Authorised Payment Fraud: Approaches to Policy and Governance

Authorised payment fraud is a rapidly escalating global threat that undermines economic stability, erodes trust in financial systems and poses significant risks to national and international security. This toolkit, Authorised Payment Fraud: Approaches to Policy and Governance, provides a practical, system-level framework for policymakers, regulators and practitioners in the defence and security sector to design and implement effective anti-fraud strategies tailored to their unique contexts.

Drawing on international best practice, expert interviews and a comprehensive literature review, the toolkit bridges the gap between high-level guidance and actionable national responses. It profiles 15 interventions and sets out five key policy design considerations to help governments and institutions prioritise, sequence and operationalise anti-fraud measures.

This toolkit is an essential resource for those shaping the future of anti-fraud policy, offering actionable insights to build resilient, coordinated and adaptive national responses to the evolving threat of authorised payment fraud.