What’s up fraud fighters, and welcome back to Fraud Forward!

Over the last few months, I've had more conversations about agentic payments than just about any other topic. At conferences, on webinars, and in discussions with some of the smartest people in payments, compliance, and fraud, one thing has become clear to me: I think we're asking the wrong question.

Most people want to know whether AI will start moving money.

The question I keep coming back to is this: How do fraud teams investigate transactions when software starts making decisions?

In this solo episode, I pull together insights from recent conversations with Matt Vega, Mary Ann Miller, and Matt Janiga to explore what agentic commerce really means for fraud investigations, SAR reporting, and the future of financial crime investigations. We talk about why traditional fraud models have always assumed a human initiated the payment, why that assumption no longer holds, and what investigators will need to understand when AI agents begin making decisions on behalf of customers.

The technology may be changing, but the principles of good fraud prevention are not. Documentation, audit trails, authority management, explainability, and strong transaction monitoring will become even more important as agentic payments move from theory to reality.

• Why agentic payments are fundamentally different from traditional payment automation.
• How agentic commerce changes the way fraud teams investigate payment fraud.
• Why audit trails, attribution, and explainability will become essential during fraud investigations.
• How SAR reporting and AML investigations may evolve as AI becomes part of the payment decision process.
• Why regulators are focused on enabling innovation safely instead of slowing it down.
• The three questions every fraud investigator should begin asking today to prepare for the future.

• Work in fraud prevention, AML compliance, investigations, or financial crime.
• File suspicious activity reports or conduct SAR reporting.
• Lead fraud operations, transaction monitoring, or payment investigations.
• Are evaluating how AI and agentic commerce will affect your institution.
• Want practical steps your team can begin implementing today instead of waiting for the rulebook to catch up.