The financial services industry is currently navigating a complex evolution in criminal tactics, a phenomenon often described by security experts as the "squeezing of the crime balloon." As financial institutions bolster their technological defenses to effectively thwart traditional fraud, bad actors are pivoting their energy toward more sophisticated and harder-to-detect scams. This shift in the threat landscape has forced organizations like Navy Federal Credit Union—the largest credit union in the United States—to fundamentally rethink their approach to member protection....