Why fraud, identity and onboarding now define lender economics.
Customer acquisition does not matter if the borrower is fake, manipulated or too risky to serve. This panel explores how lenders are responding to synthetic identity, income and document fraud, evolving verification tools, and the growing legal and regulatory expectations around identity, onboarding and fraud prevention. Faster onboarding has improved access to credit, but it has also compressed the time lenders have to establish who is applying and whether the application is genuine. Fraud losses are only part of the cost. Excessive checks can drive away legitimate borrowers, while weak checks can distort acquisition results and contaminate a portfolio before losses appear. This panel explores how lenders assess identity, documents and behaviour together, respond to synthetic and coordinated fraud, and decide where added friction is justified. It will consider how evidence can be shared and acted on within legal and regulatory limits.
Speakers
Andrew Sigfrid
Sr. Director, Fraud
Amit Sadhu
SVP Credit & Fraud Management
Mathieu Laplante-Goulet
Senior Lawyer
Urooj Khan
Senior Director, Risk & Compliance