Fraud does not begin with victim loss; it originates in an upstream cybercrime ecosystem of phishing kits, malware-as-a-service and mule recruitment. Once funds are stolen, the critical window for action may be measured in minutes, before proceeds are dispersed through layered mule accounts. This panel examines the high-velocity threat, from the cyber infrastructure that enables scams to the real-time payment rails criminals exploit. It will explore how national coordination, public-private intelligence sharing and internal bank data strategies must evolve to intervene before the money is gone.