Regulators and card brands are intensifying scrutiny on online marketplaces, exposing platforms to growing and often unseen risks. Many of these risks are already embedded—leaving a critical question: can you identify them before regulators or card networks do, or will the first signal be a costly penalty, enforcement action, or reputational damage? This session explores current card brand enforcement priorities, how to detect emerging risks before they escalate, and the tactics sellers use to obscure non-compliant activity—such as “research use only” disclaimers, euphemistic language, and product bundling—while also examining how regional differences shape risk exposure. Attendees will leave with a sharper ability to uncover hidden threats and better protect their marketplace from regulatory and financial consequences.

New account fraud is often the starting point for larger attacks across marketplace ecosystems. Fraudsters increasingly use bots and synthetic or stolen identities to create fake buyer and seller accounts, enabling account takeover and downstream abuse that targets high-value seller accounts, payment methods, promotions, loyalty balances, and payouts—putting revenue, trust, and reputation at risk. This session brings together fraud prevention leaders to explore how new account fraud, account takeover, credential stuffing, and bot-driven abuse are evolving across the account lifecycle, and how marketplaces can assess risk early and continuously using device intelligence, behavioral signals, and other tools. Attendees will gain practical strategies to stop fraudulent accounts early, reduce takeover risk, and maintain a fast, low-friction user experience that supports growth.

Marketplaces face some of the most sophisticated fraud in the ecosystem, and the landscape has shifted rapidly as GenAI makes high-quality fake IDs, selfies, and synthetic personas cheap and scalable—undermining many of the assumptions manual review was built on. What were once edge cases are now common, and reviewers are increasingly required to interpret 50+ signals across device, behavior, identity, and network context in real time. This session shares proprietary fraud vectors observed across marketplaces today and how they translate into high-impact signals, while also exploring how teams like Etsy are moving toward a signals-based approach to operationalize these inputs, improve consistency, scale decisioning, and redefine the role of human review.

As the digital landscape evolves, marketplaces face increasingly sophisticated AI-powered seller fraud, from generative identity fabrication to synthetic seller networks, agentic account takeover, and automated KYB bypass at scale. The attackers are no longer humans with scripts. They're AI systems probing platforms faster than legacy defenses can react. In this session, we will explore how purpose-built AI agents transform defensive strategies by moving beyond static rules and isolated signals to expose the coordinated, machine-speed attacks that legacy systems miss. Attendees will walk away with a tactical framework for leveraging agentic investigation, device intelligence, behavioral biometrics, and connection graph analysis to proactively stop AI-driven fraud and protect platform integrity without introducing friction for legitimate sellers.

Building a scalable marketplace is a massive undertaking, but securing it is an equally complex operational challenge. As industrialized fraud reaches unprecedented levels, identity verification has evolved from a reactive compliance checkbox into a core product strategy that determines whether a platform can truly scale safely. In this session, Raul Liive (Director of Product for Marketplaces, Veriff) and Garrett Olson (Head of Insurance & Enterprise Risk, Wolt), offer a pragmatic look at the identity lifecycle within dual-sided ecosystems. Moving beyond basic document checks to examine how high-assurance continuous trust tools can be strategically deployed to secure interactions between users – whether buyers and sellers, drivers and riders, or lenders and borrowers. Attendees will gain a clear understanding of how to manage enterprise liability and insurance risk without compromising user acquisition required for platform growth.