The Fraud Boxer Podcast

Faster Payments with Julie Conroy from Datos Insights

"With faster payments comes faster fraud"
 
In the long awaited episode on Faster Payments I sit down with Julie Conroy from Datos Insights (Formerly Aite-Novarica Group) to talk about the world of Faster Payments with names you've all heard like FedNow, RTP, and Zelle. What are they really though and what do they each mean. Payments being faster is something we have asked for for a long time and here we talk about the different types of rails, how they work, who is using them, and of what it means for consumers and businesses alike.  And, of course, we talk the fraud that comes along with it! Enjoy!
Julie Conroy: https://www.linkedin.com/in/julie-conroy-6997/
Julie is the Head of Risk Insights and Advisory at Aite-Novarica Group. Prior to time at Aite-Novarica Group, Julie spent a number of years leading the product management team at Early Warning Services, and prior to that was in product and process management roles at a large credit card issuer and as wellas an ACH, wire, and SWIFT processor. Julie is fluent in Spanish, holds an M.A. from the Monterey Institute of International Studies and a B.A. from the Michigan State University Honors College.
 
About Datos Insights: https://www.linkedin.com/company/datos-insights/
Datos Insights are the advisor of choice to the banking, insurance, securities, and retail technology industries—both the financial institutions and the technology providers who serve them. The Datos Insights mission is to help our clients make better strategy and technology decisions so they can protect and grow their customers’ assets.
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Today we welcome on newest sponsor Darwinium!
The Darwinium platform unifies security with fraud prevention to create complete visibility of customer journeys across every digital touchpoint – Web, Apps and APIs.
Darwinium’s unique integration point, running on the perimeter edge via content delivery networks (CDNs), is privacy preserving and low latency. Businesses have a holistic view of customer behavior, from pre-authentication, through account creation, login, change-of-details and payments. 
Businesses are better equipped to separate human and automated traffic, protect customers from account takeover, identify scams and social engineering behaviors, block content and promo abuse, and detect fraudulent payments.
Darwinium is implemented once, and then covers every interaction a user makes on your website or mobile app. What’s more, these user journeys can be fully configured within the platform and adapted at the click of a button, based on trust and risk.
Please give them a warm welcome and visit www.darwinium.com to learn more about their revolutionary product! 
 

BONUS: Spec Live Stream audio from June 21st Linkedin Live!

In this bonus post I have edited down the audio from the June 21st, 2023 Linkedin Live Stream featuring Patrick Chen (COO) and Nate Kharrl (CEO) from my Q2 sponsor Spec!  We dive into what "orchestration" and "customer journey" really mean to ME and what it means to them and their product. I hope we did a good job of peeling back the layers of this onion of latest buzz words and how it can affect you and your company directly.  You can find the live stream with video by visiting this link: https://www.linkedin.com/video/live/urn:li:ugcPost:7077313769776820224/
We had some early technical difficulties with the live stream since it was my first one but we made it through with some bonus silliness at the beginning and end! 
Again, I'd like to thank Spec for their support this quarter and I hope that everyone reaches out to them for a demo by visiting www.specprotected.com/demo to see them show it to your very own site. It's astonishing. If you want to reach out to Patrick or Nate directly please find their info below! 
Patrick Chen - patrick@specprotected.com - https://www.linkedin.com/in/patrickchen30/
Nate Kharrl - nate@specprotected.com - https://www.linkedin.com/in/nate-kharrl/
 

The Blockchain and Crypto Episode with Dave Senci from Mastercard

This one has been 3 months in the making and finally making its audio debut!  Recorded LIVE at MRC 2023 I sat down with Dave Senci from Mastercard who I have worked with for years. Lately he's been working on their blockchain and crypto offerings as the Vice President of Blockchain and Digital Asset. We dive into what the terms actually mean and what they are as well as some of the actual real world use cases for things like Blockchains and NTFs and how the whole crypto "thing" is more than just coins.  This was a fascinating episode for me to record and still felt like I came away with a better understanding of all these things overall. Enjoy!
Dave Senci - https://www.linkedin.com/in/davesenci/
"Dave Senci is a Vice President of Blockchain & Digital Asset. He started at Mastercard in 2010, spending his first five years in Operations and Technology then moving to product management within Cyber and Intelligence Solutions. In Dave’s current role at Mastercard, he focuses on the commercialization and product management of Mastercard’s Crypto, Blockchain and Digital Asset products."
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Join our wonderful sponsor Spec and I LIVE on Linkedin Live on June 21st, 2023 at 9 am PT for a discussion on what Orchestration and customer journey ACTUALLY is.  Register here today: https://www.linkedin.com/events/let-sreallytalkaboutorchestrati7069799414394982400/comments/
Spec is the leader in the customer journey management space with their patented Trust Cloud platform that connects you to any fraud vendor through a no code implementation. This allows you to have full control and visibility into your customer journeys, orchestrate and operationalize any fraud, abuse, and payments API, and take action on your website without having to negotiate priority with your engineering teams. The Spec Trust Cloud keeps you up to date as your needs change over time. Please check them out by visiting www.specprotected.com to learn how they help your fraud fighting future and see a demo that uses your actual LIVE website!
 
 
 

Just talkin’ fraud with Brian Davis from Dodgeball and That Fraud

"If you're a vendor and you want the best; hire fraud people. They're going to tell you what you SHOULD be building, not what you THINK you should be building."
 
Today, Brian Davis (That Fraud and Dodgeball) and I just jump on a microphone and just straight up talk fraud. We had an outline before the mics went hot and when they did we just went for it! We cover who he is, where he's been, and both of our approaches to fraud in general. Topics from how to find a fraud job, joining a team, what do to as a leader, and how to execute a strategy.
We cover it all, baby!
"Brian Davis builds fraud and T&S teams from scratch. He likes to call it organizing the chaos. Now he gets to be an extension of T&S teams and help them build out their strategy to scale T&S to align with their companies lofty goals. His internal goal is to help the community to find their voices and be seen as the true experts they are. Fraudsters work together, so it only makes sense we do too!"
Brian Davis - https://www.linkedin.com/in/briandavis21/
That Fraud - https://thatfraud.com/
Dodgeball - https://www.dodgeballhq.com/
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This episode was sponsored by Spec. Spec is the leader in the customer journey management space with their patented Trust Cloud platform that connects you to any fraud vendor through a no code implementation. This allows you to have full control and visibility into your customer journeys, orchestrate and operationalize any fraud, abuse, and payments API, and take action on your website without having to negotiate priority with your engineering teams. The Spec Trust Cloud keeps you up to date as your needs change over time. Please check them out by visiting www.specprotected.com to learn how they help your fraud fighting future and see a demo that uses your actual LIVE website!

Who and what is Darwinium and why you need to know them with founder Alisdair Faulkner

Darwinium is one of the new companies that is getting a lot of attention. Today I sit down with their founder Alisdair Faulkner the founder (who also was one of the founders of Threatmetrix) to discuss who they are, what they are doing, and why what they are doing with their tool using AI/Machine Learning and how it's completely different than the others these days. It is fascinating! 
About Darwinium:
"Darwinium’s pioneering customer protection platform takes security and fraud prevention to the edge, removing the operational burden of implementing and maintaining API-based solutions. Darwinium provides complete visibility and control of every digital interaction - across web, apps and APIs - to identify bad behavior, in real time. Businesses can make more accurate, real-time decisions, and take dynamic, tailored remediation that favors the customer and not the fraudster. Its ‘trust nothing’ approach to data privacy encrypts end-user data on the edge and allows businesses to store this encrypted data within their own infrastructure."
Alisdair Faulkner: https://www.linkedin.com/in/alisdairfaulkner/
Darwinium: https://www.darwinium.com/
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This episode was sponsored by Spec.
Spec is a leader in the customer journey management space with their patented Trust Cloud platform that connects you to any fraud vendor through a no code implementation. This allows you to have full control and visibility into your customer journeys, orchestrate and operationalize any fraud, abuse, and payments API, and take action on your website without having to negotiate priority with your engineering teams. The Spec Trust Cloud keeps you up to date as your needs change over time. Please check them out by visiting www.specprotected.com to learn how they help your fraud fighting future and see a demo that uses your actual LIVE website!

Successfully selling with Matthew Friend from Riskified who actually sold ME a product!

On today's episode we speak with Matthew Friend from Riskified. He is the sales person I mentioned in the popular "What NOT to do and what TO do to sell to Fraud professionals" episode I put out a few months back that I had a very positive experience with. He explains his approach and why he thinks it was successful with me. It's not very often someone can actually get me to buy a whole product with a multi-year commitment but here is how he did it! 
Matt's Linkedin: https://www.linkedin.com/in/matthew-friend-5445134b/
Riskified: www.riskified.com
Sign up and attend the Riskified Ascend Summit in Nashville in June!  Sign up here: https://www.riskified.com/ascend-summit-2023/
 
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This episode was sponsored by Spec.
Spec is a leader in the customer journey management space with their patented Trust Cloud platform that connects you to any fraud vendor through a no code implementation. This allows you to have full control and visibility into your customer journeys, orchestrate and operationalize any fraud, abuse, and payments API, and take action on your website without having to negotiate priority with your engineering teams. The Spec Trust Cloud keeps you up to date as your needs change over time. Please check them out by visiting www.specprotected.com to learn how they help your fraud fighting future and see a demo that uses your actual LIVE website!
 

Identity Verification (IDV) and post-MRC thoughts from a first timer with Erica Liebman from Veriff

"If money is changing hands, I need to know where it is coming from" The world of identity and document verification is ever changing and can be used in more places than you realized. Check in on what is new in that space and some new places you could apply the technology with Erica Liebman from Veriff!  Erica also happens to also be newer in the space so she tells us what it's been like for her so far and what her experience was at her first MRC!  Join us and please don't hold her being a massive Phish phan against her! 
Erica Liebman - https://www.linkedin.com/in/erica-liebman-033bb855/
Veriff - https://www.veriff.com/
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This episode was sponsored by Spec.
Spec is a leader in the customer journey management space with their patented Trust Cloud platform that connects you to any fraud vendor through a no code implementation. This allows you to have full control and visibility into your customer journeys, orchestrate and operationalize any fraud, abuse, and payments API, and take action on your website without having to negotiate priority with your engineering teams. The Spec Trust Cloud keeps you up to date as your needs change over time. Please check them out by visiting www.specprotected.com to learn how they help your fraud fighting future and see a demo that uses your actual LIVE website!
 
Hear more on a previous episode they did with Fraud Boxer:
https://www.specprotected.com/fraud-boxer-no-code-with-patrick-chen/
 

New tech from MRC that excited us with Alexander Hall

"People need to embrace orchestration platforms more"
Recorded LIVE at the MRC last month Alexander Hall sits down with a very vocally exhausted Jordan to go over what we think the coolest new things we saw at MRC and what we think are going to be big in the near and long term future.  Is it AI? Is it ML? Is it another buzz word?  Spoiler, it's not. Find out by listening to us have this conversation LIVE and what we think are the real takeaways from the MRC. The future is coming fast and make sure you are aware of what is out there to answer these quickly emerging trends. 
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Alexander Hall - Alexander@disputedefenseconsulting.com 
https://disputedefenseconsulting.com/
Also, today Spec joins the Fraud Boxer family as our inaugural sponsor. We discussed customer journey orchestration in this episode and Spec is a leader in the customer journey management space with their patented Trust Cloud platform that connects you to any fraud vendor through a no code implementation. Please give them a warm welcome by visiting www.specprotected.com to learn more about how they can offer exactly what we discussed today and maybe even see a demo that uses your actual LIVE website!
More about Spec:https://www.specprotected.com/
Previous Episode they have done with Fraud Boxer
https://www.specprotected.com/fraud-boxer-no-code-with-patrick-chen/
 

SMS Toll Fraud, Reverse Proxy Attacks, and Cyber Crime as a Service with Kevin Gosschalk from Arkose Labs

"We are all in the security space so we should all be good citizens of good security"
Cybersecurity and fraud are often very close but not the same and so often we only talk about the bots in our cross overs. On today's episode Jordan sits down with Kevin Gosschalk, the CEO and Founder of Arkose Labs, to discuss what the other current cybersecurity threats are facing the fraud prevention industry such as SMS Toll fraud and new man-in-the-middle reverse proxy exploits.  Cybercrime-as-a-Serivce (CaaS) is bigger than ever and they even have real VC funding now!  Learn all that is happening in this more technical episode so you know what to look for and why you might not be aware of new charges hitting your financials! 
Don't forget to use the link below to add Kevin and message him to get a discount code on an RSA full conference registration! 
 
About Arkose Labs: https://www.arkoselabs.com/resource/sms-toll-fraud-reverse-proxy-attacks-cybercrime-as-a-service-fraud-boxer-podcast/
 
Kevin Gosschalk: https://www.linkedin.com/in/kgosschalk/
 
About Kevin and Arkose:
"Kevin Gosschalk is the visionary founder and CEO of Arkose Labs. Since launching the company in 2016, he has been at the forefront of developing cutting-edge account security and bot management solutions that provide immediate and long-term protection against attacks. The company's unique approach makes it more costly for adversaries to attack consumers' online accounts than the profit they can gain, effectively disrupting the digital commerce landscape.
Under Kevin's leadership, Arkose Labs has achieved remarkable growth, raising over $114 million in funding and rapidly scaling its customer base and workforce. The company now counts some of the world's leading B2C businesses, such as Microsoft, PayPal, and Roblox, among its valued clients.
Kevin is a proud native of Brisbane, Australia, and holds a degree in Interactive Entertainment from the Queensland University of Technology (QUT). He was recently recognized by QUT as its Outstanding Young Alumnus. Prior to founding Arkose Labs, Kevin worked in biomedical research, using machine vision technology for early diabetes detection, and developed technology to assist adults with intellectual differences in social settings. His diverse background has enabled him to bring a unique, disruptive perspective to the field of fraud prevention, utilizing a gamified approach."

SALES! What NOT to do and what TO do to sell to Fraud professionals with Cambria Valente

It's a new year with new sales goals and it's right before conference season so the sales managers are hunting and we're all in their sights! 
 
Jordan shares his big lists of what doesn't work and what works in our unique industry. Cambria is back to give her opinion from her sales past on Jordan's list and help us all understand why certain things are done the way they are. Jordan has shared a similar list in the past that is no longer available so it was time to update the list and put it out on Fraud Boxer! Hope everyone gets some value out of this conversation and it is helpful to the new sales folks entering our space. 
 
**There is some swearing in this episode so just be aware before blasting it in your crowded office or car ride with the kids**
 
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Cambria Valente - https://www.linkedin.com/in/cambria-hobbs/
 

Gaming fraud and more with Scott Adams from CNPMentors

Scott Adams joins Jordan today to run through his history and take us through some of the common schemes and attacks he saw during his time working for some of the biggest video game studios like Riot, Epic, and Bethesda. We talk about some best practices with regards to disputes in this area like first party ("friendly") fraud and theorize what we think would lead to a better experience in this area. Scott also takes us through what he is up to now with his new agency CNPMentors.com and talks about his upcoming podcast series. Enjoy! 
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Scott Adams, CEO/Founder of CNPMentors.com is a veteran payments professional with 20+ years of experience in online business, the card-not-present financial community, and the affiliate marketing community. Scott developed CNPMentors to help merchants get out of chargeback monitoring programs, or better yet, reduce chargebacks and fraud before they happen with education and training plus consulting services.  Scott is a past VP of Friendly Fraud at Kount, Director of Fraud and Risk for Riot Games, a trained keynote speaker, a fixed-wing and rotor-wing pilot, and a purple belt and instructor in Brazilian jiu-jitsu.
scott@cnpmentors.com
https://www.linkedin.com/in/speakerscotteadams/
 
 

BONUS: MRC VEGAS 2023! How to get the most out of your conference!

“You never know when that small booth in the corner is going to be the big booth in the middle”
 
Join Dajana again as she sits down with Jordan for bonus episode to build off the "MRC: Unlocked" session Jordan did this week with the Merchant Risk Council to help first time attendees (and veterans let's be honest) get the most out of their trip to our favorite annual event; MRC Vegas 2023!  From comfy shoes and lip balm to vendor meetings and coffee, we try to cover all the tips you could need! Maybe even hints at a super secret upcoming Fraud Boxer merch drop at the show...  See you all in the desert! 
 
www.https://merchantriskcouncil.org
https://events.merchantriskcouncil.org/event/a09c1185-1949-40b2-bd23-dd23157439d2/summary
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Dajana's Linkedin for all your conference meeting needs: https://www.linkedin.com/in/dajana-gajic-fisic/
Cafe Derbi: https://www.yelp.com/biz/cafe-derbi-las-vegas?
 
 
 

2FA and MFA with Justin Soong from Authsignal

Listen to Justin Soong, the founder of Authsignal, take us through the different types of MFA/2FA types, both the pros and cons, and what his company Authsignal is doing to change the game on this divisive thing! Again, customer friction is key but how do you balance it? Listen to find out what our personal best practices are!
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Justin Soong - Founder of Authsignal: https://www.linkedin.com/in/justinsoong/
 
Authsignal: https://www.authsignal.com?utm_source=fraudboxer&utm_medium=podcast
 
Contact: sales@authsignal.com

Tom Donlea! The man, the legend himself talks about the roots of the industry!

"Are you telling me that I'm partially responsible for unleashing the kraken?" - Tom Donlea
 
One of the most well known OGs in the fraud industry, Tom Donlea talks about how he got involved and how he became the very first CEO of the MRC which we all know and love to this day. He takes us through his time at Ekata and what he is up to know.  Tom is a partner at Alliyz and they are changing the way our industry functions for future fraud and payments professionals. Come listen to exactly how they are doing it!
We talk about how to get more involved and get more out of your fraud journey and what we think the future looks like both in 2023 and beyond! 
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https://www.allyiz.com
"Allyiz (pronounced allies) is the “go-to” company for payments experts for businesses who want to source knowledge, time or people. The strong relationship we build with our clients inspired us to use this name."
Tom Donlea, a man who needs no introduction, was the first CEO of the MRC and Board Emeritus, a VP and GM at Ekata for over 9 years, and is now a partner at Allyiz.  
Tom Donlea - tom@allyiz.com
https://www.linkedin.com/in/tdonlea/

Jordan’s Own Team! iHerb and 2023 projections with Steve and Kristopher

"We hire professionals to do professional work"
 
Join Steve and Kristopher (KDF) who make up the management of the fraud team under Jordan at iHerb!  Learn about their history in fraud prevention, what iHerb is, and some of the unique challenges iHerb faces. They even talk about what it's like to work for Jordan through all the changes their business has been through in the last year and their style of management for their teams!  
 
Also hear what we all think 2023's biggest fraud trends will be!  

What is Customer Experience and false positives with Bryce Winkelman from Quantum Metric

"'Your site is terrible' well, what do you do with that? ... do you derail the rest of your optimization efforts to go and fix that one problem? The answer is 'it depends'"
 
Today on the season 1 finale we have a heavy hitter on the podcast in Bryce Winkelman, Chief Business and Strategy Officer from Quantum Metric to break down what "Customer Experience" really means and why it is COMPLETELY different from customer service.  In the fraud world false positives fall directly into customer experience and giving a bad experience can harm your company and your career. Learn about "Positive Friction" and find out some options you have to optimize the customer experience your department brings during this busy holiday season. This is a dense episode with a lot of excellent content from Bryce and this was one of my favorite episodes to record. I was truly blessed to get Bryce's time to be a guest and share his extensive knowledge with my audience.
I hope you all enjoy!
 
Bryce Winkelman - https://www.linkedin.com/in/bryce-winkelman-1416936/
https://www.quantummetric.com/
Quantum Metric - https://www.quantummetric.com/request-a-demo/

Data breaches from the dark web and how to defend your site with Pete Barker from SpyCloud

Data breaches are a daily occurrence now and your information has been compromised and released somewhere. What could you do to protect your and your customer's accounts if you had advanced knowledge that the identity had been compromised? What could you do to stop the take overs and the headaches that come after the fact? Learn about what SpyCloud is up to in this space with my guest this week, former auto mechanic, Pete Barker who I have shared many a stage with over my career! 
 
Pete Barker: https://www.linkedin.com/in/pete-barker-98904312/
https://spycloud.com
 

What is low-code and no-code featuring Patrick Chen from Spec

Patrick Chen, co-founder of Spec breaks down what low-code and no-node actually means and how it works.  I do my best to get a ELI5 (explain like I am 5) description of it and why this is something that very well could change our entire industry and how we approach the using and changing of our fraud prevention tools!
 
Patrick Chen - https://www.linkedin.com/in/patrickchen30/
 
https://www.specprotected.com
 

Reverse Interview of Jordan by Dajana! Who is he? Where did he come from?

Today it's Jordan's turn to be interviewed in a reverse interview episode!  Dajana asks Jordan about how he got into fraud and he tells a detailed story of the "before times"! Then they go back and forth telling their most interesting stories of their time as fraud fighters and sharing their thoughts on the state of the fraud industry and their opinions of it's needs!  This was a fun one to record! 
Jordan Harris - https://www.linkedin.com/in/whoisjordanharris/
www.iherb.com
Dajana Gajic-Fisic - https://www.linkedin.com/in/dajana-gajic-fisic/
www.jdsports.com
www.finishline.com 

Sneaker bots and sneaker fraud schemes with Dajana from Finish Line and JD Sports

Join the famous Dajana Gajic-Fisic from Finish Line/JD Sports and I today as we run through her interesting past and dive into some common schemes she sees around fraud and abuse in the sneaker industry!  It's a hot industry and I bet everyone would like to know what types of attacks they are seeing. Today is part 1 of a 2 part series with Dajana! 
 
Dajana Gajic-Fisic - https://www.linkedin.com/in/dajana-gajic-fisic/
www.jdsports.com
www.finishline.com