Madhan RA

Madhan RA

Vice President, Fraud Risk Modeling

About

Madhan is Head of Global Fraud Risk Modeling at American Express and has 15 years of experience building AI and machine learning models across credit and fraud risk, helping prevent fraud and enhance the customer experience.

The session, "Fraud Risk Management in the Age of AI," will discuss how fraud has evolved from traditional card theft and account compromise to sophisticated, AI-enabled attacks, and how fraud detection capabilities have evolved in parallel—from rules-based systems to advanced machine learning and Generative AI-powered solutions.

The presentation will cover:

  • The changing fraud landscape and emerging AI-driven threats.
  • American Express' approach to layered AI defenses for fraud prevention.
  • Illustrative examples of how Generative AI is being used to enhance merchant risk assessment and customer servicing.
  • The role of AI in improving fraud detection accuracy, reducing customer friction, and enabling faster decision-making.
  • Future considerations for Agentic AI and the evolving relationship between AI agents, customer trust, and fraud prevention.
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