Inside the Q1 Fraud Index: How Fraud Losses Are Moving

Certain fraud losses are trending downward for financial institutions.

The latest Auriemma Roundtables Q1 2026 Fraud Index reveals both encouraging progress across major bank and card fraud types. Banks are refining defenses, engaging customers, and balancing reimbursement standards in an evolving threat environment.

The Index tracks three foundational metrics and features a rotating “hot topic” each quarter to highlight emerging threats. These insights aren’t pulled from news headlines or outdated industry surveys—they come directly from the leading benchmark provider for top U.S. banks.

What’s in the Q1 2026 Fraud Index?

• Gross and net fraud losses per DDA
• Credit card fraud losses as a percent of sales
• Change in average net ACH fraud losses

Read it Here

The Q1 findings suggest a few big-picture takeaways:

• Fraud at account opening remains elevated, with closure rates still above 3% after a higher peak—ongoing exposure in digital onboarding.
• Net fraud losses per DDA have declined, while gross losses remain volatile—indicating continued fraud pressure alongside stronger recovery efforts.
• Spikes in gross losses suggest fraud patterns are uneven and continue to shift over time.
• Card fraud losses as a percentage of sales appear stable overall, but small movements can drive meaningful dollar impact at scale.
• Across metrics, improvements are inconsistent. Trends point to a changing fraud environment rather than a sustained reduction in risk.

Does your institution benchmark its fraud program?

If your team is making decisions without peer-based performance data, you’re flying blind. Our Bank Fraud Benchmarking program helps you:

• Track performance with precision
• Justify fraud investments with confidence
• Stay ahead of fast-moving threats

Reach out to Jared Kirby, Director, Data GTM Strategy, at jkirby@roundtables.us or 646.343.4416.