#11168 min
詐欺対策の皆さん、こんにちは！Fraud Forward へおかえりなさい！
私は、詐欺対策の専門家でいっぱいの部屋で、1つだけ質問をしました。「現在の詐欺の状況を、1つの言葉で表してください。」
そして答えは？ 加速。混沌。爆発的。恐ろしい。手に負えない。
誰も「安定している」とは言わなかった。誰も「制御できている」とは言わなかった。
そこで今回のエピソードでは、そうした回答から見えてくる不正の進化トレンド、現在の不正情勢、そして銀行や金融サービス、あらゆるチャネルで、不正が私たちのシステム設計を上回るスピードで進化していることによって、各不正対策チームがどのようなプレッシャーにさらされているのかを紐解いていきます。
これは単に最新の不正トレンドの話ではありません。これは、不正攻撃の進化、AI を活用した不正攻撃、組織的な不正の動向、そして現実の人々をリアルタイムで守ろうとする際に直面する運用上の現実についての話です。
このエピソードでお届けする内容：
- 最前線で活躍する不正対策の専門家による、進化し続ける不正トレンドの体系的な解説
- 銀行、決済、金融サービスの姿を変えつつある最新の不正トレンドの考察
- AI を活用した詐欺攻撃と自動化が、詐欺行為の手口をどのように加速させているかについての洞察
- なりすまし詐欺からソーシャルエンジニアリング詐欺まで、チャネル横断型の不正トレンドに関する考察
- 不正対策業務のトレンドと、なぜチームが先手よりも後手に回っていると感じているのかに焦点を当てた考察
- より迅速かつ組織的な攻撃に適応するための、実践的な不正防止戦略のインサイト
- 不正対策のエコシステム全体において、より強力な連携、ベンチマーク、そして情報共有を促す呼びかけ
これは、詐欺がどのように「感じられる」かという話から、実際にそれに対して何をすべきかという行動の話へと踏み出す回です。
誰が聞くべきか：
- 金融機関の経営層および不正対策の専門家
- リスク、コンプライアンス、およびサイバーセキュリティ担当チーム
- 不正対策業務、決済部門、およびプロダクト部門のリーダー
- 金融サービスにおける不正の動向を追跡している銀行および信用組合のチーム
- 業界の提唱者や不正対策コミュニティのメンバー
- 現代の不正行為の動向と、その変化の速さを理解しようとしているすべての人
もしあなたがこの業界にいて、そのプレッシャーを感じているなら、このエピソードはあなたのためのものです。なぜなら、私たちは皆それに向き合っているからです。
エピソードノート
このエピソードは一つの問いを軸に展開されます。いまの不正行為を一言で表すとしたら、どんな言葉になりますか？
加速。爆発的。複雑。分断。恐ろしい。これらの答えは単なる感情的な反応ではなく、変化しつつある不正行為のエコシステムを示すシグナルなのです。
これらの回答から見えてくる進化し続ける不正のトレンドについて説明します。具体的には、AI を活用した不正攻撃、なりすまし詐欺の傾向、ソーシャルエンジニアリングによる不正の動向、そして現在まさに金融機関を直撃している不正のスケーリングトレンドなどです。
また、なぜ不正防止が「起きてから対応する」だけの受け身では通用しないのかについても掘り下げていきます。現在の不正の状況はあまりにもスピードが速く、つながりが密で、チャネルをまたいでいるため、損失が発生してから対応していては間に合いません。私たちには、より優れたベンチマーク、より強力な連携体制、そして自分たちが今どの位置にいて、何を変える必要があるのかを理解するのに役立つ、より明確な不正防止戦略のインサイトが必要です。
あらゆるアラート、あらゆる詐欺、あらゆる事案の背後には、守られるべき一人ひとりの人間がいます。
重要なポイント
- 進化し続ける不正の傾向は、多くのチームが無理なく対処できるスピードを上回っています。
- 最新の不正行為の動向は、AI、自動化、そして組織的な不正グループの活動によって形作られています。
- 銀行や金融サービスにおける不正の傾向は、より複雑化し、チャネルをまたいで連携・組織化されるようになっています。
- リアクティブ型からプロアクティブ型への不正防止は、もはや単なる戦略上の議論ではなく、業務上の必然となっています。
- なりすまし詐欺やソーシャルエンジニアリング詐欺の傾向は、犯罪者が効果的な手口を研究しているため、増加しています。
- 不正対策の動向から、チームにはより良いデータ、より強力なベンチマーク、そしてより多くの情報共有が必要であることが示されています。
- 現代の不正行為の傾向に対応するには、組織やチーム、チャネル、そしてより広い不正対策エコシステム全体での連携が不可欠です。
これは、単に不正対策を強化することだけが目的ではありません。責任を持って、そして共に取り組むことが重要なのです。
このエピソードでは、現在の業界の状況をありのままに見つめています。
私たちが目の当たりにしている不正攻撃の進化は、スピードも速く、複雑で、正直言って圧倒されるほどです。しかし、そのプレッシャーにきちんと名前を付けることには意味があります。そうすることで、どこから取り組み始めればよいのかが見えてくるからです。
現在の不正行為の状況をより明確に理解し、私たちが目にしていることを共有し、受動的な対応から能動的な予防へと転換することができれば、不正全体のエコシステムにわたって、より強固な防御体制を築くことができます。
この仕事には意味があります。それを支える人々にも意味があります。そして、私たちが守る人々はそれ以上に大切な存在です。
常に警戒を怠らず、情報をアップデートし続け、詐欺対策を前進させていきましょう。
Episode transcript
Hailey Windham
00:05
What's up, fraud fighters? I bet you thought that this was going to be episode 100. Well, it's not. I have a couple of tricks up my sleeve, and I'm so excited for episode 100. But it's not happening yet. But it will be a town hall, a live town hall, and I'm very excited for you all to see the guest lineup that I have selected for you all.
Hailey Windham
00:26
And truly, it's going to be one of those conversations that I can't wait to have. So okay, back to today's episode. So this is episode 99.1, 2BC, something. So at Fraud Fight Club, I asked a simple question. It was, if you had to describe the current state of fraud in one word, what would it be? And the answers, they didn't match, but somehow they all told the same story.
Hailey Windham
00:51
So let's start there. Acceleration. Ever-changing. Chaos. Scary. Nuts. Unmanageable. Complex. Insane. Growing. Challenging. Constantly changing. Fractured. Complex. Job security. Explosive, actually.
Hailey Windham
01:09
Here's what stood out to me. No one hesitated. No one said stable. No one said manageable. No one said it's under control. Every single answer pointed to movement, speed, change, pressure. So let's break that down. Acceleration.
Guest
01:09
I would say infused by AI. Infused by orchestrated processes that criminals are now executing. So we know about the scam compounds in Cambodia, Southeast Asia, now proliferating all over the world.
Guest
01:37
That is going to be very much accelerated by AI, automation and AI. Criminals are going to deploy all of that, but not only the AI component, just getting better. So one common thread that I heard at this conference is impersonation scams are really growing, and less of the other scams, less of the job scams, less of the toll scams, maybe.
Guest
01:59
And I think that's because the criminals are doing analytics, and they're finding out that those scams are really the authority scams in the U.S., at least, are very, very effective. Yeah. So they're doing less of the others and more of what works. So they're just learning, taking insights, sharing data, and doing what works for them to, unfortunately, scam our population.
Guest
02:20
Explosive. Actually, this is the highest volume of fraud I've seen in my 28 years in the fraud industry. It's evolving and constantly changing, and it just is not going away. For every step we make, they try to make two steps in front of us. We come back at it, and we're fighting the good fight.
Guest
02:37
But it is explosive at the moment.
Guest
02:37
Growing. Yeah, for sure. For sure. It is growing exponentially, I think.
Hailey Windham
02:37
Yeah. And keeping up is hard.
Guest
02:37
Yes, yes, yes.
Hailey Windham
02:37
All right. So you heard words like acceleration, explosive, growing. That's not just about more fraud. That's about how fast it's evolving. AI, automation, organized operations. Fraud isn't just increasing, it's scaling, and not in a slow, predictable way.
Guest
03:05
Complex. Oh, yeah. For sure. For sure. I feel like, number one, you have to have that holistic understanding of not only payments, but your infrastructure, plus all the fraud threats. Plus, like, how do risk and payments and product and member service really all intertwine? So that's that complex word. I think, really, I was just talking to the head of one of the largest payment organizations in the world.
Guest
03:30
And no longer are we just analytics or investigators. It's always the end-to-end lifecycle, from data and analytics all the way to, like, almost collections. It's the full lifecycle of everything that banking has all in one team. Of course it's hard. And then our threats are hard, and they're doing evil things. And then it's not just like we can put a widget in. It's like it's just from case management all the way to the front end.
Guest
03:51
It's amazing. What a great field. Seriously. But it is tough.
Guest
03:51
Fraud today, I would say fractured, quite honestly. I think that there's been a lot of conversation around data sharing and trying to, you know, bring together various operators, financial institutions, organizations, and trying to combat fraud. But, you know, we're all still kind of siloed, and we're also siloed in our own institutions as well.
Guest
04:17
And I think that's probably a fair way to summarize it. But, you know, the other side of that, I guess I would say, is hopeful. I think that we all understand that that's the direction that we want to take, and we all just need to keep being persistent and push. And we'll eventually get to a point where we're together.
Guest
04:37
Ever-changing. One word, if I hyphenate it. Yeah, yeah. Yes, I would just say ever-changing. It's just constantly evolving, and it's kind of fun trying to keep up with these different trends, these different tactics that these fraudsters are using. Yeah. For me, it's like fraud fighting is the ultimate job for those with ADHD because we never know what we're walking into.
Guest
04:57
So it's always a challenge, and it's always fun. Keeps us on our toes. Always exciting. Always exciting.
Guest
04:57
Complex would probably be the easiest and safest way to explain it. Yeah. You know, a fraudster can use 50 different models, or 50 different fraudsters can use 50 different AI models, and you have to defend against all of them. Yeah. And that's just one form of fraud that we have to combat.
Guest
05:19
So figuring out how to combat all the different types of fraud through every type of channel, it's just very complex and costly.
Hailey Windham
05:19
Then you get complex, fractured, ever-changing. This is where fraud stops being a single problem and starts becoming a system. Different channels, different tactics, different gaps across the organizations. And no one owns it all.
Guest
05:42
Chaos. Yeah, I think simply chaos. But at the same time, it's like the ever-evolving world of how do we keep up?
Hailey Windham
05:42
Right, right.
Guest
05:42
And my second choice would have been like accelerating.
Hailey Windham
05:42
Oh yeah. Absolutely. Accelerating. Yeah. Absolutely.
Guest
05:42
Scary.
Hailey Windham
05:42
I would like you to expand on that just a little bit because I agree, but I'd like to know in your world why is it scary?
Guest
06:12
I mean, there are a lot of jobs that you go to every day and you know what to expect, and you can build your day off of routine and expectation. This isn't one of those jobs, right? You get comfortable, and things change. And so what makes it scary is not knowing where it's going to change, when it's going to change.
Guest
06:30
And so much of our job is reactive, and you don't know the scale that you're reacting to, the thing that you're reacting to. You're just hoping you can limit it. So hopefully, one day we turn from this reactive approach to a more proactive approach and limiting. And I think things like Fraud Fight Club help us do just that.
Guest
06:48
Insane.
Hailey Windham
06:48
I concur. And then there are words that hit differently. Chaos. Scary. Insane. That's not technical language. That is what it feels like to sit in these roles right now, to know you're reacting more than you want to, to know that the rules just keep changing, to know the stakes are personal for people on the other side.
Hailey Windham
07:13
What's up, fraud fighters? Quick pause real quick because I want to bring you into a conversation that I've been having with a lot of credit unions lately, and it all starts the same way. They're doing the work. They're fighting fraud every single day. But when leadership asks, how do we compare? That's where things get kind of quiet, right? Not because they don't know fraud, but because they don't have the data to prove it, right.
Hailey Windham
07:33
And that's the gap. We don't need more opinions in this industry. Trust me, there's enough. But what we need is real benchmarks from real institutions. And that's exactly why I launched the FI Fraud benchmarking survey, built specifically for community banks and credit unions. This isn't vendor-driven. This isn't sales disguised as a report. This is by fraud fighters.
Hailey Windham
07:53
For fraud fighters, it's about giving you something you can actually take back to your executives and say, here's where we stand, and here's where we're behind, and here's what we need to do to fix it. Because reporting tells your story, but benchmarking tells if it's a good story. And I'm not the only one who sees the impact that this could have.
Hailey Windham
08:13
I asked Jen Lamont what this kind of data could mean for teams like yours. And here's what she said.
Jen Lamont
08:13
I think something for us to really fully tell this story to our executives about the resources that we need and why, not only how we're doing currently, but are we comparing ourselves in a positive manner to other institutions our size? So I think it's going to be really, really powerful to help us tell our story.
Hailey Windham
08:32
That's it right there. This isn't just about data. It's about having a voice at the table. If you're ready to be a part of it, check out the link in the show notes. Let's build something that this industry can actually use.
Hailey Windham
08:49
Different words, same pressure. And if you step back, this isn't just a fraud problem anymore. It's an operating environment.
Guest
08:49
Unimaginable. Yeah. And the reason I say that is that AI, a year ago they started to talk about it, and then now I can't imagine my life without it because it is helping us develop the fraud industry. Not saying that it is making it so much easier to catch the fraud.
Guest
09:12
Unfortunately, it's job security. I was joking with my wife and saying, you know, funerals and fraud, those two things are never going away, unfortunately.
Hailey Windham
09:12
So here's what I want you to take away from this. Fraud looks different depending on where you sit, but the theme is consistent. It's moving faster than we're comfortable with. And that's exactly why what happens next matters.
Hailey Windham
09:30
Because in the next episode, 99.2, we're shifting from what fraud feels like to what fraud teams are actually doing about it.
Guest
09:30
Nuts. I think it's like pretty crazy. I've never seen so much happening at once with AI. Yeah, with what's happening in Southeast Asia that's mushrooming, with things that are happening in scams, all the stuff on social media for first-party fraud.
Guest
09:59
There's so much happening at once that it's almost like a tidal wave of fraud is hitting everybody. And it's getting that much more difficult.
Hailey Windham
09:59
Yeah, yeah, for sure. Okay, guys, you know what's coming. Stay vigilant, stay informed, and keep moving fraud forward.
Hailey Windham
10:21
Thanks for listening to Fraud Forward. Remember, every conversation, every connection, and every insight moves our industry one step closer to stronger fraud defenses. If today's episode sparked an idea, share it with your team or tag me on LinkedIn. I love hearing how you're moving fraud forward in your own organization. Until next time, stay curious, stay resilient, and keep moving fraud forward.
View full transcript
