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.
Fraud Forward
Claim This Podcastby Hailey Windham
110 episodes
Updated Daily
Accepts GuestsHas SponsorsLocation 🇺🇸
Podcast Overview
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.
Language
🇺🇲
Publishing Since
5/1/2024
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Recent Episodes
July 8, 2026
Inside Deconflict: Bridging Law Enforcement and Banking
<p>What’s up fraud fighters, and welcome back to Fraud Forward!</p><p>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.</p><p>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.</p><p>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.</p><p>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. </p><h2><strong>What you’ll hear in this episode:</strong></h2><ul><li> Why financial crime deconflict matters for banks, credit unions, fintechs, and law enforcement</li><li>How the Deconflict platform helps connect investigative intelligence across financial crime cases</li><li>Why money mule networks, pig butchering scams, romance scams, and BEC fraud require cross-institutional visibility</li><li>Where 314(b)d information sharing fits into the larger fraud response conversation</li><li>Why financial institution fraud prevention cannot stop at the edge of one institution’s data</li><li>How law enforcement data sharing can help fraud fighters move from isolated cases to connected intelligence</li><li>What teams can take back to think differently about collaboration and case escalation</li></ul><br/><h2> <strong>You should listen to this episode if you:</strong></h2><ul><li>Work in fraud, BSA, AML, investigations, or financial crime intelligence at a bank or credit union</li><li>Are trying to improve financial institution fraud prevention without adding more disconnected alerts</li><li>Support fraud response for scams, mule activity, business email compromise, or suspicious account movement</li><li>Want a better way to think about law enforcement data sharing and investigative collaboration</li></ul><br/>
July 1, 2026
From Liability to Visibility: The Real Story Behind NACHA Phase 2
<p>What’s up fraud fighters, and welcome back to Fraud Forward!</p><p>Today we are talking about <u><a href="https://www.sardine.ai/media/fraud-forward/episodes/ach-compliance" rel="noopener noreferrer" target="_blank">ACH compliance</a></u>, 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.</p><p>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. </p><p>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.</p><p>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.</p><p>Fraud does not live in silos. Neither should ACH fraud prevention.</p><h2><strong>What you’ll hear in this episode:</strong></h2><ul><li>Why NACHA Phase 2 is about intentionality, not just technology</li><li>What changed in the final Nacha ACH rules and why that flexibility matters </li><li>How ACH compliance applies to community banks and credit unions now in scope</li><li>Why layered controls do not always mean buying another vendor solution </li><li>How false pretenses fit into ACH fraud detection and ACH fraud prevention </li><li>Why RDFI compliance and ODFI compliance require clear ownership across teams</li><li>What examiners may expect when reviewing your ACH compliance program</li><li>Five questions every institution should ask about ACH fraud documentation</li></ul><br/><h2><strong>You should listen to this episode if:</strong></h2><ul><li>You work in fraud operations, payments compliance, ACH operations, BSA, AML, or treasury management</li><li>Your institution is working through NACHA Phase 2 implementation</li><li>You are trying to understand ACH examiner expectations without overbuilding your program</li><li>You serve a community bank or credit union and need practical ACH compliance guidance</li><li>You want to move from a liability mindset to a visibility mindset in payments fraud </li></ul><br/><p>If you liked this episode, be sure to subscribe and review the podcast on iTunes, Spotify, YouTube, or wherever you listen to podcasts. </p><p></p>
June 24, 2026
The Hidden Infrastructure Behind Modern Money Movement
<p>What’s up fraud fighters, and welcome back to Fraud Forward:</p><p>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 <u><a href="https://www.sardine.ai/media/fraud-forward/episodes/hidden-fraud-infrastructure" rel="noopener noreferrer" target="_blank">hidden fraud infrastructure</a></u>.</p><p>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.</p><p>And here is the thing: fraud does not live in silos, and neither does the infrastructure that moves money.</p><p>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.</p><p>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.</p><h2><strong>What you’ll hear in this episode:</strong></h2><ul><li>How Dodd-Frank and post-crisis regulation helped shape the fintech ecosystem we know today</li><li>Why banks stepping away from certain customer needs opened the door for fintech growth</li><li>What the pre-vendor world looked like for fraud and compliance teams building tools from scratch</li><li>Why fraud vendor infrastructure, orchestration layers, and fraud consortium data changed the way teams manage risk</li><li>What fraud teams miss when they hear “one API” and assume payment infrastructure is simple</li><li>How payment rail reversibility, ACH fraud, Reg E fraud, and tokenized credentials create hidden operational risk</li><li>Why global USD accounts and global money movement require strong digital fingerprinting and risk-based controls</li><li>How agentic AI fraud tools may reshape investigations, fraud operations, and human review over the next five years</li><li>Why the “front door” is one of the most important places to invest when building a fraud program</li></ul><br/><h2><strong>You should listen to this episode if you:</strong></h2><ul><li>Work in fraud operations, payments, fintech, banking, risk, or compliance</li><li>Want to better understand the hidden fraud infrastructure behind modern payments infrastructure</li><li>Are evaluating fraud tooling, fraud vendor infrastructure, or payment orchestration partners</li><li>Need a clearer view of payment rail reversibility, ACH reversibility, Reg E fraud, or global money movement risk</li><li>Are thinking about agentic AI fraud, AI fraud agents, digital fingerprinting, and where humans should remain in the loop</li></ul><br/>
110 total episodes available
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- What is Fraud Forward?
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This podcast updates daily.
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This podcast is available on 4 platforms including Apple Podcasts, Spotify, and more. You can also use the RSS feed directly.
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Yes, this podcast regularly features guests.
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