As banks and fintech’s double down on digital onboarding, application fraud remains a persistent and costly threat. Despite widespread adoption of ID verification tools, criminals continue to exploit gaps across data sources, decisioning, and governance. This panel brings together fraud leaders and technology innovators to dissect where defenses fall short and what practical strategies are emerging to tackle first-party and synthetic fraud at the front door. Attendees will gain fresh insight into evolving attack vectors, balancing friction and risk, and how leading institutions are connecting fraud, credit risk, and compliance teams to close this critical gap.