Folgen

  • He Runs Payments AND Fraud Alone. Here’s What He’s Learned in 21 Years

    He Runs Payments AND Fraud Alone. Here’s What He’s Learned in 21 Years
    Oct 18 2026

    “I always frame it as the little engine that probably shouldn’t have.”

    Recorded at Checkout's Thrive event in Newport Beach, I sat down with A.J. Hernandez of Outlook Amusements, the company behind CaliforniaPsychics.com. A.J. has spent 21 years there, starting in the catalog and phone-order days, and today he handles both payments and fraud as a one-person team.

    We get into how an online psychic business went from a risky reputation to a clean entertainment MCC, why fraud and acceptance are really the same conversation, and what it takes to stop promo abuse without scaring off good customers. I also share a few approaches I’ve used in the past, and we talk about how bad actors are testing more than just cards these days.

    We also cover what the new card network monitoring programs mean for smaller merchants, why California regulation makes life harder for merchants, and what’s coming for payments in 2027.

    Follow A.J Hernandez: https://www.linkedin.com/in/a-j-hernandez-2425b660/

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

    Thank you to our sponsor, whobilled.me. Ever spot a charge on your online banking or credit card statement that you don’t recognize? Go to whobilled.me and look it up before you call your bank or file a dispute. It’s free and takes seconds.

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

    "Most of the time when a new regulation comes through, it’s the little guy that gets smashed.”
    Mehr anzeigen Weniger anzeigen
    37 Min.
  • AI Agent Traffic Grew 7,851%. Most Websites Can't Tell

    AI Agent Traffic Grew 7,851%. Most Websites Can't Tell
    Sep 30 2026

    AI agent traffic grew 7,851% year over year, and 95% of it is landing on retail, media, and travel sites. Frank Walsh, Field CTO at HUMAN Security, joins Jordan to talk about what happens when your customers stop visiting your website and start sending AI agents to do it for them.

    This is a conversation four years in the making. Frank and Jordan have shared the stage at MRC three times, and this time they get into agentic commerce, bot management, and why the old "block every bot" playbook is now costing merchants sales. They cover which AI platforms are sending the most traffic (OpenAI, Meta, Anthropic, Perplexity, Google), how agents quietly run up costs on consumption-based tools, and what happens when an AI shopping agent fills in the blanks on a vague prompt all by itself.

    They also get into "gray hat abuse": traffic that isn't malicious but still wrecks your analytics, affiliate programs, and site performance. On the other side, if your site blocks the wrong bots, the AI agents recommending products might never see yours.

    Frank closes with three predictions for where agentic AI goes next. One of them will change how you think about the traffic hitting your site today.

    If you work in fraud prevention, payments, ecommerce, cybersecurity, or trust and safety, this one is for you.

    Get The 2026 State of AI Traffic & Cyberthreat Benchmark Report here: ⁠https://www.humansecurity.com/learn/resources/2026-state-of-ai-traffic-cyberthreat-benchmarks/⁠

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

    ➡️ See a charge on your online banking or statement you don't recognize? Find out who it is and how to get ahold of them at www.whobilled.me

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

    “Everyone thought about bots as something we used to take tickets from people that really wanted them. Now bots are our partners in just about getting anything done."

    -------------------------------------------- Inquiries: sponsorships@fraudboxer.com

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

    #AgenticAI #AIAgents #FraudBoxer #FraudPrevention #BotManagement #Cybersecurity #AgenticCommerce #Ecommerce #Payments #FraudPodcast #CybersecurityPodcast #PaymentsPodcast #HUMANSecurity #BotDetection #BadBots #GoodBots #AITraffic #AIShopping #AIShoppingAgents #WebScraping #Scraping #AccountTakeover #FakeAccounts #TrustAndSafety #MerchantRisk #PaymentFraud #EcommerceFraud #OnlineFraud #FraudFighter #RiskManagement #CyberThreats #ThreatIntelligence #AIGovernance #AISecurity #ArtificialIntelligence #AI #OpenAI #ChatGPT #Anthropic #Claude #MetaAI #Gemini #Perplexity #MCP #FutureOfCommerce #RetailTech #TravelTech #FinTech #TechPodcast #MRC
    Mehr anzeigen Weniger anzeigen
    1 Std. und 1 Min.
  • Payments After Dark: Poolside Drinks, Pure Trust, and Scaling Fintech with Arthur Bedel from Monyz

    Payments After Dark: Poolside Drinks, Pure Trust, and Scaling Fintech with Arthur Bedel from Monyz
    Sep 14 2026

    When the keynotes wrap up and the jackets come off, the real payment industry shows up. Recorded poolside at ⁠Checkout.com⁠’s Thrive event at the Pendry in Newport Beach, Jordan sits down (stands up) with Arthur Bedel for a raw, late-afternoon chat on what actually drives results in finance tech.

    Ditching corporate jargon for drinks by the pool, Arthur talks straight about the business. Outside observers might think processing transactions is dry, but behind the scenes, growth comes down to culture, clever engineering, and solid trust. From quick checkouts to high-value networking, they talk about why top partnerships happen over good food and honest conversation instead of formal boardrooms.

    Arthur also breaks down his latest project: building a media-driven accelerator designed to take back-end infrastructure, turn it into engaging content, and grow the biggest brands in the space.

    Links to Arthur:

    Instagram: ⁠https://www.linkedin.com/in/arthur-bedel/⁠

    Monyz: ⁠https://monyz.co/
    Mehr anzeigen Weniger anzeigen
    3 Min.
  • The State of Fraudcasting

    The State of Fraudcasting
    Sep 3 2026

    Solution providers across payments and fraud prevention are launching shows right now, and that is a good thing. More voices in this space means more people learning out loud. Jordan sits down with Brian Davis to talk about what it actually takes to keep one running.

    This one is less about fraud and more about the machine behind the content: setting goals before you set a budget, getting marketing and the C suite aligned on what an episode is supposed to do, and what happens when a sponsor expects conversions from a campaign that was built for awareness. Brian brings the demand gen and community perspective. Jordan brings four years of running a show as a team of one.

    They get into the guest pool question nobody plans for, where a fraud cast should plant its flag in the funnel, why the attribution argument tends to sort itself out, and how different production models all end up working for different goals. Jordan also walks through his gear stack and the specific choices that make a show look and sound the way he wants, including the piece of equipment most people skip.

    If you run marketing at a vendor, host a show, appear on webinars, or are thinking about pointing a camera at yourself for the first time, there is something in here worth stealing.

    Topics covered:

    • Founder led and executive led content strategy
    • Podcast sponsorship goals, CTAs, and realistic expectations
    • First touch and last touch attribution in B2B payments marketing
    • Why enterprise merchants weigh fraud podcast invitations carefully
    • Editorial independence when your show and your employer share a space
    • Recording podcasts on the conference floor
    • Microphones, mirrorless cameras, lighting, and audio levels for video
    • Editing workflows, distribution, and why consistency beats production value

    Equipment Mentioned and Suggested:

    • Sony a6700 - https://a.co/d/03P0tsuf
    • Shure MV7+ - https://a.co/d/03P0tsuf
    • Shure SM7dB - https://a.co/d/03P0tsuf
    • Fifine Mic - https://a.co/d/03P0tsuf

    Other mentions:

    • Interface for mic to computer - https://a.co/d/0fCRRpiK
    • Cloudlifter (not needed for Sm7dB only SM7B regular) - https://a.co/d/07HYP75U
    • Sony ZVE-10 (non usb 4k) - https://a.co/d/07HYP75U

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

    This episode is brought to you by ⁠WhoBilled.me⁠. Ever seen a charge on your statement like "POS CHECK CARD PURCHASE DEBIT * SUPERCELL" and had no idea what it was? Merchants get about 25 characters to identify themselves, your bank wraps its own labels around that, and a location field gets stapled on the end. The result reads like a ransom note — so people dispute their own kids' in-game purchases and shrug off the charges that were actually fraud. Paste the descriptor into ⁠https://WhoBilled.me⁠ and find out who really billed you, how to reach them, and what the charge was probably for.
    Mehr anzeigen Weniger anzeigen
    49 Min.
  • AI Fraud Detection Is Now a Commodity — Here's What Actually Wins

    AI Fraud Detection Is Now a Commodity — Here's What Actually Wins
    Aug 19 2026
    Everyone in fraud and risk is building AI agents. Almost nobody is asking the harder question: if every team has access to the same models, what's left that's actually yours? In this episode of Fraudboxer, Jordan sits down with Richard Meng, founder and CEO of Roe AI (YC-backed, San Mateo), and Tal, an 18-year risk leader who has built and scaled programs across fintech, payments, lending, issuing, marketplaces, and merchant environments. Together they make the case that AI itself is becoming a commodity — and that the real competitive advantage is structured risk knowledge: the fraud typologies, investigation frameworks, and institutional expertise that live in your team's heads, in Jira tickets, and in Slack threads where no agent can reach them. The conversation covers why single signals like velocity, device mismatch, and risky IP no longer mean what they used to; why fraud teams stay permanently reactive; what happens to entry-level analyst roles as AI absorbs L1 work — and what new roles replace them; whether rules and machine learning models are dying or just getting a makeover; and why the sub-300ms reality of real-time fraud decisioning means an LLM is never going to be the thing that blocks a transaction. They also get into the idea of an open, industry-wide fraud typology map — a shared taxonomy of attack patterns and recommended investigations that any team's AI agents could consume. Not a data consortium, not PII sharing, and not the kind of closed, invite-only working group that leaves newer practitioners out in the cold. Whether that can actually get built is the open question of the episode. If you work in fraud, risk, compliance, AML, trust and safety, or payments — or you manage a team that does — this one reframes what "using AI" actually means. As Jordan puts it: most people say they use AI, but they're reading AI, not using it. The fraudsters figured out the difference a while ago. WHAT'S COVERED Why AI models are becoming a commodity, and contextual intelligence is the real moatFraud typologies - ATO, ACH fraud, friendly fraud, push payment fraud, triangulation schemes, return abuse, promo abuse - and why each needs its own investigation pathThe medicine analogy - why the diagnostic framework beats raw intelligenceVelocity, device mismatch, and risky IP - signals that no longer mean fraud on their ownWhat happens to L1 analyst roles, and the new jobs that get created insteadAre rules dead? A story from inside Uber's rules engine and the Grafana dashboard that showed fraudsters reverse-engineering rules in real timeWhy sub-300ms decisioning means rules and ML models aren't going anywhereRule performance monitoring - the thing almost nobody actually doesHow Roe AI is building a shared financial crime knowledge base, and whether it should be an open standard Where fraudsters are already outpacing defenders on AI adoption LINKS Roe AI: ⁠https://www.roe-ai.com⁠Roe AI careers (they're hiring, including SMEs): ⁠https://www.roe-ai.com/careers⁠Richard Meng on LinkedIn: ⁠https://www.linkedin.com/in/berkeleymeng/⁠Tal Yeshanov on LinkedIn: ⁠https://www.linkedin.com/in/talyeshanov/⁠ WhoBilled.me: ⁠https://whobilled.me⁠ This episode is brought to you by ⁠WhoBilled.me⁠. Ever seen a charge on your statement like "POS CHECK CARD PURCHASE DEBIT * SUPERCELL" and had no idea what it was? Merchants get about 25 characters to identify themselves, your bank wraps its own labels around that, and a location field gets stapled on the end. The result reads like a ransom note — so people dispute their own kids' in-game purchases and shrug off the charges that were actually fraud. Paste the descriptor into ⁠https://WhoBilled.me⁠ and find out who really billed you, how to reach them, and what the charge was probably for.
    Mehr anzeigen Weniger anzeigen
    57 Min.
  • The Frightening New Way Scammers Are Using AI

    The Frightening New Way Scammers Are Using AI
    Jun 30 2026

    "In crypto, if your money's gone from your wallet, everything can be gone in one second immediately."

    Most people picture online scams as one person in a basement sending sketchy emails. The reality is far bigger and far more organized. In this episode, recorded at the Safeguard conference in Colorado Springs, host Jordan sits down with Nikita, co-founder and CEO of ⁠Chain Patrol⁠, to talk about how modern fraud actually works. We get into why stolen crypto almost never comes back, how scam operations now run like real companies with engineers and developers, and how artificial intelligence has made sophisticated attacks cheap enough to target everyday people instead of just high-value executives. Nikita also opens up about the human cost behind these operations, including trafficking victims forced to run scams against their will, and a documentary his team has been quietly working on.

    We also discuss one of the largest crypto thefts in history, how the attackers pulled it off, and why the weakest point in nearly every story is a person rather than a piece of code. Whether you work in fraud and security or you just want to understand how to keep yourself and your family safe, this one is packed with stories you have not heard and warnings you will want to remember.

    Visit ChainPatrol to learn more: ⁠https://chainpatrol.com⁠

    V I D E O S T O W A T C H N E X T

    Think you can't be scammed? Think again: https://youtu.be/bAwpKd2IlGo

    From CIA to Cyber Intelligence: 2026 Cyber Intelligence Predictions! https://youtu.be/3gPkMfPU31c

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

    🛡️ A massive thank you to today’s sponsor, Incognia! IP addresses are constantly rotating, masked by VPNs, or spoofed by fraudsters, leaving fraud and risk teams completely in the dark about web traffic. Incognia’s ⁠https://hubs.li/Q04hKHN30⁠

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

    "The education itself becomes a vector of attack in some ways."

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

    Inquiries: sponsorships@fraudboxer.com

    --------------------------------------------
    Mehr anzeigen Weniger anzeigen
    40 Min.
  • The Dark Web’s Biggest Secret: Why Traditional Fraud Tools Simply Don't Work Anymore

    The Dark Web’s Biggest Secret: Why Traditional Fraud Tools Simply Don't Work Anymore
    Jun 15 2026

    "Fraudsters move upstream... We aimed all of our fraud prevention at the checkout. Where did they go? Upstream to the account access."

    Ever wonder how cybercriminals manage to stay one step ahead of digital security? In this episode, Alexander Hall from ⁠IPQS⁠ takes you behind the scenes while we were at the Safeguard Conference in Colorado.

    Many businesses focus all their security energy purely on the final checkout page, but the threat landscape is shifting fast. We talk about the hidden traps currently being set across the internet, why traditional security scores often miss the big picture, and how the industry is fighting back. If you want to know how your data is being targeted—and the clever network setups being used to stop attackers before they ever reach a real user—this conversation is a must-watch.

    Whether you run an online business, work in tech, or just want to understand how the underground economy works, this interview offers a fascinating look into the future of online safety.

    Checkout ou IPQS here: ⁠https://www.ipqualityscore.com⁠

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

    ➡️ Did you catch the biggest takeaway from our IPQS interview? Fraudsters have moved upstream. They aren’t just hitting your checkout page anymore; they are targeting user accounts, deploying human-like bots, and exploiting stolen identities long before a payment is ever made—meaning that if you rely on traditional post-transaction chargeback data, you are already 90 days too late.

    That is where IPQS comes in (⁠www.ipqualityscore.com⁠). Trusted by Fortune 500 companies, IPQS uses a global network of over 10,000 live dark web honeypots and real-time Fraud Fusion™ technology to instantly flag account takeovers, malicious residential proxies, and sophisticated botnets before the damage is done. With fully customizable dashboard risk sliders, you can easily adjust your scoring models for IP reputation, device fingerprinting, and email age based exactly on your business needs. Stop chasing chargebacks and start stopping bad actors on Day 1—visit ⁠www.ipqualityscore.com⁠ today to protect your platform!

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

    "Stolen identities are being used to create businesses, and I personally cannot imagine a level higher than that."

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

    Inquiries: sponsorships@fraudboxer.com

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

    #fraudprevention #cybersecurity #digitalsecurity #onlinefraud #cyberattacks #identitytheft #dataprotection #secureaccount #safeguard #techtrends #cybercrime #phishingscams #dataprivacy #internetsafety #riskmanagement #threatdetection #networksecurity #ecommercesafety #frauddetection #hackers #onlinesafety #businesssecurity #securitytrends #infosec #scamprevention #digitaldefense #cyberdefense #fraudfighters #hackprevention #datasecurity #onlinebusiness #cybersecurityawareness #techsecurity #accountsecurity #fraudmanagement #identityprotection #privacyprotection #cyberthreats #onlinesecurity #businessprotection #fraudrisk #securitystrategy #cyberrisk #safeguardconference #itsecurity #corporatecard #muleaccount #accounttakeover #digitalfraud #fraudtrends
    Mehr anzeigen Weniger anzeigen
    37 Min.
  • Your Customer Just Filed a Chargeback… And Took the Product Too!

    Your Customer Just Filed a Chargeback… And Took the Product Too!
    Jun 9 2026
    "Something which is really nice with Visa is that for every problem that they create, they have a solution for it, but you just need to pay for it..." What happens when an impromptu honeymoon scroll on Instagram leads to a complete career pivot into the world of fraud prevention? In this episode of Fraud Boxer, Jordan Harris sits down with Ben Herut, Chief of Staff at Chargeflow, to unpack the complex, fast-moving ecosystem of payment risk and dispute resolution. From the hidden operational burdens that merchants face during a chargeback surge to the psychological toll of fighting friendly fraud, this conversation breaks down why traditional methods just aren't cutting it anymore. If you've ever wondered how major financial shifts correlate directly to a rise in payment disputes, Ben's inside look from both the issuer and acquirer sides provides a rare, dual-perspective view of the industry. The core of the discussion centers around the evolution of Visa's Compelling Evidence rule, shifting from its original framework to the newly updated standards. Jordan and Ben debate the strict timelines merchants now have to navigate, the nuances of cross-merchant and cross-acquirer data tracking, and how the massive looming shadow of the Visa Acquiring Monitoring Program (VAMP) changes the math for ecommerce businesses. Instead of relying on generic tech hype, the episode explores how actual data science, real-time intelligence, and post-payment risk modeling can save a business from losing both its revenue and its physical products. Stick around until the end to hear predictions on agentic commerce, changing network protocols, and how modern banking apps have made it almost too easy for good customers to act bad. V I D E O S T O W A T C H N E X T : How MAG is helping merchants fight back: https://youtu.be/TKMyDL6ydiI Why do your sales skills suck? https://youtu.be/JLMqz0ls4gU -------------------------------------------- 🛡️ A massive thank you to today’s sponsor, Incognia! IP addresses are constantly rotating, masked by VPNs, or spoofed by fraudsters, leaving fraud and risk teams completely in the dark about web traffic. Incognia’s Verified IP Location fixes this. Instead of relying on outdated ISP records, Incognia infers IP locations dynamically using real-world device observations to give you a live, unmaskable location layer for every single web session. Catch ATOs from unexpected regions and stop VPN spoofing without hurting your good users. Learn exactly where your web traffic is actually coming from here: https://hubs.li/Q04hKHN30 -------------------------------------------- "Anytime that you see a surge of chargebacks, you could correlate it to a financial event in a person's life..." -------------------------------------------- Inquiries: sponsorships@fraudboxer.com -------------------------------------------- #FraudBoxer #Chargeflow #FraudPrevention #FriendlyFraud #ChargebackManagement #ChargebackMitigation #PaymentFraud #EcommerceFraud #FraudDetection #RiskManagement #DisputeResolution #ChargebackDefense #FirstPartyFraud #CompellingEvidence #CE30 #VisaRules #VAMP #VisaAcquiringMonitoringProgram #MastercardRules #MerchantCompliance #3DSecure #OrderInsight #EcommerceBusiness #OnlineRetail #MerchantServices #EcommerceTips #BusinessOperations #RetailTech #SubscriptionBusiness #PhysicalGoods #RevenueRecovery #ProfitMargins #Fintech #PaymentProcessing #PaymentGateway #Acquirer #MerchantAccount #DigitalPayments #FintechTrends #PaymentOrchestration #CardNotPresent #BNPL #DataScience #MachineLearning #AgenticCommerce #TechInBusiness #PredictiveAnalytics #DataIntelligence #BusinessHacks #RetailProblems #EntrepreneurLife #InsideTheIndustry
    Mehr anzeigen Weniger anzeigen
    45 Min.