A converged operations center that addresses the impact of fraud in parallel with other business processes, IT transformation, and cyber risk will likely be the most effective use of limited resources. Organizational siloes must be eliminated to create an integrated capability that spans across identity & access management, credit & underwriting, and customer experience. The employees and partners in these integrated teams will need updated cross-functional skill sets. Newly created business processes will rely on integrated orchestration & automation platforms, supported by data-driven analytics and artificial intelligence solutions. These new business risks analysts will need to be agile and responsive to keep up with the pace of events created by new threats and automation. Most organizations should expect to encounter targeted malware, ransomware, bots designed for credential stuffing. Brand equity and reputational integrity will be put at risk by bad actors using spoofed social media accounts, misleading images included in deep fake videos as well as ad fraud. Addressing threats such as client accounts takeovers, impersonating trusted partners, exploiting weaknesses in applications/network resources to gain unauthorized access to data/computing resources/financial vehicles, or manipulating authentication mechanisms to disrupt mission-critical business processes must now be addressed proactively by the Board of Directors and C-suite level. Risk Neutral has certified fraud examiners on staff to provide guidance and thought leadership on how to address these emerging risks most effectively.