The financial services landscape has reached a critical turning point. AI-generated scams have evolved from theoretical risks to operational realities, while first-party fraud and deepfake attacks are reshaping the threat landscape. As regulators increase their scrutiny of fraud models and market consolidation accelerates, the traditional boundaries between cybersecurity and fraud prevention are dissolving. The industry needs a new approach – and fast.

Drawing insights from Sardine's work with tier 1 banks, fintechs, and industry veterans, we explore:

• Why 2025 is the turning point in fighting back against financial crime
• How AI agents are transforming risk operations as alerts skyrocket 800%
• Why cross-sector data sharing is reaching critical mass, with one tier 1 bank preventing 42% of wire fraud through Sardine's Sonar consortium
• The convergence of fraud and compliance teams for unified defense
• Why digital commerce is rewriting its security playbook

Gain exclusive perspectives from leaders at Paylocity, Cartomancy Labs, StrategyBrix, and Sardine's stable of experts. This report provides an actionable roadmap for building more resilient fraud and AML defenses and staying ahead in an increasingly complex threat landscape.

Download now and prepare for the challenges ahead.