The Fraud Boxer Podcast

"92% of all POCs today in the US are failing because they're trying to use bad data and LLMs that are standardized or generalized."
 
At Money 2020 I sat down with Deuna (www.deuna.com) co-founder Roberto Kafati (REKS) and their US head of GTM Chase Foster to explore the critical importance of leveraging high-quality, actionable data and intelligent systems to drive business value, especially in complex enterprise environments. The core challenge today is that while most companies possess vast amounts of data, a staggering 92% of AI pilot projects fail because they rely on data that isn't "AI-ready" that is lacking the necessary context, cleanliness, and standardization to be effectively used by large language models (LLMs). The key is transforming raw data, such as the 638 direct and indirect data points per payment transaction, into a strategically usable asset that goes beyond cost-cutting to unlock significant revenue growth across the organization.
 
The company's platform, Athia, is designed to solve this by acting as an agentic intelligence platform that utilizes merchant-specific data from massive commerce operations (like major airlines, movie chains, and retailers) to provide proactive, highly focused insights. Instead of forcing teams to manually analyze hundreds of performance dashboards, Athia surfaces the most critical information, alerting teams to revenue leakages and recommending direct, real-time actions, such as optimizing payment routing or detecting opportunities in developing economies. This approach allows businesses to embrace the future of "agentic commerce" by maintaining control over the customer experience and ensuring data-driven decision-making is implemented automatically and continuously across all critical functions, fostering a new era of cross-departmental collaboration between areas like payments and marketing.

"Lost productivity due to disengagement is $8.8 trillion annually."
 
Today we sit down with ⁠Ronan Wall⁠, CEO of ⁠Dosen⁠ (⁠www.dosen.io⁠) for a fascinating and fun conversation about what really matters in business: people. We get into the weeds about the challenges companies face with employee engagement and why the old school, authoritative management style is officially dead. This episode is packed with personal stories and powerful insights that will change how you think about your team, your culture, and even your first day on the job. You’ll hear about the staggering cost of disengagement and why treating people right isn't just nice, it's essential for success.
Discover Ronan’s unique servant leadership philosophy and how his new company, ⁠Dosen⁠, is revolutionizing the onboarding process to be more than just signing papers and getting a desk. Learn why those crucial early moments are the best opportunity to build trust and belonging that lasts a career. We also break down the latest trends in the workplace, including "quiet quitting," and the transformative role AI is playing in making people-centric learning scalable. Don't miss this one if you want to understand the numbers behind high performing teams and how to finally measure the true value of your company culture
 
Visit Dosen today: ⁠www.dosen.io⁠
Ronan Wall: ⁠https://www.linkedin.com/in/ronanwall/

"In your 20s, take risks. You have time to change your plan or celebrate."
 
Today on the show I sit down IN PERSON with former employee of my Evan Callaghan and catch up on life's wild pivots—all the way from the trenches of fraud analysis to the world of data engineering. Evan shares the hilarious and often chaotic story of moving to L.A. on an impulse, only to find himself in a completely new industry after his rock star dreams hit a snag. They discuss the value of taking big risks in your 20s, whether it's moving across the country for an elusive music career or enduring soul-crushing early morning gigs to learn a craft. From the discipline learned as a serious ski racer to the hustle of selling solar panels door-to-door, every adventure—and misstep—has contributed to his current path.
 
Evan's journey highlights a powerful transition from creative pursuit to a focused tech career. After realizing his passion for music production had a technical, analytical core, he switched gears, diving into a demanding coding bootcamp. He shares funny anecdotes about his failed music promotion event and the shocking revelation that nobody cares if your data is "PhD-level" if it's dirty! Listen in to hear how two friends—and former colleagues—found success by continually seeking growth, even if it meant getting "slapped by the universe" a few times along the way. Find Evan here: https://www.linkedin.com/in/evancallaghan1994/

🤯 "If there is a fraud-related dispute, that one transaction just resulted in two hits."
 
This episode focuses on the enforcement of VAMP (Visa Acquirer Monitoring Program) that began on October 1st, 2025. The goal of VAMP is to reduce friction for cardholders and push fraud out of the payment system. Under VAMP, Visa combines all fraud and non-fraud disputes into a single ratio, and these disputes can be counted twice against a merchant's ratio if they appear in both the fraud (TC40) and chargeback (TC15) reports. The new merchant ratio limits are 2.2% for the rest of 2025 and will drop to 1.5% in April 2026. If a merchant exceeds this limit, they can face an at least $8 fee for every dispute from their acquirer, which could be up to $16 for fraud-related disputes that are double-counted.
 
Merchants can use several tools and strategies to lower their VAMP ratio. The first line of defense includes solutions like Order Insight and Consumer Clarity. These tools provide real-time transaction information to the card issuer when a cardholder calls, which can help deflect disputes before they become official chargebacks. Using these tools can lower a merchant's VAMP ratio by 15% to 25%. The second line of defense involves alerts (RDR, CDRN, Ethica Alerts), which notify merchants of a dispute before it becomes a chargeback, allowing them to issue a refund and prevent the chargeback count. However, this does not remove the fraud count from the ratio. It's crucial for merchants to understand their specific ratio and work with their acquirer, since acquirers have an even lower threshold of 0.7% that can impact all merchants in their portfolio.
 
Big thank you to ChargebackHelp for making this episode possible and lending us Bart Szypkowski to go over all of these details. If you have more questions about VAMP or need help please contact them at www.chargebackhelp.com!
 
Also visit this link to get your free eBook from them about VAMP: https://go.chargebackhelp.com/vamp V
 
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➡️ Having trouble with VAMP already? Visit www.ChargebackHelp.com today to get start using all of the tools mentioned in the video today!
 
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"The moment I call my bank and tell them, 'hey, I didn't authorize that transaction,' the typical thing a card issuer will do is they will look at all the other transactions from that same merchant."
 
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Inquiries: sponsorships@fraudboxer.com

"People don't understand Agentic AI at all in any way shape or form. They think they do, but they have no clue"
 
2025 MAG (Merchant Advisory Group) Conference was one of my favorite of all time! In this special episode Doriel joins me in person at the show to discuss what we learned during our time in San Antonio! What a great week! Enjoy a quick video at the beginning that features some of the highlights from our time there!
 
V I D E O S    T O    W A T C H    N E X T :
 
What are AI Agents actually doing on your site? https://youtu.be/qAaIS_mMQHA
What is Agentic AI? https://youtu.be/3w14T-pHalI
 
What the Fraud?! (Doriel's show) on Agentic AI:
 
Buying with an AI Agent: https://youtu.be/9exRXopNTnQ?si=Uu4_INpc7iNJ9ZK4
 
Agentic AI Paradox: https://youtu.be/RdabA8rHasE?si=Hk7P4E0oAQOBB3_I
 
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Inquiries: sponsorships@fraudboxer.com

"There's no way that these are not gonna be upcharged. There is zero chance these are not gonna be marked up just like every other thing that PSPs do."
 
In this episode, Ronan Ben-Ami from the chargeback mitigation company Justt, breaks down the latest changes to chargeback fees from Visa. The card network has introduced new fees for acquirers and shorter response deadlines, which will likely increase costs for businesses. Acquirers are now charged higher fees for longer dispute resolutions, and they're passing those costs directly to merchants. This means merchants will have less time to fight disputes and will incur more fees for delays, making it more critical than ever to have a quick and effective chargeback strategy. With these changes, the focus for merchants must shift from simply winning disputes to maximizing the Return on Investment (ROI) for each case. The new landscape requires businesses to have a deep understanding of their specific fees and to obtain their TC40 and TC15 data to properly monitor their chargeback ratios. To adapt, merchants should consider using smart decisioning tools that can automatically accept disputes that aren't worth fighting and build strong, compelling cases for those that are, helping to protect their bottom line in this new era of increased fees and shortened timelines.
 
Links from the video:
Tables for the new fees: https://justt.ai/blog/visa-chargeback-fee-changes-april-2025/#:~:text=Below%20are%20the%20main%20changes,a%20%241.00%20fee%20per%20case.
VAMP Guide: https://justt.ai/guides-and-ebooks/guide-get-ready-for-vamp/
Justt Dispute Optimization: https://justt.ai/blog/justt-announces-dispute-optimization-to-help-merchants-maximize-chargeback-recovery/
 
V I D E O S T O W A T C H N E X T :
 
Friendly Fraud in Crypto with Justt? https://youtu.be/GMm1lvm_FOw
 
Justt Chargeback Report Results? https://youtu.be/e40pUzQr8x4
 
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"They simplified the fees for the merchant as opposed to what's happening behind the scenes and how they're being charged by the card schemes. But they're keeping themselves ROI positive, and they're making money off of the scenario."
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Inquiries: sponsorships@fraudboxer.com

"Stablecoin, while very cool, is blockchain-based, which gets everyone a little crypto-y and nervous, but it's pegged right to the US dollar."
 
Join Jacqueline and Jordan back in the Payments Corner to discuss Stablecoins and FedNow! Both forms of real-time payments, but they operate differently and are suited for different uses. The main differences are in their speed, settlement, and scope. Stablecoins, like FedNow, offer a way to move money instantly, but they are blockchain-based and pegged to a stable asset like the US dollar. This makes their value predictable and static, unlike volatile cryptocurrencies. --------------------------------------------
 
Inquiries: sponsorships@fraudboxer.com
 
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Learn how to sort the good from the bad at www.specprotected.com
 
Are AI agents and bots the same thing? 🤔
 
In this episode of Fraud Boxer, host Jordan Harris sits down with Nate Kharrl and Shawn Colpitts from Spec to discuss the future of online fraud and good traffic. They reveal what AI agents are, what they’re doing on your website right now, and how to tell the difference between good agents and bad bots.
 
Learn why some agents are actually good for your business and how they're different from traditional fraud bots. Nate and Shawn share real-world examples, including an AI agent's sneaky shopping trip and how you can spot their unique behaviors.
 
Watch now to learn why you should stop blocking all bots and how to make sure you're not turning away your next best customer. 

"One of our missions is to end guest checkout on the internet."
In this episode Jordan chats with well-known Founder and CEO  Ryan Breslow from Bolt, about the evolution of e-commerce. Discover how Bolt pioneered one-click checkout and is now revolutionizing payments with an AI-powered "super app." Learn how this innovative platform aims to eliminate guest checkout, simplify online transactions, and bring the seamless shopping experience of Asia to the US with their new “Super App” that brings together shopping, peer-to-peer payments, loyalty programs, and even crypto and stablecoins! The future is here, let’s go!
Visit them today at www.bolt.com!
 
V I D E O S    T O    W A T C H    N E X T :
 
Our 3-Year Anniversary Video - https://podcasts.apple.com/us/podcast/the-fraud-boxer-podcast/id1631865080?i=1000715300992
 
You NEED to know about Agentic AI: https://podcasts.apple.com/us/podcast/the-fraud-boxer-podcast/id1631865080?i=1000713389270
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"We really invented or pioneered embedded one click... We pioneered that experience. First to market."
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Inquiries: sponsorships@fraudboxer.com
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Learn about an intelligent approach to fighting chargebacks at www.disputed.ai!
 
This episode marks Fraud Boxer’s three-year anniversary. Doriel Abrahams is back with Jordan to discuss the challenges of adding video production and the surprising emergence of sponsorships all the way to strategic thumbnail use. He emphasizes the importance of authentic conversations and an open mind, sharing personal favorite episodes that exemplify these values. Jordan expresses interest in the future of the show like more live conference presentations and additional shows.
 
VIDEOS FROM THE EPISODE:
 
Steve Ashton Emotional Intelligence: https://youtu.be/xHDj-m17gBc
Reverse Interview of Jordan: https://youtu.be/oidDo09gpBU
First Sales Episode: https://youtu.be/RJt5u3mTHmU
2025 Sales Episode: https://youtu.be/JLMqz0ls4gU
 
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➡️ Tired of losing all your chargebacks because your responses are outdated? Checkout out our sponsor Disputed to level your response game up and start recovering your revenue today: https://www.disputed.ai
 
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"I wanna listen to podcasts that like, sounds like I'm eavesdropping in on my friends having a conversation."
 
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Inquiries: sponsorships@fraudboxer.com
 
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#PodcastAnniversary #ThreeYears #PodcastLife #YouTubeSuccess #VideoPodcast #ContentCreation #BehindTheScenes #PodcastingTips #GrowthMindset #AuthenticConversations #LivePodcast #ConferenceSpeaker #Sponsorships #DigitalContent #MediaProduction #PodcastCommunity #ListenNow #NewEpisode #PodcastLove #ContentCreator #OnlineContent #Storytelling #AudioVisual #YouTubeGrowth #PodcastHost #CreativeProcess #BehindTheMic #IndiePodcast #PodcastJourney #VideoEditing #AudienceEngagement #DigitalMarketing #ThoughtLeadership #PersonalGrowth #BusinessPodcast #TechTalk #IndustryInsights #Entertainment #LearningAndDevelopment #Communication #Networking #FutureOfPodcasting #ContentStrategy #VideoMarketing #PodcastGear #Creators #MediaMogul #Innovation #Inspiration #FraudBoxer