Returns fraud has changed shape. What used to be a cost of doing business is now a strategic threat: $103 billion in fraudulent returns and claims in 2024, organized rings, AI-accelerated, growing in subcategories like abusive returns at 64% in sixteen months. The tactical responses retailers reach for (tighten policies, inspect more, push the cost to vendors) punish honest customers without slowing the rings. This session reframes the problem the way TSA reframes airport security: the goal is not to eliminate threats. It is to let people fly safely. For retail, that means letting the 98% of honest customers buy and return with confidence while still catching what gets through. Andy Ruben, CEO of Clarity, opens with a live demonstration that has to be seen to be understood. A practitioner conversation follows with senior risk leaders on what the integrated, risk-tiered response looks like in the field.

As marketplaces navigate new regulations and threats, compliance must empower rather than hinder growth. This session reveals how top platforms embed seamless payments and advanced compliance, including KYC/KYB, real-time monitoring, sanctions screening, and continuous risk scoring, without sacrificing customer experience or conversion. Panelists share practical strategies for building bank-grade tech stacks with API-first integrations, balancing robust controls and frictionless onboarding. Discover how to anticipate and mitigate emerging risks, avoid common pitfalls, and leverage global expertise in embedded solutions to accelerate onboarding, reduce losses, and protect revenue in a fast-changing regulatory landscape.

From Zero to Sixty in Thirty Days - Learn how the Trust & Safety Lead at a new social media platform was the final member to join a lean operations team before the website went public, drafting site policy, content moderation rules, and more on an unpredictable deadline. With an international parent company acustomed to significantly different risk tolerance, a learning curve with mandatory AI tools, and a personal shift from being fully remote to working out of an office five days a week, you certain to take away learnings from this real-life case study.

Consumers lost $16 billion to fraud in 2024. The Industry Accord Against Online Scams and Fraud, signed in March 2026 by Google, Meta, Amazon, Microsoft, and OpenAI, finally acknowledged what front-line operators have known for years: nobody solves this alone. But voluntary accords have limits. AI is driving down the cost of fraud dramatically while raising the sophistication of every attack vector. Payment rails, crypto infrastructure, and marketplace platforms are all exposed. This panel brings together the operators actually building the defenses, across fintech, cybersecurity, payments, and AI infrastructure, to examine where the real gaps are, and who can close them.

Contractual Liability Insurance Policies (CLIPs) are reshaping how companies manage risk within guarantees, warranties, and service commitments. This session explores how CLIPs transfer a company’s contractual obligations—backing refunds, reimbursements, and performance guarantees across industries from software to peer‑to‑peer platforms. Using real examples like Airbnb’s host guarantee evolving into a regulated insurance obligation, attendees will learn how CLIPs provide financial security, regulatory compliance, and customer trust. Participants will leave understanding where CLIPs fit in modern risk management and how to leverage them to enhance product offerings and mitigate exposure.