Diarmuid Thoma

Jennifer Pitt, senior fraud analyst who investigates account takeover patterns, and Diarmuid Thoma, head of fraud and data science building identity-driven defenses. They discuss shifting fraud controls upstream, spotting account-takeover signals before payments, running pre-authorization checks to preserve speed, the expanding digital identity perimeter, and the value of cross-industry data consortiums.

Diarmuid Thoma, Head of fraud and data strategy at AtData, discusses the importance of email data in fraud prevention. He highlights the extensive email database they have built and how email is the most consistent fraud predictor. Other topics include the use of AI/ML in fraud models, their recent white paper on balancing customer experience and fraud prevention, and the increasing presence of high risk domains in email addresses.