1、Defend Against Authorized Transfer Scams How Financial Institutions Can Transform An Epidemic Into An Opportunity A FORRESTER CONSULTING THOUGHT LEADERSHIP PAPER COMMISSIONED BY LEXISNEXIS RISK SOLUTIONS,JANUARY 2024ABOUT FORRESTER CONSULTINGForrester provides independent and objective research-base

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4、demark of RELX Inc.E-53575Project Team:Rachel Baum,Market Impact ConsultantEmily Stutzman,Associate Market Impact ConsultantContributing Research:Forresters Security&Risk research groupTable Of Contents3 Executive Summary4 Key Findings5 Fraud Risk And Mitigation Strategy Leaders Contend With More So

5、phisticated Scams10 With High Customer Expectations And Lagging Solutions,Financial Institutions Face An Uphill Battle15 Develop A Multilayered Approach To Scam Detection And Mitigation 19 Key Recommendations20 AppendixDEFEND AGAINST AUTHORIZED TRANSFER SCAMS 2Executive SummaryScams,fraud,and financ

6、ial vulnerability are on the rise.At the same time,consumers increasingly expect safer and more secure interactions and transactions(i.e.,experiences)and sometimes,even compensation if they fall for a scam.1 Authorized transfer scams,which occur when a fraudulent party manipulates or deceives an aut