Hailey Windham

Fraud Forward

A Careers , Business and Government podcast

About the show

Fraud Forward is a banking-focused podcast bringing together fraud fighters, risk leaders, and financial crime experts to explore how fraud is evolving, and how financial institutions must adapt. Each episode features practical, candid conversations with teams in the trenches, covering strategy, governance, prevention, and recovery. Rather than chasing headlines, Fraud Forward focuses on what’s working, what’s changing, and what fraud leaders need to prepare for as financial crime accelerates. This is where banking comes together to challenge assumptions, pressure-test controls, and move fraud forward.

Newest episodes

BSA Regulation and Fraud: Bridging the Gap, with Nyla Cortes

Nov 11, 2026 25 min

What’s up fraud fighters, and welcome back to Fraud Forward! This one is extra special. We are live at Money 2020, and I am sitting across from Nyla Cortez, my former desk mate from our credit union days. Back then, we co-hosted a podcast called THE TEA, which stood for training, education, and awareness. Our goal was to turn compliance and fraud jargon into real world understanding, and that is exactly what we do again today. Nyla knows BSA and consumer protection regulations inside and out. I know the fraud side. In this conversation, we talk about what happens when those two worlds stay siloed and what changes when they start talking. We look at an elder financial exploitation case that taught me why a policy exists, play a game of fraud or compliance, and get into Reg E claims, cash activity, and who should own the gray areas. If you have ever wondered how BSA regulation and fraud fit together, this one is for you. Stay until the end, because Nyla has some news she wanted to share here first. Let’s get into it. What you’ll hear in this episode:How a BSA team and a fraud team handled an elder financial exploitation case together, including the adult protective services referral and the unusual activity referral that let fraud act.Why siloed BSA and fraud teams create double work, and how better communication between a BSA officer and a fraud team fixes it.What bridging the gap between BSA and fraud means in practice, and why friendship is not required.How Reg E claims, provisional credit timelines, and the 10 day and 45 day investigation window protect members and institutions.Why unauthorized transfer claims need both a compliance clock and a fraud investigation.What to do when one device logs into a dozen accounts in an hour.Who owns money that comes in and goes straight out with no clear purpose, and why policy has to decide.What happened when a member walked in with $30,000 in cash, and how CTR filing fits into the bigger picture.Why explaining regulations in...

Money 20/20 Las Vegas: Fraud Governance, Scams, and What to Do Before You Buy Another Tool

Nov 4, 2026 1 hr 7 min

What’s up fraud fighters, and welcome back to Fraud Forward! This episode comes to you live from Money 2020 Las Vegas, where I sat down with four people whose work I admire. Angela Diaz from TD, Jared Tennison from GBank, Jeni Branter from Royal Credit Union, and Aaron Frye from Lucid Point Consulting. Together they cover bank risk oversight, quantitative fraud analytics, credit union payments and digital banking, and fraud risk consulting. I also brought along our new fraud benchmark report for credit unions and community banks, and I used its findings to shape my questions. We talk about who owns fraud, why loss numbers rarely match from one team to the next, how scams reach members in digital banking, and why many teams shop for a new tool before they understand the one they already have. If you have been wondering what good fraud governance looks like in practice, this conversation is for you. Let’s get into it. What you’ll hear in this episode:How Angela Diaz carried lessons from a startup into large financial institution work, and what makes cross functional fraud collaboration work or failWhat good fraud policy ownership looks like after the policy is written, including feedback from the people who have to apply itWhy Jared Tennison says fraud teams can give three different answers about losses, and why first party fraud is the hardest to pin downHow the hidden cost of fraud friction, including customers who never finish an application, rarely shows up in loss reportingWhich scams Jeni Branter sees reaching members in digital banking, including romance scams and bank impersonation callsWhy Jeni asks business members to meet security requirements in their contractsHow intentional friction, step up checks, and limits based on the member’s risk can protect members without slowing everyone downWhat Angela says changes when AI agents start to transact, and why she believes risk avoidance is not risk managementHow Aaron Frye explains the second line of defense, fr...

Leveraging AI for Fraud Investigations: Why Investigators Are the Next Builders

Oct 28, 2026 49 min

What’s up fraud fighters, and welcome back to Fraud Forward! I first came across Assaf Kipnis through his work online, and more recently he shared a post about realizing he was more than an investigator. Assaf has spent 13 years in security, trust and safety, and fraud, with investigation roles at LinkedIn, Facebook, Google, and ElevenLabs. Today he runs his own consultancy focused on investigations, AI builds, and threat intelligence. In our conversation, he raises a question I hadn’t considered. While we as an industry are debating whether AI will replace fraud investigators, the people committing fraud are using AI to experiment, innovate, and improve their operations. What happens if we remove the very people who help us stay ahead? We talk about leveraging AI for fraud investigations in a way investigators can actually trust. That includes the AI fraud investigation tools that are being built, why context matters more than hallucinations, what human in the loop really means, and how a fraud knowledge base can keep institutional knowledge from walking out the door. Let’s get into it. What you’ll hear in this episode:Why modern fraud operations run like companies, with goals, leaders, and recruiting, and why taking down a thousand accounts doesn’t slow themWhy replacing fraud investigators with AI could become a competitive disadvantage for fraud teamsHow Assaf built an open source investigation tool that connects OSINT sources and saves evidence to diskWhy hallucinations are less of a risk than AI making decisions with incomplete or outdated contextWhat human in the loop and human on the loop mean in practice, and why reviewing every AI decision doesn’t scaleWhy most of an AI build should be deterministic code, and where a language model earns its placeHow an investigator’s adversarial mindset helps when building with AI, including treating the model like a threat actorHow a fraud knowledge base captures what experienced investigators know and keeps it after th...

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All episodes

BSA Regulation and Fraud: Bridging the Gap, with Nyla Cortes

Nov 11, 2026 25 min

Money 20/20 Las Vegas: Fraud Governance, Scams, and What to Do Before You Buy Another Tool

Nov 4, 2026 1 hr 7 min

Leveraging AI for Fraud Investigations: Why Investigators Are the Next Builders

Oct 28, 2026 49 min

The PSECU Fraud Files: Turning Member Stories Into Fraud Prevention

Oct 21, 2026 43 min

What’s up fraud fighters, and welcome back to Fraud Forward! We spend a lot of time talking about how scams work. This time we’re talking about how a scam feels while it’s happening to someone, and why one credit union decide that was the most important story to tell. Amanda Balmer, Director of Financial Crimes at SPECU, has joined me for conversations at conferences before. This is the first time she gets an episode of her own. Amanda leads a team of analysts, investigators, and strategists who protect members. And she’s a big part of why PSECU Fraud Files exists. It’s a video series the credit union built with its marketing team that shares real member stories, anonymized, to help other members spot the warning signs before they lose money. We dig into why PSECU moved from a newsletter to storytelling while protecting member privacy and dignity, all to build a series that is changing the way members and employees talk about fraud. We also look at the scams hitting credit unions right now, including how a fraudster can coach someone to lie to their own financial institution. If you have ever wondered how a story can treat member education as both an awareness effort and a fraud control, this one is for you. What you’ll hear in this episode: How Amanda went from criminal justice student to social worker, private investigator, intelligence analyst, and now director of financial crimesHow a team of analysts, investigators, and strategists works across PSECU to protect members and the credit unionWhy impostor scams, including bank impersonation scams and one-time passcode scams, are the trend having the biggest impact right nowHow fraudsters coach victims to get around the questions financial institutions askWhy PSECU treats member fraud education as both awareness and a fraud controlHow the Fraud Files evolved from a newsletter into fraud awareness videos built around real member storiesHow PSECU approaches anonymizing member fraud stories and takes the shame out of t...

Fraud Controls Are Everywhere. So Where’s the Accountability?

Oct 14, 2026 27 min

What’s up fraud fighters, and welcome back to Fraud Forward! I want to talk about something that might be a little uncomfortable. It isn’t about a new scheme or a criminal using AI to break into a bank. It’s about our own fraud controls, and the gap between having them and knowing they work. Two stories from the past week made me want to have this conversation. The first is a $350 million penalty against American Express National Bank tied to deficiencies in its BSA and AML program. The second is a guilty plea from a former TD Bank employee who admitted to accepting bribes and helping launder more than $4.8 million. The facts are very different, and neither institution looks like a community bank or credit union with a fraud team of two. Even so, the same questions show up at every size. Does your risk assessment reflect the business you run today? Who reviews the people with the power to override a control? And when someone finds a weakness, who makes sure it gets fixed? I’m also bringing in what we’ve learned from our financial institution fraud benchmarking research, because it points to a question I keep returning to. What does a mature fraud program actually look like? Let’s get into it. What you’ll hear in this episode:Why the American Express enforcement action is a lesson in fraud risk assessment, and what happens when an assessment focuses on a narrow part of a much larger businessWhy the roughly $13 billion in suspected activity cited by the OCC reflects deficiencies in a BSA and AML program, and why it shouldn’t be repeated as a fraud lossHow a former TD Bank employee allegedly used legitimate access to unblock restricted cards, and why employee override monitoring deserves more attention than it getsWhat 86 accounts at one commercial address teach us about transaction monitoring and what should happen after an alert firesPractical ways smaller teams can use compensating controls when they can’t fully separate dutiesWhy documenting a known control weakne...

Fraud Follows the Money: What Washington & Vegas Have Me Thinking About

Oct 7, 2026 26 min

What's up fraud fighters and welcome back to Fraud Forward! I just got home from Las Vegas at four in the morning on Friday after starting the week in Washington DC. I am home for exactly two more sleeps before I turn around and leave again. Today there is no guest. It is just me, my microphone, and a notebook full of things to talk about. I started the week at HHS then I flew from DC to Vegas for ACAMS The Assembly. Two completely different rooms. Yet I kept writing down versions of the same thing. Culture. Data. Accountability. Collaboration. Speed. Technology. And then one sentence from Washington ended up framing the entire week for me. Fraud follows money. That is how this episode starts and that is how it ends. Where the money goes, fraud follows. When the money changes, fraud changes. When the way we move money gets faster, fraud gets faster. When we create a new product, somebody figures out how to exploit it. When we close one vulnerability, they find another. That is fraud driven flows in practice. And if you pay attention to where the money is going next, you will have a much better picture of where the fraud is going. What you’ll hear in this episode:Why fraud driven flows connects real-time payments fraud, stablecoin fraud risks, and check fraud in the digital age into one through lineGovernment fraud program banking parallels that reframe how we think about audit accountability and corrective actionWhy fraud prevention stewardship and the line a dollar saved is worth more than a dollar recovered should change how we talk to leadershipHow fraud program culture functions as a control and why fraud incentive misalignment quietly defeats everything else we buildWhat ACAMS Assembly 2026 insights on real-time payments fraud and stablecoin financial crime risks mean for fraud risk beyond organizational boundaryWhy fraud technology before problem definition is still one of the most expensive mistakes in fraud programs and what AI fraud results measurement shou...

How to Build a Fraud Program: Fraud at the Foundation

Sep 30, 2026 54 min

What’s up fraud fighters, and welcome back to Fraud Forward! Today I’m sitting in the guest chair. If you caught the episode of The Saturday Fraud Strategist that dropped alongside this one, you already know Chen Zamir and I decided to swap roles. He came on Fraud Forward to interview me, and I went on his show to interview him. We are heading to Money 20/20 in Vegas together and thought this would be a fun way to kick it off. I spend a lot of time asking questions. Sitting on the other side of the mic is a different experience, and Chen does not ask easy questions. This conversation went places I did not fully expect. We ended in a discussion about how to build a fraud program that works, and more importantly, what gets in the way. If you have ever walked into an organization that has been fighting fraud for a year, spent money on vendors and headcount, and still were at the same place you started, this episode is for you. The answer is a lot deeper than adding another tool. What you will hear in this episode:How to build a fraud program assessment when you walk into an organization that has been struggling and nobody can tell you whyWhy fraud and risk management starts with people, process, technology, and data in that order, and why most organizations start with technology and create more problemsThe fraud capacity planning model I built as a practitioner to prove headcount needs to executives, including the three-minute-per-alert calculation and how to build a 40-hour week model that accounts for everything your team actually doesWhy fraud team structure matters before you can optimize anything, and how to answer the centralized versus decentralized question before you start hiring or buyingThe fraud risk assessment framework I consider the most important tool in a fraud leader's program, including the difference between inherent risk vs residual risk fraud and why a lack of losses does not mean a lack of riskWhy fraud technology layering done wrong looks like...

IAFCI, part 3: Bust Out Fraud and What’s Trending

Sep 23, 2026 52 min

What’s up fraud fighters, and welcome back to Fraud Forward! I am bringing you more from here at IAFCI in Nashville. I've caught up with fraud fighters, bank executives, and law enforcement leaders for a rapid-fire soundcheck on where fraud is headed. I've been asking everyone I sit down with the same question. If you had one word to describe fraud in 2026, what would it be? The answers ranged from trending and explosive, to complex, and evolving. Sometimes fraud couldn't be contained by only one word. Honestly, they all fit. There were so many great conversations this week. They didn't fit into one episode. They barely fit into two. So this episode is a rapid series of conversations covering everything from bust out fraud to elder fraud prevention, dealership schemes, and where IAFCI itself is headed under new leadership. Every one of these conversations left me with something I want to bring straight back to you. These conversations are not just about what we are facing. But also how we can overcome the rising challenges in our community, the tools, the collaboration, and the partnerships between law enforcement and banking that are only getting stronger. Let's get into it. What you'll hear in this episode:Why bust out fraud is being called a real hot topic right now. How these rings are migrating away from California and Florida as enforcement catches up.How auto lending fraud, first party fraud, and income misrepresentation are showing up together. Why leaning on consortium data and application data fraud signals is more important than relying on credit reports alone.How dealerships that barely exist are financing cars that were never actually delivered.Why business email compromise is still a top concern on the commercial banking side, and the stop call and confirm habit that stops it cold.Building a fraud prevention platform started with understanding the problem firsthand by moving into senior living communities. A fresh way to think about scam education as...

IAFCI, part 2: Fraud Fighter Sound Check on B2B Fraud

Sep 16, 2026 42 min

What’s up fraud fighters, and welcome back to Fraud Forward! This episode is another one that is unplugged, on the road, and recorded live at IAFCI International in Nashville. I am spending more time talking with the people who fight fraud from every angle. This time we talked about consumer fraud, identity theft, romance scams, account takeover on someone’s personal banking app, and the stuff that leads to the nightly news. But businesses get defrauded too, and when they do, it doesn’t just hit a balance sheet. It hits jobs, it hits communities, yet it barely hits the headlines. These conversations will hit on a lot, and we will cover one topic that maybe doesn’t get nearly the attention it deserves. B2B fraud. From business identity verification, synthetic business entities, the regulatory gaps opening up around beneficial ownership, and where AI is genuinely helping instead of just adding to the noise. Sit down, and let’s get into it with the fraud fighters sounding off on B2B fraud, synthetic entities, and everything AI is changing about the fight ahead. What you'll hear in this episode:Why B2B fraud gets a fraction of the attention consumer fraud does, even though the downstream impact on employees and communities can be just as severe.How synthetic business entities and beneficial ownership fraud are becoming easier to pull off, and why recent FinCEN ownership rule changes are widening that gap.A real example of business email compromise reaching its highest recorded volume in FinCEN's history, and how compromised business inbox markets let criminals study a company's own email patterns before striking.What abandoned identity fraud actually means, criminals exploiting the identities of babies, deceased individuals, and people who simply don't monitor their own credit.Why traditional banking fraud vulnerabilities, like slow-moving cross-border wire fraud, are getting overlooked while everyone's attention shifts to AI and crypto.A practical framework for proacti...

IAFCI Nashville: Unplugging Fraud, One Connection at a Time

Sep 9, 2026 42 min

What’s up fraud fighters, and welcome back to Fraud Forward! This episode is recorded live and unplugged on the conference floor at IAFCI International in Nashville. I couldn’t fit everything I loved into one tidy gathering. Instead I’m bringing you the open floor conversations that, for me, are helping to unravel fraud and are weaving together fraud fighters. The headliner here is Michael Perez, the first ever fraudster turned fraud fighter to appear on Fraud Forward. What happened in his story is what you’ll want to hear the most. Federal agents recognized he was more valuable teaching fraud prevention than sitting on the sidelines. Beyond Michael’s story is a walk around the conference floor with a retired FBI cyber crime agent turned author, a Postal Inspector on leveraging relationships, an NYPD detective on dismantling large scale fraud schemes tied to money laundering, and two South Carolina Department of Corrections investigators on the sophisticated financial crime investigations happening behind bars. What you’ll hear in this episode:Michael Perez's full story on how his card skimming operation worked, what led to his arrest, and how he's since built tools that help detect the exact fraud he used to commit.A retired FBI cyber crime agent's take on why nearly 90% of the financial fraud he investigated could have been prevented, and the cybersecurity training mindset he now teaches.How a Postal Inspector's small agency structure makes relationship-building and fraud conference collaboration a survival skill, not a nice-to-have.An NYPD detective's approach to dismantling large scale fraud schemes and money laundering investigation targets, plus a real elder fraud wellness check made possible entirely through IAFCI chapter connections.What South Carolina prison investigators are finding through prison financial crime investigations on contraband cell phones, including AI enabled fraud like deepfake documents and videos, plus peer-to-peer payment fraud tied to...

Fireside chat: AI-driven fraud attacks

Sep 2, 2026 40 min

What’s up fraud fighters, and welcome back to Fraud Forward! This one is recorded live at SardineCon as a fireside chat. You’re getting the real, unscripted version of a conversation I had with Andrew Austin from Sardine and Arjun Ramakrishnan from GoDaddy. This one involves no rehearsed talking points. Just a conversation in front of a room full of people who live this work every day. Arjun brought the merchant and payments side. Andrew brought the fraud technology side. We sat down to talk about AI driven fraud, and how cheap and fast this has all become. AI is not introducing a new species of fraud. It’s the same things we have always fought. Everything from bust-out schemes, card testing, synthetic identities, to fake businesses. What’s changed is the speed, the scale, and the cost. That’s what we spend the next forty-five minutes unpacking. What you’ll hear:How AI-generated fraudulent websites and website cloning fraud have erased one of the oldest fraud indicators fraud teams relied on. We can no longer just rely on whether a business’s website looks legitimate.How bust-out fraud has scaled from two or three manually cultivated accounts to AI agents fraud rings running 30 or 40 synthetic accounts simultaneously.Why card testing attacks no longer follow predictable dollar amounts or velocity patterns, and what that means for payment fraud velocity patterns detection.The real tension fraud teams face balancing KYB friction vs fraud, and why adding more friction can push legitimate customers to a competitor.Why consortium data fraud detection and network-level fraud analysis matter more than ever when a single fraud ring can span dozens of seemingly unrelated accounts.How cost asymmetry in fraud is reshaping the entire fight, where attackers iterate for cents while defenders spend real dollars to respond.Why traditional fraud loss forecasting models are becoming unreliable in a world of constantly evolving agentic fraud attacks.What fraud team innovation strategy...

SardineCon 2026 Debrief: Live from the Show Floor

Aug 26, 2026 31 min

What’s up fraud fighters, and welcome back to Fraud Forward! This one’s a little different. I recorded this episode live on the floor at SardineCon 2026, and instead of one long sit down with a single guest, you're getting a debrief of the day. One conversation after another, right where they happened. I kicked things off by catching up with Simon Taylor after his opening keynote. From there I sat down with Tal Yeshanov, Head of Risk and Compliance at Zeni, who’s spent 17 years in payment risk and consulting. Everything from chargeback abuse to friendly fraud to credit risk. Then came the conversation that’s going to stick with you. Joseph Cox didn’t just talk about AI powered fraud in theory. And to close out the day, Karisse Hendrick and I got into a full recap of Sardine Con. If you couldn’t make it this year, consider this your SardineCon 2026 debrief. Straight from the people who were actually there. What you’ll hear:Simon Taylor on whether the industry actually understands AI or is just moving fast enough to look like it doesTal Yeshanov on 17 years in payment risk, and the practical takeaways she's already applying from SardineCon sessions on AI and AB testingJoseph Cox walking through how he built and deployed a fake ID against a real KYC process, and what it revealed about where fraud detection still falls shortWhy agentic commerce came up in almost every conversation on the show floor, and what it means for how fraud teams need to start thinkingKarisse Hendrick on her SardineCon roundtable, where the room debated who owns liability when an agent makes the purchaseA rundown of the sessions, fireside chats, and roundtables that shaped the day, plus a look at Sardine's own workflow product You should listen to this episode if you:Couldn’t make it to SardineCon 2026 and want the debrief straight from the floorAre trying to figure out where agentic commerce fits into your fraud strategyWant to hear what it actually looks like when someone tests fake ID detectio...

More than a transaction: What Happened to the Career Teller?

Aug 19, 2026 51 min

What’s up fraud fighters, and welcome back to Fraud Forward! This one started with a can of hairspray. Jen Lamont and I were getting ready for a networking event, and somehow a conversation about hair products turned into a conversation about the future of fraud prevention in banking. Because we ended up talking about her mom. A career teller in banking for decades. Someone who knew multiple generations of families, who turned down promotions to stay at the window because she loved the people, who took pride in the role in ways that I think a lot of institutions have quietly trained out of the job. And that got me asking a question I haven't been able to shake since: have we made it harder for the people closest to our customers to actually see them? We still call tellers our first line of defense. But we've also loaded that line with sales goals, referral quotas, transaction time expectations, compliance responsibilities, and lobby metrics. Meanwhile, fraud has gotten more human than ever. Scammers aren't just stealing credentials anymore. They're manipulating customers into moving the money themselves. And the only person standing between a coached customer and a wire going out the door is often a teller who has been measured on everything except whether they noticed something felt wrong. Jen brings a perspective to this conversation that I think is rare and really important. She's a fraud professional who grew up watching her mom build a full career at the teller window. She's seen what that role looks like when it's valued, and she's spent years as a practitioner trying to figure out how to rebuild some of that in institutions where the teller role has shifted into something almost unrecognizable. This is not a conversation about blame. It's a conversation about what we've inherited, what we're still questioning, and what we could do differently. What you’ll hear in this episode:Why Jen's mom's career as a teller, and the pride she took in that role, is the le...

How Vault.Bank launched digital banking without launching fraud

Aug 12, 2026 1 hr 1 min

What’s up fraud fighters, and welcome back to Fraud Forward! Community banks know they need digital transformation in banking to stay competitive. They also know one bad launch can overwhelm a fraud team, frustrate customers, and torch years of trust. So today we're going beyond the headline case study to unpack how one community bank actually pulled it off. I'm joined by Omar Hamden, Chief Experience Officer at Vault.Bank, and Jorge Garcia, CEO of Linker Finance, to talk about how a 120-year-old community bank in Broadhead, Wisconsin turned itself into a digital brand, without opening the door to the fraud everyone assumes comes with it. Omar didn’t want a system that approved everyone or treated every customer like a suspect. He wanted risk-based account opening that could actually tell the difference, and it worked. Fraud losses in digital banking at Vault have stayed close to zero since launch, with onboarding now taking about three minutes, funding included. Most banks assume digital growth means a bigger fraud team. Vault runs its entire fraud and onboarding operation with two people. That's it. No army of analysts, just the right core banking integration and automation in place from day one. Jorge breaks down why vendor selection for community bank leaders, not the technology, is usually the real blocker for community banks trying to launch digitally, and how Linker built a turnkey approach so Vault didn't have to stitch together a dozen point solutions on its own. The numbers back all of it up. Vault grew deposits 16% year over year, five times its prior growth rate, and customer retention rate sits close to 90%. If your institution is weighing a digital brand launch in community banking, this digital banking case study is the one to send to your board. What you'll hear in this episode:How Vault.Bank and Linker Finance came together to launch a digital-only brand for a community bank under $300 million in assets.Why risk-based account opening matters more th...

Trust is under attack: Inside the world of deepfakes, with Andrew Austin

Aug 5, 2026 58 min

What’s up fraud fighters, and welcome back to Fraud Forward! This episode opens a little differently. And if you are not paying close attention, you will probably believe it was me. It sounds like me, it looks like me, but every bit of it is a deepfake created with artificial intelligence in about twenty minutes for less than five dollars. That is not a future threat. That is today. Andrew Austin is one of my favorite people to talk to because he does not do hype. He spends a lot of time exploring where emerging technology meets fraud risk. And this is one of the most practical conversations I have had on the show. We are not here to scare anyone. We are here to make sure fraud fighters understand exactly what they are up against and how organizations need to start thinking differently about deepfake fraud and AI voice cloning. We walk through the full landscape of deepfake technology together, from voice cloning to live face swapping to lip sync. We talk about what each one costs, how convincing each one is, and where criminals are already using deepfake scams today. Andrew breaks down why identity verification is the most vulnerable point for financial institutions right now, why real time detection of AI-generated content is still an unsolved problem, and why fraudsters do not need Hollywood quality deepfakes to be effective. They just need to be convincing enough. We do not stop at the threat. We spend the second half of the conversation talking about defenses, device intelligence, behavioral biometrics, consortium data, friction design, and why employee awareness and organizational culture still matter as much as any technology investment. Andrew also shares what excites him about where AI is headed on the fraud fighting side, and what he thinks every CISO should already have on their roadmap to combat AI fraud. Fraud has always been built on manipulating trust. AI does not change that. It just gives criminals a far more convincing disguise. What you’ll hear in...

Breaking down silos at the ACFE global fraud conference

Jul 29, 2026 38 min

What’s up fraud fighters, and welcome back to Fraud Forward! I always say fraud is a team sport, and this episode is exactly why. I recorded these conversations live from the ACFE fraud conference in Boston, sitting down with five fraud fighters who each bring a completely different piece of the puzzle. Law enforcement. Banking. Government. Fintech. BSA. Investigations. Every single one of them came back to the same point: we cannot fight fraud alone, and the silos we work in are one of the biggest advantages we are handing to fraudsters. Marc Evans opened the conversation by making the case that fraud analyst training has to be rooted in real cases, not theory. Linda Miller followed with one of the most honest takes of the day: the organizations waiting for regulatory guidance before building their AI governance frameworks are already behind. Tracy Swaim added something I had never heard framed so cleanly, that document fraud is a context problem, not a technology problem. And Dustin Eaton brought it back to the data: clean, collective information is the edge, and fraudsters are counting on us not having it. Jen Lamont closed it out with a reminder that hit close to home. For every fraud fighter who cannot make it to a conference like this, the knowledge is still out there. Podcasts, white papers, LinkedIn, local and international fraud associations. This community is one of the most generous there is. And if there is one thing I took away from all five conversations, it is this: fraudsters share everything with each other. Until we do the same, we are always playing catch-up. What you’ll hear in this episode:Why the ACFE fraud conference brings together fraud fighters from banking, government, law enforcement, fintech, and investigations under one roofHow cross-sector fraud prevention helps organizations identify emerging threats fasterWhy breaking silos in fraud is one of the biggest opportunities facing our industry right nowWhat Marc Evans has learned training...

The reverse card: Live from ACFE

Jul 22, 2026 26 min

What’s up fraud fighters, and welcome back to Fraud Forward! This episode is a little different, and honestly, a lot of fun. We recorded this one live from the ACFE conference while playing a game of Uno. And if you've worked in fraud long enough, you already know why that felt like the perfect setup. Just when you think you've figured everything out, someone throws down a reverse card, the rules change, and suddenly you're solving a completely different problem. Joining me are three incredible fraud leaders: Karen Boyer, Steve Lenderman, and Jen Lamont. What starts as a lighthearted game quickly turns into a candid conversation about some of the biggest questions facing fraud teams today. From agentic AI fraud and synthetic identity fraud to fraud leadership, analyst development, scam prevention, and where human expertise still matters most. One thing I loved about this conversation is that there was no script. Just practitioners sharing honest opinions about what's changing, what's overhyped, and what they believe will define the next generation of fraud prevention. What you'll hear in this episode:Why agentic AI fraud could reshape the future of synthetic identity fraudThe growing risks surrounding synthetic agents fraud and autonomous digital identitiesWhy human in the loop AI remains critical for fraud preventionWhether AI should investigate alerts or focus on SAR automationThe future role of fraud analysts in an AI-driven industryWhy check fraud continues to frustrate fraud professionalsThe value of networking, mentorship, and industry collaboration You should listen to this episode if you:Lead a fraud prevention, investigations, risk, or financial crimes team and want to hear how other practitioners are thinking about agentic AI fraud and the future of the industry.Are exploring how AI in fraud, machine learning fraud detection, and fraud detection automation can improve operations without losing the value of human expertise.Want a practical discussion on syn...

Beyond the Button: Investigating fraud in the age of agentic payments

Jul 15, 2026 11 min

What’s up fraud fighters, and welcome back to Fraud Forward! Over the last few months, I've had more conversations about agentic payments than just about any other topic. At conferences, on webinars, and in discussions with some of the smartest people in payments, compliance, and fraud, one thing has become clear to me: I think we're asking the wrong question. Most people want to know whether AI will start moving money. The question I keep coming back to is this: How do fraud teams investigate transactions when software starts making decisions? In this solo episode, I pull together insights from recent conversations with Matt Vega, Mary Ann Miller, and Matt Janiga to explore what agentic commerce really means for fraud investigations, SAR reporting, and the future of financial crime investigations. We talk about why traditional fraud models have always assumed a human initiated the payment, why that assumption no longer holds, and what investigators will need to understand when AI agents begin making decisions on behalf of customers. The technology may be changing, but the principles of good fraud prevention are not. Documentation, audit trails, authority management, explainability, and strong transaction monitoring will become even more important as agentic payments move from theory to reality. What you’ll hear in this episode:Why agentic payments are fundamentally different from traditional payment automation.How agentic commerce changes the way fraud teams investigate payment fraud.Why audit trails, attribution, and explainability will become essential during fraud investigations.How SAR reporting and AML investigations may evolve as AI becomes part of the payment decision process.Why regulators are focused on enabling innovation safely instead of slowing it down.The three questions every fraud investigator should begin asking today to prepare for the future. You should listen to this episode if you:Work in fraud prevention, AML compliance, investigations, or fin...

Inside Deconflict: Bridging Law Enforcement and Banking

Jul 8, 2026 40 min

What’s up fraud fighters, and welcome back to Fraud Forward! In this episode, I’m sitting down with Mudassar Malik, Special Agent with the U.S. Secret Service and Founder and CEO of Deconflict.com, to talk about something our industry needs to get a whole lot better at: financial crime deconflict. Money mule networks do not care where one institution’s visibility ends and another one begins. Pig butchering scams, romance scams, business email compromise, BEC fraud, account takeover, wire fraud, they all move across people, accounts, institutions, platforms, and jurisdictions. Meanwhile, too many of us are still trying to solve pieces of the same case from opposite sides of the wall. Mudassar walks us through what happens when law enforcement and banking actually have a better way to connect investigative intelligence, share what they are seeing, and recognize when different teams may be looking at the same financial crime pattern from different angles. This episode is not about sharing everything with everybody. It is about better fraud response, better financial crime intelligence, and better collaboration between the people who are already fighting the same criminal networks. Because if a credit union, a community bank, a larger institution, and law enforcement are all seeing pieces of the same mule activity, but nobody can connect those pieces fast enough, the criminals keep moving. And the victims keep paying for it. What you’ll hear in this episode: Why financial crime deconflict matters for banks, credit unions, fintechs, and law enforcementHow the Deconflict platform helps connect investigative intelligence across financial crime casesWhy money mule networks, pig butchering scams, romance scams, and BEC fraud require cross-institutional visibilityWhere 314(b)d information sharing fits into the larger fraud response conversationWhy financial institution fraud prevention cannot stop at the edge of one institution’s dataHow law enforcement data sharing can help...

From Liability to Visibility: The Real Story Behind NACHA Phase 2

Jul 1, 2026 13 min

What’s up fraud fighters, and welcome back to Fraud Forward! Today we are talking about ACH compliance, and I know that may not sound like the most exciting opener in the world, but if you work in fraud, payments, operations, compliance, treasury, management, or anywhere near ACH this matters because ACH is one of the most widely used payment rails in the country. And when something goes wrong, it doesn’t just stay contained to one team. It impacts customers, creates operational strain, introduces regulatory risk, and can expose gaps in how your institution detects and responds to fraud. Over the last few months, I have had conversation after conversation with fraud leaders at community banks and credit unions who are asking the same questions. Do we need new technology? Are we expected to monitor every ACH transaction in real time? What exactly are examiners going to expect from us? And if your head has been spinning a little bit, I want you to hear me on this: you are not alone. This episode is about the real story behind NACHA Phase 2. And to me, the real story is not that every institution needs to run out and buy another fraud platform. The real story is that ACH compliance is becoming a much more intentional conversation. It is about knowing your risk, documenting your processes, understanding who owns what, and being able to explain why your institution monitors ACH fraud the way that it does. I actually think that is a good thing. Because for too long, our industry has leaned on liability as the finish line. If we are not liable, it is not really our problem. And technically, maybe sometimes that has been true. But operationally, ethically, and from a fraud fighter perspective, that has never sat well with me. Fraud does not live in silos. Neither should ACH fraud prevention. What you’ll hear in this episode:Why NACHA Phase 2 is about intentionality, not just technologyWhat changed in the final Nacha ACH rules and why that flexibility matters How ACH compli...

The Hidden Infrastructure Behind Modern Money Movement

Jun 24, 2026 1 hr 5 min

What’s up fraud fighters, and welcome back to Fraud Forward: Y’all, this episode is one of those conversations where I found myself taking notes while we were recording. Matt Janiga from Modern Treasury joined me to talk about hidden fraud infrastructure. We talk all the time about faster payments, one API, better vendor tooling, AI agents, global money movement, and payment modernization. But underneath all of that is a much more complicated reality. There are payment rails, reversibility rules, KYC requirements, digital fingerprints, transaction monitoring decisions, consortium data, fraud operations workflows, and infrastructure choices that determine what fraud teams can actually see and stop. And here is the thing: fraud does not live in silos, and neither does the infrastructure that moves money. Matt has worked across regulation, fintech infrastructure, compliance, payments, and risk, with experience touching Dodd-Frank, Square, Stripe, Lithic, and now Modern Treasury. So this conversation gives us a really practical look at how the industry moved from the pre-vendor world, where teams were basically building fraud and compliance tools from scratch, into a world where specialized partners, orchestration layers, and agentic AI are changing what fraud teams can do. For my credit union and community bank folks especially, this matters because you do not have to build everything alone anymore. A rising tide lifts all boats, and the more we understand the hidden fraud infrastructure behind modern payments, the better we can ask questions, pressure test controls, and protect the people we serve. What you’ll hear in this episode:How Dodd-Frank and post-crisis regulation helped shape the fintech ecosystem we know todayWhy banks stepping away from certain customer needs opened the door for fintech growthWhat the pre-vendor world looked like for fraud and compliance teams building tools from scratchWhy fraud vendor infrastructure, orchestration layers, and fraud consor...

The Most Underrated Law Enforcement Agency in Fintech

Jun 17, 2026 38 min

What’s up, fraud fighters, and welcome to Fraud Forward. In this episode, I am sitting down with Eric Shen, inspector in charge of the criminal investigations group for the United States Postal Inspection Service, to talk about something I think way too many fraud teams overlook: USPIS financial crime. When financial crime escalates, most of us immediately think FBI, Secret Service, Homeland Security, or local law enforcement. And listen, those partners matter. But the Postal Inspection Service is one of the most powerful investigative partners in financial crime investigations, especially when mail theft, check fraud, mail fraud, bank fraud, identity theft, money laundering, or organized fraud networks are part of the picture. This conversation is about more than stolen mail or missing packages. It is about how physical infrastructure still connects to modern financial institution fraud, how fraud teams can build stronger law enforcement partnerships, and why collaboration has to happen before the big case hits your desk. Because behind every fraud case is a real person. A member. A customer. A family. A business. Someone whose trust, dignity, and financial stability may have been shaken in a way they will never forget. And we, fraud fighters, have a responsibility to do something about that. What you’ll hear in this episode:A practical breakdown of how USPIS financial crime investigations workWhy the United States Postal Inspection Service matters to banks, credit unions, fintechs, and payments companiesHow mail theft connects to check fraud, mail fraud, identity theft, bank fraud, and money launderingWhy physical mail still matters, even in a digital fraud environmentHow organized fraud networks use stolen mail, altered checks, social media, and other channels to scale financial crimeWhat makes a strong fraud referral to law enforcementWhy relationship building matters before major fraud investigations happenHow IAFCI and other industry networks help financial cr...

AI, Payments & the Future of Fraud Operations — Live from Safeguard

Jun 10, 2026 50 min

What’s up, fraud fighters, and welcome to Fraud Forward. I recorded this live from Safeguard’s AI Deep Dive Retreat at The Broadmoor in Colorado Springs, and y’all, let me tell you something: this was not just another room full of AI buzzwords. This was fraud leaders, payment experts, financial institution professionals, fintech voices, marketplace operators, and risk leaders all sitting in the same place asking one very real question. What happens to fraud prevention when artificial intelligence changes everything? The future of AI fraud is not some far-off thing we are all fixin’ to deal with later. It is already here. We are seeing AI change the speed, scale, and complexity of fraud operations right now. We are seeing it show up in synthetic identity fraud, AI scams, AI identity verification, agentic AI fraud, fraud detection automation, governance conversations, and the pressure fraud teams are already carrying every single day. But this episode is not about panic. It is about realism. It is about what fraud fighters are seeing, what institutions are building, where the gaps still are, and how we keep humans at the center while fraud keeps accelerating around us. What you’ll hear in this episode:A practical conversation about the future of AI fraud and what it means for fraud operationsHow AI fraud prevention is changing across banking, credit unions, fintech, payments, marketplaces, and risk teamsWhy synthetic identity fraud, AI scams, and identity fraud prevention are becoming major areas of concernHow AI in fraud prevention can help investigators analyze data, identify patterns, and reduce noiseWhy AI governance in fraud prevention cannot be treated as something we clean up laterHow agentic AI fraud, know your agent, and KYA fraud prevention are becoming part of the next conversationWhy human-in-the-loop fraud detection still matters, even when fraud analyst AI tools are getting betterHow fraud fighters and AI can work together without replacing the people wh...

Accelerate What, Exactly? The Fraud Side of Fintech Innovation

Jun 3, 2026 55 min

What’s up, fraud fighters, and welcome back to Fraud Forward! This conversation is one I think a lot of us need right now. Financial services are moving fast. Fintech innovations, AI in financial services, real-time payments, embedded finance, digital assets, and payment systems modernization are all changing how institutions serve members and customers. And let me just assure you, fraud fighters are not anti-innovation. We are not the department of no. We are the people who know what happens when fintech innovation moves faster than controls, when fintech compliance is treated like a checklist, and when fraud risk management gets discussed only after something has already gone wrong. In this episode, I sit down with Nyla Cortes to talk through what fintech innovations really mean for credit unions, community banks, fraud teams, BSA officers, compliance leaders, and frontline staff trying to protect people in real time. Because behind every fraud case is a customer. A member. A family. Someone whose trust, dignity, and financial stability may be permanently affected. That is why this conversation matters. What you’ll hear in this episode:A practical look at how fintech innovations are changing fraud risk inside financial institutionsWhy modernization creates opportunity, but also expands the attack surfaceWhat AI governance in financial services needs to look like before something goes wrongHow AI in financial services can support fraud prevention strategies when governance is built inWhy real-time payments require real-time fraud operationsHow fintech partnerships and third-party risk management can introduce hidden exposureWhy fintech risk management has to include fraud, compliance, BSA, AML, operations, and frontline teamsWhat community bank fintech adoption looks like when resources are already stretchedWhy operational readiness matters before losses show up on a reportHow we can support fintech fraud prevention without forgetting the people impacted by crime T...

Fraud as Infrastructure

May 27, 2026 13 min

What’s up, fraud fighters, and welcome back to Fraud Forward! I want to take a moment and talk about something bigger than one scam trend, one crypto headline, or one fraud typology. We are talking about fraud as infrastructure. Because what we are seeing right now is not isolated activity. Organized fraud networks are operating like coordinated systems, connecting pig butchering scams, social engineering scams, mule accounts, crypto money laundering, fraud and AML gaps, and national security and financial crime concerns. And y’all, this matters because behind every case is a real person. Someone’s retirement. Someone’s trust. Someone’s financial stability. Someone who was manipulated by a criminal network long before the money ever moved. What you’ll hear in this episode:Why fraud as infrastructure changes how we need to think about financial crimeHow organized fraud networks are using scam infrastructure, mule accounts, and crypto money launderingWhy pig butchering scams and social engineering scams are not simple one-off casesWhere financial institutions are making progress in fraud prevention and scam preventionWhy fraud investigations need stronger collaboration across fraud, AML, cybercrime, and law enforcementHow public-private partnerships can help close the gaps criminals are exploitingWhat fraud fighters can take back to their teams as organized fraud becomes more connected Who should listen:Financial institution leaders and fraud professionalsRisk, compliance, fraud and AML, and cybersecurity teamsBSA officers and fraud investigatorsRegulators and policy advisorsPublic-private partnership leadersVictim support and advocacy professionalsAnyone trying to understand how organized fraud impacts real people Fraud does not live in silos, and neither should our solutions.

Payment Fraud Prevention and the Future of Trust

May 21, 2026 54 min

What’s up, fraud fighters, and welcome back to Fraud Forward! I wanted to do something different for our 100th episode. I didn’t want a victory lap. I wanted an honest conversation about payment fraud prevention, where our systems feel fragile, and whether we are building financial infrastructure worthy of public trust. I brought together Karisse Hendrick, Becky Reed, David Maimon, and Jeff Taylor to talk about what fraud fighters are seeing across banking, payments, e-commerce, digital assets, and fraud research. Fraud is moving fast. Payments are moving faster. AI fraud detection and AI fraud prevention are becoming more important every day. Institutions are trying to balance innovation, regulation, speed, and protection all at once. This conversation is not just about payment fraud detection or payment risk management. Behind every account takeover fraud event, business email compromise attack, wire fraud case, ACH fraud prevention gap, or social engineering fraud scheme is a real person, a real business, and a real loss of trust. What you’ll hear in this episode:How faster payments are changing real-time payment fraud preventionWhy payment fraud detection must move beyond isolated incidentsHow AI fraud prevention, AI fraud detection, behavioral biometrics, and device intelligence are changing fraud strategyWhy business email compromise, check fraud, wire fraud prevention, ACH fraud prevention, and account takeover fraud remain major concernsHow digital payment fraud is evolving across banks, merchants, marketplaces, and digital asset railsWhy social engineering fraud continues to exploit trust, emotion, and human behaviorWhat collaboration, fraud education, and payment risk management need to look like moving forward Who should listen:Fraud fighters across banking, fintech, payments, and e-commerceFinancial institution leaders and fraud professionalsRisk, compliance, cybersecurity, and payment operations teamsTeams focused on real-time payment fraud preventionPr...

Future of Fraud Operations: We Can’t Fight This Alone

May 13, 2026 37 min

What’s up, fraud fighters, and welcome back to Fraud Forward! In part one, you heard fraud fighters describe the current state of fraud with words like acceleration, chaos, fractured, and explosive. And honestly, none of those felt exaggerated. But in this episode, I wanted to ask a different question. Not just what fraud feels like right now, but what teams are doing that they are actually proud of. And that is where the conversation shifted. Instead of only hearing about pressure and burnout, I started hearing about collaboration, communication, empathy, innovation, and people who are trying to figure this out together in real time. That is what stood out to me most at Fraud Fight Club this year. Not just the tools. Not just the AI in fraud prevention conversations. Not even just the tactics. The people. This episode is really about the future of fraud operations. And if there is one thing that came through loud and clear, it is this: we cannot fight this alone anymore. What you’ll hear in this episode:Why fraud prevention in banking is becoming more collaborativeHow fraud and AML collaboration is helping teams see more of the full pictureWhy 314(b) information sharing matters in today’s fraud environmentHow fraud prevention strategy is shifting from reactive detection to proactive preventionWhy human-centered fraud prevention and empathy in fraud investigations still matterHow fraud prevention technology and fraud analytics are changing the way teams workWhat fraud prevention professionals are doing right now to build stronger networks You should listen to this episode if:You work in banking fraud detection or fraud risk managementYou are trying to improve fraud decisioning inside your institutionYou care about real-time fraud prevention and operational responseYou want to understand where credit union fraud prevention is headingYou believe collaboration is no longer optional in fraud operations If you liked this episode, be sure to subscribe and review the podca...

The State of Fraud in One Word

May 6, 2026 10 min

What’s up fraud fighters, and welcome back to Fraud Forward! I asked a room full of fraud professionals one question: describe the current state of fraud in one word. And the answers? Acceleration. Chaos. Explosive. Scary. Unmanageable. No one said stable. No one said under control. So in this episode, I’m breaking down what those answers tell us about evolving fraud trends, the current fraud landscape, and the pressure fraud teams are feeling across banking, financial services, and every channel where fraud is moving faster than our systems were built to handle. This isn’t just about the latest fraud trends. This is about fraud attack evolution, AI-driven fraud attacks, organized fraud trends, and the operational reality of trying to protect real people in real time. What you will hear in this episode:A structured breakdown of evolving fraud trends from fraud professionals on the front linesA look at the latest fraud trends shaping banking, payments, and financial servicesInsight into how AI-driven fraud attacks and automation are accelerating scam operationsDiscussion of cross-channel fraud trends, from impersonation scams to social engineering fraud trendsA focused look at fraud operations trends and why teams feel more reactive than proactivePractical fraud prevention strategy insights for adapting to faster, more coordinated attacksA call for stronger collaboration, benchmarking, and shared intelligence across the fraud ecosystem This is one of those episodes where we move from what fraud feels like to what we actually need to do about it. Who should listen:Financial institution leaders and fraud professionalsRisk, compliance, and cybersecurity teamsFraud operations, payments, and product leadersBanking and credit union teams tracking fraud trends in financial servicesIndustry advocates and fraud community membersAnyone trying to understand modern fraud trends and how fast they are changing If you’re in this space and you’ve felt that pressure, this episode is...

There’s No Such Thing as “Just a Teller”

Apr 29, 2026 25 min

What’s up, fraud fighters, and welcome back to Fraud Forward! Before I was sitting in fraud strategy conversations, before I was talking about controls, governance, and layered defenses, before any of this, I was on the teller line. Face-to-face with members. Balancing speed, service, and that gut feeling when something just didn’t sit right. And I’m telling you right now, that experience shaped everything I understand about teller fraud prevention today. Because here’s the reality we don’t talk about enough. We’re building smarter systems. We’re investing in AI. We’re moving toward real-time monitoring and faster payments. And fraud is still scaling right alongside it. The latest IC3 report made that very clear. The numbers are growing. The losses are growing. And if we’re being honest, part of the problem is that we’re underestimating one of the most powerful fraud prevention tools we already have, our frontline. This episode is about resetting that perspective. It’s about recognizing that fraud isn’t just happening in data. It’s happening in behavior. In hesitation. In subtle shifts that no system can fully capture yet. And that is exactly where teller fraud prevention becomes critical. Here is what that frontline-first fraud prevention mindset means in practice:· Recognizing that behavioral signals are often the earliest fraud indicators · Treating frontline staff as active participants in fraud risk management · Bridging the gap between transaction data and real-world interaction · Building fraud prevention strategy around human insight, not just automation What you’ll hear in this episode:· Why teller fraud prevention is one of the most underutilized controls in banking · How frontline fraud detection captures signals that systems miss · A real-world scenario showing how behavioral fraud detection plays out · Why fraud prevention in banking must include human interaction layers · How financial institution fraud controls fail without frontline input You should...

Fraud Fight Club Debrief w/Karisse Hendrick and Jen Lamont

Apr 22, 2026 58 min

What’s up, fraud fighters, and welcome back to Fraud Forward! This Fraud Fight Club recap is one I have been wanting to put down in words because some events are just conferences, and some events remind you exactly why this work matters. This one brought together fraud fighters from across the industry, from brand-new practitioners to people who have shaped this space for years, and it created the kind of honest, useful, human conversations that do not happen nearly enough. This was not just another event where people showed up, swapped business cards, sat through panels, and flew home. Yes, there were sessions. Yes, there were deep dives. Yes, there were a lot of smart people in the room. But what stayed with me was the heart behind it. The honesty. The humility. The willingness to share what is not working, not just what sounds good on stage. In this episode, I sat down with Hailey Windham and Jen Lamont after a packed few days in Charlotte to talk through what stood out, what hit hard, and what still has me thinking. We talked about the sessions, about the conversations happening in the hallways, the sidebars, the debriefs, and the moments that make you stop and think, okay, this industry is changing. We got into the real heart of Fraud Fight Club, the energy behind it, the collaboration, the pattern recognition, and the reminder that anti-fraud collaboration is not a nice idea anymore. It is a requirement. And honestly, this conversation also went somewhere deeper. We talked about scam awareness through the lens of victim stories that were impossible to shake. We talked about first-party fraud and a case that showed what can happen when investigation, collaboration, and persistence all line up. We talked about ghost tapping fraud, chargeback fraud, and the very real sense that fraud fighters are trying to move faster in an environment where fraudsters still have fewer constraints than the rest of us. This is one of those episodes where the big takeaway is not ju...

The Gaps We Create: Controls, Strategy, and Process Misalignment w/ Angela Diaz

Apr 15, 2026 57 min

What’s up, fraud fighters, and welcome back to Fraud Forward! In this episode, I’m sitting down with Angela Diaz to talk about something that sounds simple on the surface, but honestly, it creates more fraud gaps than a lot of teams realize. We throw around terms like controls, strategy, and process all the time in fraud operations. We say them like they mean the same thing. They do not. And when we start treating them like they are interchangeable, that is exactly where things begin to break down. This conversation came directly from Angela, and I loved that immediately because when a practitioner says, “we need to talk about this,” that usually means there is something real happening inside fraud programs right now. And this one is real. I have seen it. You have probably seen it too. Teams are busy, alerts are firing, processes are moving, and yet losses are still getting through. That is usually not because nobody cares. It is because the foundation is off. So this episode is really about getting back to basics in the best possible way. We slow down and separate fraud controls from fraud strategy and from fraud processes, because if we cannot define those correctly, we are going to build the rest of the fraud program on top of confusion. And once that happens, fraudsters do what they always do. They find the gap and they use it. What you’ll hear in this episode:The real difference between fraud controls, fraud strategy, and fraud processesWhy preventative vs detective controls matter more than most teams realizeHow process mapping in fraud helps expose operational fraud gapsWhy control performance monitoring needs to be part of every fraud risk management conversationWhat the Chase check fraud incident shows us about fraud loss prevention controlsHow fraud leaders can tell whether they have a true layered approach or just more stuffWhy fraud monitoring needs to connect back to strategy, not just activityWhere process gaps in banking show up in ATM fraud controls,...

Fraud Forward: Where we’ve been, what I’m building, and what’s next

Apr 8, 2026 23 min

What’s up fraud fighters, and welcome to Fraud Forward! This episode is just me and you, and honestly, that felt right. Fraud Forward has always been about real conversations, but every once in a while, I think it matters to pause, zoom out, and talk peer to peer about where we’ve been, what I’ve been building, and where this work is going next. No guests. No panel. No polished back-and-forth. Just a real check-in on fraud prevention in banking and the decisions that are shaping what comes next. This episode matters because the questions in front of us are getting bigger, not smaller. We are no longer just talking about fraud trends in isolation. We are talking about AI in banking, payment authorization, customer dispute resolution in banks, real-time decisioning, and the governance problems sitting underneath all of it. If you work in fraud, risk, payments, compliance, or digital banking, you already know this is not a future-state conversation. It is here now. And that is really the core of this episode. Fraud prevention in banking is no longer just about identifying bad activity after the fact. It is about whether institutions can make better decisions earlier, with better context, better governance, and better alignment across teams. That is the shift. That is what I have been hearing in conference hallways, seeing in operator conversations, and building toward behind the scenes. I also wanted to make this episode personal because that matters too. I have sat in the practitioner seat. I know what it feels like to defend fraud losses in a boardroom, to get asked how your institution compares to peers, to explain why a rule fired, and to carry the pressure of making the right call with incomplete information. So when I talk about AI agents in banking, banking fraud detection, or responsible AI in banking, I am not talking from a distance. I am talking from the perspective of somebody who knows what it feels like when the operational reality hits the fraud desk fir...

Agentic banking and the future of AI-driven financial control (Part 2)

Apr 1, 2026 32 min

What’s up fraud fighters, and welcome to Fraud Forward! This episode picks right back up in one of the most important places this conversation could go: what happens after we move past the shiny AI headlines and start talking about control, governance, disputes, and real accountability inside financial services. Because that is the real conversation around agentic banking. Not just whether AI in banking is possible. Not just whether customers will use it. But whether banks are ready to govern it responsibly when AI agents in banking start influencing payments, authorization, disputes, and customer trust. What I really appreciated about this part of the conversation is that we did not stay at the hype layer. We got into what agentic payments actually require if institutions want to use them safely. We talked about AI governance in banking, AI transaction monitoring, banking compliance and AI, and what it means to preserve trust when AI banking transactions start happening closer to the customer. And that matters. Because if agentic banking is going to become part of the future of financial services AI, then we have to build it with intention. We have to build it with controls. And we have to make sure trust infrastructure in banking grows with the technology instead of getting left behind by it. What you’ll hear in this episodeHow agentic banking can solve real customer friction in ways traditional digital banking tools often cannotWhy AI agents in banking create new questions around governance, accountability, and controlHow AI payment authorization, OTP checks, and layered safeguards can help make AI banking transactions saferWhy banking compliance and AI need stronger context sharing, better auditability, and clearer ownershipHow AI transaction monitoring may need to evolve from reviewing transactions alone to reviewing prompts, instructions, and agent-led behaviorWhy banking dispute resolution becomes more complex when a customer authorizes an AI agent instead of...

AI transaction monitoring for agentic banking risk

Mar 25, 2026 40 min

What is up fraud fighters, and welcome to Fraud Forward! Today we’re talking about AI transaction monitoring and why it matters so much as agentic banking starts moving from concept to reality. Because once AI agents in banking move beyond simple chat and into actions, payments, and customer instructions, the risk conversation changes fast. This is no longer just about whether AI in banking feels helpful. It is about whether institutions can actually monitor intent. Trace authorization. Support banking dispute resolution. And reduce fraud risk without losing the trust they’ve worked so hard to build. In this episode, I sat down with Tyllen Bicakcic to break down what agentic banking actually means, why it is gaining traction, and why AI transaction monitoring is going to become one of the most important control layers in this entire conversation. What I really appreciated about this discussion is that we did not stay at the hype level. We talked about real use cases. Real banking friction. Real fraud questions. And the very real challenge of how banks can build safer banking with AI without creating new blind spots around governance, payment risk monitoring, and customer trust. And the reality is this. If AI agents are going to influence transactions, then transaction monitoring in banking has to evolve right alongside them. What you'll hear in this episode• What agentic banking actually means and how it differs from traditional AI in banking • Why AI agents in banking create new questions around intent, authorization, and accountability • How AI transaction monitoring can strengthen banking fraud prevention and AI fraud prevention • Why trust infrastructure in banking matters as much as innovation How banks can think about AI governance in banking without rebuilding everything from scratch • Why banking compliance and AI must move together as agentic payments become more practical • How banking dispute resolution changes when an AI agent initiates or influences a...

Payments fraud prevention across the lifecycle: Before, during, and after the money moves

Mar 18, 2026 41 min

What is up fraud fighters, and welcome to Fraud Forward! This is one of those conversations every fraud, risk, payments, and operations leader should hear. We spend a lot of time talking about fraud losses, scam trends, and faster payments. What we do not always unpack is where the real breakdown happens in the payment journey. Does it start at onboarding? Does it show up in authentication? Is speed the issue? Is recovery the problem? Or are institutions still misreading what payment controls are actually designed to do? In this episode, I sit down with Kyle Caldwell from The Clearing House to unpack payments fraud prevention the way teams actually experience it in the real world: Before a payment startsDuring payment initiationAfter the funds are sent Because once the money moves, everything changes. That is the core message of this episode. Payments fraud prevention is not only about the rail. It is about the full lifecycle. Kyle brings a practical perspective to one of the biggest myths in our space. Faster payments are not automatically the cause of more fraud. In many cases, the payment itself is just the final stage of a much earlier breakdown involving identity, compromise, or weak controls. If you work in community banking fraud prevention, credit union fraud prevention, or broader fraud operations strategy, this episode gives you a more useful way to think about risk, controls, and response in a real-time environment. What you’ll hear in this episodeWhy payments fraud prevention needs to begin long before the payment railHow institutions often confuse rail risk with customer compromiseWhere RTP fraud prevention differs from ACH fraud recovery and wire fraud recoveryWhich payment initiation fraud controls exist in real-time payments that many teams overlookHow indemnity and recovery work in the RTP environmentWhy real time decisioning matters more than relying on investigation after the factWhere firms are overbuilt on detection but underprepared on preventi...

Advanced Fraud Solutions Leadership with Ted Josephson Pt. 2: AI Automation, and What’s Coming

Mar 11, 2026 43 min

What is up fraud fighters, and welcome to Fraud Forward! AI is accelerating fraud, 100 percent. But the bigger risk, the thing that should keep every fraud leader up at night, is what happens when fraud teams stop thinking strategically because the queue never ends. In Part 2 of Fraud Forward, I’m back with Ted Josephson, VP of Bank Fraud & Credit Strategy at Synchrony Financial, and we are getting into fraud leadership at the enterprise level, where strategy, AI, automation, and culture collide. Because let me just assure you, fraud prevention at scale requires more than tools. It requires fraud leadership strategies, fraud team leadership that protects time for long-term planning, and strategic fraud solutions that can separate normal fraud noise from the signals of a true fraud shift. Then we get direct about AI. Where it’s delivering real value today, where the industry is still overhyping “AI” that is not actually learning, and why certain decisions, especially first-party fraud, should never be fully automated without human accountability and empathy. And fraud fighters, we close with what Ted thinks is being underestimated right now, and it’s big. Agentic commerce creating a new accountability and disputes nightmare, plus the rise of casual “friendly fraud” as a cultural norm. Because fraud prevention evolution is not just a technology program, it is bank fraud leadership and credit risk leadership in action. This is fraud prevention innovation, and it demands strategic fraud decisions. What you’ll hear in this episode:How enterprise fraud teams protect time for long-term strategy when fraud never stopsWhy planning cannot be an extra, it has to be scheduled like any other critical operating functionHow to tell the difference between normal fraud noise and the signals of a systemic weaknessWhat separates a short-term spike from a true fraud shiftWhere AI is delivering real value today, including consistent case narratives and operational efficiencyWhere the in...

Advanced Fraud Solutions Leadership with Ted Josephson Pt.1

Mar 4, 2026 43 min

What is up fraud fighters and welcome to Fraud Forward. In this episode we sit down with Ted Josephson, VP of Bank Fraud and Credit Strategy at Synchrony Financial, to talk about what advanced fraud solutions leadership really looks like when fraud prevention moves beyond reacting to threats and becomes part of enterprise strategy. Ted’s path into the fraud space did not start in a fraud department. It started in banking operations working branches, call centers, and digital systems. That kind of experience shapes how leaders approach fraud prevention because they understand how financial institutions actually function day to day. And that perspective matters. Because strong fraud leadership is not just about stopping bad transactions. It is about building resilient teams, aligning fraud prevention with credit strategy leadership, and making strategic fraud decisions that protect both customers and institutions at scale. Throughout the conversation we explore how enterprise fraud teams evolve as institutions grow and why fraud leaders must shift from tactical problem solving to long term strategy. In this episode we discuss • How fraud leaders transition from investigators to strategic decision makers • Why enterprise fraud solutions require strong collaboration across fraud, credit, and risk teams • What changes when organizations scale fraud prevention across millions of accounts • Why the language fraud leaders use internally can shape executive decisions • How modern fraud threats require both advanced technology and human judgment This episode is for you if • You lead banking fraud prevention teams and want to strengthen your fraud leadership strategies • You work in credit risk, compliance, or financial crime teams navigating enterprise fraud decisions • You support credit union fraud prevention programs and want insights from large scale fraud organizations • You are building advanced fraud prevention programs and want to understand how leadership drives fra...

Your Fraud Team Is Leaking the Playbook — and LinkedIn Is the Attack Surface

Feb 25, 2026 38 min

Fraudsters aren’t only targeting customers anymore. They’re targeting fraud teams. In this episode of Fraud Forward, Hailey Windham sits down with Jared Gruenberg to explain how fake LinkedIn companies are using Easy Apply and “pre-interview” screening emails to harvest operational intelligence; the exact tools, signals, and investigation workflows that fraud, AML, and compliance teams use to stop bad actors. Jared shares the real-world pattern he found across multiple impersonated companies, including suspicious hiring volume, fake employee profiles, brand-new domains, and fast follow-ups that push candidates to answer detailed technical questions. The goal isn’t just personal data, it’s industry mapping. When attackers collect hundreds of answers from experienced candidates, they can tune their tactics, probe specific vendor controls, and even train themselves to pass recruiter screens. Hailey and Jared also dig into why this works: LinkedIn’s trust factor, the low-friction nature of Easy Apply, and the human reality of burnout, layoffs, and career pressure that makes “two taps on your phone” feel worth it. Topics covered: • How fake LinkedIn companies use Easy Apply as an attack surface • The signals that reveal impersonation and resume-harvesting rings • Why fraud, AML, and compliance resumes are especially valuable • How “technical screening” emails turn into playbook extraction • What attackers can do with aggregated investigator responses • Why burnout and layoffs increase vulnerability, even for experts • Practical steps to protect fraud knowledge and share intelligence safely 🎙 Guest lineup: Jared Gruenberg — Fraud investigator and author of “Your Fraud Team Is Leaking Your Defense Playbook Right Now” Hailey Windham — Host of Fraud Forward & Community Banking Lead, Sardine 👉 Subscribe for more real-world fraud insights from the people closest to the risk.

It’s Always Day One: Rethinking Financial Crime in a Converged World w/ Ari Redbord

Feb 18, 2026 39 min

“It’s always Day One” sounds like a startup cliché… until you hear it from someone who’s spent his career on the front lines of threat finance. In this episode of Fraud Forward, host Hailey Windham sits down with Ari Redbord (Global Head of Policy & Government Affairs at TRM Labs) to unpack how financial crime prevention is evolving as crypto, traditional finance, and AI-driven scams collide. Ari’s path spans federal prosecution in D.C., the U.S. Treasury, sanctions and terrorism financing, giving him a rare view of where policy, investigations, and technology actually meet. Hailey and Ari get real about what “public–private partnership” should mean in practice (spoiler: not more roundtables), and why real-time disruption networks are the model forward. They break down why “crypto crime” is a misleading label, how blockchain transparency changes investigations, and what TradFi still does better when it comes to governance and mature controls. They also dig into the operational reality teams are wrestling with right now: AI moving faster than regulation, scams scaling with generative tooling, and the risk of falling behind if fraud and compliance don’t learn how to harness new tech without losing human judgment. The core takeaway is simple: the threats are moving faster, across more rails, and complacency is the real risk, so the mindset has to stay Day One. Guest lineup: Ari Redbord: Global Head of Policy & Government Affairs at TRM LabsHailey Windham: Host of Fraud Forward and Community Banking Lead at Sardine

KYC Isn’t Broken — We Just Keep Asking It to Do the Wrong Job (with Steve Lenderman)

Feb 11, 2026 43 min

Know your customer (KYC) was never designed to be fraud control, yet fraud programs across the industry treat it like one. In this episode of Fraud Forward, host Hailey Windham sits down with Steve Lenderman, Head of Fraud Prevention at iSolve, for a necessary conversation about what KYC actually does, what it can't do, and why that distinction matters more than ever. Steve and Hailey challenge the assumption that passing KYC means an identity is safe to trust. They explore why every fraud eventually passes KYC, how synthetic identities exploit static verification, and what AI has revealed about the limitations of one-time checks. From the gap between identity existence and identity ownership to the behavioral signals that matter after onboarding, this episode reframes KYC as a starting point, not a solution. The highlights: Why every fraud eventually passes KYCThe gap between identity existence and identity ownershipBehavioral signals that matter after onboardingWhy AI didn't break KYC, rather how it just exposed what was already broken Guest lineup: Steve Lenderman: Head of Fraud Prevention at iSolveHailey Windham: Host of Fraud Forward and Community Banking Lead at Sardine

Agentic Commerce: The Fraud Hotbed No One’s Ready For (with Chen Zamir)

Feb 4, 2026 52 min

Agentic commerce sounds futuristic, until it starts hitting your auth flows, your dispute queues, and your monitoring pipelines. In this episode of Fraud Forward, host Hailey Windham sits down with Chen Zamir, Head of Fraud Strategy at Sardine and Founder of Native Risk, to unpack what happens when AI agents don’t just recommend, they act. They browse, click, checkout, retry, and optimize at machine speed, sometimes with no human in the loop. Hailey and Chen break down the two flavors of agentic commerce (API/MCP-based vs. in-browser agents), then get direct about the fraud pressure that follows any new payment-adjacent product. They dig into the first typologies likely to spike, why “secure protocols” won’t solve the real problems, and the OTP timing trap that makes step-up friction feel irrelevant when the customer is asleep, offline, or busy on purpose. They also cover the downstream damage teams aren’t modeling yet: rising abandonment, risk scores inflated by failed challenges, messier proof of intent, and a stack that struggles to separate agentic flows from everything else. The core takeaway is simple: fraud teams need to identify, route, and manage agent-driven transactions as a distinct channel before the ecosystem forces the issue. Guest lineup: Chen Zamir: Head of Fraud Strategy at Sardine, founder of NativeRiskHailey Windham: Host of Fraud Forward and Community Banking Lead at Sardine

Fraud Isn’t a Silo…It’s a Systems Problem (with Frank McKenna)

Jan 28, 2026 59 min

Fraud programs often measure what is easiest, not what’s most important. In this episode of Fraud Forward, host Hailey Windham welcomes back Frank McKenna for an honest, wide-ranging conversation about the realities fraud leaders are facing today. Frank and Hailey dig into where fraud hides in plain sight, why so many losses are misclassified as credit risk, and how institutions consistently overreact to trends while underinvesting in the fraud already hitting their balance sheets. They explore the role AI is truly playing in fraud today, where it adds value, where it falls short, and why humans must remain firmly in the loop. From loan fraud and credit washing to insider threats, identity overinvestment, and the long-term impact of bad fraud decisions on customers and employees, this episode challenges comfortable assumptions and legacy thinking. It is a candid discussion about what fraud teams need to stop doing, what they need to do differently, and how fraud is becoming an existential issue for financial institutions. Guest lineup: Frank McKenna: Chief Fraud Strategist, Co-Founder at Point PredictiveHailey Windham: Host of Fraud Forward and Community Banking Lead at Sardine Links: Frank on FraudNo Brakes, No Limits. Our Fraud Predictions For 2026 - Frank on Fraud

Fraud at Machine Speed: What 2025 Taught Us About 2026

Jan 21, 2026 1 hr 17 min

Fraud isn’t slowing down, it’s evolving. The Banking on Fraudology podcast is now Fraud Forward, and we’re kicking off the new era with a no-nonsense look at what financial institutions are actually facing on the front lines. In this premiere episode, host Hailey Windham brings together fraud, risk, and BSA leaders from banks and credit unions to separate real signals from industry noise. No hype. No fear-mongering. Just firsthand insight from teams fighting fraud at machine speed. We unpack: What fraud teams saw escalate over the past yearWhich threats are accelerating into 2026Where banks and credit unions remain most exposedHow digital arrest scams, Ghost Tap fraud, and self-adapting AI attacks are changing the gameWhy in-branch controls are making a comeback If you’re responsible for fraud prevention, BSA, risk, or compliance, this episode offers clear, realistic guidance on what to prioritize now, and what needs to change as fraud keeps moving faster. 🎙 Guest lineup: Karen Boyer, SVP, Financial Crimes - M&T Bank Jen Lamont, BSA & Fraud Manager - America’s Credit Union Angela Diaz, Senior Risk Manager, External Fraud Oversight - TD Hailey Windham, Host of Fraud Forward & Community Banking Lead - Sardine 👉 Subscribe for more real-world fraud insights from the people closest to the risk.

Leveling Up for Impact: My Big News and the Future of Banking on Fraudology

Dec 17, 2025 9 min

This is a legacy episode from Banking on Fraudology, originally published on December 17, 2025. In this episode of Fraud Forward (formerly Banking on Fraudology), Hailey Windham reflects on her journey in the industry by sharing big news and zooming out to address the "seismic shift" this change represents for her career and the community. Hailey officially announces she has joined Sardine as their Community Lead for Banking The conversation dives into the industry's evolution, highlighting how shared learning, cross-institution conversations, and an authentic community are shaping the future of fraud prevention.

Bonus Episode — Building Smarter, Not Harder: Using AI to Eliminate Fraud’s Busy Work with Ben Graf

Dec 12, 2025 31 min

This is a legacy episode from Banking on Fraudology, originally published on December 12, 2025. In this episode of Fraud Forward (formerly Banking on Fraudology), Hailey Windham talks with Ben Graf, a self-taught AI expert in the neobank space. The conversation dives into what it really looks like to learn AI from the ground up, emphasizing that the future of fraud prevention isn't about replacing people, but empowering them through technology.

The Fraud Stories That Defined 2025 — And the Payment Shifts That Will Define 2026

Dec 10, 2025 19 min

This is a legacy episode from Banking on Fraudology, originally published on December 10, 2025. In this episode of Fraud Forward (formerly Banking on Fraudology), Hailey Windham reflects on a transformational year in fraud by unpacking recent, high-stakes cases and zooming out to address the "seismic shift" in the payment ecosystem. Hailey covers the industry's evolution, highlighting how human intuition, technology, and a unified view of risk are shaping the future of fraud prevention.

Building a Unified Front Against Human Crime: The Knoble’s Mission, Momentum & Moment of Need

Dec 3, 2025 46 min

This is a legacy episode from Banking on Fraudology, originally published on December 3, 2025. In this episode of Fraud Forward (formerly Banking on Fraudology), Hailey Windham welcomes back Ian Mitchell, founder of The Knoble, to delve into the organization's critical mission, its global impact, and the urgent need for community support. The conversation centers on the concept of "human crimes," a focus area for The Knoble, which includes human trafficking, child exploitation (especially online exploitation of children), scams, and elder financial exploitation. Banks are in a powerful position to detect and disrupt these financially motivated crimes proactively. Ian's message to fraud fighters and leaders is to "live with heart" and to remember that they are in the people business. He encourages listeners to get involved in The Knoble's free network and consider sending a team member to the Human Crime Specialist Program.

A Giant Serving of Gratitude: Thanksgiving Special on Empathy, Collaboration, & the Future of Fraud Fighting

Nov 26, 2025 20 min

In this reflective and gratitude-filled episode of Banking on Fraudology, Hailey Windham takes a moment to step back and appreciate the people and themes shaping the fight against fraud, delivering a "giant serving of gratitude" for the community. The conversation dives into the industry's evolution, highlighting how innovation and collaboration are aligning to create a powerful, transformative moment in fraud prevention. Hailey also shares personal highlights from a recent major industry event and spotlights the leaders who are making a significant impact. Key Takeaways: Gratitude, Collaboration, and the Future of Fraud Fighting Empathy is Not Optional: Hailey stresses that empathy must be recognized as a core fraud prevention strategy. Inspired by Kathy Stokes of AARP and the "Words Matter campaign," the episode emphasizes that if we shame victims, we protect fraudsters, and we must talk about victims with dignity.The End of Siloed Intelligence: Collaboration is no longer optional; we fight better when we fight together. Hailey discusses conversations with innovators like Robbie from Sardine, who advocate for collective intelligence, shared signals, and bringing smaller institutions into the fold.Innovation is Working For Us: Drawing on insights from Andrea at Old Glory Bank, Hailey asserts that this is the best time to fight fraud, as technology, data, and awareness are aligning, and tools are evolving quickly. Fraud fighters should start embracing tech and AI resources.Spotlight on Industry Leaders: Hailey expresses gratitude for the impact of numerous leaders, including Jen (America's Credit Unions) for empowering frontline teams with quarterly fraud trainings, Mark Solomon (IAFCI) for his global perspective , and Trisha Stoner (Carolinas Chapter IAFCI) whom Hailey is honored to serve as Second VP under.Honoring Courage and Legacy: The episode shares moving highlights from the Carolinas IAFCI Conference, including the creation of a Community Service Award and t...

The Next Evolution of Fraud Defense: Unlocking Collective Intelligence with Sonar AI (with Ravi Loganathan)

Nov 19, 2025 39 min

Banking on Fraudology is presented by Sardine.ai. In this episode of Banking on Fraudology, Hailey Windham sits down with Ravi Loganathan, Co-founder and President of Sonar AI and Head of Banking and Policy at Sardine. Ravi, who has over 20 years in banking and consortium work with institutions like Early Warning Services, Zelle, and Bank of America, has been leading the charge at Sardine to make intelligent sharing accessible and actionable for all institutions. The conversation dives deep into the concept of collective intelligence, which Ravi describes as a "must-have" in the age of accelerating AI-driven scams. Fraudsters exploit information sharing gaps by jumping from one institution (like a fintech) to another (like a large regulated bank), making an ecosystem-wide defense essential. Key Takeaways: Unlocking Collective Intelligence with Sonar AI The Sonar AI Origin Story: Sonar AI was kickstarted three years ago by a group of banks and fintechs to fill a critical gap: the lack of infrastructure for real-time risk information sharing when funds movement or instant settlement is authorized. This was driven by the need to combat authorized push payment (APP) fraud, particularly concerning the lack of insights on the recipient.How Sonar AI Works: Sonar AI is an industry utility. Before an institution authorizes a fund movement or account opening, they can inquire into Sonar on the entity conducting the transaction. Sonar returns curated signals (often simplified to "high, medium, low" risk, block list status, etc.) for the institution to augment their existing risk decisioning process. In return, the institution provides feedback, benefiting the next inquiring member.Regulatory Foundation: Sonar AI is built on a strong regulatory framework, having worked with FinCEN to receive 314(b) designation to form an association of financial institutions. It also facilitates broader fraud signal sharing under the Gramm-Leach-Bliley Act (GLBA).Empowering Smaller FIs: Sonar A...

Bonus Episode — Why Now Is the Best Time to Fight Fraud (w/ Andrea Valentin)

Nov 14, 2025 22 min

In this powerful bonus episode of Banking on Fraudology, Hailey Windham sits down with Andrea Vallentine, Senior Vice President of Fraud and Risk at Old Glory Bank. The conversation dives deep into Andrea's genuinely excited perspective that "this might actually be the best time to be fighting fraud". We explore the rising momentum of collaboration and shared learning that is unifying the industry against fraudsters. Key Takeaways: Collaboration, AI, and Empathy in Fraud PreventionThe Power of Collaboration: Andrea highlights the exciting activities and investments from groups like Fraud Fight Club, Operation Shamrock, and House of Fraud. The focus is shifting from selling products to learning, educating, and collaborating. The AI Perspective: The industry is moving past fear, recognizing that AI has been around for a long time. The recent AI explosion has gotten people more open to listening, realizing they are already using smart technologies in areas like transaction scoring (e.g., Falcon) and link analysis. A Shift to Purpose: Collaboration is increasing because the industry now recognizes the emotional devastation and human impact of fraud. The focus has moved beyond competing to a shared mission of working together "against the fraudsters". Tips for Smaller Teams (Leveraging AI): Andrea recommends that smaller teams use AI (like ChatGPT) to draft summaries, create templates, and refine procedures. This allows teams to find holes in their processes and generate new ideas without using sensitive PII. The Human Side of Design: Empathy is shaping the next generation of fraud design. Using machine learning to identify patterns of customer friction , and giving real-life stories to team members, helps move them out of "robot mode" and focus on the customer experience. Andrea's Final Thought: AI is not scary, and we have been using it forever in things like marketing suggestions on Amazon. She encourages everyone to get involved and leverage the wealth of e...

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BSA Regulation and Fraud: Bridging the Gap, with Nyla Cortes

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Podcast details

Created by: Hailey Windham
Status: Active
Latest episode: Nov 11, 2026
Episodes: 128
Release period: Weekly
Avg. episode length: 40 min
Explicit: No
Language: English

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