building the infrastructure to support them. This session brings together fraud leaders from U.S. banks for an open, practical discussion on where mobile driver’s licenses (mDLs) and verifiable credentials stand today in the U.S. — and what comes next. We’ll break down the latest progress in Europe to set the global context, then turn to the U.S. market: state-issued mDLs, digital passports, and the growing role of identity wallets from Apple, Google, and Samsung. More importantly, we’ll dig into what this all means for banks right now. Expect a candid conversation on how verifiable credentials could meaningfully reduce synthetic identity and account takeover fraud, where the real opportunities exist inside banks, and what’s standing in the way—from risk executives and CISOs to regulators and unclear standards. Is there a strong business case? How can the industry use this moment to accelerate adoption rather than fall further behind? This session will cover it all!

Brian Russell

Reuben Stewart

10:10 AM - 10:55 AM

Deep dive - mayweather

40 Minutes

Beyond the Buzzwords: Real-World Synthetic Fraud Detection

Synthetic identity fraud continues to be one of the most hyped and inconsistently addressed fraud types across the industry. In this session, we’ll move past high-level buzzwords and dive into how fraud teams are actually defining, detecting, and treating synthetic fraud today. We’ll discuss the challenges of labelling synthetic fraud, why those definitions matter, and how they influence detection and treatment strategies. The conversation will cover what tools and signals teams are using now, what’s working, what’s not, and what they want to try next. We’ll also dig into step-up strategies, including when and how teams use eCBSV—and when they don’t. This session is designed to be highly interactive, drawing on the collective experience of fraud practitioners to surface practical insights, tradeoffs, and lessons learned from the front lines.

Robby Perry

Jeff Dant

10:10 AM - 10:55 AM

Deep dive - Ali

40 Minutes

Progress Over Perfection: Building a Scam Taxonomy You Can Use Now (& Later)

For years, the industry has been chasing the dream of a perfect, universal scam taxonomy — one consistent structure to classify, label, and report fraud across financial institutions. But while we wait, scams continue to evolve, and the absence of any taxonomy is doing more harm than an imperfect one ever will. This session challenges the “wait for standardization” mindset and empowers financial institutions to start now with practical, logical frameworks tailored to their own operations. However you can't forget the future. It's important to develop a scams taxonomy that can adapt easily to a universal scam taxonomy when one is agreed upon. We’ll explore how to deconstruct scams into meaningful components, apply flexible labels, and implement a version that can evolve over time.

Brad Haacke

Kerry Cantley

10:10 AM - 10:55 AM

Deep dive - holyfield

40 Minutes

The RDFI Awakening: Mastering Nacha’s New Fraud Mandates

As Nacha’s evolving standards push Receiving Depository Financial Institutions (RDFIs) into the fraud-monitoring hot seat, incoming ACH is no longer "someone else’s problem." This session explores how risk leaders are moving beyond basic compliance to address the operational blind spots—such as money mule activity and account takeover—that fraudsters exploit through faster funds availability. We will bridge the gap between what examiners expect and what legacy systems currently provide, offering a roadmap for implementing "commercially reasonable" monitoring without breaking the customer experience. By examining real-world detection signals, internal alignment strategies, and Nacha guided advice, attendees will learn how to turn these new mandates into a proactive defense that unites all parties against the fraudsters.

Devon Marsh

Scott Edwards

11:00 AM - 11:20 AM

Main stage

20 Minutes

Evidence-Based Research & Fraud Prevention: From Theory to Practice

Fraud prevention works best when decisions are driven by evidence rather than assumptions. This session introduces an evidence-based approach to fraud prevention and shows how it can be operationalized using real data from the online fraud ecosystem. Students from the Evidence-Based Cybersecurity Research Group (EBCS) at Georgia State University demonstrate how fraud actors advertise, coordinate, and exchange services online, and how systematic data collection from these environments can generate early warning signals for financial institutions. The session concludes with a practical case study examining the relationship between check theft and identity theft in the United States, highlighting how an evidence-based framework helps uncover connections between fraud types and supports more effective detection, investigation, and prevention strategies.

Dr Eden Kamar

Joshua Gerstenfeld

Chinweolu Okafor

11:25 AM - 11:45 AM

Main stage

20 Minutes

When AI Joins The Fraud Team

Generative AI gets plenty of attention as a fraud risk. But what happens when fraud and AML teams turn it into a tool? In this session, leaders from large financial institutions and fintechs share how generative and agentic AI are already showing up inside real fraud and AML workflows — helping teams move faster by automating investigation steps, prioritizing alerts, and supporting reviews across onboarding, transactions, and ongoing monitoring. Just as importantly, they call out where human judgment still rules, from edge cases to high-risk decisions. We’ll close with a look at what’s working today, what’s not, and how teams expect fraud and AML operations to evolve as agentic AI moves from experiment to production.

Andrew DiMattina

Erin Vertin

11:00 AM - 11:45 AM

Deep dive - tyson

40 Minutes

Fraud Education as a Growth Engine: From Roadmaps to ROI

Fraud and scams are evolving faster than most education efforts can keep up. This session is designed to help fraud teams move from well-intentioned awareness campaigns to education programs that actually change outcomes. We’ll explore how to measure the real ROI of fraud education by tracking which consumers and businesses received outreach—which didn’t—and tying that data directly to scam victimization rates. The session will emphasize a mindset shift, looking at fraud education as a growth catalyst. The discussion will also cover how to secure buy-in from corporate communications, why fraud teams should own fraud and scam education, and how business scam education differs from consumer-focused efforts. Attendees will leave with a practical roadmap for improving fraud education over time, grounded in realistic expectations and measurable impact.

Andrew Cromwell

Jeff Taylor

11:00 AM - 11:45 AM

Deep dive - mayweather

40 Minutes

Kill the Password: Lessons from the Front Lines of Passkey Deployments

For decades, passwords have been the cornerstone of digital authentication. Today, they are a primary vector for fraud—powering phishing and massive credential-stuffing attacks—and a significant source of customer friction. In this session, leaders from the world’s largest financial institutions move beyond the technical specs to discuss the "Why" and "How" of Passkeys. We will examine why passkeys are a definitive upgrade for both customer experience and security, and how to navigate internal stakeholder hurdles to achieve a successful multi-platform rollout.

Andrew Shikiar

Michael Toth

Matt Wheeler

11:00 AM - 11:45 AM

Deep dive - Ali

40 Minutes

Inside the Network: Telecom Responsibility for Stopping Scams

Scams are not just a problem for financial institutions, they exploit the networks that power global communication. As fraud evolves from spoofed calls and smishing to API-driven abuse, prevention is moving closer to the telecom layer itself. In this deep dive, Jaime Zetterstrom of Somos and Stacy Graham from Sinch lead a candid conversation on why carriers are increasingly expected to take a frontline role in preventing scams. This session explores network-level trust, shared accountability across the ecosystem, and how deeper collaboration between carriers and CPaaS (Communications Platform as a Service) can meaningfully reduce harm.

Jaime Zetterstrom

Stacy Graham

11:00 AM - 11:45 AM

Deep dive - holyfield

40 Minutes

2026 Fraud Predictions: Where Are We Now?

For the last eight years, Frank, Mary Ann, and Karisse have released their annual fraud predictions at the beginning of the year. Well, Q1 will be in the books by the time this deep dive happens - so where do we stand? Join this dynamic trio, plus special guest Matt Vega, to unpack what predictions are already at top speed and which are on the horizon. They’ll cover Digital Arrest Scams, SIM Nation Fraud, Pig Butchering 2.0, Self-Adapting AI Fraud Agents, and more! With 71 of 83 past predictions proven correct, this is not only a fun session with some of your favorite personalities in the industry… it has reliable foresight.

Mary Ann Miller

Frank McKenna

Karisse Hendrick

Matt Vega

11:50 am - 12:30 pm

Startup showcase

40 Minutes

the pitch

Donna Turner

Miguel Navarro

Start-ups

12:30 am - 01:40 pm

70 Minutes

lunch

01:45 PM - 01:50 PM

Main stage

30 Minutes

main stage session (exhibits closed)

PJ Rohall

Ronald Praetsch

Oonagh van den Berg

01:50 PM - 02:20 PM

Main stage

5 Minutes

Payment & Scams Crossfire: Ask Them (just about) Anything

We've gathered leaders across payment rails and countries to hit them with your most pressing questions about fraud & scams. Donna Turner will moderate the crossfire, launching questions of her own. But then, we'll turn to the audience for their inquiries. If you could do one thing differently for your FI/Network right now to make the scam fight more effective, what would it be?If you could ask Congress/Parliament to do one thing in this fight right now, what would it be?If you could ask Meta to do one thing differently right now, what would it be? Direct questions. Hard questions. Honest answers. Oh, and make sure you brainstorm some questions of your own!

Mary-Helen McElfresh

Darrell Jantzi

Kyle Caldwell

Donna Turner (moderator)

02:25 PM - 04:00 PM

meeting madness - front room

95 Minutes

meeting madness

02:25 PM - 03:10 AM

Deep dive - tyson

40 Minutes

The LLC Explosion: AI Manufactured Fake Businesses

In this session, the former president of Early Warning explores the fraud explosion in fake businesses, driven by the convergence of AI, deepfakes, and automated LLC registration. As scammers leverage these tools to create hyper-convincing business personas at an unprecedented scale, the speaker argues for a return to rigorous verification fundamentals: robust Know Your Business (KYB) protocols, transparency regarding Ultimate Beneficial Owners (UBO), and real-time account verification. Drawing on the foundational lessons of building Zelle’s risk infrastructure, the session highlights how banks must now adopt "AI vs. AI" front-end defenses to bridge the gap between original security visions and the current, accelerated threat landscape.

Eric Woodward

02:25 PM - 03:10 AM

Deep dive - mayweather

40 Minutes

The TikTokification of Fraud: How Social Media Hacks Are Reshaping First-Party Fraud

The hottest trend on social media right now isn’t a dance or a challenge. It’s unethical “life hacks” that show people how to defraud their bank. In this session, we unpack how viral content on TikTok, Instagram, and beyond is accelerating first-party fraud, exploiting borrower psychology, network effects, and the false sense of legitimacy that comes from “everyone else doing it.” The result? Financial liability quietly shifts to institutions, often before fraud teams even see it coming. Using real-world examples, we’ll break down how social-media-driven fraud spreads, why traditional detection models struggle to catch it, and what teams can do to respond faster. Attendees will walk away with practical, battle-tested strategies to identify emerging patterns, educate customers, and shut down social-enabled fraud before it spirals.

Steve Durney

Emrys Gravell

02:25 PM - 03:10 AM

Deep dive - Ali

40 Minutes

Crypto Demystified: The Fundamentals All Fraud Fighters Should Know

The crypto ecosystem continues to evolve at a blistering pace, reshaping financial services, customer expectations, and the fraud landscape along with it. This session will demystify the fundamentals of crypto - what it is, how it works, and why every fraud, risk, and operations professional needs a working understanding of the space. We’ll break down the core terminology and technologies behind digital assets before shifting into what truly matters for practitioners and institutions: the real risks, the emerging threats, and the practical implications for fraud prevention. Attendees will leave with a practical understanding of how crypto enabled fraud manifests today, what it means for customer experience and trust, and how teams can prepare themselves for the next wave of digital asset driven threats.

Daniel Lee

Dan Galeon

Dylan Waters

02:25 PM - 03:10 AM

Deep dive - holyfield

40 Minutes

Right-Sizing GenAI: Practical Applications & Managing Internal Expectations

Every executive is pushing their fraud department to use Gen AI. Problem being, Gen AI isn't an ideal fit for every internal process, control, and use case. Also, the internal exploration and validation process is very time-consuming and expectations are often out of step with the practical realities of implementation in an ambiguous environment like fraud. So, we brought in three bright, Gen AI minded fraud fighters to share their experiences. What are they being asked? How are they responding? What are practical ways to move forward and communicate up the chain? This session will answer all of that while encouraging the group to share their own experiences. Gen AI is in it’s infancy, therefore we need to work together to learn the best ways to harness its value and keep expectations aligned.

Doug Mihalow

Chris Hart

Steve Lenderman

03:15 PM - 04:00 AM

Deep dive - tyson

40 Minutes

Call, Text, or Chat: A Collapse in Trusted Communication

Fraudsters are exploiting communication channels and decaying trust at an exceptional rate. Whether phone calls and texts or online chat applications, these are ideal spaces for fraudsters to intercept, impersonate, and hijack trust. This session will reveal the most damaging schemes: SMS phishing, abusing online credit card chat applications, fraudulent call centers, insider recruitment, and more! And then, drawing on many decades of cyber fusion and threat intelligence experience, Ben and Sam will provide clear solutions to help fortify these communication channels. The discussion will range from full implementation of RCS to best practices and procedures to soak in. None of these issues are easy, but it's time we share openly the things that are actually working!

Ben Coon

Sam Strohm

03:15 PM - 04:00 AM

Deep dive - mayweather

40 Minutes

Inside the Mind of a Fraud Executive

This deep dive pulls back the curtain on the real life of fraud-fighting executives. We’ll explore what keeps them up at night and how they navigated a career that landed them in the boardroom. Through candid story-telling and audience-driven prompts, the session will move fluidly between present-day pressures and the personal journeys that shaped these leaders along the way. By intentionally connecting today’s toughest challenges with pivotal career moments, the conversation reveals how resilience, judgment, and hard-earned lessons forged under pressure continue to influence executive thinking. Expect honest stories, practical insights, and a rare look at how fraud leaders think when the stakes are highest.

Donna Turner

Sue Ross

03:15 PM - 04:00 AM

Deep dive - Ali

40 Minutes

Non-Negotiable: Prioritizing Mental Health & Wellness

Fraud fighting is a relentless, evolving battle that takes a profound toll on mental and emotional health, yet the "constant punching bag" nature of the work is rarely discussed. From frontline analysts to high-pressure executives, the weight of the stories we hear and the stakes we manage cannot simply be "left at work." This session creates a much-needed safe space to ignite honest, vulnerable conversations about the reality of these silent struggles—because in this industry, a mental health crash isn't a matter of if, but when. We will move beyond corporate platitudes to establish wellness as a non-negotiable professional standard, empowering fraud fighters of all levels to prioritize their resilience and finally be heard.

Robert Autrey

Freddy Massimi

Reggie Whitley

03:15 PM - 04:00 AM

Deep dive - holyfield

40 Minutes

Closing the Critical Gap Between KYC and Fraud Prevention

Most banks treat KYC and fraud as parallel tracks—regulated, procedural onboarding on one side and high-velocity threat response on the other. But sophisticated fraudsters have already figured out how to slip through “minimum standard” KYC checks, leaving fraud teams fighting preventable losses downstream. This session explores how institutions can dismantle the siloed model and build a unified, intelligence-driven approach. When KYC and fraud operate as one integrated engine, banks don’t just meet regulatory requirements—they outpace criminals, reduce operational drag, and dramatically improve customer trust and safety.

Angela Diaz

Jen Lamont

Karen Boyer

04:05 PM - 04:10 AM

power hour

5 Minutes

Intro to Power Hour

Oonagh van den Berg

04:10 PM - 04:20 AM

power hour

10 Minutes

FIDO: A Time to Kill Passwords

Andrew Shikiar

04:20 PM - 04:30 AM

power hour

10 Minutes

NEFCC: A Force for Good in Fighting Elder Fraud

Brady Finta

04:30 PM - 04:40 AM

power hour

10 Minutes

Protect Our Youth: New Scam Education Kit

Paul Raffile

04:40 PM - 04:50 AM

power hour

10 Minutes

Rethinking How We Disrupt Organized Scams

kitboga

04:50 PM - 05:00 AM

power hour

10 Minutes

Lifetime Achievement Award

ronald

05:00 PM

day 1 end

08:00 AM - 09:10 AM

70 Minutes

Registration & Breakfast (exihibits open)

09:20 AM - 9:35 AM

15 Minutes

welcome back to fraud fight club (Exhibits Closed until Lunch)

09:35 AM - 10:05 AM

Main stage

40 Minutes

Fraud’s Defining Moment: Why It Pays to Make It Right

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.

Joe Mclean

10:10 AM - 10:30 AM

Main stage

20 Minutes

Frank on Frank: Why The USPS is Choosing Not to Stop Mail Fraud

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.

Frank McKenna

Frank Albergo

10:35 AM - 10:55 AM

Main stage

20 Minutes

Banking on Innovation: The AirKey and Capital One Story

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.

Mary Ann MilleR

Jenna Kaye-Kauderer

10:10 AM - 10:55 AM

Deep dive - tyson

40 Minutes

Going a Few Rounds with Agile

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.

Kyle Caldwell

Anna Rozansky

10:10 AM - 10:55 AM

Deep dive - mayweather

40 Minutes

The Modern Fraud Stack: Enablers, Ecosystems, and the Rise of Scaled Deception

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.

Mike Cook

Jeff Finocchiaro

10:10 AM - 10:55 AM

Deep dive - Ali

40 Minutes

The Enemy from Within: Alarming Links Between Internal and External Fraud

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.

Troy Huth

10:10 AM - 10:55 AM

Deep dive - holyfield

40 Minutes

Outnumbered, Not Outmatched: How Data-Driven AI Turns Lean Fraud Teams Into Heavy Hitters

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.

David Chmielewski

Hailey Windham

11:00 AM - 11:20 AM

Main stage

20 Minutes

Collaboration Wins: Solving a $30,000 Fraud Case

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.

Marc Evans

Jen Lamont

11:25 AM - 11:45 AM

Main stage

20 Minutes

The Identity OS: Killing the Cross-Sector Fraud Loop

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.

Rivka Gewirtz Little

Yigit Yildirim

11:00 AM - 11:45 AM

Deep dive - tyson

40 Minutes

From Hunch to Heuristic: Using the Data Cycle to find, fight, and fix fraud fast

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.

Katherine Toldy

John Watkins

11:00 AM - 11:45 AM

Deep dive - mayweather

40 Minutes

An $81B Problem: Rethinking the Fight Against Elder Fraud

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.

Jamie Simmons

Brady Finta

11:00 AM - 11:45 AM

Deep dive - Ali

40 Minutes

Agentic Commerce: Managing Fraud Without Killing Innovation

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.

Nik Walser

Garin Danielian

11:00 AM - 11:45 AM

Deep dive - holyfield

40 Minutes

Assurance, Not Assumption: Operationalizing Fraud Red Team Testing

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.

Jerry Tylman

William Borst

Peter Theodoros

11:50 am - 12:30 pm

Main stage

40 Minutes

Data Sharing: Finally, Advice I Can Act On

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.

Greg Williamson

Jim Hitchcock

Matt Oneill

Steve Gutierrez

12:30 am - 01:40 pm

70 Minutes

lunch

01:45 PM - 01:50 PM

Main stage

5 Minutes

main stage session (exhibits closed)

PJ Rohall

Ronald Praetsch

Oonagh van den Berg

01:50 PM - 02:20 PM

Main stage

30 Minutes

First-Party Fraud & ACH Abuse: A Fraudster’s Playground

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.

Stacie Purcell

Devon Marsh

02:25 PM - 04:00 PM

meeting madness - front room

95 Minutes

meeting madness

02:25 PM - 03:10 AM

Deep dive - tyson

40 Minutes

Protect The Youth: A Ready-to-Use Scam Education Kit

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!

Paul Raffile

Mike Kaspar

02:25 PM - 03:10 AM

Deep dive - mayweather

40 Minutes

Signals to Capture More Fraud in 2026

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.

Louis DeNicolA

Angela Diaz

02:25 PM - 03:10 AM

Deep dive - Ali

40 Minutes

Fraud Executive Summit (invite only)

02:25 PM - 03:10 AM

Deep dive - holyfield

40 Minutes

Getting Your Fraud Team the Recognition, Roles, & Raises They Deserve

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.

Dave Pilot

Melina Santiago

03:15 PM - 04:00 AM

Deep dive - tyson

40 Minutes

Modern Document Verification Under Fire: What’s Covered, What’s Not, and How to Fix It

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?

Miguel Navarro

03:15 PM - 04:00 AM

Deep dive - mayweather

40 Minutes

Check Fraud Playbook: 5 Strategies Banks Are Using to Fight Back

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).

Robby Sullivan

Mike Timoney

Frank McKenna

03:15 PM - 04:00 AM

Deep dive - Ali

40 Minutes

NOT Another Reorg: Fraud & AML Collab That Works

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.

Will Voorhees

David Kerman

Matthew Burris

03:15 PM - 04:00 AM

Deep dive - holyfield

40 Minutes

From Fragmentation to Force Multiplier: Rethinking How We Disrupt Organized Scams

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.

Kitboga

Ian Mitchell

04:05 PM - 04:15 AM

power hour

10 Minutes

Thank You & Final Words

PJ Rohall

Ronald Praetsch

04:15 PM

Depart Event