You can use the search function to find a range of UK Finance material, from consultation responses to thought leadership to blogs, or to find content on a range of topics from Capital Markets & Wholesale to Payments & Innovation.
The Home Office's new Online Crime Centre is a genuine step forward, aggregating fraud intelligence across financial institutions, telcos, and law enforcement to close the gap between where fraud starts and lands – a strategic priority for UK Finance. But faster intelligence only helps if teams can act just as fast. Most teams already spend the bulk of their time manually correlating identifiers, so as shared signals increase, that work becomes the next bottleneck.
This session shows what happens when AI-assisted investigation, built on the tradecraft of seasoned investigators rather than a generic AI model, takes on that correlation work. Starting from a single identifier, SpyCloud Investigations Manager Tom Harper shows how this approach stitches fragmented signals – reused credentials, device fingerprints, session artefacts, and aliases across unrelated platforms - into one confidence-scored picture of a threat actor. It's the same pattern seen when one stolen identity drains a bank account, opens credit under someone else's name, and moves funds through remittance channels before the victim knows their identity has been compromised. The result: hidden links between actors, synthetic identities, and fraud rings surface fast enough to act on, with the analyst in control of the final call.
Systems Engineering & Investigations Manager Mandeep Sandhu grounds the discussion in UK and European fraud typologies and the FCA's shift towards outcomes-based, risk-led supervision.
Attendees leave with a clearer view of where teams will hit capacity as intelligence-sharing accelerates, criteria for evaluating AI-assisted tools, and how faster enrichment supports the intelligence loop.
Systems Engineering and Investigations Manager, EMEA SpyCloud
Mandeep Sandhu is a Systems Engineering and Investigations Manager for EMEA at SpyCloud and based in the UK. With over 27 years in IT and the last 20 ...
Mandeep Sandhu is a Systems Engineering and Investigations Manager for EMEA at SpyCloud and based in the UK. With over 27 years in IT and the last 20 focused on security technology, he works directly with law enforcement on criminal investigations and helps financial institutions understand and minimise their threat exposure and prevent & investigate fraud. Mandeep brings deep knowledge of advanced targeted attack techniques and how stolen data drives the fraud attack lifecycle, grounding the session in UK and European context.
Investigations Manager (Law Enforcement/Fraud), SpyCloud
Tom Harper is SpyCloud's Investigations Manager (Law Enforcement/Fraud), with nearly 30 years investigating criminal, cybercrime, and fraud cases. As ...
Tom Harper is SpyCloud's Investigations Manager (Law Enforcement/Fraud), with nearly 30 years investigating criminal, cybercrime, and fraud cases. As a retired Senior Federal Agent and former Special Agent in Charge of Cyber Crimes at the U.S. Department of Education, he led investigations into computer intrusions, financial fraud, and digital forensics that contributed to landmark legislation and multiple high-profile prosecutions.
At SpyCloud, Tom uncovers threats using identity intelligence and tradecraft built from digital forensics, malware analysis, and scripting in Python and Bash – the same pivots, prioritisation, and pattern recognition now built into how the Research Agent investigates. A former Major in both the U.S. Marine Corps and the Virginia Army National Guard, he also brings deep leadership experience in national cyber defence operations and investigative program management.
Interim Director of Fraud Policy & Operations, UK Finance
Kathryn Westmore is the Director of Financial Crime at UK Finance. She has 20 years of experience in the field of financial crime and previously was a...
Kathryn Westmore is the Director of Financial Crime at UK Finance. She has 20 years of experience in the field of financial crime and previously was a Senior Research Fellow at the Centre for Finance and Security at RUSI.
SpyCloud transforms recaptured darknet data from malware-infected devices, successful phishes, combolists, and third party breaches to disrupt cybercr...
SpyCloud transforms recaptured darknet data from malware-infected devices, successful phishes, combolists, and third party breaches to disrupt cybercrime. Its automated identity threat protection solutions use advanced analytics and AI to accelerate investigations and protect workforce, consumer, and supplier identities from the threats that matter most: authentication bypass, session hijacking, malicious insiders, account takeover, ransomware, and fraud.
SpyCloud's Cybercrime Investigations with Research Agent, helps fraud and financial crime teams correlate identifiers, attribute threat actors, and close cases in minutes rather than days, all while keeping the analyst in control of the final call. Customers include majority of Fortune 10 and several London FTSE organisations, including global banks, financial institutions, building societies, and challenger banks across the UK and Europe.
By downloading this document, you understand and agree that any sharing, distribution or republishing of the content, without prior written authorisation from the author or content managers at UK Finance, shall be constituted as a breach of the UK Finance website terms of use.
