Digital platforms operate in high-velocity, multi-sided environments where fraud is no longer isolated. Traditional controls like static device fingerprinting, OTPs, and one-time identity checks are under pressure from tactics such as: - Emulator and virtual-device networks - Location spoofing and environment manipulation - Multi-account coordination - Incentive abuse at scale - Fraud-as-a-service ecosystems As AI makes it easier to simulate purely digital signals, platforms face a critical question: which signals still hold up in real-world investigations? This panel explores how teams are combining investigative expertise with signals grounded in real-world behavior to identify coordinated abuse, connect accounts to real actors, and surface risk earlier in the user journey.

Metrics will only tell you part of the story. True leading edge detection and monitoring goes beyond the dashboard, blending art and science. Alerts must combine with intuition, business knowledge must mesh with hard earned experience, and findings must become solutions. Responding to incidents can’t just be firefighting, but needs to be a continuous improvement model, constantly pushing your organization forward.

Every refund and payout is a moment of truth for your marketplace. It's also where fraud concentrates, disputes escalate, and seller trust erodes — often because platforms still rely on portals, checks, and manual workflows that were never built for the speed sellers and consumers expect today. In this session, a marketplace platform founder and a payments leader join forces to show how direct-to-seller, mobile-first payment experiences can transform your biggest operational liability into a competitive advantage. You'll walk away with a practical framework for reducing fraud vectors, closing compliance gaps, accelerating refunds, and building the kind of payment trust that keeps sellers engaged and consumers coming back. You'll learn (and experience live): - Why the payout moment is your highest-risk fraud and dispute surface - How direct-to-phone refunds and payment requests reduce chargebacks and manual intervention - What "mobile-first" payments actually mean for auditability and compliance - Real examples of speed and trust improvements from live marketplace deployments

The next evolution in marketplace trust isn't just better detection, it's AI agents that reason about risk, negotiate remediation, and autonomously enforce with explainability. This session explores the shift from traditional ML pattern matching to agentic AI systems that understand context, predict seller behavior, and orchestrate evidence-based resolution pathways. Drawing from pioneering work integrating generative AI with enforcement at scale, you'll learn how platforms are building autonomous trust agents that reduce false positives through reasoning, handle appeal processes with human-like judgment, and satisfy emerging AI governance requirements like the EU AI Act, while maintaining the speed and scale modern marketplaces demand.

The regulatory playbook for marketplaces is rapidly evolving amid coordinated action by state attorneys general, heightened consumer-protection enforcement, and shifting federal priorities. This session delivers practical guidance for managing compliance, enforcement, and reputational risk in a fragmented regulatory environment where UDAAP scrutiny, transparency expectations, complaints monitoring, product review governance, and Know Your Seller diligence remain central. Attendees will explore lessons from recent FTC enforcement and emerging state initiatives, while gaining actionable frameworks for deploying AI-driven monitoring and risk detection responsibly—strengthening oversight, preserving consumer trust, and avoiding new regulatory exposure as requirements continue to evolve.