Episodit
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As online scams have grown rapidly in scale and sophistication over the past decade, so has their potentially devastating impact on individuals. In our latest Veriff Voices podcast, Ronnie Tokazowski, Chief Fraud Fighter at nonprofit Intelligence for Good, discusses the psychology of fraud and how his organization helps victims deal with the very real consequences, both financial and emotional.
[00:45] Introduction
[02:08] How Ronnie got involved in what became Intelligence for Good
[05:06] What an average day in the life of a Chief Fraud Fighter looks like
[08:07] The best tools to combat online scams
[11:56] Use of both AI and human interaction in committing fraud
[14:17] What is pig butchering scams are and how they are executed?
[16:47] The scale of the problem and the implications for recovering funds
[22:05] The root psychology behind pig butchering
[26:19] The emotional impact of becoming a victim of this type of fraud
[28:16] The need for organizations to take this sort of fraud and its impact more seriously [29:40] The responsibility of organizations to take responsibility and act to address the issue [34:17] The huge scale of online fraud as an issue and its growth over time
[36:55] Preventative measures to protect against business email compromise
[38:57] Preventative measures against romance scams and pig butchering
[43:28] Resources available for victims of online scams and how they can help themselvesLearn more on our website: https://www.veriff.com/podcasts/pig-butchering-scams.
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The rapid shift towards digitization has transformed how companies operate and interact online. In this episode, Matt Collis, Co-Founder & CEO of StackGo, joins us to explore the pivotal role of software tools in building customer confidence and ensuring smooth implementation. Discover how StackGo addresses gaps in fraud prevention and compliance, and how their partnership with Veriff provides swift, robust identity verification to not only save businesses time and money, but also create a bond of trust with customers.
[00:57] Introduction [02:24] About StackGo [03:50] Partnership with Veriff and benefits [06:02] Improving security and customer experience [08:04] Target market and market gaps [11:50] Tech implementation and integration [15:06] Benefits of speedy implementation [17:45] Anecdote: class action law firm [21:25] Building trust and privacy [23:29] Trust as a differentiator [26:25] The future of identity verification [28:00] Increasing regulatory control [32:45] Partnership between Stackgo and Veriff Learn more: https://www.veriff.com/case-studies/veriff-powers-stackgo-identity-checks. -
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Rapid digitalization in Latin America is making effective online fraud prevention a growing priority for companies. In our latest podcast, Sacha Vasilkioti, Data Verification Product Manager at Veriff, explains the similarities and differences across the region’s key markets, and discusses how Veriff adapts its identity verification solutions and operations to best address particular local needs.
[00:47] Introduction
[01:26] The primary markets Veriff is focusing on in Latin America
[02:31] The market potential for identity verification in Latin America
[04:00] Fear of fraud and online trust as an issue in the region
[04:50] Current priorities in the Colombian market
[06:23] Dealing with potential obstacles to digitalization in the Colombian market
[09:23] Sectors of the market seeing most growth in Colombia
[12:49] The unique customizability of Veriff’s identity verification solution
[15:59] Reliance on manual processes in Latin America, and Mexico in particular
[18:06] Key sectors and use cases for Veriff’s solutions in the Mexican market
[20:38] How Veriff is adapting its offering and services for Latin American markets
[23:19] Key sectors for Veriff in Brazil
[24:21] Similarities and differences between fraud in Latin America and other regions
[25:48] How relative cost impacts how identity verification is used in Latin American markets
[28:06] Predictions for the next 12 months in Latin American market
Learn more on our website: https://www.veriff.com/podcasts/global-problem-local-solutions-customer-verification-latin-america. -
Veriff’s SVP of Operations Mike O’Callaghan has spent decades scaling operations in global tech firms including Skype, eBay, Microsoft, Amazon and Expedia. We talked to him about why running operations at Veriff is his latest opportunity to ‘make a dent in the universe’.
[00:29] Introduction
[03:18] Key learnings from 30 years of working in operations
[07:09] The importance of both AI and the human element in identity verification (IDV)
[09:25] The role of operations at Veriff
[12:45] What we're seeing in the customer verification market
[15:25] Treating Veriff customers as unique while ensuring an equal level of service for all
[18:53] Understanding new customer’s requirements and delivering on them effectively
[22:41] The unique customizability of Veriff’s IDV solution
[27:14] How Veriff works with customers to move from proof of concept to full-scale services
[30:33] A mission to make the internet a safer place
[32:27] Trends to look out for in IDV in 2024
[37:06] Key takeaways for prospective customersLearn more on our website: https://www.veriff.com/podcasts/veriff-idv-solutions-unique-features.
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Chris Corfield and Bonnie Juett from Crown Agents Bank join us to discuss their digital transformation in the pension industry. They address the challenges of implementing technology for an older demographic, emphasizing the need for simplicity, clear communication, and a human touch. Their digital proof of life solution has seen high uptake and low abandonment rates. They also talk about transitioning their pensions payroll from manual forms to more efficient processes, overcoming high abandonment rates with customized solutions from Veriff.
[01:15] Introduction to Crown Agents Bank [02:39] Current solutions for pension clients [04:50] Challenges of technology adoption for older demographic [07:32] Creating a user-friendly flow [10:11] Early explorations and selecting Veriff as a partner [12:33] Implementation and integration process [14:25] Impact and metrics of the digital proof of life solution [18:35] Growing acceptance of biometrics [20:07] The human impact [24:30] What's in store for the next 12 months? [29:57] A hollistic approach [32:07] Importance of clear communication and a human touchLearn more on our website: https://www.veriff.com/case-studies/a-digital-solution-with-the-human-touch.
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In this episode, we explore the growing threat of fraud in the music industry, from unauthorized distribution to fake streaming and fraudulent royalties. Sebastián Mañana Lenzi, CEO of SonoSuite, discusses the profound impact of these issues on music entities and emphasizes the pivotal role of AI in fighting fraud. Discover how the collaboration between Veriff and SonoSuite ensures the integrity of digital music distribution through advanced identity verification solutions.
[00:47] Introduction
[01:36] SonoSuite's unique use case
[02:50] Challenges of fraud and compliance in the music industry
[04:16] Financial and reputational damage of fraud
[07:59] Robust fraud prevention as a differentiator
[11:17] Main market challenges for the music industry
[12:37] The role of AI in combating fraud
[14:29] Cross-business collaboration
[16:20] Tools used by professionals in the music industry
[17:50] Looking ahead to the next 12 months
[20:25] Cultural similarities between Veriff and SonoSuite
[21:34] Music industry trends Learn more on our website: https://www.veriff.com/case-studies/veriff-partners-with-sonosuite. -
Inti De Ceukelaire is Chief Hacker Officer at bug bounty and vulnerability disclosure platform Intigriti and a founding member of the Hacker Policy Council. He talked to us about the benefits to companies of ethical hacking and the rising issue of abuseware – the weaponization of legitimate tools to commit fraud.
[00:47] Introduction and how Inti got involved with Intigriti
[03:44] The purpose of the Hacking Policy Council
[06:44] The rising problem of abuseware and why fraudsters are using it to commit cybercrime
[13:08] Customer expectations of robust fraud measures
[14:59] How businesses can stay ahead of AI-driven fraud
[19:07] How ethical hacking and bug bounties work
[25:43] Ethical hacking as a creative pursuit
[27:53] A creative hacking anecdote involving Donald Trump
[29:43] Why hacking is 90% in your mind
[31:24 Upcoming cybercrime trends and threats
[33:28] What to expect from Intigriti in the future
[35:50] Inti’s top security tip for individuals and enterprisesLearn more on our website: https://www.veriff.com/podcasts/what-is-abuseware-and-how-can-you-combat-it.
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Senior academic, educator. and fraud examiner Dr Rasha Kassem joins us for this episode of Veriff Voices to address the multiple impacts of fraud on organizations, their customers, their employees, and wider society.
[00:54] Rasha talks about her professional background
[02:18] Why each case of fraud is unique and the importance of the human element
[04:09] How Rasha developed her interest in fraud
[08:18] The impact of fraud on innocent individuals in an organization
[12:46] The use of language around fraud and recognizing it as a crime
[15:56] Treating scams and fraud equally
[18:10] Combining technology with human expertise to counter fraud
[24:34] The need for greater collaboration in addressing fraud
[25:37] Understanding the psychology of insider fraud
[27:36] The need to raise awareness about the nature of insider fraud
[28:22] The role of internal culture in preventing insider fraud
[29:14] Having an effective whistleblowing process in place
[30:14] Monitoring processes to address fraud and investing in improving them
[31:48] Final advice for helping individuals avoid becoming victims of fraudLearn more on our website: https://www.veriff.com/podcasts/seven-key-steps-to-counter-insider-fraud.
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Luke Govier, Veriff's VP of People, explores our company culture and its role in attracting partnerships and talent. Trust, innovation, and impact are pivotal in drawing like-minded individuals to a scaling company. The conversation emphasizes effective decision-making and execution in a dynamic environment, as well as the promotion of work-life balance. Join us for insights into the future of our culture and values, highlighting our commitment to innovation and experimentation.
[00:00] Introduction [02:25] A strong mission and a resilient culture [03:53] Working for a scaling company [05:36] Attracting a certain personality type [07:42] Benefits and challenges of working for a scale-up organization [11:34] Motivating and aligning teams in a constant state of change [13:38] Building and maintaining an inclusive and diverse team [15:53] Building a culture of good decision-making and execution [18:37] Ensuring Veriff's values and mission are reflected consistently in its culture [23:10] Looking aheadLearn more on our website: https://www.veriff.com/podcasts/cultivating-culture-to-foster-innovation-and-build.
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Zane Homsi, AI Product Manager at LinkedIn, joins us to discuss the human-centric approach to product development and the importance of clear product principles. He predicts that identity will become digital-first, education will undergo significant changes, and digital doubles will play a role in increasing efficiency. Zane also discusses the evolving threats in fraud prevention and the role of innovation in combating them.
Please note that the views expressed in this episode belong to Zane and not the organization - LinkedIn.
[00:57] Introduction and background
[02:49] Human-centric approach to product development
[06:43] Balancing speed, agility, and ethics
[11:45] Feedback loop and collaboration
[22:45] Evolving threats and the role of innovation
[29:13] Predictions for the futureUseful links:
Inversion: The Billionaire Thinking Skill You Were Never Taught in School. – Mayo Oshin
Dashlane Password Manager
LinkedIn’s responsible AI principles
Learn more on our website: https://www.veriff.com/podcasts/the-digital-trifecta-using-ai-for-speed-agility-and-ethics.
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Unlock the secrets to safeguarding financial services in the digital age with insights from Kevin Shine, VP Sales and Partnerships at Fraud.net. He outlines how the evolving fraud landscape is driven by digitization, legacy technology, and data silos. Discover how real-time transactions and regulatory demands are exposing vulnerabilities, and how to harness the power of AI and machine learning to prevent fraud.
[00:26] Intros
[0:58] Kevin's background and Fraud.net
[02:26] The move to real-time transactions and regulatory pressures
[06:32] Digital fraud in financial services
[07:44] Digital transformation challenges
[10:09] Fraud prevention as a differentiator
[12:01] Data sharing and collaboration
[13:13] Types of fraud in financial services
[19:14] Education and customer engagement
[21:16] Balancing user experience and friction
[23:38] The future of fraud in financial servicesLearn more on our website: https://www.veriff.com/podcasts/the-evolving-landscape-of-fraud-prevention-in-financial-services.
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A self-confessed law enthusiast, Dmytro Sashchuk, Associate Legal Researcher and Analyst at Veriff, joins us to discuss age verification laws and their impact on businesses. These regulations vary from one region to the next, but they share a common and crucial goal: protecting children and vulnerable groups. Dmytro shares best business practices for compliance, trends and challenges in age verification, and how Veriff is tackling them.
[00:49] Introduction
[03:56] Differences in age verification laws around the world
[11:28] What is the Online Safety Act and how will it impact children?
[17:34] What compliance trends and challenges are businesses facing?
[21:10] Industries affected by age verification regulations
[26:26] Age verification solutions
[28:42] How will the regulatory landscape change in 2024?Learn more on our website: https://www.veriff.com/podcasts/age-verification-around-the-world.
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From local government to the healthcare, Mike Haley has since spearheaded efforts in fraud detection and prevention for over 30 years. In his current role as CEO of Cifas, a not-for-profit focused on fighting fraud and financial crime, Mike aims to foster cross-sector collaboration to confront fraud head-on. In this episode we discuss the role of social engineering in the evolving fraud landscape, how automation is enabling fraud at scale, and the need to reshape the narrative around fraud victims.
[00:50] Mike’s first role and accidental journey to a career in fraud prevention
[02:50] Transitioning to more a strategic role
[06:00] Lord Goldsmith's 2006 review of fraud, a turning point
[07:21] A short-sited closure of the National Fraud Authority has likely cost the UK millions in fraud
[08:11] Bringing an anti-fraud culture to the Ministry of Defense
[09:22] Prevention is better than cure
[11:34] Social engineering
[15:17] The impact of deepfakes on social engineering
[19:22] A smart community working together to stay ahead of fraudsters
[19:54] A new and perfect storm
[21:04] Social engineering and automation
[21:56] An increase in identity fraud
[23:58] Protective Registration, a Cifas solution
[26:05] Collaboration and data sharing
[34:33] Changing the narrative around victims of fraud
[38:25] Mike's predictionsLearn more on our website: https://www.veriff.com/podcasts/the-perfect-storm-data-breaches-and-social-engineering.
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Broadway actor turned talent acquisition expert, Andrew Allen, discusses flexible working and Crossover's distinctive approach to helping skilled workers find their dream job. Remote work has become a major trend in the last decade, bolstered by the Covid-19 pandemic, and Crossover is at the forefront of hiring talent for some of the world's leading digital innovators. As VP of Marketing, Andrew sees firsthand the challenges in verifying global workers' identities and skills and how Veriff has helped address them. We explore the global talent market, trust and inclusivity in remote work, and harnessing AI to enhance the hiring process.
[00:54] Introduction
[02:31] Crossover's unique value proposition
[05:53] A diverse client base
[07:56] The need for IDV in remote hiring
[10:22] Cost of not implementing IDV
[12:09] Integration of Veriff into Crossover's Systems
[13:44] Impact of Veriff on Crossover's business and differentiation in the market
[16:38] Future of remote hiring and global talent pool
[20:04] Challenges and opportunities in fraud prevention
[22:53] Importance of Veriff's document coverage for Crossover
[24:00] Role of AI in Crossover's futureVisit Crossover's website: https://www.crossover.com/.
Discover their bi-weekly Out of Office podcast: https://www.youtube.com/@crossover4work.Learn more on our website: https://www.veriff.com/podcasts/empowering-global-talent-insights-from-a-remote-work-evangelist.
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As the lending and financing industry experiences unprecedented growth, Dana Endicott, Senior Vice President at US lender Vantage Recreational Finance (VRF), shares her insights into the unique challenges faced by her company - from combating fraud to ensuring a seamless customer experience. Discover how VRF leveraged advanced technology, including Veriff's fraud prevention solutions, to thwart identity theft attempts and protect both buyers and sellers in the evolving landscape of financial security. Discover the proactive measures they've taken to educate and collaborate with industry peers to set new fraud prevention standards.
[01:13] Introduction
[02:56] The use case for VRF
[05:24] What business problem did Veriff solve?
[09:09] Why chose to work with an external supplier over dealing with the issues in-house?
[11:24] The user experience
[13:26] Getting internal buy-in and testing a solution internally
[15:08] Having a robust fraud prevention strategy as a USP
[17:31] Being agile in your defences and working with friendly competition
[19:31] The true cost of fraud
[20:52] What we can expect to see from VRF in 2024Learn more on our website: https://www.veriff.com/case-studies/case-studies-veriff-and-vantage-recreational-finance-verifying.
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Currently in beta testing and set for a full launch on February 14, 2024, viida is life is a live video-based speed dating app that aims to make online dating fast, fun, and safe for users. We spoke to co-founders Ashraf Elashiry and Harin Rhandawa about viida's fresh new take on the online dating scene, their vision to create happier humans, and why creating a safe environment for users is a key differentiator for their business.
[01:10] Introduction
[03:37] The concept behind viida is life
[05:05] How it will differ from other dating apps
[09:35] The challenges faced when creating a new dating app
[10:26] Online safety, validation, and efficiency as their USP
[12:27] Future trends in online dating
[15:37] Ashraf’s fears in the run up to their launch
[16:53] Excitement as the app nears launch
[17:46] Harin on taking chances and not living with regrets
[20:10] Embedding safety, trust, and respect in to viida’s culture
[22:42] Safety and verification as a differentiator for viida
[24:04] What users can expectLearn more on our website: https://www.veriff.com/podcasts/trust-as-a-differentiator-in-the-online-dating-world.
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Fellow Estonian tech company eID Easy is an aggregator and provider of secure and easy-to-integrate global digital signature infrastructure for businesses. We chatted to the company’s cofounder Joao Rei about how the electronic signature market has evolved, the challenges it faces as it looks to the future, and why he’s excited about partnering with Veriff to build trust online – by taking safety and security to the next level.
[01:19] Introduction to eID Easy and their partnership with Veriff
[04:19] Significance of integrating digital signatures and identity verification in a single solution
[08:10] Balancing robust compliance with user-friendly onboarding
[11:55] Addressing fraud concerns while acknowledging some fraud is inevitable
[12:48] The key differentiators for the partnership between eID and Veriff
[15:34] The challenges to widespread adoption of identity-based signatures
[19:28] What excites Joao about this partnership
[20:49] The challenges involved in making the partnership successful and why it will take time
[23:39] Concluding thoughtsYou can learn more on our website: veriff.com.
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In the second Veriff Voices episode with our Senior Vice President of Product, Suvrat Joshi, we tackle the thorny topic of AI bias. With more than two decades of product leadership experience at major tech companies including Amazon, Dropbox, Meta, Microsoft, and Yahoo, Suvrat is well versed in how algorithmic bias can affect technological applications. In this conversation, we focused on how Veriff uses reinforcement learning from human feedback (RLHF) to address bias in our systems.
[01:11] The biggest threats and issues resulting from AI bias in general
[02:37] What causes AI bias in the first place
[03:44] Can AI bias ever be beneficial?
[04:34] Is it possible to have an unbiased AI model?
[05:56] Specific issues relating to AI bias in identity verification (IDV)
[07:09] What organizations can do to address AI bias
[08:42] How Veriff identifies and addresses AI bias in its applications
[10:21] How reinforcement learning from human feedback (RLHF) can be used to address bias
[11:22] How RLHF can provide reassurance to customers in relation to the use of AI
[12:18] Some specific use cases for RLHF by sector
[13:08] How RLHF works
[14:41] Can RLHF be used to effectively remove bias?
[15:27] RLHF as a differentiator for Veriff
[17:47] How RLHF enables Veriff to offer a superior product
[18:31] What to expect in terms of developments in generative AI in 2024You can learn more on our website: https://www.veriff.com/podcasts/having-lead-product-development-for-amazon-dropbox.
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Our Senior Vice President of Product Suvrat Joshi’s impressive CV combines a background in coding with an MBA from Berkeley and over 20 years at the coalface working for tech companies of all sizes. We sat down with Suvrat to talk about the challenges and benefits of working across geographies and industries, adapting to the ever-evolving demands of the identity verification space, and ensuring that Veriff’s products are always of the highest possible quality.
[01:11] Introduction
[01:54] Suvrat's reasons for joining Veriff
[03:00] How Suvrat collaborates with a globally dispersed team
[04:09] Varied management styles and their impact on final products
[06:32] Key components of the product development process
[07:51] Determining the success criteria for a product
[09:08] Launch of the Age Estimation product
[10:24] Catering to customer needs across different regions and industries
[12:25] Staying updated on the latest technology and trends
[13:30] The potential impact of generative AI in the verification space
[14:34] Advice for aspiring product managers
[16:18] Similarities in product management across different companies
[17:20] What Suvrat means by the term 'spicy'
[18:45] Highlights of working in various locationsYou can learn more on our website: https://www.veriff.com/podcasts/our-senior-vice-president-of-product-on-how-to-adapt.
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Kathryn Sharpe is Head of Financial Crime Product at Griffin, an API-first UK bank and full-stack banking-as-a-service platform. Griffin was set up to help companies embed financial services into their own products and manage complex infrastructure and compliance requirements, enabling them to focus on their core business. We talked to Kathryn about financial crime, the impact of AI on financial services, and how collaborating with Veriff is helping Griffin deliver for their clients.
[01:21] Introduction
[02:15] What does Griffin do?
[03:12] How Griffin chose to work with Veriff
[04:42] The alignment of values and priorities between Griffin and Veriff
[06:20] The impact of implementing Veriff’s services
[08:11] Regulatory trends
[10:14] The benefits and challenges of making financial services more accessible
[12:28] How Griffin prioritizes customer safety
[14:54] Griffin’s unique perspective on fraud
[15:57] How Griffin responds to fraud
[16:55] How AI will impact fraud and financial crime
[19:54] The right approach to using AI as a fintech
[23:02] The appetite for third-party outsourcing in financial services
[25:42] The current developments at Griffin
[27:09] Preparing to enter a new sectorYou can learn more on our website: https://www.veriff.com/podcasts/griffins-head-of-financial-crime-product-on-the-implications.
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