**This is a Flashback to the most popular episode of 2023 with new and improved audio!  The topic is more relevant than ever before!**

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. 

Cambria Valente - https://www.linkedin.com/in/cambria-hobbs/

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Fraud Boxer is also proudly presented by Sardine. I’ve been saying since I started that the best fraud tools are tools created by fraud people. Well, with sardine, you get something created by the fraud squad for the fraud squad. From KYC to onboarding fraud and payment fraud, with over 4,000 signals like device, email, and telco, to AML monitoring. They have a rule builder custom ML models and ship new features weekly. They understand that fraud rates are increasing and fraud budgets aren't. With Sardine, you get a team that isn’t afraid to roll up their sleeves and jump in with you on those big investigations. You’re not just buying one of the best tools but the whole team behind it! 

Please give them a warm welcome by visiting www.sardine.ai today to learn more!

On this episode of Fraud Boxer presented by Spec we shed light on the complexities and challenges faced by the automotive and lending industries, particularly in relation to fraud detection and prevention. Andrew Austin from Carmax discusses his background in the military and his eventual transition to the automotive and lending sectors, and the evolution of fraud prevention strategies in the digital age. The discussion touches on various topics, including the role of identity verification (IDV), the challenges of ACH fraud in the auto industry, and the importance of thorough financial validation and risk assessment when extending credit to customers.

Andrew shares insightful perspectives on the need for stronger identity verification measures, the potential of tokenized identity for enhanced security, and the significance of addressing fraudulent practices in lending and auto industries. He discusses the nuances of income misrepresentation and the prevalence of fraudulent documentation in lending processes, highlighting the need for more robust risk assessment and validation measures.

The discussion brings to light the need for a holistic approach to fraud prevention and the significance of innovative technologies such as biometric authentication and pass keys.

The insightful discussion provides valuable insights for industry professionals, policymakers, and consumers, emphasizing the importance of staying ahead of evolving fraud tactics and investing in robust identity verification and risk assessment processes. The themes explored in the conversation hold relevance in the current landscape of digital security and financial risk management, making it imperative for industry stakeholders to prioritize effective fraud prevention strategies.

Andrew Austin: https://www.linkedin.com/in/awaustin/

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We are loving having Spec as our Q4 Sponsor!  Their patented no-code orchestration platform has been a complete game changer for how we approach fraud and authentication. They give fraud fighters (and marketing and security teams!) full coverage and visibility into the entire customer journey with the ability to collect data, deploy in any tech stack and connect to any solution to answer their attacks such as calling 3rd party APIs,  building logic and workflows, all with the ability to take action anywhere in the entire customer journey!  With constant moving targets it's nice to have a product that moves it's aim with you! 

Please visit www.specprotected.com to learn more and schedule a demo today to see what you have been missing all along! 

It's finally here!  Listen to my THREE guests join Jordan to talk about recruiting and being recruited!  Meg Hanna from TEKsystems, Audree Wadkins from Hot Topic, and Doug Rubenstein from Manufacturers Bank sit down with Jordan and discuss their approaches to recruiting and interviewing. From call backs to salary negotiations we cover a lot of ground. We touch on outside and inside recruiting and how they differ and Jordan asks questions he's always wanted to about the whole process and why it takes so damn long!  Hope you enjoy! 

Doug Rubenstein: https://www.linkedin.com/in/douglas-rubenstein-83198372/

Meg Hanna: https://www.linkedin.com/in/meg-hanna-b1b48316/

Audree Wadkins: https://www.linkedin.com/in/awadkins/

I have done the impossible; today I sit down with Brigette Korney (!), formerly of Groupon, to discuss her time there and what it was like to leave a role after 13 years.  We talk about her decision to leave for payment processing giant Adyen and how she picked them specifically. We go completely off-script to talk about what is important to us when we are picking a company to work for. What a fun and genuine conversation we had! 

Can't wait to have her back on next month LIVE at PaymentsEd in San Diego in front of the entire conference audience! Visit www.paymentsed.org to get registered for that today! 

Brigette Korney - https://www.linkedin.com/in/brigette-korney/

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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! 

"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 well as 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! 

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/

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!

"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!

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/

------------

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!

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/

------------

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!

"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/

------------

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/

"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. 

----------------

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/

In this BONUS episode we discuss the the current state of the industry. We discuss our work in fraud prevention, industry events they have attended, and recent trending topics. We talk about the book Brian and writing and the new community series he is starting and the challenges of building that community. This episodes includes (mostly Jordan's) thoughts around the recent controversy surrounding the use of the term "fraud fighter" and the trademarking of that term by SEON and the actions they've taken since. In the end we give a glimpse into our personal lives, including hobbies and family moments. Buckle up, this one is going to make some waves!

Brian Davis: https://www.linkedin.com/in/briandavis21/

https://www.thehouseoffraud.com/

Alexander Hall: https://www.linkedin.com/in/alexander-hall-ddc/

https://disputedefenseconsulting.com/

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We are loving having Spec as our Q4 Sponsor!  Their patented no-code orchestration platform has been a complete game changer for how we approach fraud and authentication. They give fraud fighters (and marketing and security teams!) full coverage and visibility into the entire customer journey with the ability to collect data, deploy in any tech stack and connect to any solution to answer their attacks such as calling 3rd party APIs,  building logic and workflows, all with the ability to take action anywhere in the entire customer journey!  With constant moving targets it's nice to have a product that moves it's aim with you! 

Please visit www.specprotected.com to learn more and schedule a demo today to see what you have been missing all along! 

"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."

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/

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/

“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

--------------------------------

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?

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!

----

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

"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! 

-------------------

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/

"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!  

"'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 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

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

Today I am joined by Katie McCarthy (Ex Paypal/Braintree and Pagos)! In this episode we dive deep into the world of key performance indicators (KPIs) in the payments and fundraising industry. Join us in a dynamic conversation exploring the critical role of KPIs in various business segments. From chargeback rates to approval rates and vendor performance, we dissect the importance of measuring and analyzing these metrics for optimal business performance.

But it doesn't stop there – our discussion takes a fascinating turn into the realm of decline codes, shedding light on their significance and the ripple effect they can have on overall business operations. The impact of false positives is also explored, adding a layer of complexity to the conversation.

Delving into the nonprofit sector, our speakers draw connections between KPIs and the psychology of donor behavior. Uncover the nuances of tracking metrics in the nonprofit world and understand how KPIs play a pivotal role in steering decisions.

Join us as we explore the broader context of analytics and decision-making in business, understanding how these themes are instrumental in navigating the intricate dynamics of today's competitive landscape. Tune in for a compelling discussion that illuminates the critical role of KPIs in shaping business strategies and optimizing performance.

Katie McCarthy - https://www.linkedin.com/in/mccarthykatelyn/

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I am so happy to have our great partner Spec back as the Q4 Sponsor!  Their patented no-code orchestration platform has been a complete game changer for how we approach fraud and authentication. They give fraud fighters (and marketing and security teams!) full coverage and visibility into the entire customer journey with the ability to collect data, deploy in any tech stack and connect to any solution to answer their attacks such as calling 3rd party APIs,  building logic and workflows, all with the ability to take action anywhere in the entire customer journey!  With constant moving targets it's nice to have a product that moves it's aim with you! 

Please visit www.specprotected.com to learn more and schedule a demo today to see what you have been missing all along! 

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 

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 

Rob Daline, co-founder and CEO of ArkOwl, recounts the story of the creation of his identity verification company!

Join us as we go over the reasons and needs that prompted the creation of the company to fill a need of his own at his previous employer.  We will discuss why they are different than other services and how their product has evolved to address customer needs over the last decade! 

We hope you enjoy! 

Find out more here:

www.arkowl.com

Rob Daline -  https://www.linkedin.com/in/robdaline

Ticketing legend Shawn Kelley from Seat Geek sits down with Jordan to discuss changes they have made post-COVID to their entire fraud prevention system. Join us for their unique approach, that actually is contrary to what most folks have been trying to do, and why it is actually better for them in many ways and how they know it to be true! Ticketing is a crazy beast and throwing in a market place makes for all sorts of challenges not encountered by most merchants!  Enjoy! 

Shawn Kelley: https://www.linkedin.com/in/shawnkelley

www.seatgeek.com

Eyal Elazar, the Head of Product Marketing at Riskified, joins Jordan to discuss current trends happening in the abuse space right now. Things like refund, return, and promo code abuse are plaguing merchants costing more than fraud losses. We also discuss some approaches to preventing abuse at multiple points in the customer journey and how to mitigate false positives and upset customers! 

Remember that there are two types of merchants right now: "those who are experiencing abuse and addressing it and those who don't know they are experiencing abuse."

Eyal Elazar: https://www.linkedin.com/in/eyalelazar/

www.riskified.com

"The human being is as valuable as the human doing"

The learning and development episode you've all been wanting is here! Steve Ashton formerly of American Express and Accertify shares his approach to learning and development from a life time of teaching the corporate masses!  This is a meaty episode but, wow, is it worth it.  Spend an hour and a half with us learning about executive presence, story telling, emotional intelligence, and so much more that is involved in management and learning in the modern corporate environment. This will be episode 1 of a 2 part series with the other coming later!  This one is a true gem!  Enjoy!

Steve Ashton: https://www.linkedin.com/in/steveashton/

www.steveashtonconsulting.com https://www.patreon.com/lightscameraashton

https://www.patreon.com/holisticbuffet

Join Cambria Valente from Forter for a history of who she is and what her role is in our world.   She covers a very interesting history of her time at Emailage through the acquisition and what she is working on now at Forter as their offering continues to evolve. Outside of the audio issues about 1/3 of the way in during this recording this was my favorite one to date! 

https://www.linkedin.com/in/cambria-hobbs/

www.forter.com

www.emailage.com 

**AUDIO WARNING ABOUT 1/3 THROUGH** (Riverside.fm had sync issues on Jordan's audio track and after extensive editing this was the best he could get it.  We will use a different tool going forward) 

Put your lab coats on because in episode three we're hitting the lab!  Former Ekata Field Data Scientist and Chargebacks 911's current VP of Data Science takes a break from the beakers and swings by to give us his history and what it is and it's being used to stop fraud today! Join us for our conversation and remember you "can't do data science without good data engineering!"

https://www.linkedin.com/in/frankturnerv/

www.charegebacks911.com

Today I am joined by Chase Foster from Pagos!  Chase has had an interesting journey in our industry with time spent at Cardinal Commerce, Ethoca, Checkout.com, and now Pagos.ai!  Come listen to him tell his story and our conversation about payments and industry changes there as well as some sales tactics that work and don't work! 

www.pagos.ai

Chase Foster: chase.foster@pagos.ai

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"Don’t assume you understand the problems I’m facing or that you know what should be at the top of my priority list. Every organization has a different threat model, culture, and risk tolerance." - Jason Chan

In my very first episode ever I sit down, virtually, with the famous Alexander Hall of Dispute Defense Consulting (www.disputedefenseconsulting.com) and have a conversation about how he got into the industry and what he sees as the current trends.  Alexander has a unique background, a little different from the majority of us, on how he got into the fraud world and I think the background provides a different insight into our approaches and we talk about the upcoming MRC band!  Take a listen and I promise not to eat the mic as much next episode!  

We have a big one today!  In this episode I sit down with Justt's co-founder Roenen Ben-Ami to go over their recently released 2023 Chargeback Pulse Report that is full of super interesting numbers and insights!  

Jenny Nilsson from Ticketmaster joins us as we go over all the numbers from the report and discuss the massive shift in the chargeback behaviors in the post-COVID world. With a focus on collaboration, training, and the effect of Visa's new regulations, the discussion sheds light on the impact of chargeback management within companies, emphasizing the need for streamlined processes and updated training. 

Link to the report:

https://9049155.fs1.hubspotusercontent-na1.net/hubfs/9049155/Merchant%20Survey%202023/Justt%202023%20Chargeback%20Pulse.pdf

Links to the guests:

Roenen Ben-Ami - https://www.linkedin.com/in/roenen-ben-ami-24540b127/

Jenny Nilsson - https://www.linkedin.com/in/jenny-t-nilsson/

About Justt:

"Justt is dedicated to helping merchants navigate the complex and costly system for credit card disputes. The company’s smart technology and in-house expertise successfully resolve chargebacks for merchants, automatically reuniting them with their revenue. Justt’s proprietary technology pulls the best arguments to build merchants’ most compelling defense and optimizes results through machine learning."

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I'm so happy to have our great partner Spec back as the Q4 sponsor!  Their patented no-code orchestration platform has been a complete game changer for how we approach fraud and authentication. They give fraud fighters (and marketing and security teams!) full coverage and visibility into the entire customer journey with the ability to collect data, deploy in any tech stack and connect to any solution to answer their attacks such as calling 3rd party APIs,  building logic and workflows, all with the ability to take action anywhere in the entire customer journey!  With constant moving targets it's nice to have a product that moves it's aim with you! 

Please visit www.specprotected.com to learn more and schedule a demo today to see what you have been missing all along! 

On Today's episode I sit down with a former colleague of mine Heath Taylor where he uses his extensive background in information security and cybersecurity from his time in the US Navy and at Live Nation Ticketmaster. He stresses the need for organizations to adopt a proactive approach to identify and respond to potential threats. He also underscores the complexity of operations at large organizations and the significance of cybersecurity within an organization.

Throughout the conversation, the significance of finding the right people for a company is highlighted, with a specific focus on clear communication and an analytical mindset in the field of cybersecurity. We also discuss our approach to effective leadership and career progression.

Communication emerges as a central theme, with a particular focus on its importance in articulating cybersecurity issues and potential impacts on business operations. The discussion touches on the challenges associated with security posture and inventory management within organizations.

We also delve into the complexities of building versus buying cybersecurity solutions, addressing issues such as fake accounts, account takeovers, compromised websites, shared passwords, and the need for improved security measures. Never being satisfied, we even touch on security awareness, secure applications, supply chain attacks, and the need for bug bounty programs as essential components of a robust cybersecurity strategy. Collaboration and partnerships among teams are emphasized as a means to prevent fraudulent activity. 

Heath Taylor: https://www.linkedin.com/in/heath-taylor-87519037/

"Heath Taylor is a cybersecurity leader with a wealth of experience in threat intelligence and a proven track record of managing all aspects of cybersecurity for large enterprises. Heath is a seasoned expert in the field and has built and led highly effective technical security teams, delivering industry-leading incident response, corporate security, governance, risk and compliance (GRC), and product security. Heath is a skilled leader in driving security initiatives and has a unique talent for developing innovative security solutions, standardizing security policies, and ensuring regulatory compliance. Additionally, he is known for his ability to create CSIRT/SOC/CTI functions. Heath has led programs that include engineering, strategic planning, risk management, process improvement, and regulatory compliance."

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I am so happy to have our great partner Spec back as the Q4 Sponsor!  Their patented no-code orchestration platform has been a complete game changer for how we approach fraud and authentication. They give fraud fighters (and marketing and security teams!) full coverage and visibility into the entire customer journey with the ability to collect data, deploy in any tech stack and connect to any solution to answer their attacks such as calling 3rd party APIs,  building logic and workflows, all with the ability to take action anywhere in the entire customer journey!  With constant moving targets it's nice to have a product that moves it's aim with you! 

Please visit www.specprotected.com to learn more and schedule a demo today to see what you have been missing all along! 

I've been excited about Entersekt since they day I heard about them way back in Miami in May 2022!  Today I am soooo happy to finally have them on and I am so lucky to have the Chief Product Officer Padheep Sampath be the guest! We discuss passkeys, what they are, and how the future of authentication can look in a hopefully passwordless future! 

Pradheep Sampath: https://www.linkedin.com/in/pradheep/ Entersekt: https://www.entersekt.com/

More about Entersekt: "Founded in 2010, Entersekt has grown into a leader in mobile authentication, mobile app security, and payments enablement technology, offering highly scalable products with a track record of success across multiple continents. Today, we proudly protect the digital transactions of over 67 million active users via the Entersekt Secure Platform (ESP) and hold over 60 registered patents that recognize innovation in digital security, payments, and user experience."

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I am so happy to have our great partner Spec back as the Q4 Sponsor!  Their patented no-code orchestration platform has been a complete game changer for how we approach fraud and authentication. They give fraud fighters (and marketing and security teams!) full coverage and visibility into the entire customer journey with the ability to collect data, deploy in any tech stack and connect to any solution to answer their attacks such as calling 3rd party APIs,  building logic and workflows, all with the ability to take action anywhere in the entire customer journey!  With constant moving targets it's nice to have a product that moves it's aim with you! 

Please visit www.specprotected.com to learn more and schedule a demo today to see what you have been missing all along! 

Oh wow do we have a big one here! On this episode Jordan sits down with Kim Sutherland who is the VP of Fraud & Identity Strategy at LexisNexis Risk Solutions to discuss what behavioral biometrics are and clear up some confusion about the term. She shares the LNRS approach to the concept with their acquisition on Behaviosec in 2022 and how behavioral biometrics can shape the future of fraud fighting in a number of ways. So lucky to have her on the show!  Enjoy!

Kim Sutherland: https://www.linkedin.com/in/ksutherland365/

LexisNexis Risk Solutions: https://risk.lexisnexis.com/

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Today we also welcome Spec back as the Q4 Sponsor!  With the holiday cycle fast approaching, we never know what the fraudsters next scheme will be.  With Spec and their patented no code orchestration platform, you can be ready for them this season with full coverage and visibility into the entire customer journey with the ability to collect data, deploy in any tech stack and connect to any solution to answer their attacks such as calling 3rd party APIs,  building logic and workflows, all with the ability to take action anywhere in the entire customer journey!

Please visit www.specprotected.com to learn more and schedule a demo to make your holidays a little more jolly!

Our boy Alexander is back for another round! This one we just went completely impromptu and just talked about all the fraud things that popped into our head.  What are we seeing lately like fraud coming from a specific credit union in the midwest, what people are doing with multiple account fraud, and so much more!  We might put more of these out with other bros (and gals) and share some less formal interviews that we just learn and ask questions on in real time!  I hope you enjoy! 

Alexander Hall: https://www.linkedin.com/in/alexander-hall-ddc/

https://disputedefenseconsulting.com/

Back in August of 2023 I was invited to do a live taping of my show at PaymentsEd San Diego from the main stage! I brought Brigette Korney from Adyen along for the interview! We cover some of the content from the last episode as well as some new Adyen initiatives!  Sorry for how fast I was talking, I was a little nervous!  

Brigette Korney - https://www.linkedin.com/in/brigette-korney/

www.adyen.com