Fraud Prevention: A Shared Responsibility – Romanian Perspective
Radu Stancu (National Bank of Romania)
Effective fraud prevention requires more than reactive measures. Drawing on the Romanian payments ecosystem, this case study explores how continuous market monitoring, stakeholder engagement, and feedback collection can inform timely and proportionate action. It highlights the role of cooperation between authorities and industry participants in shaping prevention strategies and supporting resilience, while contributing to the evolving European regulatory framework.


Beyond Borders: Making Sense of Global Operational Resilience Rules
John de Freitas (ACA Aponix)
This fireside chat with John de Freitas of ACA Aponix explores operational resilience and compliance as a genuinely global challenge, spanning UK, EU, US and international regulatory regimes. It covers what proportionate compliance looks like for institutions of every size, from UK building societies and community banks to large multinational banks, how supplier and third party risk should be managed, and how banks can balance compliance spend against customer facing investment, alongside emerging issues such as AI risk.


UK vs EU: Does More Prescription Mean More Resilience?
Alexis Car (Raiffeisen Bank International AG), Lu Zurawski (ex-PSR (UK)), Sarah Garrington (Royal London Group)
This panel examines the different paths the UK and EU have taken to strengthen how banks withstand and recover from shocks. The UK's approach is more outcomes focused, giving firms flexibility in deciding how they meet expectations, while the EU's DORA framework is more prescriptive, setting out precisely what firms must do. The panel debates whether greater regulatory prescription actually makes financial institutions more resilient, or whether it simply pushes organisations towards demonstrating compliance on paper rather than building genuine operational readiness, and what that trade off means for cost, speed and customer outcomes.