In this episode of Behind Enemy Lines: Conversations with Fraud Fighters, host Michael Lefleur sits down with Dr Nicola Harding, Criminologist and Founder of The Financial Crime Lab. They explore the real-world impact of scams and fraud, with a sharp focus on how human behavior shapes both the crime and the response.

Nicola explains why understanding the mindset of victims matters just as much as tracking the tactics of fraudsters. She shares stories from the front lines, showing how shame and fear can stop people from seeking help. Nicola argues for a new approach that treats victims with empathy, not suspicion. She also breaks down how scammers exploit trust and routine, making even the most careful people vulnerable.

Together, Michael and Nicola discuss how banks and financial institutions can improve prevention without losing the human touch. Their conversation offers practical steps for shifting blame away from victims and building defenses that reflect how people actually live and bank.

Guest-at-a-glance
💡 Name: Dr Nicola Harding
💡 What they do: Criminologist and Founder
💡 Company: The Financial Crime Lab
💡 Noteworthy: Known for research on fraud victim experiences and practical advice to help banks support people targeted by financial crime.
💡 Where to find her: https://www.linkedin.com/in/dr-nic/