Fraud decisioning leans on transaction, device, and velocity signals — while the identity journey sits in a separate silo, checked once at onboarding and rarely again. AI-driven fraud and synthetic identities exploit exactly that gap. This session makes the case for treating the identity journey as a first-class, real-time fraud signal — woven directly into the enterprise decision data fabric rather than isolated in a one-time check. When identity signals inform decisions in the moment and in context, models catch what any single data source would miss. Attendees will leave with a practical framework for assessing how identity journey data flows into their fraud decisions and the accuracy and trust gains from closing the identity-to-decision gap.