Top 5 Banking Fraud Trends in 2025 — And How to Prevent Them With Modern Employee Training
As fraud tactics evolve, banks and credit unions must rethink how they prepare their teams to identify and prevent threats.
From AI-powered scams to internal fraud, 2025 is bringing a new generation of risk to financial institutions—and employee training is the most powerful tool you have to protect your organization.
In this post, we break down the top five fraud trends affecting the banking industry and show you how modern, interactive training from BankersHub helps prevent fraud and institutional loss.
1. Authorized Push Payment (APP) Fraud is Surging
APP fraud occurs when customers are tricked into transferring money to fraudsters. While not technically unauthorized, these losses damage trust—and they're growing fast.
APP scams accounted for over $1.3 billion in global losses in 2023 (UK Finance).
How BankersHub Helps: Scenario-based training prepares frontline staff to spot distress or suspicious behavior and step in before a loss occurs.
2. AI and Deepfake Scams Are Fooling Everyone
Cybercriminals are now using artificial intelligence in banking fraud—from voice cloning to hyper-realistic phishing emails. These attacks are harder to detect and spreading quickly.
84% of data breaches now involve social engineering tactics (IBM Security, 2023).
BankersHub Training Tip: Interactive simulations teach employees to pause, verify, and escalate when something seems off—even if the request “sounds” legit.
3. Synthetic Identity Fraud is a Growing Threat
Fraudsters are crafting fake identities using stolen and manufactured data to open new accounts and quietly exploit credit systems.
Synthetic ID fraud rose 14% year-over-year in 2023 (TransUnion).
Why Training Matters: BankersHub’s First Line of Defense training helps staff detect subtle signs during account setup—before fake profiles slip through the cracks.
4. Internal Fraud is Costly and Often Undetected
Fraud isn’t always external. Internal threats from employees or third-party contractors can be just as damaging—and harder to identify.
The median loss from internal fraud is $145,000, and 58% of cases last over 12 months (ACFE, 2022).
Training Solution: BankersHub builds a culture of accountability through ethics, compliance, and behavior-based awareness modules.
5. Digital Banking Increases Exposure to Fraud
With mobile banking and remote onboarding growing rapidly, fraudsters are targeting new digital touchpoints.
Digital banking fraud losses are expected to surpass $100 billion by 2026 (Juniper Research).
How to Prepare: BankersHub offers flexible training for both branch and digital teams—because today’s fraud risk spans every channel.
April 24, 2025 | 1:00 PM ET | 45 minutes + Q&A
Who should attend?
- Compliance Officers and Risk Managers
- Learning and Development (L&D) professionals
- Executives and decision-makers focused on risk-strategy
- Anyone responsible for staff training, compliance or operational oversight