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) platform, 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 the Credit Union.

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.

It’s no secret that The United States Postal Service (USPS) is a breeding ground for fraud.
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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.

Fraud prevention works best when decisions are driven by evidence, not assumptions. This session introduces an evidence-based approach and shows how real data from the online fraud ecosystem can be operationalized.

Researchers 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 generates early warning signals for financial institutions. The session closes with a practical case study on the link between check theft and identity theft in the United States, showing how evidence-based frameworks uncover connections between fraud types and strengthen detection, investigation, and prevention strategies.

Waiting on regulators to clarify data sharing to make your lawyers happy is not working. Buckle up. This rapid-fire, forty-minute session is split into two parts.

First, Matt O’Neill and Greg Williamson skip the “if only FinCEN drafted clearer language” talk and get straight to the low-hanging fruit — bank-to-bank data you should have been sharing already. 



Then Jim Hitchcock and Steve Gutierrez take the stage to tackle the same challenge with law enforcement: what data can be shared now, what best practices work, and how to speak the same language. Let’s stop kicking this topic down the road and actually do something. This session won’t give you a perfect template — it delivers easy wins and pushes you to act.

Fraud is often treated as a cost to manage. For Joseph McLean, CEO and Co-Founder of Quavo, it’s a defining moment where trust is either restored or lost.

In this keynote, Joseph shares how his journey from fraud investigator to entrepreneur reshaped his view of fraud and disputes as opportunities to do right by customers.

He explores what the industry gets wrong about “making it right,” how fragmented processes drive hidden costs and erode trust, and why the real cost of fraud goes beyond dollars lost. Drawing on Quavo’s founding insight, Joseph shows how data-driven approaches can align fairness, performance, and growth—reframing fraud as a strategic moment that defines the customer relationship.

Get ready for one of the most dynamic sessions of the conference. The Pitch brings five innovative startups to the stage, each with one mission: convince the audience that they are the most promising solution in the market.In a fast-paced, high-energy format, each startup will present its vision, product, and market impact. Our two hosts Donna Turner and Miguel Navarrowill challenge the founders with sharp questions — diving deeper into business models, scalability, differentiation, and real-world results.

No scripted panels. No generic presentations. Just bold ideas, honest answers, and direct insights.

And then it’s your turn. At the end of the session, the audience will vote live to crown the winning startup

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.

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.

Tracy Hall takes audiences inside an 18-month relationship built on love, credibility, and careful manipulation—before it collapsed in a single moment with a Crime Stoppers video and a $317,000 loss. What emerges is not just a personal story of intimate fraud, but a forensic look at how trust is engineered, groomed, and weaponized.

Drawing from her lived experience and the investigation that uncovered decades of global deception, Tracy explains the psychological tactics that bypass the belief that “it would never happen to me.” She connects her story to the industrial scale of modern fraud—from pig-butchering syndicates in Southeast Asia to AI-driven sextortion schemes.This keynote challenges audiences to rethink fraud resilience not only as a systems issue, but a human one—ending with a practical call to action to strengthen awareness, recognize vulnerabilities, and build financial and digital resilience in an increasingly deceptive world.

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.

Fraud doesn’t happen in a vacuum, yet defenses remain siloed. Today, fraud rings can use AI to create thousands of “trusted” bank accounts—later weaponized for scams or mule networks. The problem is treating identity as a one-time check.

To counter this, we need an Identity Operating System for the Internet.Identity must move beyond static PII to a living composite of digital footprints, behavior, and transaction history—connected in a unified global view. In this session, we’ll analyze cross-border, cross-sector attack patterns and show how fraud rings leave identifiable digital signatures as they move between industries.

You’ll see how a unified Identity OS reveals these hidden links, enabling institutions to recognize patterns early and neutralize fraud networks at scale. The goal: stop chasing individual transactions and start dismantling the fraud economy.

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!

For years, the industry has chased the idea of a perfect, universal scam taxonomy — one structure to classify and report fraud across institutions. But while we wait, scams keep evolving, and having no taxonomy is doing more damage than using an imperfect one.

This session challenges the “wait for standardization” mindset and pushes institutions to start now with practical, logical frameworks tailored to their operations.

You still need to plan for the future: your taxonomy must adapt easily once a universal standard emerges.

We’ll break scams into meaningful components, apply flexible labels, and show how to implement a version that evolves over time.

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 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.

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.

The crypto ecosystem continues to evolve at a blistering pace, reshaping financial services, customer expectations, and the fraud landscape. 



This session demystifies the fundamentals of crypto — what it is, how it works, and why every fraud, risk, and operations professional needs a working understanding. We’ll break down core terminology and technologies behind digital assets, then focus on what matters most: real risks, emerging threats, and the practical implications for fraud prevention. 



Attendees will leave with a clear understanding of how crypto-enabled fraud manifests today, its impact on customer trust, and how teams can prepare for the next wave of digital-asset-driven threats.

Every executive is pushing their fraud department to use Gen AI, but it isn’t a fit for every process, control, or use case. Internal exploration and validation take time, and expectations are often misaligned with the realities of implementing Gen AI in an ambiguous environment like fraud.

That’s why we’ve brought in three Gen-AI-minded fraud fighters to share what they’re being asked, how they’re responding, and practical ways to move forward and communicate up the chain.

This session will answer those questions while inviting the audience to share their own experiences. Gen AI is still in its infancy, so collaboration is key to learning how to harness its value and keep expectations aligned.

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.

Europe is requiring verifiable credentials and building the infrastructure to support them.

This session brings together fraud leaders from U.S. banks to discuss where mobile driver’s licenses (mDLs) and verifiable credentials stand in the U.S. today — and what comes next. We’ll use Europe’s progress as global context, then focus on the U.S. landscape: state-issued mDLs, digital passports, and identity wallets from Apple, Google, and Samsung.

The discussion centers on what this means for banks now, including the potential to reduce synthetic identity and account takeover fraud, where real opportunities exist, and what’s holding adoption back—from risk leaders and CISOs to regulators and unclear standards.

Elder fraud is no longer a fringe issue—it’s an $81B crisis, growing fast and largely unchecked, with losses up 33% year over year and only a fraction of cases ever investigated. Much of the money flows to transnational crime networks overseas, impacting nearly every customer and business in the room. Despite years of investment, siloed mitigation efforts have failed to bend the curve.

This session challenges fraud leaders to rethink the approach. By aggregating investigative data across sectors, institutions 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 how financial institutions, working together, can materially change outcomes for elder fraud victims.

Scams don’t stop at 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 session, Jaime Zetterstrom of Somos and Stacy Graham of Sinch unpack why carriers are increasingly expected to play a frontline role in stopping scams.

The conversation explores network-level trust, shared accountability across the ecosystem, and how deeper collaboration between carriers and CPaaS providers can meaningfully reduce harm.

Fraud and scams are evolving faster than most education efforts can keep up.

This session helps fraud teams move beyond awareness campaigns to education programs that actually change outcomes. We’ll explore how to measure real ROI by tracking who received outreach—and who didn’t—and tying that data directly to scam victimization rates.

The discussion reframes fraud education as a growth catalyst, not a cost center. We’ll cover how to secure buy-in from corporate communications, why fraud teams should own education, and how business scam education differs from consumer efforts. Attendees will leave with a practical roadmap grounded in measurable impact.

Synthetic identity fraud is one of the most hyped—and inconsistently addressed—fraud types in the industry.

This session cuts through the buzzwords to examine how fraud teams are actually defining, detecting, and treating synthetic fraud today. We’ll unpack why definitions matter, how they shape detection and treatment strategies, and where teams continue to struggle.

The discussion covers the tools and signals teams are using now, what’s working, what’s not, and what they want to test next—including step-up strategies like when and how eCBSV is used, and when it isn’t. Designed as a highly interactive session, it draws on real-world practitioner experience to surface practical insights, tradeoffs, and lessons from the front lines.

Fraud teams aren’t falling behind because they lack effort—they’re constrained by tight budgets, limited headcount, and attacks that keep accelerating.

This session flips the script: data becomes the muscle, and AI becomes the strategy for keeping up without burning out.

We’ll cut through the buzzwords to focus on how investigators actually work—what slows them down, which decisions matter most, and where automation truly adds value. Attendees will leave with a clear playbook for turning workflows, decision logic, and compliance expertise into AI that extends human judgment, not replaces it.

The hottest trend on social media isn’t a dance—it’s unethical “life hacks” that teach people how to defraud their bank. This session unpacks how viral content across TikTok, Instagram, and beyond is accelerating first-party fraud by exploiting psychology, network effects, and the false legitimacy of “everyone else is doing it.”

Using real-world examples, we’ll break down how social-driven fraud spreads, why traditional detection models struggle to catch it, and how liability often shifts before fraud teams even see it coming. Attendees leave with practical strategies to spot emerging patterns, educate customers, and shut down social-enabled fraud before it spirals.

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.

As agentic commerce accelerates, fraud risk evolves just as fast. This session moves beyond the hype to examine fraud across the agentic lifecycle—where multiple players test new models and traditional bot-blocking no longer suffices. Using Visa’s approach as a practical example, we explore how network-level standards create guardrails that enable innovation while managing risk.

The focus then shifts to banks: moving from blocking bots to a risk-based strategy that permits legitimate agentic activity without increasing fraud exposure. Attendees will gain clarity on the incremental controls required to operate safely at scale, including capturing consumer intent, leveraging passkeys and tokens, and modernizing authentication for an automated future.

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” (TDS), 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!

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!

This session explores 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 cases highlight long-tenured staff escalating opportunistic fraud, misconduct driven by weak oversight, insider recruitment via social media or compromised hires, and organized networks embedding operatives or using job-seeker fronts to transfer access.

We’ll examine practical defenses institutions are deploying: internal fraud detection programs, monitoring employee–victim interactions, regular access reviews, data masking with unmasking audits, and mandatory time-away for sensitive roles. Attendees will leave with clear indicators, tools, and program design guidance to better detect, deter, and disrupt insider-enabled fraud.

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.

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.

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.

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.

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.

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).

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.

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.

Fraud is evolving rapidly, fueled by automation, artificial intelligence, and a mature fraud technology stack. Today’s criminals operate at industrial scale, using shared playbooks, specialized infrastructure, and coordinated attacks that outpace traditional detection models.

This panel explores the ecosystem enabling modern fraud, including services that provide data access, operational expertise, advanced processing, and identity-obscuring tools such as VPNs, proxy networks, and automation frameworks. We’ll also examine the rise of identity farms and coordinated operations that manufacture and weaponize identities at scale.

Attendees will gain a clearer view of the most significant fraud vectors today and learn how organizations can respond through intelligence sharing, infrastructure-level analysis, and risk-based controls to disrupt fraud networks and stay ahead of increasingly automated threats.

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 leveraging 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 build a unified, cross-sector ecosystem that treats intelligence sharing as essential infrastructure rather than an afterthought.

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.

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?

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.