Head of Customer Authentication
TD Bank
Ruchira is a Global Executive Leader with more than 23 years of financial industry leadership experience and expertise in domains spanning across Payments , Capital Markets / Trading, Prime Brokerage Purchase & Sales, Regulatory Reporting , Fixed Income, Global Transaction Banking – Treasury Management Supply chain finance , Digital Wallet – Commercial Card, Virtual Accounts Payable etc.
In her most recent role, she leads the Customer Authentication Product Platform for TD Bank with expanded mandate across Global Financial Crime – AML/ Fraud/ KYC etc. She is responsible for the strategy, delivery, regulatory alignment and innovation aspects across consumer and commercial products for TD bank as related to customer authentication and ID proofing.
A passionate advocate for diversity and women in STEM , Ruchira enjoys travelling and adventure sports and hiking in her spare time .
Digital finance affords financial institutions and their customers an enhanced experience, the ability to interact and conduct financial transactions across channels, and the real-time delivery of hyper-personalized new products. Yet the increasingly sophisticated exploitation of security vulnerabilities and gaps to commit fraud using generative artificial intelligence (GenAI) is set to unleash a tidal wave of fraud. The panel discusses the urgency for banks and financial institutions to develop a multi-layered security strategy to detect and prevent the rapidly accelerating rise of GenAI-powered fraud across channels—much of it occurring through extremely capable, global criminal and nation-state-run enterprises.