Most banks still treat authentication as a gate at the front door—verify once, then trust the user. But account takeover, social engineering, and cross-channel fraud are exploiting the gaps between that initial login and every high-risk action that follows. In this fireside chat, a fraud advisory leader and an enterprise bank authentication director share how large financial institutions are moving from static, binary authentication to continuous, risk-based identity trust — evaluating signals across devices, behaviors, channels, and lifecycle events in real time. They'll discuss what this shift looks like operationally, where CIAM fits (and where it falls short), and practical lessons for identity teams navigating the convergence of authentication and fraud prevention.