Beyond the Binary: A Smarter Response to Account Takeover Risk

The Purposeful Banker · Jun 9, 2026 · 15m

Fraud teams rarely struggle with the obvious cases. It's the in-between moments that are hardest: a suspicious login here, a profile change there, a third-party signal that something might be off. The problem is that most account takeover defenses still force a binary choice. Lock the user out or let them through. In this episode, Q2 Product Manager Kristina Wingers joins host Jim Young to talk about why that binary approach no longer fits the reality of modern fraud, what a more proportional response looks like, and how financial institutions can buy themselves time to investigate without…