Agentic commerce sounds futuristic, until it starts hitting your auth flows, your dispute queues, and your monitoring pipelines.

In this episode of Fraud Forward, host Hailey Windham sits down with Chen Zamir, Head of Fraud Strategy at Sardine and Founder of Native Risk, to unpack what happens when AI agents don’t just recommend, they act. They browse, click, checkout, retry, and optimize at machine speed, sometimes with no human in the loop.

Hailey and Chen break down the two flavors of agentic commerce (API/MCP-based vs. in-browser agents), then get direct about the fraud pressure that follows any new payment-adjacent product. They dig into the first typologies likely to spike, why “secure protocols” won’t solve the real problems, and the OTP timing trap that makes step-up friction feel irrelevant when the customer is asleep, offline, or busy on purpose.

They also cover the downstream damage teams aren’t modeling yet: rising abandonment, risk scores inflated by failed challenges, messier proof of intent, and a stack that struggles to separate agentic flows from everything else.

The core takeaway is simple: fraud teams need to identify, route, and manage agent-driven transactions as a distinct channel before the ecosystem forces the issue.

Guest lineup:

1. Chen Zamir: Head of Fraud Strategy at Sardine, founder of NativeRisk
2. Hailey Windham: Host of Fraud Forward and Community Banking Lead at Sardine

Fraud programs often measure what is easiest, not what’s most important. In this episode of Fraud Forward, host Hailey Windham welcomes back Frank McKenna for an honest, wide-ranging conversation about the realities fraud leaders are facing today.

Frank and Hailey dig into where fraud hides in plain sight, why so many losses are misclassified as credit risk, and how institutions consistently overreact to trends while underinvesting in the fraud already hitting their balance sheets. They explore the role AI is truly playing in fraud today, where it adds value, where it falls short, and why humans must remain firmly in the loop.

From loan fraud and credit washing to insider threats, identity overinvestment, and the long-term impact of bad fraud decisions on customers and employees, this episode challenges comfortable assumptions and legacy thinking. It is a candid discussion about what fraud teams need to stop doing, what they need to do differently, and how fraud is becoming an existential issue for financial institutions.

Guest lineup:

1. Frank McKenna: Chief Fraud Strategist, Co-Founder at Point Predictive
2. Hailey Windham: Host of Fraud Forward and Community Banking Lead at Sardine

Links:

1. Frank on Fraud
2. No Brakes, No Limits. Our Fraud Predictions For 2026 - Frank on Fraud

Fraud isn’t slowing down, it’s evolving. The Banking on Fraudology podcast is now Fraud Forward, and we’re kicking off the new era with a no-nonsense look at what financial institutions are actually facing on the front lines.

In this premiere episode, host Hailey Windham brings together fraud, risk, and BSA leaders from banks and credit unions to separate real signals from industry noise. No hype. No fear-mongering. Just firsthand insight from teams fighting fraud at machine speed.

We unpack:

1. What fraud teams saw escalate over the past year
2. Which threats are accelerating into 2026
3. Where banks and credit unions remain most exposed
4. How digital arrest scams, Ghost Tap fraud, and self-adapting AI attacks are changing the game
5. Why in-branch controls are making a comeback

If you’re responsible for fraud prevention, BSA, risk, or compliance, this episode offers clear, realistic guidance on what to prioritize now, and what needs to change as fraud keeps moving faster.

🎙 Guest lineup:

Karen Boyer, SVP, Financial Crimes - M&T Bank

Jen Lamont, BSA & Fraud Manager - America’s Credit Union

Angela Diaz, Senior Risk Manager, External Fraud Oversight - TD

Hailey Windham, Host of Fraud Forward & Community Banking Lead - Sardine

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