In this practitioner-led panel, leaders from large banks and credit unions discuss how they use Fraud Red Team testing with live, funded production accounts to proactively identify control gaps and validate vendor claims before losses occur.  Panelists share real-world lessons from testing scams, AI-driven attacks, identity abuse, and money movement in production environments, including governance challenges, unexpected findings, and measurable outcomes. This session is practical, experience-driven, and designed for fraud, security, and risk leaders looking to move beyond reactive defense.