2026 ProSight State of Fraud Prevention Survey

2. 2. Which of the following best describes your role? (Please select one.) *This question is required.

• Chief executive officer or equivalent
• Chief compliance officer or equivalent
• Senior compliance executive (e.g., EVP, SVP)
• Compliance executive (e.g., VP, director)
• Fraud investigator / analyst
• Fraud, security, cybersecurity management executive
• BSA/AML officer
• Chief risk officer or equivalent
• Senior risk management executive (e.g., EVP, SVP)
• Risk management executive (e.g., VP, director)
• Chief information security officer
• Information technology executive
• Chief operating officer
• Senior operations executive
• Head of a line of business (e.g., divisional CEO, EVP, SVP)
• Senior line of business executive (e.g., VP, director)
• Chief financial officer or equivalent
• Senior corporate finance executive (e.g., EVP, SVP)
• Office of legal counsel
• Other (please specify): Please enter an 'other' value for this selection.

3. 3. What is the size of your financial institution (in assets, USD)? (Please select one.) *This question is required.

• Less than $10 billon
• $10 billion-$25 billon
• $25 billion-$50 billion
• $50 billion-$100 billion
• $100 billion-$250 billion
• $250 billion-$500 billion
• $500 billion-$1 trillion
• More than $1 trillion

4. 4. Which of the following entities is your primary regulator? (Please select one.) *This question is required.

• Federal Deposit Insurance Corporation (FDIC)
• U.S. Federal Reserve
• Office of the Comptroller of the Currency (OCC)
• National Credit Union Administration (NCUA)
• Office of the Superintendent of Financial Institutions (OSFI)
• State agency
• Other (please specify): Please enter an 'other' value for this selection.

5. 5. What is the scope of your institution's geographic footprint? (Please select one.) *This question is required.

• Single state
• Multi-state, but not regional (e.g., NJ and NY, but not the entire Northeast)
• Regional (e.g., Northeast, Middle Atlantic, Southeast, etc.)
• Super-regional (e.g., multiple U.S. regions, but not national)
• National
• Global

6. 6. What are your institution’s top fraud prevention priorities over the next 12–24 months? (Please select your top three.) *This question is required.

• Compliance costs
• Improve customer experience and trust
• Break down data silos to enable faster, more accurate detection
• Strengthening third-party, vendor, and fintech partner compliance oversight
• Expand real-time transaction monitoring and analysis
• Reduce scam / APP losses
• Improve fraud dispute management
• Improve vendor stack / modernization
• Improve onboarding / identity controls
• Expand AI / advanced analytics
• Reduce false positives / customer friction
• Strengthen consortium / intelligence sharing
• Improve staffing and operations
• Improve real-time payments controls

7. 7. Which function has primary ownership for fraud prevention strategy at your institution? (Please select one.)

• Fraud
• Risk
• Operations
• Compliance
• Cybersecurity
• Line of business
• Shared / committee model
• Other (please specify): Please enter an 'other' value for this selection.
• Unsure

8. 8. Which of the following best describes your primary fraud detection approach? (Please select one.)

• Advanced analytics / machine learning
• Rules-based monitoring
• Hybrid (analytics and rules)
• Largely manual review
• Unsure

9. 9. Which of the following types of fraud create the greatest loss exposure at your institution today? (Please select your top three.)

• First-party fraud
• Debit card fraud
• New account/ onboarding/ synthetic identity fraud
• Loan/credit fraud
• Authorized push payment (APP) scams/social engineering
• Family fraud
• Wire fraud
• Mortgage fraud
• Mule fraud
• Credit card fraud
• Insider fraud
• Real-time payments fraud (RTP, Zelle, FedNow)
• Account takeover (ATO)
• Check fraud (counterfeit, altered, washed, etc.)

10. 10. Over the past 12 months, how has fraud volume affecting your institution changed? (Please select one.)

• Increased substantially
• Increased somewhat
• Stayed about the same
• Decreased somewhat
• Decreased substantially
• Unsure

11. 11. Which of the following fraud types are growing fastest at your institution? (Please select your top three.)

• New account/ onboarding/ synthetic identity fraud
• Wire fraud
• Loan/credit fraud
• Authorized push payment (APP) scams/social engineering
• First-party fraud
• Insider fraud
• Account takeover (ATO)
• Debit card fraud
• Mule fraud
• Real-time payments fraud (RTP, Zelle, FedNow)
• Credit card fraud
• Mortgage fraud
• Family fraud
• Check fraud (counterfeit, altered, washed)