Industry leader with over 18 years in the financial industry combatting digital channel fraud and electronic payment fraud. Carmen has built successful digital fraud teams from scratch, with and without robust tools to facilitate real-time fraud detection. Carmen’s success in combating fraud is from staying informed on threats and taking a proactive approach to limit vulnerabilities, working with peers in fraud across the globe, and having a deep understanding of bad actors methods used to carry out fraud under the umbrella of account take-over, first party fraud, application fraud, and the many flavors of scams.