# How Vault.Bank launched digital banking without launching fraud

Page: https://stenobird.com/podcast/fraud-forward-6896520/how-vault-bank-launched-digital-banking-without-launching-fraud
Text version: https://stenobird.com/podcast/fraud-forward-6896520/how-vault-bank-launched-digital-banking-without-launching-fraud.md
Podcast: [Fraud Forward](https://stenobird.com/podcast/fraud-forward-6896520)
Published: 2026-08-12T08:00:00+00:00
Episode link: https://www.sardine.ai/media/fraud-forward
Audio file: https://episodes.captivate.fm/episode/d3794c96-b444-4f08-a12d-e82945211c17.mp3
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JSON: https://stenobird.com/v1/public/podcasts/fraud-forward-6896520/episodes/how-vault-bank-launched-digital-banking-without-launching-fraud
Duration seconds: 3715

## Resource

What’s up fraud fighters, and welcome back to Fraud Forward! Community banks know they need digital transformation in banking to stay competitive. They also know one bad launch can overwhelm a fraud team, frustrate customers, and torch years of trust. So today we're going beyond the headline case study to unpack how one community bank actually pulled it off. I'm joined by Omar Hamden, Chief Experience Officer at Vault.Bank, and Jorge Garcia, CEO of Linker Finance, to talk about how a 120-year-old community bank in Broadhead, Wisconsin turned itself into a digital brand, without opening the door to the fraud everyone assumes comes with it. Omar didn’t want a system that approved everyone or treated every customer like a suspect. He wanted risk-based account opening that could actually tell the difference, and it worked. Fraud losses in digital banking at Vault have stayed close to zero since launch, with onboarding now taking about three minutes, funding included. Most banks assume digital growth means a bigger fraud team. Vault runs its entire fraud and onboarding operation with two people. That's it. No army of analysts, just the right core banking integration and automation in place from day one. Jorge breaks down why vendor selection for community bank leaders, not the technology, is usually the real blocker for community banks trying to launch digitally, and how Linker built a turnkey approach so Vault didn't have to stitch together a dozen point solutions on its own. The numbers back all of it up. Vault grew deposits 16% year over year, five times its prior growth rate, and customer retention rate sits close to 90%. If your institution is weighing a digital brand launch in community banking, this digital banking case study is the one to send to your board. What yo…

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