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APP Webinar: "Scaling Underwriting without Sacrificing Customer Experience"

The September installment of the APP Monthly Education Webinar Series

Thursday, September 24, 2026
10:00 AM - 11:00 AM (PDT)

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Event Details

Underwriting teams are under unprecedented pressure: merchants expect near-instant onboarding, ISOs and ISVs demand predictable decisions, and regulators continue to raise the bar for compliance. As underwriting organizations scale, they often face a false choice—accelerate decisions or maintain rigor. But with the right mix of automation, human expertise, and governance, payments companies can achieve both speed and safety without compromising customer trust.

In this session, a panel of payment experts will discuss how to modernize underwriting workflows while preserving the customer experience. They’ll explore emerging model-driven approaches, the evolving control frameworks required to support them, and practical strategies for managing risk in high-velocity merchant onboarding environments. Attendees will leave with a clear view of where automation elevates underwriting—and where human judgment remains irreplaceable.

Moderator:
Ashley Robins
VP, Payments Risk & Compliance
Chesapeake Bank
Panelists:
Dan Frechtling
SVP Product & Strategy
LegitScript
Angela Ross 
CEO 
AMPF, Inc.

Leo Patching
Co‑founder & CEO
Kompliant

Takeaways:

  • How to balance speed, reliability, and compliance in underwriting without degrading the customer experience—or exposing the organization to unnecessary risk.

  • Where automation delivers the biggest lift, and how to identify the decision points where human review adds value rather than friction.

  • Seeing both sides of provisional approvals in scaling underwriting capacity.

  • How to design and maintain control frameworks that shift from human-centered to model-centered processes while meeting regulatory expectations.

  • How to respond when fraud surfaces, with guidance on deciding whether to refine models, add rules, or escalate human review.

  • Real-world lessons from top underwriting and risk leaders who are modernizing operations without sacrificing trust, safety, or customer satisfaction.

This webinar will be eligible for one (1) ETA CPP credit.