A Sleuth’s Guide to AML and Fraud

Modern identity verification and fraud prevention is no longer just about checking a piece of government ID; it is an investigative process that requires the intuition of a digital sleuth. In this session from the Canadian Lenders Association, Anne-Marie Kelly of Paays and a panel of experts reveal that the most dangerous fraudulent patterns are often hidden in the smallest details, such as inconsistent metadata or the specific ways an applicant interacts with a digital form. A fascinating insight from the video highlights that today’s “sleuths” must look beyond the face of a document to analyze the digital footprint left behind by synthetic identities and sophisticated deepfakes.

As criminals leverage automation to scale their attacks, the technical landscape of modern identity verification and fraud prevention must pivot toward multi-layered intelligence. This involves integrating document authentication with behavioral biometrics and third-party data validation to create a comprehensive risk profile. The session emphasizes that for Canadian lenders, the goal of modern identity verification and fraud prevention is to build a “trust engine” that can identify a legitimate customer in seconds while simultaneously flagging the subtle red flags that indicate a high-risk application.

By adopting an investigative mindset, organizations can transform modern identity verification and fraud prevention from a regulatory hurdle into a competitive advantage. This session provides the tactical knowledge required to outmaneuver fraud rings and protect the integrity of financial systems in an increasingly digital world.

• The transition from manual document review to automated, data-driven sleuthing techniques.
• How to detect synthetic identities by cross-referencing disparate digital data points.
• The role of friction in the user journey as a tool for flushing out automated fraud bots.

Watch the full video above to gain the investigative tools needed to master modern identity verification and fraud prevention in your organization.