

As Head of Fraud Strategy at Sardine, Chen Zamir brings over 16 years of hands-on experience in fraud, risk, and fintech—translating deep practitioner insight into clear, differentiated narratives for fraud leaders across fintech and eCommerce. A former founder and long-time operator, he has spent his career building and scaling AI-powered risk systems, guiding organizations through complex product, data, and engineering challenges, and aligning cross-functional teams around strategies that actually work in the real world. At Sardine, he helps shape the fraud prevention story, guides product direction to ensure it reflects true market needs, and represents the company’s expertise through thought leadership, industry events, and strategic partnerships.
Before joining Sardine, Chen founded Native[risk], where he advised leading fintechs and fraud prevention companies on strategy, AI-driven risk systems, and organizational scaling. He also writes The Saturday Fraud Strategist, a widely read weekly newsletter that distills complex fraud, fintech, and risk topics into clear, actionable insights for practitioners. Previously, as Co-Founder and CTO of Fraugster, Chen led engineering, data, and product teams while steering the company through major product launches, fundraising, and commercial growth.
Articles by Chen Zamir


The front-door philosophy: Shifting e-commerce fraud prevention to pre-authorization

Why card testing is now a board-level problem

Anthropic released a KYC agent: Here’s what it actually is, and who should use it

The Future Fraud Stack: Why AI Won't Replace Rules or ML

Agentic AI fraud investigation: A step-by-step guide

Reducing false positives at the system-level

What the MRC’s 2026 report is actually saying about Agentic AI

Fixing fraud controls: How to reduce false positives inside your system

Fraud rules vs. workflows: Why rules alone have a ceiling

The anatomy of false positives: Turning data into intelligence

Write a high-performing fraud rule with me: A real-world example

How to measure false positives in fraud systems that hide them

How to build a fraud incident response fire drill playbook that actually works

How to release fraud rules safely

