Carmen Araiza

Carmen Araiza is a fraud industry leader with over 20 years in financial services combatting fraud with a specialty in payment and application fraud via digital channels. Carmen currently heads the Fraud Operations team at First Republic, now part of JP Morgan, responsible for enterprise fraud detection and prevention. Previously also held roles leading or supporting internal, debit card, and deposit fraud. Carmen has successfully built new fraud teams and credit her success in combating fraud from staying informed on threats and taking a proactive approach to limit vulnerabilities, building a strong network, and having a deep understanding of bad actor methodologies used in account take-over, first party fraud, application fraud, social engineering, and the many flavors of scams.