Lubana Azad is a Vice President, Enterprise Fraud Risk Management at Cathay Bank, where she leads the development and oversight of the bank's enterprise fraud risk management program. In her second line of defense role, she is responsible for fraud governance, risk assessments, policy development, enterprise reporting, fraud strategy, and oversight of consumer, commercial and occupational fraud domains. With a decade of experience in fraud prevention, investigations, fraud operations, and risk management, Lubana has led initiatives spanning authentication, fraud controls, enterprise fraud frameworks, and emerging fraud risk oversight. Prior to joining Cathay Bank, she held fraud leadership roles at the Canadian Imperial Bank of Commerce (CIBC), where she managed national fraud operations servicing clients coast to coast in Canada. Lubana is a Certified Fraud Examiner (CFE) and holds a Bachelor of Laws (LLB) from the University of London. She is currently pursuing a Masters of Law (LLM) in Corporate and Commercial law concentrating on financial crime and corporate governance.