What is up fraud fighters, and welcome to Fraud Forward!

Today we’re talking about AI transaction monitoring and why it matters so much as agentic banking starts moving from concept to reality.

Because once AI agents in banking move beyond simple chat and into actions, payments, and customer instructions, the risk conversation changes fast.

This is no longer just about whether AI in banking feels helpful.

It is about whether institutions can actually monitor intent.

Trace authorization.

Support banking dispute resolution.

And reduce fraud risk without losing the trust they’ve worked so hard to build.

In this episode, I sat down with Tyllen Bicakcic to break down what agentic banking actually means, why it is gaining traction, and why AI transaction monitoring is going to become one of the most important control layers in this entire conversation.

What I really appreciated about this discussion is that we did not stay at the hype level.

We talked about real use cases.

Real banking friction.

Real fraud questions.

And the very real challenge of how banks can build safer banking with AI without creating new blind spots around governance, payment risk monitoring, and customer trust.

And the reality is this.

If AI agents are going to influence transactions, then transaction monitoring in banking has to evolve right alongside them.

• What agentic banking actually means and how it differs from traditional AI in banking

• Why AI agents in banking create new questions around intent, authorization, and accountability

• How AI transaction monitoring can strengthen banking fraud prevention and AI fraud prevention

• Why trust infrastructure in banking matters as much as innovation

How banks can think about AI governance in banking without rebuilding everything from scratch

• Why banking compliance and AI must move together as agentic payments become more practical

• How banking dispute resolution changes when an AI agent initiates or influences a transaction

• Where real-time fraud monitoring, payment risk monitoring, and AI risk signals fit into the next phase of digital banking AI

• You lead fraud, risk, compliance, BSA, AML, or payments programs at a bank or credit union

• Your team is evaluating agentic banking or AI agents in banking

• You are thinking about how AI transaction monitoring should work in real financial services AI environments

• You want a better understanding of AI payment authorization and dispute handling in an AI-driven world

• You care about building safer banking with AI without giving up control, visibility, or trust

If you liked this episode, be sure to subscribe and review the podcast on iTunes, Spotify, YouTube, or wherever you listen to podcasts.

What is up fraud fighters, and welcome to Fraud Forward!

This is one of those conversations every fraud, risk, payments, and operations leader should hear.

We spend a lot of time talking about fraud losses, scam trends, and faster payments. What we do not always unpack is where the real breakdown happens in the payment journey. Does it start at onboarding? Does it show up in authentication? Is speed the issue? Is recovery the problem? Or are institutions still misreading what payment controls are actually designed to do?

In this episode, I sit down with Kyle Caldwell from The Clearing House to unpack payments fraud prevention the way teams actually experience it in the real world:

1. Before a payment starts
2. During payment initiation
3. After the funds are sent

Because once the money moves, everything changes.

That is the core message of this episode. Payments fraud prevention is not only about the rail. It is about the full lifecycle.

Kyle brings a practical perspective to one of the biggest myths in our space. Faster payments are not automatically the cause of more fraud. In many cases, the payment itself is just the final stage of a much earlier breakdown involving identity, compromise, or weak controls.

If you work in community banking fraud prevention, credit union fraud prevention, or broader fraud operations strategy, this episode gives you a more useful way to think about risk, controls, and response in a real-time environment.

1. Why payments fraud prevention needs to begin long before the payment rail
2. How institutions often confuse rail risk with customer compromise
3. Where RTP fraud prevention differs from ACH fraud recovery and wire fraud recovery
4. Which payment initiation fraud controls exist in real-time payments that many teams overlook
5. How indemnity and recovery work in the RTP environment
6. Why real time decisioning matters more than relying on investigation after the fact
7. Where firms are overbuilt on detection but underprepared on prevention
8. Why collaboration across institutions still matters
9. What fraud leaders should be planning for as payment lifecycle fraud evolves in 2026

1. Lead fraud, risk, payments, or operations at a financial institution
2. Are reviewing RTP fraud prevention or strengthening instant payments fraud controls
3. Want to improve fraud prevention before payment initiation
4. Need a better approach to post payment fraud recovery
5. Are building a stronger financial institution fraud strategy
6. Want practical insight from The Clearing House perspective

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What is up fraud fighters, and welcome to Fraud Forward!

AI is accelerating fraud, 100 percent. But the bigger risk, the thing that should keep every fraud leader up at night, is what happens when fraud teams stop thinking strategically because the queue never ends.

In Part 2 of Fraud Forward, I’m back with Ted Josephson, VP of Bank Fraud & Credit Strategy at Synchrony Financial, and we are getting into fraud leadership at the enterprise level, where strategy, AI, automation, and culture collide.

Because let me just assure you, fraud prevention at scale requires more than tools. It requires fraud leadership strategies, fraud team leadership that protects time for long-term planning, and strategic fraud solutions that can separate normal fraud noise from the signals of a true fraud shift.

Then we get direct about AI. Where it’s delivering real value today, where the industry is still overhyping “AI” that is not actually learning, and why certain decisions, especially first-party fraud, should never be fully automated without human accountability and empathy.

And fraud fighters, we close with what Ted thinks is being underestimated right now, and it’s big. Agentic commerce creating a new accountability and disputes nightmare, plus the rise of casual “friendly fraud” as a cultural norm. Because fraud prevention evolution is not just a technology program, it is bank fraud leadership and credit risk leadership in action. This is fraud prevention innovation, and it demands strategic fraud decisions.

1. How enterprise fraud teams protect time for long-term strategy when fraud never stops
2. Why planning cannot be an extra, it has to be scheduled like any other critical operating function
3. How to tell the difference between normal fraud noise and the signals of a systemic weakness
4. What separates a short-term spike from a true fraud shift
5. Where AI is delivering real value today, including consistent case narratives and operational efficiency
6. Where the industry is still overhyping “AI” that is not actually learning
7. Why certain decisions, especially first-party fraud, should never be fully automated without human accountability and empathy
8. Why agentic commerce could create a new accountability and disputes nightmare
9. How casual “friendly fraud” is becoming normalized, and why that cultural shift matters
10. How banking fraud strategy and credit strategy leadership collide in enterprise fraud teams

1. Lead fraud solutions leadership efforts and you feel like the urgent is crowding out the important
2. Run fraud prevention at scale and need a better framework to separate noise from true fraud shifts
3. Are building fraud leadership development for your team and want practical, real-world strategy
4. Manage enterprise fraud teams and need strategic fraud insights you can apply immediately
5. Own bank fraud leadership responsibilities and want to pressure test your strategic fraud solutions
6. Are navigating credit risk leadership decisions alongside fraud risk and disputes
7. Are worried about agentic commerce, dispute accountability, and what comes next
8. Are watching “friendly fraud” become a cultural norm and need fraud leadership strategies to respond

If you liked this episode, be sure to subscribe and review the podcast on iTunes, Spotify, YouTube, or wherever you listen to podcasts. It really helps with getting the word out.