Roughly 15 years have passed since industrial-scale account takeover (ATO) attacks emerged as the most significant threat to the burgeoning frontiers of digital banking. The market has evolved since those early days, but account takeovers remain an enormous challenge. Still, state of the art of ATO detection has never been more sophisticated, nor has there been a greater range of solutions to help fraud executives tackle this persistent threat. This panel will examine the latest trends in attack patterns, investment priorities, and leading practices for managing the perennially thorny problem of ATO.