How Non-Bank Lenders Balance Risk, Growth and Customer Experience at Scale

AML, fraud and onboarding trade-offs, discussed by the operators who  actually make the calls. Most non-bank lenders redesign their onboarding process at least once before they hit scale.

The ones who get it right learn to make better trade-offs, between conversion and  compliance, between speed and control, between what regulators actually care about and what teams over-engineer.

This session brings together senior leaders from across non-bank lending to talk about how those decisions get made in practice. Not in theory. Not through a product lens. Through the choices that happen under real operational pressure.

What you'll walk away with

As lending businesses scale, onboarding becomes a constant balancing act, and the margin for error shrinks. This session cuts through the noise and focuses on what actually matters.

You'll hear how leading non-bank lenders are navigating:

• Where risk frameworks break at scale - the specific points where existing controls stop keeping up with volume, and what gets rebuilt vs. optimised.
• How trade-offs between conversion and compliance actually get made - including where panellists have deliberately introduced friction, and where they've stripped it back.
• What regulators actually focus on in practice - versus what teams over-engineer internally, and where simplification is possible without increasing risk.

• How onboarding and risk approaches need to evolve - what capabilities become critical at scale, and what panellists would fix today before their volumes doubled again.

Who this is for

This session is for leaders at non-bank lenders who are past the startup phase and starting to feel the friction between growth targets and compliance reality.

If you're responsible for risk, compliance, onboarding operations, or product decisions at a non-bank lender and you've ever had to choose between a cleaner customer experience and a tighter control framework, this conversation is for you.

• Heads of Risk and Compliance
• Operations and Lending leaders
• Product and Digital teams
• Founders and GMs scaling non-bank lending businesses