What The Fraud?

For Part 2 of our special coverage from Money20/20 Europe in Amsterdam, we continue the conversation on AI, trust, and fraud with a fresh set of leaders from across digital banking, payments, and regulation. Where Part 1 focused on AI transformation at scale, this episode digs into invisible banking, digital identity, agentic commerce, and the regulatory frameworks needed to make cross-border payments work safely.Direct from the Sumsub booth, Thomas Taraniuk, Head of Partnerships at Sumsub, speaks with leaders from across the financial services ecosystem about what trust looks like when more of banking happens quietly, behind the scenes, and what it takes to keep fraud out without adding friction for the people and businesses who depend on these systems every day.Our guests include:Mette Gade (Chief Product Officer, Lunar) on building "invisible banking," why trust means giving users back their agency rather than advising them, and why fraud prevention works best as a shared community effort.Breno Oliveira (Chief Product Officer, payabl.) on whether digital identity can solve Europe's fraud problem, the rise of selective disclosure, and how agentic commerce will change fraud signals as we know them.Bankole Falade (Chief Legal, Regulatory Affairs & Public Policy Officer, Flutterwave) on building payment infrastructure across 50+ African markets, what Europe can learn from African regulatory pragmatism, and why harmonisation is the "golden ticket" for stablecoins and cross-border payments.Antoine Dauchy (Head of Product Development, FLOA) on the unique fraud challenges of buy-now-pay-later, why 3DS doesn't protect against installment fraud, and how tokenisation is making it easier for fraudsters to cover their tracks.Conny Ploth (VP, Global AI Transformation, Santander) on what it actually means to become an AI-native bank, the cultural shift required to make it stick, and why open innovation, including sharing fraud research publicly, is part of responsible AIAcross these conversations, one theme keeps surfacing: as banking becomes quieter and more automated, trust has to be built into every micro-moment, and the institutions, regulators, and product teams that get ahead of fraud will be the ones willing to share data, rethink friction, and design for agents as much as for people.Because the next wave of fraud won't announce itself. It will look exactly like normal traffic, until it isn't.Thomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniukMette Gade on LinkedIn: linkedin.com/in/mettehindborggadeBreno Oliveira on LinkedIn: linkedin.com/in/brenoaoliveiraBankole Falade on LinkedIn: linkedin.com/in/oluwabankole-falade-10a5099Antoine Dauchy on LinkedIn: linkedin.com/in/antoine-dauchy-aa99426Conny Ploth on LinkedIn: linkedin.com/in/conny-ploth-a66730

Recorded live on the floor of Money20/20 Europe in Amsterdam, this special episode of What the Fraud? brings together some of the sharpest minds in fintech to tackle the questions that matter most right now: how do you deploy AI at scale, build trust with users, fight increasingly sophisticated fraud, and keep growing without getting left behind?Direct from the Sumsub booth, Thomas Taraniuk, Head of Partnerships at Sumsub, speaks with leaders from across the financial services ecosystem about the forces reshaping the industry: from agentic AI and stablecoins to merchant fraud blind spots and the cost of compliance.Our guests include:Georgios Kolovos (Payments and Fintech Leader, EMEA, Nvidia) on whether a single AI model can power the entire payment stack, the value of transaction foundation models, and why collaboration between financial institutions is essential to staying ahead of fraudJoe Wilson (Chief Evangelist, Bunq) on building trust with expats and digital nomads, why brutal transparency is a competitive advantage, and the case for intervening on the user's side before fraud ever reaches the back endRik Goslinga (VP, Account Management, EMEA, Adyen) on the merchant blind spots that still plague the industry, why fraud is no longer just a checkout problem, and how machine learning is making the fraud-conversion-cost trade-off less of a zero-sum gameIvan Zhiznevsky (Founder and CEO, 3S Money) on unlocking new markets through modernised payments, the rise of stablecoins as a legitimate business currency, and why governments need to stop outsourcing compliance to the private sectorAcross every conversation, a common thread emerges: the fraudsters are moving faster, the technology is more powerful than ever, and the institutions that will win are the ones willing to share knowledge, question their assumptions, and embed intelligence across the entire stack, not just at the point of payment.Because in a world where fraud is being industrialised, defence can't afford to stay manual.Thomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniukGeorgios Kolovos on LinkedIn: linkedin.com/in/gkolovosJoe Wilson on LinkedIn: linkedin.com/in/risenujoeRik Goslinga on LinkedIn: linkedin.com/in/rikgoslingaIvan Zhiznevsky: linkedin.com/in/ivan-zhiznevsky-a0074190

Account takeovers have become one of the biggest challenges in fraud prevention.In this episode of What The Fraud, Tom is joined by Suz Lynch, Head of Financial Crime, and Paul Marsden, Head of Risk at Monavate, to explore how fraudsters gain access to trusted accounts, why account takeovers are becoming harder to detect, and how businesses can respond.From behavioural monitoring and AI-driven scams to the balance between security and customer experience, they discuss the warning signs, emerging threats, and practical steps organisations can take to stay ahead.Whether you're working in fraud, fintech, payments, or compliance, this episode offers valuable insights into one of the fastest-growing risks in digital finance.Sumsub's Website: sumsub.comSumsub's LinkedIn: linkedin.com/sumsubSumsub's Instagram: instagram.com/sumsubcomSumsub on X: x.com/SumsubcomSumsub's YouTube Channel: youtube.com/@sumsubcomThomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniukSuz Lynch on LinkedIn: linkedin.com/in/suzanne-lynch-68003667 Paul Marsden on LinkedIn: linkedin.com/in/paul-marsden-69a98838

“What does it really take to move digital assets from hype to institutional infrastructure?”At Consensus Miami 2026, one theme stood out clearly: digital finance is moving from experimentation to infrastructure. Institutions are no longer just exploring blockchain… they are actively rebuilding how money is moved, secured, and governed.In part 2 of this special episode of What the Fraud?, Anastasia Shvechkova, Sales Director Americas at Sumsub, sits down for conversations with leaders from across the industry at the Sumsub booth at Consensus Miami, exploring how this transformation is happening across banking, payments, custody, and compliance, and what it means for fraud risk in a rapidly scaling ecosystem.Our guests include:Adam Levine (CEO, Fireblocks Trust Company) on why institutional adoption depends on secure, scalable infrastructure and how custody and risk are evolving together.Ryan Rugg (Global Head of Digital Assets, Treasury and Trade Solutions, Citi) on embedding blockchain into enterprise banking infrastructure and making digital assets feel like just another operational rail.Myles Harrison (Chief Product Officer, AMINA Bank) on building regulated crypto banking that bridges TradFi and digital assets, and why security-by-design is essential for mainstream adoption.Jamal Rayees (Head of Strategy, Polygon Labs) on how stablecoins are becoming the first true breakout use case for blockchain-based payments.Links:Sumsub's Website: sumsub.comSumsub's LinkedIn: linkedin.com/sumsubSumsub's Instagram: instagram.com/sumsubcomSumsub on X: x.com/SumsubcomSumsub's YouTube Channel: youtube.com/@sumsubcomAnastasia Shvechkova on LinkedIn: linkedin.com/in/anastasia-shvechkova-878344118Adam Levine on LinkedIn: linkedin.com/in/adamlevine18Ryan Rugg on LinkedIn: linkedin.com/in/ryanruggMyles Harrison on LinkedIn: linkedin.com/in/myles-harrisonJamal Rayees on LinkedIn: linkedin.com/in/jamalraees

In Part 1 of our What the Fraud? special from Consensus Miami 2026, we explore how crypto is moving beyond early adoption and into mainstream finance. From regulation and compliance to payments and user growth, the conversation focuses on what it takes to scale digital assets safely in the real world.Direct from the Sumsub booth at Consensus Miami, Anastasia Shvechkova, Sales Director Americas at Sumsub, speaks with experts from across the ecosystem about the challenges shaping the next phase of digital finance, from compliance and payments to trust, scale, and user adoption.Our guests include:Lei Lei (VP of Business Development and Strategy, Kite) on building crypto-native products and driving real-world utilityMayur Gupta (Chief Growth & Marketing Officer, Kraken) on scaling adoption and bringing more users into crypto marketsLarry Wade (Global Head of Crypto Compliance and Regulatory Relations, PayPal) on how global payment platforms are navigating regulation while integrating cryptoAcross the conversation, a different set of challenges emerges: not just how to build crypto systems, but how to grow them responsibly. From user onboarding and product-market fit to compliance frameworks and regulatory engagement, the focus is on what it takes to move from early infrastructure to widespread adoption.Because once the rails are built, the real question becomes: who will actually use them, and how safely?Links:Sumsub's Website: sumsub.comSumsub's LinkedIn: linkedin.com/sumsubSumsub's Instagram: instagram.com/sumsubcomSumsub on X: x.com/SumsubcomSumsub's YouTube Channel: youtube.com/@sumsubcomAnastasia Shvechkova on LinkedIn: linkedin.com/in/anastasia-shvechkova-878344118Lei Lei on LinkedIn: linkedin.com/in/lei-lei-90720aMayur Gupta on LinkedIn: linkedin.com/in/mayurgupta77Larry Wade on LinkedIn: linkedin.com/in/larryswadejr

“What happens when the world’s biggest sporting event becomes the perfect environment for fraud to scale?”World Cup Betting KYC: https://sumsub.link/21fThe World Cup isn’t just a global celebration of football, it’s one of the largest betting events on the planet. And where volume, velocity, and global participation collide, fraud doesn’t just appear… it accelerates.Our guest this week is Ludovico Calvi, Honorary President of ULIS, United Lotteries for Integrity in Sports. With decades of experience across betting operations and international integrity networks, Ludovico shares how fraud evolves before, during, and beyond major tournaments like the World Cup.From multi-accounting and bonus abuse to AI-driven synthetic identities and coordinated betting syndicates, this conversation explores how fraud has become structured, automated, and global. We look at why major events create the perfect conditions for these systems to thrive, how fragmented markets introduce hidden vulnerabilities, and why no single operator can see the full picture alone. We also dive into the growing role of real-time data sharing, cross-border collaboration, and integrity “war rooms”, and what it takes for betting companies to balance rapid growth with resilient defences.Because in a world where billions are watching and betting… fraud isn’t just playing the game. It’s playing the system.Sumsub's Website: sumsub.comSumsub's LinkedIn: linkedin.com/sumsubSumsub's Instagram: instagram.com/sumsubcomSumsub on X: x.com/SumsubcomSumsub's YouTube Channel: youtube.com/@sumsubcomThomas Taraniuk on LinkedIn: linkedin.com/in/tomtaraniukLudovico Calvi on LinkedIn: https://it.linkedin.com/in/ludovico-calvi-033a5927