“Fraudsters are preying on human emotion… and it clearly works.”

Scams are becoming more personal, more emotional, and more sophisticated. In this episode, we explore how social engineering, investment scams, and “crime-as-a-service” are reshaping the fraud landscape, and why awareness and collaboration are our strongest defences.

Our special guests this week are Jessie Apple, Group Head of FinCrime Compliance & Risk and UK MLRO at Wise, Co-Chair, ACAMS UK Chapter and Aaron Wilson, Product Leader, Fraud & Victim Prevention at Wise, who share how the company partners with law enforcement, regulators, and even social media platforms to stop scams before they spread.

From reimbursement reform and data sharing to real-time intelligence and public awareness, this conversation reveals how financial institutions can fight scams collectively, and what it really takes to protect people in a connected world.

AML Fundamentals Course: https://sumsub.com/courses/aml-fundamentals/

Sumsub's website: sumsub.com

Sumsub’s What The Fraud Summit: https://sumsub.com/wtf-summit/

Sumsub's LinkedIn: linkedin.com/sumsub

Sumsub's Instagram: instagram.com/sumsubcom

Sumsub on X: x.com/Sumsubcom

Sumsub's YouTube Channel: youtube.com/@sumsubcom

Thomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniuk

Jessie Apple on LinkedIn: linkedin.com/in/aarwilson

Aaron Wilson on LinkedIn: linkedin.com/in/jessie-apple-67aa179

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"The main thing that agentic AI is going to be good at is pulling together data from multiple sources… metadata, images, device intelligence, and reconciling it to spot subtle fraud signs humans might miss.”

As fraud grows more sophisticated, financial institutions are turning to agentic AI: systems that don’t just analyse data, but act on it to detect and prevent fraudulent activity at scale.

In this episode, we explore how these AI agents are reshaping compliance and fraud prevention, and what that means for human oversight and operational efficiency.

Our special guest this week is Will Lawrence, CEO and co-founder of Greenlite AI. He shares insights on how his company’s AI agents tackle high-volume fraud, reconcile unstructured and structured data, and free investigators to focus on high-risk, complex cases.

From false positives and synthetic identities to regulatory compliance and emerging fraud vectors, this conversation highlights how businesses can adopt AI responsibly while maintaining trust and accountability in their operations.

Sumsub's website: sumsub.com

Sumsub’s What The Fraud Summit: https://sumsub.com/wtf-summit/

Sumsub's LinkedIn: linkedin.com/sumsub

Sumsub's Instagram: instagram.com/sumsubcom

Sumsub on X: x.com/Sumsubcom

Sumsub's YouTube Channel: youtube.com/@sumsubcom

Thomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniuk

Will Lawrence on LinkedIn: https://www.linkedin.com/in/lawrencewill

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“Trust may sound soft, but in practice it’s the hardest currency there is… and in a world of AI, bots, and fraud, trust can make or break a platform.”

As AI grows more complex and cybercriminals more sophisticated, the need to earn and protect trust has never been greater. In this episode, we dive into why trust is at the centre of digital identity, how businesses can build it, and what happens when it breaks.

Our special guests this week are Eddie Moxon-Garcia, Product Marketing Lead at Sumsub, and Nikolai Suhharnikov, Head of Technical Presales at Sumsub. Together they share insights from working with some of the world’s largest companies on fraud protection, verification, and identity.

From synthetic IDs and deepfakes to regulation, transparency, and reusable digital identity, this conversation explores how businesses, regulators, and users can meet in the middle to create trust online.

Sumsub's website: sumsub.com

Sumsub’s What The Fraud Summit: https://sumsub.com/wtf-summit/

Sumsub's LinkedIn: linkedin.com/sumsub

Sumsub's Instagram: instagram.com/sumsubcom

Sumsub on X: x.com/Sumsubcom

Sumsub's YouTube Channel: youtube.com/@sumsubcom

Thomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniuk

Eddie Moxon-Garcia on LinkedIn: linkedin.com/in/eddiemoxongarcia

Nikolai Suhharnikov on LinkedIn: linkedin.com/in/nikolai-suhharnikov-8a122b182

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Season 4 of What The Fraud is coming this month.

As AI gets more complex, and cyber-criminals keep finding new ways to exploit it, these conversations matter more than ever.

Join host Thomas Taraniuk as he speaks to the people in the know - the experts, the insiders, the ones on the front line, to unpack the big questions, cut through the noise, and make sense of the biggest issues in digital fraud.

Don't want to miss an episode? Follow the show now.

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“You don't need to hack an Uber, you just need €200 and a Telegram account, and you can just buy the whole new profile.”

The cars we drive and rent are now becoming a new frontier for cyber crime.  From ghost drivers and fake IDs to money laundering and QR-code scams, the mobility space is facing a new wave of digital threats.

Our special guest this week is Karolina Kausylaite, Compliance Manager at Tesla Financial Services and an expert in anti-money laundering.  She’s worked at PPRO, N26 and Danske Bank, tackling financial crime from multiple angles. 

On this episode she helps us understand how criminals exploit modern vehicle services and what the industry must do to stay ahead.

Sumsub's website: sumsub.com  

Sumsub’s What The Fraud Summit: https://sumsub.com/wtf-summit/

Sumsub's LinkedIn: linkedin.com/sumsub 

Sumsub's Facebook: facebook.com/sumsub 

Sumsub's Instagram: facebook.com/sumsubcom 

Sumsub's YouTube Channel: youtube.com/@sumsubcom  

Thomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniuk  

Karolina Kausylaite on Linkedin: https://www.linkedin.com/in/karolina-kausylaite

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“In the tech space, in the platform space, there are a ton of other disruptive brands out there. So if you're not keeping your customers safe, if you're not protecting their trust, there are other options for them to go to.”

We often talk about the risks fraud poses to your trust, your customers, and your bottom line. But there can be upsides to strong security — and in this episode we discuss how trust can become your company’s competitive edge.  

The rapid growth of AI is offering businesses all sorts of opportunities, but it also brings new challenges. So, the time is now to build trust at every level of your company, giving customers the confidence to take on new technologies. 

Our guest this week is Carolyn Fox — Director of Trust & Safety at the global tech leader TELUS Digital.

With years of experience working at some of the biggest names in technology including Yelp and Snapchat, Carolyn knows how crucial trust can be to a company's success and why it can be one of the most important functions that your business can build. 

Sumsub's website: sumsub.com  

Sumsub’s What The Fraud Summit: https://sumsub.com/wtf-summit/

Sumsub's LinkedIn: linkedin.com/sumsub 

Sumsub's Facebook: facebook.com/sumsub 

Sumsub's Instagram: facebook.com/sumsubcom 

Sumsub's YouTube Channel: youtube.com/@sumsubcom  

Thomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniuk  

Carolyn Fox on Linkedin: https://www.linkedin.com/in/Carolyn-Fox 

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In our second episode of What the Fraud?, recorded live at Money20/20 Europe in Amsterdam, we dive into how leading fintech voices are tackling the growing challenge of sophisticated, borderless fraud. From embedding fraud controls early to leveraging AI and cross-team collaboration, our guests share invaluable insights into balancing security with seamless customer experience.

In this episode, you’ll hear from:

• Spencer Hanlon, COO at Nium – on the relentless nature of fraud prevention, staying in the “centre lane” of risk appetite, enhancing real-time detection with AI, and building trust-based partnerships to mitigate external risks.
• Clarena Furtado, Head of Online International Business at PagSeguro – on the power of robust, AI-driven risk management and trusted local partnerships to minimize fraud exposure.
• Ian Morrin, Head of Payments & Platforms at Tink – on why industry-wide collaboration is key to defending against ever-evolving fraud threats.
• Darek Paleczny, Chief Risk & Compliance Officer at Worldline – on why fighting fraud isn’t a one-size-fits-all effort, and how governance, integrated systems, and adaptability are crucial.

Sumsub's website: sumsub.com  

Sumsub’s What The Fraud Summit: https://sumsub.link/caj 

Sumsub's LinkedIn: linkedin.com/sumsub 

Sumsub's Facebook: facebook.com/sumsub 

Sumsub's Instagram: facebook.com/sumsubcom 

Sumsub's YouTube Channel: youtube.com/@sumsubcom  

Thomas Taraniuk on LinkedIn: https://www.linkedin.com/in/tomtaraniuk/ 

Spencer Hanlon on LinkedIn https://www.linkedin.com/in/spencerhanlon/ 

Clarena Furtado on LinkedIn: https://www.linkedin.com/in/clarenafurtado/ 

Ian Morrin on LinkedIn: https://www.linkedin.com/in/ianmorrin/ 

Darek Paleczny on LinkedIn: https://www.linkedin.com/in/darek-paleczny-llb-hons-cams-55398754/

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In this special episode of What the Fraud?, recorded at Money20/20 Europe in Amsterdam, we sit down with five senior leaders shaping the future of modern banking, payments, and risk. From AI-driven fraud to embedded finance, evolving identity threats, and shifting regulatory demands, we unpack how today’s banking and compliance leaders are building trust while continuing to innovate.

You’ll hear from:

• Mitch Trehan, Chief Compliance Officer at Allica Bank, on designing a fraud-resilient lending experience for SMEs—without slowing down credit decisions.
• Daniele Tonella, Chief Technology Officer at ING, on leveraging AI and cloud infrastructure to future-proof large-scale banking systems while keeping digital channels secure.
• Katherine Yeung, Chief Risk & Compliance Officer at 10x Banking, on embedding compliance into the foundation of cloud-native banking, and how to stay agile in regulated environments.
• David McHenry, Managing Director, Head of Global Treasury & Payments Advisory – UK at HSBC Innovation Bank, on the changing landscape of payments, liquidity, and fraud monitoring for high-growth businesses.
• Lee McNabb, Head of Group Payment Strategy at NatWest, on the risks embedded finance introduces, and how payments strategy is evolving from cost center to growth engine.

Each guest offers a sharp, practical perspective on how financial institutions are modernizing without sacrificing security, speed, or trust.

Sumsub's website: sumsub.com  

Sumsub’s What The Fraud Summit: https://sumsub.com/wtf-summit/

Sumsub's LinkedIn: linkedin.com/sumsub 

Sumsub's Facebook: facebook.com/sumsub 

Sumsub's Instagram: facebook.com/sumsubcom 

Sumsub's YouTube Channel: youtube.com/@sumsubcom  

Thomas Taraniuk on LinkedIn: https://www.linkedin.com/in/tomtaraniuk/ 

Mitch Trehan on LinkedIn: https://www.linkedin.com/in/mitchtrehan/ 

Daniele Tonella on LinkedIn: https://www.linkedin.com/in/daniele-tonella-6867023/ 

Katherine Yeung on LinkedIn: https://www.linkedin.com/in/katherine-yeung-a7b1786/ 

David McHenry on LinkedIn: https://www.linkedin.com/in/davidrmchenry/ 

Lee McNabb on LinkedIn: https://www.linkedin.com/in/lee-mcnabb-17953888/

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“Imagine a campus with 35 buildings, but they are all for the purpose of scamming. It was a walled in, locked down facility where hundreds, thousands of people were in the business of scamming people all over the world.”

Pig Butchering scams have become some of the most lucrative online frauds around. These are highly organized, emotionally manipulative schemes where victims are tricked into handing over life savings, often after forming fake romantic relationships with their scammers. Since 2020, more than 75 billion dollars could have been stolen from victims worldwide.

On this week’s episode we hear from someone on the frontline investigating and shutting down these pig butchering scams. She’s seen the inside of scam factories to show us exactly how they carry out their lucrative crimes. 

Our guest, Erin West spent 26 years as a Deputy District Attorney and carried investigations into cryptocurrency-enabled crimes, SIM-swapping, and digital financial fraud. 

Now, as the President of the anti-fraud initiative Operation Shamrock, Erin is on a mission to unite the global community—law enforcement, crypto platforms, NGOs—to expose, disrupt, and shut down these fraud networks for good.

Sumsub's website: sumsub.com  

Sumsub’s What The Fraud Summit: https://sumsub.com/wtf-summit/

Sumsub's LinkedIn: linkedin.com/sumsub 

Sumsub's Facebook: facebook.com/sumsub 

Sumsub's Instagram: facebook.com/sumsubcom 

Sumsub's YouTube Channel: youtube.com/@sumsubcom  

Thomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniuk  

Erin West on Linkedin: https://www.linkedin.com/in/erinnordbywest

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“99% of employees are good employees - it’s the 1% that hurts” 

When we talk about the risk of fraud to a business, it doesn’t always come from hackers or outsiders - it often starts inside the building. 

Insider attacks can cost companies a lot. In 2024, the average cost of an insider attack was 17.4 million dollars, but there’s also a cost in trust and reputation. 

In this episode, we’re diving into insider fraud with Marc Evans the founder of Fraud Hero. He’s a Certified Fraud Examiner, law enforcement officer, and a seasoned ally in the battle against fraud, with over a decade of experience investigating fraud and financial crimes.

We explore how to build the company culture and the secure internal systems to protect the bottom line without killing trust.

Sumsub's website: sumsub.com  

Sumsub’s What The Fraud Summit: https://sumsub.com/wtf-summit/

Sumsub's LinkedIn: linkedin.com/sumsub 

Sumsub's Facebook: facebook.com/sumsub 

Sumsub's Instagram: facebook.com/sumsubcom 

Sumsub's YouTube Channel: youtube.com/@sumsubcom  

Thomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniuk  

Marc Evans on Linkedin: https://www.linkedin.com/in/fraudheromarc

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