Delivering a compelling client experience has always been a top priority for banks, but digital transformation has amplified market forces that pressure banks to differentiate themselves from their peers and optimize enrollments. Digital transformation also made environmental conditions for new-account fraud challenging enough prior to the pandemic, but the significant increase in digital newbie clients and the relentless rate of new attacks are driving fraud executives to seek ways to balance client experience and enrollment quality with a reduction of new-account fraud. This panel will showcase how digital identity helps mitigate new-account fraud by focusing on activity when an account is established as well as on behavioral indicators and patterns that enable practitioners to interdict new-account fraud more accurately and effectively.