▁of ▁ret ail ▁bank ing ▁prov iders ▁in ▁the ▁UK . ▁ ▁In ▁addition ▁to ▁de vis ing ▁and ▁implementing ▁policies , ▁the ▁association ▁ens ures ▁a ▁un ited ▁industry ▁approach ▁to ▁comb ating ▁payment , ▁che que ▁and ▁l ending ▁fra ud . ▁ ▁Activity ▁▁ ▁Fin an cial ▁Fra ud ▁Action ▁UK ▁( FF A ▁UK ) ▁spe ar head s ▁the ▁collect ive ▁fight ▁against ▁fra ud ▁in ▁the ▁UK ▁pay ments ▁industry . ▁Working ▁in ▁conj unction ▁with ▁industry ▁partners , ▁government ▁and ▁the ▁police , ▁F FA ▁UK ▁a ims ▁to ▁help ▁the ▁public ▁and ▁business es ▁to ▁protect ▁themselves ▁from ▁financial ▁fra ud . ▁▁ ▁Activ ities ▁undert aken ▁by ▁F FA ▁UK ▁include ▁the ▁following : ▁ ▁Represent ing ▁a ▁un ified ▁voice ▁on ▁beh alf ▁of ▁members . ▁ ▁Ens uring ▁card ▁companies ▁and ▁banks ▁are ▁flexible ▁and ▁robust ▁in ▁their ▁approach ▁to ▁fra ud ▁intelligence ▁sharing . ▁ ▁Man aging ▁an ▁Indust ry ▁Str ateg ic ▁Th re at ▁Management ▁process ▁which ▁provides ▁a ▁current ▁and ▁future ▁observation ▁of ▁fra ud ▁and ▁the ▁financial ▁crime ▁landscape . ▁Key ▁fra ud ▁thre ats ▁are ▁identified ▁in ▁this ▁process ▁and ▁assist ▁the ▁industry ▁in ▁creating ▁program mes ▁of ▁cross - indust ry ▁project ▁activity ▁to ▁attend ▁to ▁these ▁thre ats . ▁ ▁Develop ing ▁industry ▁feedback ▁to ▁new ▁technology ▁and ▁pay ments ▁system ▁changes ▁that ▁examine ▁fra ud ▁consider ations . ▁ ▁Del iver ing ▁fra ud ▁management ▁information ▁on ▁beh alf ▁of ▁the ▁industry ▁to