Inside the Q3 Fraud Index: How Fraud Losses Are Moving

Certain fraud losses are trending downward for financial institutions.

The latest Auriemma Roundtables Q3 2025 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 These insights aren’t pulled from news headlines or outdated industry surveys—they come directly from the leading benchmark provider for top U.S. banks.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 Q3 2025 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 Q3 findings suggest a few big-picture takeaways:

• Fraud controls are paying off. Losses are trending downward across multiple channels, reflecting the impact of continued investment in technology, analytics, and stronger authentication.

• Consumer awareness is making a difference. Improved education and real-time alerts are helping shift behavior and push key trends in a positive direction.

• Consistency is becoming critical. As banks refine reimbursement standards, the industry is moving toward a more balanced approach—protecting customers while maintaining disciplined, defensible fraud decisions.

• But the threat isn’t disappearing. Fraud continues to evolve, migrating across rails and channels as controls tighten elsewhere.

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 Helga Boughal, Managing Director of Revenue, at hboughal@roundtables.us or 646.343.4421.