VP, Head of Fraud Prevention
The Clearing House
Kyle Caldwell serves as Vice President, Head of Fraud Prevention at The Clearing House, where he leads enterprise efforts to define and execute the strategic vision for fraud prevention across the payments network. Known for his ability to connect strategy with execution, Kyle works across business, technology, and risk teams to deliver forward-thinking solutions that strengthen the industry’s defenses against financial crime.
Prior to joining The Clearing House, Kyle spent nine years at a large regional bank, where he held multiple leadership roles across fraud strategy, operations, and product development. He also gained valuable experience shaping fraud solutions on a broader scale during his time at fintechs, helping financial institutions address evolving threats through identity, analytics, and biometric technologies.
Kyle brings an end-to-end perspective to combating fraud, shaped by years on the front lines and sharpened by strategic leadership roles. His approach blends operational empathy with product innovation—ensuring solutions are not only cutting-edge, but also grounded in real-world impact.
A recognized industry leader, Kyle is frequently invited to speak at conferences, roundtables, and executive forums. His work reflects a deep commitment to advancing collective progress in fraud prevention and fostering a more secure, resilient financial ecosystem.
Fraudsters are advancing faster than traditional defenses can adapt—leveraging AI, exploiting real-time rails, and capitalizing on consumer expectations for instant, frictionless payments. Meanwhile, real-time payments (RTP) present the lowest recoverability of any fraud channel, intensifying the stakes for providers, banks, and merchants. Consumers now expect not only seamless user experiences but also full protection and reimbursement—even in cases of authorized fraud. The pressure is mounting: Juniper Research estimates that online payments fraud will cost companies more than $362 billion between 2023 and 2028.
This panel explores how organizations can modernize their fraud management frameworks and take a proactive approach by orchestrating identity verification, risk scoring, and behavioral insights across every stage of the customer journey. Leaders will examine how to integrate reputational data to identify and reduce first-party fraud; how to design AI-based fraud models tailored to specific products, channels, and typologies; and how to expand KYC and due-diligence disciplines across the broader payments ecosystem. Panelists will discuss how to balance fraud losses, customer experience, and revenue/risk appetite to create a cohesive, resilient, multi-layered defense strategy for the real-time era.