MRC Online Courses

Generative AI and Identity Fraud

Graphic with the title ‘Generative AI and Identity Fraud and the subtitle ‘Created in Partnership with Sardine,’ displayed over a background image of hands typing on a laptop with a red warning icon overlay.

The Generative AI and Identity Fraud course explores the growing intersection between advanced generative technologies and evolving identity-based fraud threats. As fraudsters adopt AI-powered tools to create realistic fake identities, mimic voices and faces, and execute sophisticated social engineering attacks, fraud prevention professionals must adapt rapidly to defend the customer journey.  

MRC Members: USD $75 (plus applicable taxes)
Non-members: USD $150 (plus applicable taxes)s)


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This course provides a deep dive into the techniques and technologies used to facilitate GenAI-powered identity fraud, including synthetic identity creation, deepfake impersonation, phishing campaigns, and fraudulent websites. Learners will gain insight into how these tools bypass traditional verification systems and how emerging detection methods—such as behavioral biometrics, device intelligence, and real-time analytics—are evolving in response. The course also examines regulatory and ethical considerations, including transparency, fairness, and AI accountability.

FAQs

    • eCommerce payment professionals who need a comprehensive understanding of the payment landscape.
    • Fraud prevention specialists seeking to understand how payment processes intersect with fraud risks.
    • Financial analysts responsible for evaluating and managing financial operations in retail, including understanding chargebacks and interchange fees.
    • Compliance officers ensuring that eCommerce operations adhere to payment laws, regulations, and standards.
    • This course may also benefit online retail business owners, customer service representatives, IT and security professionals, and marketing and sales professionals in eCommerce.

    • eCommerce payment professionals who need a comprehensive understanding of the payment landscape.
    • Fraud prevention specialists seeking to understand how payment processes intersect with fraud risks.
    • Financial analysts responsible for evaluating and managing financial operations in retail, including understanding chargebacks and interchange fees.
    • Compliance officers ensuring that eCommerce operations adhere to payment laws, regulations, and standards.
    • This course may also benefit online retail business owners, customer service representatives, IT and security professionals, and marketing and sales professionals in eCommerce.

    • Program Level: Basic
    • Program Field of Study: Specialized Knowledge
    • Program Delivery Method: QAS Self Study
    • CPE Credits: 3.2
    • Advanced Preparation and/or Pre-requisites: None

    • Program Level: Basic
    • Program Field of Study: Specialized Knowledge
    • Program Delivery Method: QAS Self Study
    • CPE Credits: 3.2
    • Advanced Preparation and/or Pre-requisites: None

    • Identify how generative AI technologies are being exploited in modern identity fraud schemes.
    • Explain the limitations of traditional fraud detection systems.
    • Describe how generative AI enables new forms of identity fraud.
    • Explain how AI tools enhance account takeover and impersonation tactics.
    • Recognize how generative AI is being used in real-world identity fraud cases.
    • Describe the risks posed by cross-border GenAI-enabled fraud.
    • Identify advanced detection methods for combating GenAI-based identity fraud.
    • Explain the importance of layered authentication strategies and real-time monitoring in defending against AI-enhanced identity threats.
    • Understand the regulatory implications of using AI in fraud detection.
    • Identify compliance risks posed by generative AI and how to align fraud prevention strategies with data privacy, transparency, and legal defensibility.
    • Recognize emerging GenAI fraud threats and how LLMs may be weaponized at scale.
    • Identify tools, training, and strategies to prepare teams and build ethical, adaptive AI defenses.

    Please allow 2–3 hours to complete this course. The course culminates with a comprehensive final assessment to evaluate the user's comprehension of the material. Upon successfully completing the final assessment, participants will be awarded a certificate of completion representing their proficiency in the subject matter.

    • Payments Ecosystem: Gain a comprehensive understanding of the payments ecosystem, including key players, processes, and technologies.
    • Risk Management: Learn about best practices in payment security, risk assessment, and mitigation strategies.
    • Regulatory Compliance: Stay informed about the latest regulations and compliance requirements affecting the payments industry.
    • Emerging Trends: Learn about the changing payments industry and what the future holds for merchants and consumers.

    • MRC Members: USD $75 (plus applicable taxes)
    • Non-members: USD $150 (plus applicable taxes)

MRC Education Accreditation

The Merchant Risk Council is registered with the National Association of State Boards of Accountancy (NASBA) as a sponsor of continuing professional education on the National Registry of CPE Sponsors. State boards of accountancy have final authority on the acceptance of individual courses for CPE credit. Complaints regarding registered sponsors may be submitted to the National Registry of CPE Sponsors through its website: nasbaregistry.org

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MRC Education Refund Policy

MRC Education eLearning course refunds and cancellations are determined on a case-by-case basis. Cancellations and requests for refunds must be communicated in writing to programs@merchantriskcouncil.org. Refunds will not be issued once a course is started. Additionally, courses must be completed within one year of the course enrollment date.