APP Fraud Reimbursement: Compliance or Margin Risk?

Introduction

The UK’s new Authorised Push Payment (APP) Fraud Reimbursement Regime came into effect in October 2024, fundamentally reshaping how payment service providers manage liability, customer claims and financial crime risk.

This new webinar will help you to operationalise the UK APP Reimbursement regime by building a robust claims process, clear liability frameworks, and meaningful MI, while managing financial and product impacts.

The webinar is designed for Compliance Officers, Risk Officers, MLROs, Operational Leads, Product Managers and Senior Management Functions of financial service firms.

What you will learn

This webinar will cover the following:

• Regime Snapshot and Scope
• Scope of payments and participants (FPS/CHAPS)
• Key exclusions
• Vulnerable customer considerations and regulatory expectations
• Liability Split and Grey Areas
• 50:50 liability allocation between sending and receiving PSPs and its operational/legal implications
• Coordination challenges between counterparties
• Grey zones and contested interpretations: voluntary vs. manipulated authorisations; gross negligence and vulnerability carve-outs
• Evidencing decisions to withstand PSR and FOS scrutiny
• Operating Model Design
• Claims intake and triage
• Investigation standards
• SLA adherence
• Dispute handling
• SAR triggers and mule response: embedding financial crime compliance
• Cross-functional ownership: aligning Fraud, Complaints, Risk, and Product
• Economics and MI
• Loss drivers: scam typologies, customer behaviour, operational delays
• Key KPIs
• Provisioning and forecasting
• Product and pricing friction points
• MI as a strategic tool

This pre-recorded webinar will be available to view from Monday 2nd February 2026

Alternatively, you can gain access to this webinar and 1,900+ others via the MBL Webinar Subscription. Please email webinarsubscription@mblseminars.com for more details.