Miguel Navarro (KeyBank) and Angela Diaz (Senior Risk Manager, external fraud oversight) on where fraud teams are actually falling behind on AI, and what it costs them.

They cover:

• Why reading about AI isn't the same as using it, and where to start
• How deepfake scams work outside the bank's visibility — and why that makes them so hard to catch
• The difference between managing risk and avoiding it
• Why collaboration is the most underrated fraud strategy in financial services
• How to build an AI governance framework that lets your institution move with confidence

Today is the worst AI will ever be. The teams that treat that as a reason to wait are going to have a hard time catching up.

Fraud Fight Club is an independent fraud prevention community. This episode is sponsored by Inscribe, the AI platform banks and fintechs use to detect document fraud and verify income at scale. Learn more at inscribe.ai.

Frank McKenna and Marc Evans come at fraud from opposite ends -- data and the street -- and land in the same place.

Description (both platforms):Frank McKenna is Chief Fraud Strategist at Point Predictive and author of the Frank on Fraud blog. Marc Evans is a detective, Certified Fraud Examiner, and founder of Fraud Hero, with 14 years in law enforcement. They approach fraud from completely different vantage points -- Frank from the data side, Marc from the street level -- and keep arriving at the same conclusion: the human element is what holds it all together.

Recorded live at Fraud Fight Club Round 3, this conversation covers the first-party fraud misclassification problem (Frank's estimate: up to 70% of early payment defaults in auto lending contain fraud that never gets called fraud), what generative AI actually means for fraud teams, and why Marc keeps coming back to the same point: fraud is not just a tech problem. It's a human problem.

Frank's hot take: AI will create more fraud analyst jobs, not fewer. More coverage, more complexity, more demand. Marc's angle is complementary: technology evolves on both sides, but knowledge and education are durable in a way that any specific tool is not.

Topics covered:

• Will AI replace fraud analysts?
• First-party fraud and early payment default misclassification
• Generative AI and the future of fraud operations
• Real-time intelligence sharing between lenders and law enforcement
• What makes a fraud determination hold up in court

Freddy Massimi is a Fraud Analytics Analyst at Live Oak Bank, a certified human trafficking investigator, and a fraud professional who has spent his career following financial patterns to their human consequences.

In this conversation from Fraud Fight Club Round 3, Freddy traces his path from third-shift debit card fraud at BB&T to elder abuse investigations, human trafficking certification, and now AI-powered document fraud detection. He talks about what the link between financial crime and human exploitation actually looks like in the data — and why fraud teams that understand that connection are better equipped across the board.

He also shares a case that changed how he thinks about the job: a pig butchering victim who told him she was planning to end her life. "Trust your gut. Treat every customer like your grandparent."

On the technology side: Freddy uses Inscribe at Live Oak Bank to detect AI-generated documents. He's seen the forgery market firsthand — pay stubs available for $10, IDs that pass visual inspection, documents generated by AI tools that leave almost no trace for human reviewers.

Topics covered:

• AI-generated document fraud and detection
• Pig butchering scams and investment fraud
• Human trafficking and financial crime
• Elder abuse and fraud victim support
• Fraud analytics at community banks

Tracy Hall lost over $300,000 to a romance scammer. For the first two years, shame kept her silent — the same shame that keeps most victims from coming forward.

She's now an author, speaker, and fraud victim advocate. She co-authored a language guide with the Australian government to change how fraud is reported in the media. One of the nine principles: never say a victim "lost" money. Money was stolen.

At Fraud Fight Club Round 3, Tracy talks about why the language around fraud matters, what it takes to rebuild after financial and emotional devastation, and why she keeps showing up for people who don't yet have their own strength.

Topics covered:

• Romance fraud and pig butchering scams
• Fraud victim advocacy and support
• Media language and how we talk about scams
• Shame, silence, and survivor recovery
• Women in fraud prevention and awareness

Amy Davis leads fraud investigations for US Card at Capital One — a role that spans external fraud rings, internal fraud, coordinated scam events, and law enforcement. At Fraud Fight Club Round 3, she shared a framework for making the case for proactive fraud testing inside large institutions, and how her team approaches defenses that can't afford to stay static.

She also offered one of the more clarifying frames on fraud organization: there are only four fraudsters in the world, and everyone else is working for those four. From supply chains to call centers to help desks — the infrastructure is real, and it's watching your thresholds.

Topics covered:

• Proactive fraud testing and red-teaming
• Organized crime and fraud supply chains
• AI-enabled fraud and scam detection
• Internal fraud investigations
• Fraud strategy at large financial institutions

Denise Schott manages fraud operations at Regions Bank, overseeing customer claims, fraud detection, and new account screening. With nearly 30 years in banking fraud — including time at JPMorgan Chase going back to its Bank One days — she's seen the field change significantly.

In this conversation from Fraud Fight Club Round 3, Denise talks about the career practice that's served her most: rotating roles every five to six years to stay sharp and invite outside perspective.

She also covers the shift from loss prevention to customer experience balance, the rise of payment fraud targeting consumers directly, and why check fraud isn't going anywhere. It's currently running 2-3x higher than pre-2021 levels.

Topics covered:

- Fraud operations leadership and team structure

- Balancing fraud prevention with customer experience

- Payment fraud and business email compromise (BEC)

- Check fraud trends in 2025 and beyond

- Career development in banking and fraud

Fraud detective and Fraud Hero founder MarC Evans joins hosts Inscribe CEO Ronan Burke and Head of Marketing to explore one of the most overlooked gaps in fraud fighting — the space between catching fraud and prosecuting it.

Marc draws on more than a decade of investigative experience to explain why cases fall apart, how AI is supercharging document fraud, and why the most important question in the industry isn't "how do we recover?" but "how do we stop this before it starts?"

If you work in fraud, risk, or financial services, this one is worth your full attention.

Hear more episodes at inscribe.ai/podcast

As banking becomes fully digital, the fraud landscape is changing fast.

In this episode of Good Question, Inscribe CEO Ronan Burke speaks with two leaders tackling fraud in very different environments: Hua Li, Head of Payment Risk at TikTok, and Angela Diaz, a senior fraud risk leader formerly at Discover.

Their conversation reveals how digital platforms and traditional banks now face many of the same challenges — from account takeover to document fraud to AI-enabled attacks.

They discuss:

- How fraud works in TikTok’s creator payment ecosystem

- Why first-party fraud and social engineering are rising

- How AI is making fake documents harder to detect

- The shift from branch banking to digital identity verification

- Why behavioral anomaly detection may become the most important fraud defense

The takeaway: as banks race to build fintech-like digital experiences, they are inheriting the same fraud risks — and must rethink how trust is established online.

AI is changing fraud at scale: More fake documents, more synthetic identity attempts, and more “distraction volume” for risk teams. In this episode of The Good Question Podcast, Ronan Burke (CEO & Co-founder, Inscribe) sits down with Laura Speakman (Co-founder & President, Alloy) to break down insights from their latest fraud reports—Alloy’s view across 600+ banks, credit unions, and fintechs, and Inscribe’s lens on document fraud.They cover:+ Why fraud detection is shifting from onboarding to post-origination+ What AI changes most: volume vs sophistication+ Synthetic identity, first-party fraud, and why categorization is getting harder+ Credit unions and regional institutions: why fraud pressure is rising+ What “holistic, multi-layered fraud prevention” actually looks like+ Agentic AI for fraud teams: cutting false positives and speeding investigationsIf you’re in fraud, risk, compliance, or fintech leadership, this is your 2026 briefing.Explore the reports:+ Alloy’s 2026 State of Fraud Report — https://www.alloy.com/reports/fraud-report-2026+ Inscribe’s 2026 State of Document Fraud Report — https://www.inscribe.ai/resources/podcast/fraud-trends-defining-2026?utm_source=youtube&utm_medium=organic+video&utm_campaign=alloy+podcastSubscribe for more conversations on fraud, AI, and trust.#FraudPrevention #AIinFraud #Fintech #DocumentFraud #IdentityVerification #SyntheticIdentity #RiskManagement #Banking #CreditUnions #FraudDetection #AML #KYC #KYB #Compliance #AIAgents

Fraudsters are using AI to look legitimate: polished websites, convincing call scripts, and AI-generated documents are becoming the norm.

In this episode of Good Question, Inscribe CEO Ronan Burke sits down with Anurag Puranik, Chief Risk Officer at Coast, to discuss how fraud strategies must evolve in the AI age.

They cover:

• Why traditional fraud signals are breaking down

• The rise of AI-generated and templated document fraud

• How Coast catches fraud at onboarding—not after

• Moving from surface checks to document provenance and metadata

• Using agentic AI to unify fraud and credit signals

• Why human-in-the-loop decisioning still matters for regulated lenders

This conversation is essential listening for fraud, risk, credit, and compliance leaders planning their 2026 strategy.

Subscribe for more conversations on fraud, AI, and trust in financial services, or visit inscribe.ai to learn more!

#FraudPrevention #FraudDetection #AIinFinance #Fintech #RiskManagement #DocumentFraud #CreditRisk #Underwriting #AI #FinancialServices