Fraud in the Fast Lane: Defending ACH and Merchant Payments in Real Time

From account takeover and synthetic identity fraud to debit manipulation and business email compromise, the threats are sophisticated, aggressive, and expensive. This session will explore the latest fraud trends targeting merchant transactions, and how emerging technologies like AI, machine learning, and federated identity systems are transforming fraud detection and prevention. Attendees will gain insights into multi-layered defense strategies including real-time transaction monitoring, tokenization, Positive Pay for ACH, and advanced KYC/KYB protocols. Speakers highlight collaborative approaches between merchants and payment partners to build resilient fraud ecosystems and share real-world examples of how proactive prevention can protect not just dollars, but customer trust and brand reputation. Whether you're a merchant, payment processor, or financial institution, this session will equip you with actionable strategies to stay ahead of fraud in real time.