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title: Chen Zamir
source_page: https://www.sardine.ai/authors/chen-zamir
canonical: https://www.sardine.ai/authors/chen-zamir
format: text/markdown
description: 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. ‍
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# Chen Zamir

Head of Fraud Strategy

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
- Token fraud: Four ways fraudsters get AI compute without paying for it
- We trained a foundation model on spending and it caught 35% more fraud
- How polymorphic fraud attacks treat your defenses as data
- Why your fraud AI works better when it lives inside your fraud platform
- Five things we learned building fraud AI that will save your team months
- The future of Agentic Fraud Ops: How to monitor fraud AI agents before they drift
- Agentic AI’s ROI and what it actually does for your fraud team
- The future of Agentic Fraud Ops: Most fraud teams are about to cut the wrong function
- The future of Agentic Fraud Ops: Handing over your operations to AI agents
- Systemic promo abuse: A strategic shift to intelligent infrastructure
- The future of Agentic Fraud Ops: Your fraud team is running at the wrong speed
- 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
- 5 AI use cases your fraud team should be using right now
- How to release fraud rules safely