As fraud executives race to modernize their control frameworks to accommodate real-time payment solutions, most have discovered the hard part isn't the shift from batch to real-time, it's that identity has become the control point. When funds move irreversibly in seconds, the question is both "is this transaction risky?" and "do we actually know who is behind it, right now?" That puts authentication signals, device and behavioral intelligence, and historical identity context on the critical path of every payment decision. This panel will explore how institutions are using orchestration to connect those signals into a single real-time decision, what breaks when authentication and payment fraud controls stay in separate systems, and the practical lessons from teams who have rebuilt the layer in between.