How do you think a mechanism like that gets created?
Do it in one go and you're talking a department of tens or hundreds of people, most of them newly hired. Turn them loose without careful thought and at the very least you create massive chaos in your organization. But you also probably create substantial losses as fraudsters use the chaos to take a lot of money.
I think the only way you can get to the customer service experience you want is by starting with one customer's problems, solving them, and then changing the organization a bit so it's less dumb. Then you rinse and repeat for years.
It's an organization of thousands of people across the globe, with a zillion lines of code and, a ton of procedures and habits, and a lot of institutional inertia. The way to solve it is by starting now in a manageable way, and that's what he claims he's doing.