Fraud has evolved faster than most fraud teams. As real-time payments and embedded finance reshape the ecosystem, the bad actors are scaling with AI, automation, and social engineering that outpaces legacy defenses. This session pulls back the curtain on how modern fraud operations actually work—and how leading financial institutions are fighting back in real time. You’ll see live case studies of instant-payment fraud patterns, learn how data intelligence and behavioral analytics can expose synthetic identities, and discover new collaborative models emerging across networks.