From silos to strategy

As one of the largest banks in the U.S., Wells Fargo continues to invest in building a secure, scalable digital banking experience for millions of customers. With more than 33 million active mobile users, the bank is focused on ensuring fraud risk management evolves alongside digital adoption while supporting continued innovation.

This case study explores how Wells Fargo brought together fraud and digital leaders to strengthen risk management through a more connected, signal-based approach. By incorporating additional behavioral intelligence alongside existing controls, Wells Fargo enhanced risk visibility, supported more informed decisions, and helped enable secure digital growth.

Key highlights

• Supporting digital banking at scale: See how Wells Fargo evolved its fraud strategy to protect more than 33 million active mobile users by adding behavioral intelligence to its existing risk framework.
• Cross-functional collaboration: Learn how fraud and digital leaders aligned around shared goals of security, customer experience, and sustainable business growth.
• Building a layered signal architecture: Discover how behavioral intelligence complemented existing fraud controls to provide richer context for fraud and scam detection.
• Balancing protection with experience: Explore how Wells Fargo strengthened fraud detection while reducing unnecessary customer friction and operational burden.