8.00 

Registration Opens 

9.00 

Opening Remarks 

9.05 

Opening Address  

9.15 

Headline Sponsor Keynote – VISA 

9.35 

The New Digital Arms Race: How do we stay ahead of the criminals? 

• How are emerging technologies like AI, deepfakes, and decentralised finance reshaping the financial crime landscape in 2025? 

• What strategic changes must financial institutions make to move from reactive defence to proactive leadership in fraud prevention? 

• What are the bold moves the industry must take now to protect consumers, restore trust, and outpace criminal innovation? 

• How can the industry balance the opportunities of AI with regulatory risk and ethical expectations? 

TAGS: Keynote, Technology, AI 

10.20 

Morning Break 

10.50 

Host Bank Partner  

11.10 

From National Policy to Global Practice: Setting the UK’s standard for fraud strategy 

• How does the UK’s consumer-first approach stack up against jurisdictions like Australia, Singapore, and the EU? What are the critical differences in how liability is assigned and enforced across regions? What impacts can we see? 

• With the end of the Economic Crime and Corporate Transparency act drawing closer, what is the industry benchmark for a successful fraud strategy? What gaps remain?  

• What would it take to move cross-border collaboration from promise to practice?  

• As the UK moves from a reactive to proactive stance in the fight against financial crime, what can we as an industry learn and implement from other jurisdictions? 

TAGS: Keynote, Regulation, Cross-Border 

12.00 

Lunch & Networking 

12.45 

Special Address: The new government’s approach to tackling fraud 

Rt Hon Lord David Hanson 

Fraud Minister 

13.00 

Track A  

The Regulatory Maze 

Track B Morning 

Tech vs. Tech 

Track C Morning 

Smoke & Mirrors 

13.00 

The ROI Strategy: investing into effective fraud management  

• How do you communicate fraud strategy as a business enabler, not just a cost? 

• What do the regulators consider a good defence strategy? What guidance can regulators give to organisations to make sure they are ready for the new national strategy? 

• How do you embed fraud prevention into product development from day one? 

TAGS: Regulation 

Real-time rescue: Can we stop scams at the moment of impact? 

• What data points are needed to ensure you deliver your message at the most receptive point in your customer’s journey? 

• As generative AI is making social engineering easier, what counter controls should you put in place to protect your consumer? 

• How do you ensure the predictive technology within your transaction model is up-to-date?  

Understanding the criminal playbook 

• How have deepfakes evolved to become a significant threat to the industry? Why should it be on your roadmap? 

• What are the latest tactics in use by criminals, and how have they evolved?  

• What steps can institutions take to anticipate, not just respond to, these kinds of new threats? 

13.20 

PANEL SESSION: APP Fraud and Reimbursement: What’s working, what isn’t? 

• With the liability shift, how has the APP Reimbursement scheme affected consumer and institutional behaviour?  

• How are financial institutions proactively preventing APP fraud? What new best practice is emerging? 

• How will the abolishment of the PSR affect compliance and reporting? What guidance do we need from the regulators on the PSR-FCA shift and its impact? 

TAGS: Regulation 

PANEL SESSION: Smarter Defenses: Embedding AI into your fraud strategy  

• What are the key barriers to implementing machine learning models in fraud detection? What hurdles need to be overcome in implementation? 

• How is agentic and generative AI transforming institutional fraud responses by proactively identifying patterns?  

• How are leading firms automating their Suspicious Activity Report (SAR) drafting to save time and money? 

• How could Explainable AI (XAI) be used to increase model transparency?  

PANEL SESSION: Behind the Firewall: detecting and preventing insider threats in the age of hybrid work 

• How do you assess insider threat exposure in hybrid and remote work settings? 

• How do you embed AI, behavioural analytics and endpoint monitoring tools to detect early signs of insider threats without eroding trust? 

• How do you ensure that the workforce is well-educated about insider threats and are risk-aware?  

14.05 

Navigating PSD3 and DORA: Will the UK diverge or converge with EU regulation? 

• What do UK firms need to prepare for as Europe reshapes its financial crime directives? 

• Will the scrapping of PSD2 limits in the UK spark innovation or open new risks? 

• How do we manage compliance across borders amid fragmentation of legislation? 

• How are UK regulators positioning themselves: aligning with the EU, diverging strategically, or choosing a hybrid path? 

TAGS: Regulation 

Crypto, scams and decentralised deception: Are we too late to regulate? 

• Can regulators keep up with decentralised finance, Web3 wallets, and cross-chain laundering? 

• What consumer protections are possible without stifling blockchain innovation? 

• Should crypto exchanges be held liable for facilitating fraud through their platforms? 

• How do you mitigate the unknown risks of these new technologies?  

Romance, refund, and return scams: Are we underestimating consumer complicity? 

• Why are more and more consumers becoming active participants in refund and first-party fraud? 

• How should merchants and banks detect and respond to “friendly fraud” without alienating customers?  

• What metrics or approaches can assess whether interventions are genuinely helpful, rather than punitive or counterproductive? 

14.25 

BREAK 

Track B Afternoon 

The Data Hub 

Track C Afternoon 

Building Trust 

14.55 

Failure to Prevent Fraud: Preparing Your Defences Inside and Out 

• How should your firm be preparing for this new legislation? What fraud controls need to be in play before enforcement?  

• What strategies should you be implementing to prevent insider fraud? How are firms detecting and managing insider threats? 

• How are firms ensuring compliance across third-party service providers and any outsourcing arrangements? 

TAGS: Insider Threat, Regulation, Trust 

From checklist to real intelligence: Building seamless, real-time KYC 

• How can firms transition from static, periodic KYC to continuous, risk-based monitoring? 

• What strategies are firms implementing to prevent the rise of identity fraud and account takeover? 

• What is the role of behavioural analytics in dynamic identity and transaction validation? 

• What technologies, data partnerships, or integrations are required to make perpetual KYC a practical reality? 

Trust Without Friction: Meeting consumer duty in a high-risk fraud landscape 

• How can institutions balance protecting vulnerable consumers without creating friction that undermines trust and autonomy? 

• What controls can be put in place to prevent fraud without eroding the user experience? 

• How are firms adapting fraud prevention to meet FCA expectations under the Consumer Duty framework? 

15.15 

PANEL SESSION: The Global Sanctions Report: Adapting to a volatile international enforcement environment 

• How are changes in US policy influencing UK and EU sanctions strategy? How is this affecting business in the UK?  

• What are the operational challenges of inconsistent sanctions enforcement across jurisdictions and how do we address them? 

• How do you stay updated and understand the fast-moving changes in tariffs? 

• How do you ensure corporate transparency to battle bribery and corruption? 

TAGS: Sanctions, Bribery & Corruption, Trust 

PANEL SESSION: Future of Intelligence Sharing: are we sharing the right data? 

• How have firms broken down the silos between fraud and AML? How can these two teams work together to build a real-time customer profile? 

• What data ought to be shared both internally and externally? How do you ensure the quality of the data? 

• What are examples of best practice within data sharing? How are firms deciding  which collaboration initiatives is best for their business? 

• What public and private international collaborations need to happen to keep the UK market safe but make it more accessible?  

PANEL SESSION: The fake ID: Who is your customer? Can we trust them? 

• What new data points are necessary to create a well-informed customer profile? 

• With fraud-as-a-service platforms providing easy access to sophisticated fraud software, how are financial institutions tackling the issue of deep fakes, voice mimicry and the next generation of AI? 

• What have institutions implemented to minimise the risk of identity fraud on their platform? What are the red flags to look out for? 

16.00 

Reporting Burdens vs Strategic Impact: Modernising AML  

• What does a proactive approach to AML look like? What constitutes a good defense strategy to ensure compliance with the Economic Crime and Corporate Transparency act? 

• How are leading firms predicting risk across customer behaviour, transaction flows and third party exposure? 

• What technologies are being deployed to combat money laundering and muling? How has advanced transaction monitoring using AI become critical to assessing AML transaction monitoring? 

GDPR vs. safety: Finding the right balance in data sharing  

• How can firms balance privacy obligations with the need to share intelligence across borders? 

• Is there a viable model for real-time industry-wide alerts while remaining compliant? 

• Do we need a new framework for regulated private-to-private information exchange? 

• How has the Data Use and Access Bill made it easier to share data across the industry? 

Breaking the spell of scams: Ensuring consumers are educated and aware 

• What strategies have been most effective in consumer education, and which ones are now becoming outdated or ineffective? Where should you invest? 

• Are financial institutions responsible for changing consumer attitudes toward fraud complicity? How can we incentivise the public to make well-informed decisions? 

• Should public education campaigns be led by the private sector or government? 

16.20 

PANEL SESSION: Across Borders: How can the UK promote security without compromising accessibility? 

• What infrastructure is required to support safe, seamless customer onboarding from overseas? 

• How can financial institutions harmonise KYC and AML practices across jurisdictions while still maintaining a high standard of compliance? 

• How do you detect and prevent money laundering, as mule networks remain a huge issue? 

• What role should banks and fintechs play in building end-to-end cross-border traceability? 

PANEL SESSION: The UK’s Digital ID Dilemma: Promise, pitfalls and possibilities 

• Why doesn’t the UK have a digital identity yet? Do the benefits of a national digital ID outweigh the risks of it becoming a new vector for threats? What are the potential risks of implementation? 

• How could digital be integrated into the existing infrastructure? 

• Will the UK’s new company ID rules help or hinder fraud prevention? 

• What could the implementation of digital ID look like for private institutions? 

17.05 

End of Conference