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Balancing Fraud Controls and UX

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Welcome to your interview.

The question is on your right: Balancing Fraud Controls and UX. Take a moment with it first.

Talk your thinking through with me if you like - when you're confident, submit your answer and I'll grade it like a real screen (7/10 or better passes). Discussion and graded submissions share your five interviewer interactions, so spend them well.

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Problem

How do you balance the trade-off between implementing strict fraud prevention measures and maintaining a frictionless USAA member experience?