Cyber-enabled fraud cost Americans nearly $21 billion in 2025, according to the FBI. This session examines the Fraud Kill Chain and the new MITRE Cyber Fraud Framework and challenges the misconception that cyberfraud requires sophistication or insider access. It shows how exposed APIs, weak authentication, and targeted phishing create real attack surfaces, and how API monitoring, device fingerprinting, threat intelligence, and AI can help detect, disrupt, and break the fraud kill chain.