Trust is everything in banking. But instant payments, and the weaponization of AI, have pushed fraud past the limits of siloed controls. This session explores how cloud-based, cross‑industry consortiums enable institutions to collaborate in real time across the ecosystem, sharing privacy‑safe signals to spot scams and synthetic identities before money moves, without adding friction for customers.

Most fraud headlines focus on the latest tactics. But the real shift is deeper: fraud and financial crime have changed. They no longer occur as isolated attacks. Instead, they operate as continuous, coordinated systems spanning identity, payments, scams, and money movement — and often appear legitimate at the moment they occur. Rather than speculating about future threats, we’ll examine what actually changed in fraud and AML operations in 2025 and what leaders should prioritize, fund, and operationalize in 2026.

Meet the Sardine team at Homeland Security Week 2026.