Build a world of safer money

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Financial safety is human safety. The two are inseparable. When money disappears, it’s not just a number. It’s someone’s stability, their confidence, their future. As the financial world evolves, so do the challenges. New opportunities for innovation, and new opportunities for fraud. Our industry needs to think differently. Not in silos, but as a connected system.

On the cusp of the World Cup, football fans are eagerly gearing up to root for their favorite team. Unfortunately, large-scale events can also provide cover and opportunity for criminals to launch scams and commit human trafficking crimes. Ian Mitchell, founder of The Knoble and incoming head of Fraud Risk at Oliver Wyman, describes the World Cup Human Trafficking and Scams detection initiative, and shares insights from working groups that bring together banking fraud, AML, cyber security, and investigation teams with law enforcement and industry leaders, using a detection and alert triage guide published by The Knoble community, with participation from Feedzai.

Multiple leaders. One shared problem. As fraud, identity, and security tools and processes converge, many banks have worked to break down silos and align operating models to optimize organizational decision making, rationalize technology investments, and align accountability to the business. This panel brings together technology and security leaders to discuss what convergence looks like in practice, and how they deliver customer trust and security in their organizations.

In a post-digital transformation, post-COVID world of continuous online cyber scams and deepfakes, leading banks have restructured the fraud risk function to a core business enablement function, with accountability to the C-suite to deliver on business KPIs for customer and deposit growth, customer security and trust of their institution. The business is demanding fraud management and financial crime compliance to become competitive differentiators for business growth and operational excellence.

The traditional separation between authentication and fraud decisioning is rapidly evolving. New user enrollment at onboarding, logins, online account recovery, device intel, behavioral signals, all reveal intent behind digital and offline customer interactions. Banks that converge these signals with their fraud decisioning improve significantly on every fraud and CX metric. And they enable proactive fraud defense with an adaptive and continuous defense that triggers the appropriate authentication across the customer journey.

What does convergence look like in practice? Chase UK built it. In this session, they share the practical reality of unifying risk decisioning across inbound, outbound, and cards and what it took to get there. This talk covers how transactional decisions are fused with device intelligence, behavioral biometrics, and network scoring, and why fraud strategy and authentication must be connected to deliver both enhanced performance and a seamless user experience.

The rise of AI agents, embedded in web browsers and consumer AI service providers, allowing personal AI agents to navigate banking web and mobile apps, and execute transactions on behalf of human users, has fundamentally disrupted digital channel controls like behavioral biometrics and bot detection. New agentic behavioral trust and fraud signals are being developed to ensure there is no degradation of trust in banks’ digital ecosystem. In this session, experts will share the evolving paradigm. How to detect if a user is human or an authorized agent acting on their behalf? What kinds of fraud threats can we expect? What behavioral profiling is required to detect good vs bad agentic activity?

The next frontier in fraud defense is network intelligence. However, many banks face critical obstacles, including ensuring customer privacy and navigating complex data-handling regulations. This session provides a practical blueprint for overcoming common network intelligence hurdles to delivering tangible results, allowing organizations to effectively uncover hidden fraud threats without compromising on data confidentiality.

Unwind and enjoy an al fresco evening of fabulous food, drink, music, and conversation at The Perch, an urban oasis with sweeping views of the Manhattan skyline, the Empire State Building, One World Trade Center, and the Statue of Liberty.