EVP, Head of Fraud and Claims
Citizens Bank
Jen Martin is an accomplished executive in fraud prevention, bringing over 25 years of expertise spanning criminal justice, banking, and anti-fraud initiatives. She has established and managed high-performing fraud programs, introduced advanced detection technologies, and formulated policies to address emerging threats. Her comprehensive background includes regulatory compliance, analytics, risk management, and security. Jen has played a vital role in protecting organizations from significant financial and reputational losses due to fraud, with particular emphasis on consumer education.
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.