The Human Side of Fraud: Designing Fraud Education for the Digital Age by Amanda Estiverne-Colas
Scams today don’t just exploit systems — they exploit people.
They prey on how our brains are wired: our trust instincts, social biases, and decision-making shortcuts. APP fraud, romance scams, and AI-powered impersonation attacks succeed not because customers are careless, but because fraudsters are masterful at manipulating human behavior.
In this session, we will explore why a deep understanding of the human side of fraud is essential for designing effective consumer education — and why banks must elevate fraud education from a back-office compliance task to a core part of their public risk strategy.
In this session, I’ll explore why a deep understanding of the human side of fraud is essential for designing effective consumer education — and why banks must elevate fraud education from a back-office compliance task to a core part of their public risk strategy.
We’ll discuss:
• The cognitive psychology behind common scam types and what banks can do to counter them.
• How to leverage digital tools and public channels (social, in-app, web) to deliver education that resonates and protects.
• Real-world examples of banks using proactive messaging and behavioral design to outsmart scammers.
• How to ensure fraud education reaches underserved and vulnerable communities — who are often the most targeted.
Sex Trafficking by Christopher S. Kenefick
AI Now and Next: Understanding the Impact and Opportunity by Holly Shipley
AI is transforming industries and many aspects of everyday life. This technology will become increasingly pervasive. You will encounter it more and more and knowing how to use it effectively is an invaluable skill but knowing when to use AI will be essential. In this session, Holly will build on the foundational work of last year’s session and provide insights on the evolution of generative AI, offer deeper clarity into its potential risks and opportunities, demonstrate how AI is affecting AML now as well as how it may affect practices going forward, and provide a larger context for the future role of AI. The goal of this session is to equip the audience with the knowledge and confidence needed to explore the world of generative AI, understand its potential, and make informed decisions about how and when it is used.
The Truth About Trafficking in the U.S.” by Christopher S. Kenefick
Human trafficking remains one of the most pervasive yet misunderstood crimes in the United States. This session will shed light on the hidden truths of trafficking, with a particular focus on the often-overlooked world of labor trafficking and the staggering number of cases that go unreported. Attendees will gain insight into statistical data on modern-day slavery, examine how media narratives shape public perception, and unpack the common misconceptions that hinder awareness and prevention. Through evidence-based discussion and real-world context, this presentation will challenge prevailing myths, highlight complex realities of trafficking in our communities and red flags that financial institutions can follow for identification, as well as inspire a deeper understanding of how we can collectively respond to this pressing human rights issue.
The Compliance Gap: Managing Risk Amid a Dismantled Regulatory Environment by Yesenia Mendez
As oversight wanes, compliance professionals face rising risks with fewer resources and less leadership focus. This session highlights shared challenges and delivers strategies to stay resilient and sustain credible programs.