The use of ID verification, artificial intelligence, and background checks is being challenged by novel legal theories. This session explores the claims putting vendors, users, and marketplaces at risk, and how to mitigate those challenges.

Roger Kaiser is a seasoned trust and safety expert with deep experience in scaling and transforming T&S teams, frameworks, and policies. He will share insights with the audience, discussing his approach to help leverage trust as a crucial business driver, as well as methods for scaling and evolving these operations.

Digital commerce platforms are built to move fast, but that same speed allows fraudulent and deceptive actors to scale alongside legitimate growth. The fix isn't more friction everywhere. It is friction placed with intent: Checkpoints calibrated to risk that stop bad actors without creating unnecessary barriers for everyone else. Kate McTavish, program manager of digital commerce risk at G2 Risk Solutions, and Virgilia Pruthi, Senior Director of Marketplace Trust and Safety, at Expedia, will apply this principle across the full account lifecycle, from identity and business verification at onboarding through ongoing controls that extend beyond the point of approval. Using the challenge of keeping fraudulent advertisers off ad platforms as a working example, they'll break down the signals that separate legitimate actors from bad ones. They'll also cover what it takes to protect platform integrity without punishing good customers, and why coordinated controls between platforms and risk partners close the gaps bad actors rely on. Attendees will leave with actionable insight into layering risk controls across the account lifecycle. Key takeaways: - Map friction to risk: Structure onboarding verification around the signals that matter most rather than applying uniform scrutiny across all accounts - Build for evasion: Design coordinated controls, so platform and risk partners work in concert across the full risk surface - Think beyond onboarding: Extend your verification framework to account for actors who clear initial review and later attempt to circumvent program requirements

As user fraud grows more sophisticated, marketplaces and platforms need smarter, more dynamic ways to manage risk. Vaishnavi J (Founder, Vys; ex-Meta, Twitter), Brittany Allen (Head of Trust and Safety, Club; formerly Etsy, Airbnb), and Cathy Chang (Product Manager, Persona) will cover: - Why age-appropriate segmentation matters, and how poorly designed age assurance protections can become weak points for bad actors. - How teams can turn identity and age signals into a better user experience, not just a compliance gate, when applied and orchestrated well. - How policies, including those for age and risk, should evolve with the user over time, not just at signup, as regulations, technology, and user maturity change.

As AI becomes embedded in hiring, worker management, fraud detection, customer interactions, and platform operations, transparency obligations are expanding well beyond the traditional privacy notice. Regulators increasingly expect companies to disclose when AI is being used, explain how automated decisions affect individuals, and provide meaningful avenues for review and accountability. This session will explore emerging transparency requirements under the EU AI Act, GDPR, California privacy law, and FTC enforcement priorities, with a practical focus on marketplace, platform, and gig economy businesses. Panelists will discuss AI-generated content and chatbot disclosures, automated decision-making requirements, algorithmic management, and the growing expectation that companies be able to explain and defend AI-driven decisions. Attendees will leave with strategies for building a unified transparency framework that addresses AI, privacy, employment, consumer protection, and litigation risk while supporting responsible innovation.