

As Community Lead for Banking at Sardine, Hailey Windham brings deep practitioner roots in fraud prevention and financial crime to the work of building an industry that too often fights fraud in silos. A Certified Financial Crimes Specialist (CFCS), she focuses on elevating practitioner voices, driving honest conversations across fraud and banking, and connecting the people doing the real work with the tools and knowledge they need.
At Sardine, Hailey shapes how the company shows up in the banking community through thought leadership, industry events, and practitioner-first content. She is also the host of Fraud Forward, a podcast bringing together fraud fighters, bankers, regulators, and industry leaders for candid, experience-driven discussions about what's working, what's broken, and what needs to change.
Before joining Sardine, she led national fraud strategy and detection for a managed services operation supporting financial institutions across the U.S., deepening her expertise in fraud operations, real-time intervention, scam response, and scalable program design for institutions of all sizes.
Known for translating complexity into action and bridging banking, technology, and law enforcement, Hailey's work is grounded in a core belief: that community, transparency, and collaboration are not soft skills — they are the infrastructure that makes fraud prevention actually work.
Articles by Hailey Windham


Phase 2 of Nacha's fraud monitoring rules is here: What community financial institutions need to know

Fraud Forward: The grassroots intersection of credit union fraud prevention and DeFi

Navigating the 2026 Nacha mandates: From passive reports to real-time defense

What Nacha’s new ACH fraud monitoring rule actually means for community banks and credit unions
Fraud Forward episodes

The reverse card: Live from ACFE

Beyond the Button: Investigating Fraud in the Age of Agentic Payments

Inside Deconflict: Bridging Law Enforcement and Banking

From Liability to Visibility: The Real Story Behind NACHA Phase 2

The Hidden Infrastructure Behind Modern Money Movement

The Most Underrated Law Enforcement Agency in Fintech

AI, Payments & the Future of Fraud Operations: Live from Safeguard

Accelerate What, Exactly? The Fraud Side of Fintech Innovation with Nyla Cortes

Fraud as Infrastructure

Payment Fraud Prevention and the Future of Trust

Future of Fraud Operations: We Can’t Fight This Alone

The State of Fraud in One Word

There’s No Such Thing as “Just a Teller”

Fraud Fight Club Debrief with Karisse Hendrick and Jen Lamont

The Gaps We Create: Controls, Strategy, and Process Misalignment w/ Angela Diaz

Where we’ve been and what’s next: Understanding fraud prevention in banking

Agentic banking and the future of AI-driven financial control

Agentic Banking: Designing the Trust Engine with Accountability for the AI Era

Before, During, After: Payments Fraud Prevention Across the Lifecycle with Kyle Caldwell

Advanced Fraud Solutions Leadership Part 2: AI Automation, and What’s Coming

Advanced Fraud Solutions Leadership: A conversation with Ted Josephson

Your Fraud Team Is Leaking the Playbook - and LinkedIn Is the Attack Surface

It’s Always Day One: Rethinking Financial Crime in a Converged World

KYC Isn’t Broken - We Just Keep Asking It to Do the Wrong Job

Agentic Commerce: The Fraud Hotbed No One’s Ready For

Fraud Isn’t a Silo…It’s a Systems Problem

Fraud at Machine Speed: What 2025 Taught Us About 2026

Leveling Up for Impact: My Big News and the Future of Banking on Fraudology

Bonus Episode - Building Smarter, Not Harder: Using AI to Eliminate Fraud’s Busy Work with Ben Graf

The Fraud Stories That Defined 2025 - And the Payment Shifts That Will Define 2026

Building a Unified Front Against Human Crime: The Knoble’s Mission, Momentum & Moment of Need

A Giant Serving of Gratitude: Thanksgiving Special on Empathy, Collaboration, & the Future of Fraud Fighting

The Next Evolution of Fraud Defense: Unlocking Collective Intelligence with Sonar AI

Bonus Episode - Why Now Is the Best Time to Fight Fraud (w/ Andrea Valentin)

International Fraud Awareness Week - Igniting the Spirit of Fraud Fighters Everywhere with John Duffley

Words Matter: Changing How We Talk About Victims of Fraud with Kathy Stokes

Protecting What Matters: Inside the IAFCI with President Mark Solomon

Document Fraud in the Age of Generative AI w/ Ronan Burke

Contraband Connections: Crime Networks Inside Prison Walls w/ Travis Cox - Part 2

Introducing Bonus Episodes, Powered by Safeguard: Exploring AI Themes in Fraud Prevention

Contraband Connections: Crime Networks Inside Prison Walls w/ Travis Cox - Part 1

Human Trafficking and the Fraud Fighter’s Responsibility: A Conversation with Freddy Massimi

Small FIs & the New NACHA Fraud Monitoring Rules (Phase 1)

From Awards to AI Attacks: Fraudology Meets in Austin

Announcing Safeguard: A New Era of Fraud, Identity, and Compliance Events Begins

Pause as a Service: Turning Fight, Flight, Freeze into Protection w/ Jen Lamont

Passion, People, and Prevention: My Fraud-Fighting Chat with Stephanie Macrafic

Fraud Prevention Conference Strategy with PJ Rohall

Banking Frauds and New Trends: From $70K Heists to Fake IDs

Cross Industry Fraud Intelligence and 314(b) Modernization - Ask Us Anything with Frank McKenna

Digital Payment Fraud and the Interagency Call for Industry Input

AML and Fraud Program Integration with Erin O’Loughlin & Brian Svoboda-Kindle

Fraud Prevention Strategy for Modern Payment Risk

Fraud Prevention for Banks and Credit Unions with Kenny Aycock

Credit Union Risk Management: Fraud, Cyber, and Cannabis Banking

National fraud prevention strategy with Matt O’Neill: Why the U.S. is falling behind in the fight against fraud

Fraud Schemes Driven by Transnational Crime Networks

Credit Union Fraud: Breaking Silos with Jessica Cartrette

Internal Fraud in Credit Unions: Controls, Oversight, and Accountability

Financial Fraud Prevention Failures in a Crypto Scam Case

Crypto Scam Prevention: Anatomy of a Modern Scam with Andrew Austin

Information Silo Risk in Fraud Prevention

Social Engineering Fraud in Everyday Banking: Tactics and Trends

White Collar Crime Investigator on Crypto and Modern Fraud

Inside the Fraud Prevention Industry at Fraud Fight Club

Fraud Fighters Unite at Fraud Fight Club

Regulation CC and the Modern Fraud Challenge

Treasury Check Fraud and the Verification Gap

Transactional Analysis for Modern Fraud Leaders

Push Payment Fraud and the $102 Billion Industry Reckoning

Financial Exploitation: Response Strategies for Banks

Community Fraud Prevention and the Power of Volunteering

Online Romance Fraud: Psychology and Victim Impact

Financial Fraud Trends 2024: What Banks Face in 2025

Bank Scam Liability and Prevention Strategies

Romance Scam: A Victim’s Story and Bank Warning Signs

Coordinated Scam Networks Behind Pig Butchering

Fraud Trends 2025: Strategy and Resolutions for Banks

Fraud Ambassador Program: Empowering Frontline Teams

Bitfinex Bitcoin Heist: Lessons for Fraud Teams

Authorized Payment Scams and 314B Data Sharing Reform

Fraud Fighting Community: Gratitude and Industry Wins

First-Party Synthetic Identity Fraud and Bust Out Schemes

Real Time Fraud Detection in Modern Banking

Payment Rail Risk: Glitch Fraud and Zelle Abuse

Human Centered Financial Crime Investigation in Banking

Human Trafficking Factors Financial Institutions Must Detect

Sextortion Scam Detection Strategies for Banks

Internal Audit Role in Fraud Prevention Strategy

Victims of Scams and Romance Fraud Prevention

Vulnerable Scam Groups and AI Fraud Prevention

OSINT Open Source Intelligence in Fraud Investigations

Fraud Impact on Families and Fraud Professionals

Corporate Fraud and Whistleblower Lessons from Fraud Retreat

Data Capture in Trust and Safety Strategy

Fraud in Organizations and AI Risk Controls

Fraud Threat Facing Financial Institutions Today

Financial Crime Prevention and Industry Collaboration

E-Commerce Data Breach Risk and Bank Response

Marketing Fraud Awareness Strategies for Credit Unions

Impact of Money Mules on Banking and Fraud Risk

Online Scam Awareness for Youth and Families

Banking Ethics and Internal Audit in Fraud Prevention

Financial Compliance and Call Center Fraud Risk

Tech Support Scams and Bank Response Strategies

Fraud Detection Technology and Blockchain in Credit Unions

First-Party Fraud and Customer Lifecycle Risk

Fraud Risk Assessment for Fintech and Banking Leaders

Crypto Crime Protection and Operation Shamrock

Customer Lifecycle: Strengthening Fraud Accountability

Transaction Patterns: Strengthening E-Commerce Fraud Detection

