Rob Tharle of NICE Actimize EMEA offers advice for multilayered defense. APP fraud is dramatically different from other forms of fraud banks face, he says. The sums of money are very large and life-changing, and the customer is liable for it, he adds. The expert is a Fraud and Authentication Subject Matter Expert with NICE.com. He says the customer has authorized the payment, as opposed to the fraudster authorizing it, and that means that under most laws the consumer is liable.”]