ATOS Worldline performs Fraud Risk Management on a wide range of products like Debit and Credit Cards, for Issuers, Acquirers and Petrol Companies, accross all fraud types like Theft, Counterfeit, and Internet Fraud. During our talk, we will highlight the different components needed for efficient Fraud Risk Management like creation of awareness, an efficient and flexible infrastructure, the right skills, the right support, etc. We will particularly focus of the role and position of data mining in this process and the relation between expert and data driven fraud detection. All will be amply illustrated with real fraud case examples.