06 October 2026
,
Riyadh

FraudSense Saudi Arabia 2026

Saudi Arabia's dedicated event on fraud, identity, and trust in the AI era

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The New Frontlines of Fraud, Identity, and Trust
Saudi Arabia's rapid expansion of AI, instant payments, digital identity, and embedded finance is reshaping the Kingdom's fraud landscape. AI-generated scams, synthetic identities, deepfake impersonation, and adversarial Arabic-language fraud operations are creating new pressure across the Kingdom's financial and digital commerce ecosystem.

At the same time, institutions are deploying AI-driven models for detection, investigation, orchestration, and response, while SAMA's evolving Counter-Fraud Framework continues to raise the operational baseline for the sector. Fraud prevention is becoming a cross-functional response operating at the intersection of identity, trust, and customer protection.

Hosted in Riyadh, FraudSense Saudi Arabia convenes senior leaders across banking, fintech, payments, and digital commerce who are tackling fraud, identity, and trust in the AI era. The summit examines how institutions are rebuilding operating models, deploying AI-driven defence as adversarial AI scales against them, and protecting the customer trust the Kingdom's digital economy is built on.

Why FraudSense, why now
0 %
rise in AI-powered financial scams in Saudi Arabia
0 %
of consumers in KSA have experienced scams
14.6 B+
annual electronic payment transactions in KSA
0 %
of financial phishing attacks target e-commerce
Who will be there
A cross-functional room of senior leaders tackling fraud, identity, and trust across Saudi Arabia's financial and digital commerce ecosystem.
ROLES

Chief Risk Officers
Chief Compliance Officers
Heads of Fraud & Financial Crime
Heads of Fraud Analytics
Heads of Payments Risk
Heads of Identity

ORGANISATION TYPES

Banks & Digital Banks
Fintechs
Payments Services Providers
E-commerce & Digital Commerce
Telecoms & Mobile Operators
Regulators & Infrastructure

What makes FraudSense unique
Built for institutions defending trust in the AI era
Built around live operational pressure
FraudSense is designed around the operational problems institutions are dealing with now — AI-generated scams, synthetic identities, APP fraud, mule networks, deepfake impersonation, and machine-speed social engineering. The agenda focuses on investigation realities, AI-driven response models, reimbursement pressure, detection workflows, and implementation challenges facing fraud and financial crime teams.
Cross-functional by design
Modern fraud no longer sits inside a single function or institution. FraudSense convenes senior leaders tackling fraud, identity, and trust in the AI era — reflecting how fraud now moves fluidly across organisational silos, customer channels, payment rails, digital platforms, marketplaces, and financial ecosystems. The room is structured to surface the conversations that cannot happen one function at a time.
A playbook for the AI era
The summit focuses on how institutions are using AI to strengthen fraud defence across the customer lifecycle — from identity and authentication through to detection, intervention, investigation, and recovery. Discussions are operational rather than theoretical, centred on what is already working, where institutions are struggling, and how defence models are evolving as both fraud and response increasingly operate at machine speed.
Agenda

7:30

8:30

Coffee & Registration

    8:30

    8:35

    Opening Remarks

      8:35

      9:05

      Machine-Speed Fraud: Reshaping the Kingdom's Response

      Saudi Arabia's Cabinet designated 2026 the Year of Artificial Intelligence, and SAMA's Counter-Fraud Fundamental Requirements came into force in April 2026 — pulling fraud and AML into one supervisory frame and extending obligations sector-wide. The Kingdom is accelerating AI adoption across the financial system while adversarial AI simultaneously reshapes the fraud landscape. The institutional question is whether defensive capability will scale before adversarial AI does.
      • Machine-speed fraud is here. Where is the institution's current fraud stack most exposed to AI-tempo attacks the controls were not designed for?
      • SAMA pulls fraud and AML into one supervisory frame. What separates compliance with the new baseline from real operational FRAML capability?
      • AI-driven attacks now scale faster than fraud teams can scale headcount. Where does AI augment the analyst, and where does human judgement remain non-negotiable?
      • Saudi has a structural AI advantage in the broader financial system. How does the bank translate that advantage into model-speed detection, investigation, and response?

      9:05

      9:20

      How We Solved...

      A practical case study on a real industry challenge, the approach taken, and results achieved.

        9:20

        9:25

        The Room Speaks: Morning Pulse

        A mid-morning audience pulse capturing how the room is recalibrating its position on the day's most contested operational and strategic questions.

          9:25

          9:55

          Real-Time Rails, Model-Speed Defence: Sarie, mada, and the PSP Layer

          Sarie clears interbank transfers in seconds, mada handles the dominant share of consumer payments, and the PSP layer now operates under SAMA's April 2026 framework. The fraud function is defending rails that move faster than human review cycles, while AI-orchestrated mule layering, real-time scam typologies, and adversarial automation push attack tempo beyond rule-based detection. The defensive stack has to operate at decision-speed. The practical question is whether anyone is coordinating across institutions, or whether each PSP defends its own slice.
          • Sarie clears in seconds, irreversible by design. Where does the institution add real-time friction without breaking the rail's commercial logic?
          • AI-orchestrated mule layering moves below transaction thresholds. What does behavioural intelligence catch that rule-based monitoring cannot see across the PSP layer?
          • SAMA's framework now binds every PSP on the rail. Where does the tier-one bank co-operate with non-bank PSPs rather than defending alone?
          • Cross-rail attack patterns are observable in real time. What does coordinated real-time intelligence across Sarie, mada, and STC Pay actually require?

          9:55

          10:10

          How We Solved…

          A practical case study on a real industry challenge, the approach taken, and results achieved.

            10:10

            10:40

            Networking Break

              10:40

              11:10

              From Onboarding to Continuous Trust: The Saudi Identity Stack in the AI Era

              Nafath authenticates Saudi residents across banking and government — and the identity layer is now being asked to do more than verify at the gate. Onboarding must defend against AI-generated documents and synthetic identity construction. Authentication must hold up against deepfake injection. Continuous trust has to operate after the customer is in. The strategic question is what identity infrastructure looks like when the entire lifecycle — verification, authentication, continuous assurance — has to operate in an AI-driven environment.
              • Nafath anchors verification at onboarding across the Kingdom. What does the bank do when AI-generated documents defeat the assumption that document checks scale?
              • Authentication runs through the lifecycle, not just at the gate. Where does continuous assurance sit alongside Nafath when behavioural signals carry the defence?
              • Deepfake injection now defeats video onboarding at scale. How does the issuer rebuild liveness assurance across the verification lifecycle without collapsing onboarding economics?
              • Behavioural models profile how a human transacts. Where does identity assurance sit when the customer is an AI agent acting on their behalf?

              11:10

              11:25

              How We Solved...

              A practical case study on a real industry challenge, the approach taken, and results achieved.

                11:25

                12:00

                Prayer Pause

                  12:00

                  12:30

                  The Localised Threat Economy: Adversarial Arabic AI, E-Commerce Phishing, and Telegram Mule Networks

                  Arabic-language scam kits, synthetic IDs in fast-disbursal lending, and Telegram mule recruitment are among the fastest-rising threats in the Saudi fraud landscape. Generative AI produces native-quality Arabic scam content at scale — the same capability HUMAIN and ALLaM brought to defensive AI is available to adversaries. Behind the syndicates sits a commercialised supply chain of scam scripts, deepfake services, and victim-targeting data. The defensive playbook needs Saudi linguistic and cultural specificity at AI speed.
                  • Adversarial Arabic AI produces native-quality scam content at scale. Where does the fraud team build language-aware threat intelligence that matches the attacker's pace?
                  • E-commerce phishing carries a significant share of MENA financial phishing. Where do issuers, merchants, and marketplaces coordinate response across Arabic scam domains?
                  • Telegram mule recruitment operates outside the regulatory perimeter. How does the bank disrupt recruitment channels that no enforcement order can reach?
                  • Adversarial Arabic infrastructure crosses banks, PSPs, and telecoms. Where does coordinated disruption begin between willing parties at machine speed?

                  12:30

                  12:45

                  How We Solved...

                  A practical case study on a real industry challenge, the approach taken, and results achieved.

                    12:45

                    12:50

                    The Room Speaks: Closing Pulse

                    A final audience reflection measuring how perspectives shifted across the day's discussions.

                      12:50

                      12:55

                      Closing Remarks

                        12:55

                        14:00

                        VIP Networking Lunch

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