While overall payments declined, the financial sector remained the top payer to cybercriminals, surpassing both health care and manufacturing.

Employees throughout the company can use generative AI to query data from sales calls, email, invoices and a host of other information sources. 

After two successful international expansions, Junqueira aims to bring Nubank's products to U.S. consumers even as the neobank faces strong competition from U.S.-based banks and fintechs.

While banks welcome the "whole-of-government" approach that led the effort, private sector takedowns remain difficult without federal warrants.