Account takeover starts as a cyber incident. By the time funds move, it's a fraud case. By the time it's disputed, it's a legal/compliance matter. Same event, three teams, three tickets, often three different conclusions.
Fraud, cyber, and the institutions that respond to them often treat the same incident as three separate issues. I call this the Convergence Problem. Over the next few posts, I'll break down why this happens and what it costs.