The Fraud Boxer Podcast

Request Your Free Vulnerability Test: https://www.incognia.com/fraudboxer
 
"The amount of investment going toward generating deep fakes is so much bigger than the investment in defending against them; it’s an asymmetrical and impossible challenge."
 
In this episode I sit down again with André Ferraz, CEO and CO-Founder of Incognia, to explore a revolutionary approach to security: shifting the focus from detecting AI to verifying what is grounded in the physical world. As generative AI makes it nearly impossible to distinguish between real and fake digital media, the battle has become asymmetrical. Ferraz explains that while AI can spoof voices, faces, and documents, it cannot replicate a human’s "world line", or the unique trajectory an individual moves through in physical space and time. By leveraging advanced 3D location intelligence and the ecosystem of physical hardware we carry, such as smartwatches and phones, and how Incognia creates an identity signal based on pure physics. This strategy moves beyond point-in-time checks to analyze behavioral consistency, ensuring that a user’s digital presence matches their real-world environment. André Ferraz - https://www.linkedin.com/in/andreferraz Incognia: www.incognia.com
 
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Request Your Free Vulnerability Test: https://www.incognia.com/fraudboxer
 
"You have entire businesses built around fraud. Many of these people aren't even committing the crime; they’re just building the software for the fraudsters."
 
In this episode of Fraud Boxer, Jordan Harris sits down with Andre Ferraz, CEO and Co-founder of Incognia, to pull back the curtain on the booming Fraud as a Service (FaaS) economy. We move beyond basic surface-level threats to discuss the sophisticated supply chain of hardware and software like app cloners, device farms, and GPS spoofing tools that allow bad actors to automate and scale attacks with professional efficiency. Ferraz explains how these tools, often disguised as legitimate developer resources, enable massive "buy for you" schemes and welcome bonus abuse. You will learn why traditional device fingerprinting and GPS signals are no longer enough to stop modern fraudsters and how location-based behavioral biometrics can ground digital signals in the physical world to identify even the most elusive device resets and bot rings.
 
André Ferraz - https://www.linkedin.com/in/andreferraz
Incognia: www.incognia.com
 
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#FraudAsAService #FraudPrevention #CyberSecurity #FinTech #AppCloners #DeviceFarms #IdentityTheft #OnlineFraud #FraudBoxer #Incognia #DigitalIdentity #GPSSpoofing #AccountTakeover #FraudDetection #CyberCrime #RiskManagement #AppSecurity #MobileFraud #BonusAbuse #EcommerceSecurity #TechTalk #FraudIntelligence #InformationSecurity #PaymentFraud #AntiFraud #DigitalSecurity #BotDetection #CyberSecurityAwareness #Authentication #IdentityVerification #SoftwareSecurity #CyberRisk #FinTechSecurity #MachineLearning #LocationIntelligence #DeviceFingerprinting #MoneyLaundering #AccountProtection #SafeTech #FraudTrends #TechInterview #DataPrivacy #CyberDefense #ApplicationSecurity #MuleAccounts #RetailFraud #ScamAlert #TrustAndSafety #MobileAppSecurity #SecurityStrategy

"Bring product people to conferences. That’s what sells more than a BDR wearing a vest."
 
In this episode we welcome back Brian Davis to discuss the strategic side of the fraud and fintech conference circuit. Moving beyond simple networking, the conversation highlights how to prioritize meetings based on contract size, the evolving dress codes of the industry, and the distinct differences between traditional massive conferences and intimate, practitioner-led retreats. Brian shares his transition from the practitioner to the vendor side, offering a unique look at how companies plan their booth presence and why "double opt-in" meetings are becoming the gold standard for high-value networking. From the nuances of curated industry events like Safeguard to the logistics of navigating major shows like MAG and MRC, this episode provides a professional roadmap for making the most of conference season without the burnout.
 
Safeguard Events Colorado Event: https://www.safeguardevent.com
 
Brian Davis: https://www.linkedin.com/in/briandavis21/

"The worst part about agentic commerce is that, unfortunately, these are the best customers you will ever get. These people are 100% intending to purchase."
 
This episode features a deep dive into the future of agentic commerce, exploring how autonomous AI agents are moving beyond simple searches to actually making purchases on behalf of consumers. Robbie MacDiarmid from CMSPI joins me to discuss the technical challenges of securing bot-driven transactions, and the necessity of new payment protocols to handle this automated traffic. We examine the friction between traditional fraud prevention, which has spent years trying to block bots, and a new reality where these agents might actually be a merchant's most valuable, high-intent customers.
 
From biometric authentication and "proof of work" to the potential for AI to handle the "toil" of daily life like grocery shopping and doctor appointments, this conversation provides a professional look at how the fintech landscape must adapt to a world where bots, not humans, are clicking the buy button.
 

Get your free guide to ready your business for Agentic AI from DataDome here: https://rb.gy/v3bc27
 
"It’s not as dumb as the original bots that were just repeating an action. The agent will see that you’re releasing a new security feature and adapt in hours. It changes the way you fight."
 
In this episode we sit down with industry veteran Simon Marchand from DataDome to discuss the rapidly evolving landscape of Agentic AI and its impact on digital commerce. As we navigate 2026, the shift from basic bots to autonomous AI agents is transforming how consumers shop, but it is also handing fraudsters a powerful new toolkit. Simon shares his 16-year journey from bank practitioner to evangelizing advanced security technologies, explaining why businesses must adapt to this new revenue stream without falling victim to high-speed, automated attacks.
 
The conversation covers the critical balance between welcoming legitimate AI agents—the high-intent buyers of the future—and defending against sophisticated schemes like deepfake identity theft and automated refund abuse. Simon introduces three pillars for modernizing your defense: implementing edge-based technology to verify agent intent, breaking down the silos between cybersecurity and fraud teams, and upskilling talent to handle AI-driven threats. Whether you are a small merchant or an enterprise leader, this episode provides a roadmap for securing your business in the age of agentic commerce.
 
Visit www.datadome.co to learn more about how they can help you in this fight today! Also don't forget to get your free guide to ready your business for Agentic AI from DataDome here: https://rb.gy/v3bc27
 

Get the 2026 Predictions Report: ⁠HERE⁠
 
Cybersecurity expert and former CIA analyst Adam Darrah from ZeroFox joins us to share critical insights from their new ⁠industry forecast ⁠on the evolving threat landscape through 2026. We discuss how professionalized criminal groups and nation-state actors are moving beyond simple scams to execute sophisticated operations that blend human psychology with high-tech automation.
While the rise of gen AI has simplified the process for attackers to create believable social engineering campaigns, the most significant shift lies in the hybrid approach where technology handles the heavy lifting of data discovery before human specialists step in to finalize the exploit.
We also provide a rare look at the strategic motivations behind ransomware and the shifting dynamics of the dark web, offering a professional perspective on why traditional security measures must adapt to combat more calculated, economically driven digital threats. Enjoy!

"They just build what they think we want, and most of the time it’s not what we want."
 
In this Holiday Special episode Brian Davis is BACK to discuss the evolving landscape of webinars, networking, and the fraud prevention industry. We explore the importance of live interactions, the upcoming May retreat focused on high-level networking, and the shifts in market conversations.
 
We also get into the challenges faced by solution providers, the cyclical nature of orchestration, and personal updates, including Brian's new role and future aspirations for this show. We even talk about insights on effective sponsorship strategies and the importance of customization in marketing efforts. Enjoy!
 
Checkout Safeguard to register for the Colorado event mentioned in the episode: https://www.safeguardevent.com/

"Now to watch crypto move into stablecoin as opposed to cryptocurrency, it really seems to be moving stablecoin into the main stage."
 
Jacqueline and Jordan both attended Money 20/20 this year in Vegas! We discuss our experience there in this episode of payments corner and how we feel it marked a pivotal shift for the financial industry as it moved from theoretical hype to tangible execution.
The conference highlighted how financial technology is being rebuilt around this core infrastructure, transitioning from simple automation to "agentic commerce" where autonomous AI agents manage entire shopping cycles, from discovery to secure payment.
Beyond AI, the passage of stablecoin legislation has catalyzed a new era of "programmable money," leading major institutions like Western Union to launch their own digital payment tokens for faster, 24/7 cross-border settlements. As these instant payment rails become the global baseline, the focus has intensified on building an "architecture of trust"—replacing static security with adaptive, AI-driven fraud prevention and "Know Your Agent" (KYA) frameworks to safely manage autonomous financial interactions.

"I wanted to do something where I was like, 'Hey, how can I help people stop from being a victim in the first place?'"
 
In this episode I sit down with the Fraud Hero himself Mr. Marc Evans! He details his 13 years of experience in law enforcement, including seven years as a detective specializing in financial and cyber crimes. Evans explains that his motivation for creating Fraud Hero was born from his observation that law enforcement often only gets involved after a crime has occurred, leaving victims to deal with the aftermath. His mission is to provide proactive education and training to businesses, financial institutions, and the public, especially senior citizens, to help them stop scams before they start. He emphasizes the critical need for consistency in employee training to counter the evolving sophistication of transnational criminal networks, which have demonstrated a troubling ability to network and share information to perpetrate increasingly elaborate frauds, often involving significant amounts of money.
 
Watch the episode to hear real life examples of the scams he has encountered, including one that started with an Amazon fraud alert and escalated to a victim physically handing over nearly a million dollars to a fraudulent "federal agent" in a parking lot. He introduces his "scam formula" of hook, story, urgency, payment to help listeners recognize and avoid falling victim to these schemes. He strongly advises people to pause, think, and verify any unexpected contact, especially from alleged authorities, by independently contacting the official agency through a trusted source rather than using provided links or phone numbers. Evans stresses that effective prevention requires continuous education that goes beyond basic, one-time compliance training to address the current tactics used by criminals, such as exploiting cryptocurrency for immediate, untraceable payments.

"Why don't you guys police that? ... I feel like that is behavior that I kind of pay them to police and stop on their side too."
 
Coming at you from the Fraud Boxer in-person studio today we tackle the headache of card testing attacks and the new regulations from Visa that have everyone scrambling to keep their ratios below the 20% threshold. We break down why simply backing out duplicate transactions doesn't fix the problem and debate a hot topic in the industry: should the merchants be the ones policing this traffic, or should payment service providers step up and play bouncer before the data ever hits the network? It is a look at how bad actors use huge bot networks to guess card numbers and why your decline rates might be much higher than they appear on the surface.
 
But it is not all credit card schemes and fraud metrics; we also take a hard left turn into film criticism with a review of K-Pop Demon Hunters. We discuss why the movie induced tears for Cambria and introduce a fancy scientific term "frisson" to describe the goosebumps you get from a great musical finale. We wraps up with a look at the rising costs of chargeback fees, which are jumping up to seven dollars, and a very serious culinary debate regarding peppercorn sauce on steaks and whether or not seafood should actually taste like fish.
 
Grab a snack (preferably not a fishy one) and tune in for a mix of payment insights and questionable food opinions.