Sardine | Fraud fighters: Karisse and Hailey Banking on Fraudology

What’s up fraud fighters, and welcome to Fraud Forward!

Alright, let’s get into it. This is the pilot episode of Banking on Fraudology, and I wanted to start this series the right way, with a real conversation about how fraud fighters grow, how fraud prevention becomes operational, and how we stop treating education and collaboration like optional extras.

I’m joined by Karisse Hendrick, a powerhouse voice from the original Fraudology podcast, and someone who played a pivotal role in inspiring this series. We talk about my path from early banking roles into fraud management and prevention, what actually changes outcomes inside financial institutions, and why the fraud prevention community is the strongest force multiplier we have.

Why this episode matters for fraud fighters

Let’s reset the room for a moment. Fraud does not happen in silos, and neither should our solutions.

This pilot episode sets the stage for a series built to give fraud fighters a voice and deliver actionable insights you can use inside your bank or credit union. We cover what it looks like to build fraud prevention programs that work in real life, not just on paper, and why internal engagement and education are non-negotiable if you want teams to escalate early and act with confidence.

What you’ll hear in this episode

How Hailey’s career journey shaped her approach to fraud management and fraud prevention
Why education resources for fraud fighters change outcomes at the frontline
How initiatives like Operation Shamrock support scam awareness and victim protection
What internal engagement programs look like when they actually drive early escalation
Why collaboration across financial institutions is a control, not a feel-good initiative

You should listen to this episode if you

Are a fraud fighter in a bank, credit union, fintech, or payments team and want practical lessons you can use immediately
Want insight into building fraud prevention programs rooted in education and collaboration
Are exploring career growth in fraud prevention and want to hear how operators navigate that path
Believe the fraud prevention community is strongest when we share what works and what breaks

Episode notes & key takeaways

An operator-first series for fraud fighters

I built this pilot to set the tone for Banking on Fraudology as an operator-first space for fraud fighters in banks, credit unions, and fintechs. No theory, no fluff, just real-world fraud prevention you can actually use.

My path into fraud leadership

I walk you through my own career journey, from early banking roles to fraud management, and what I learned the hard way about building credibility. Because fraud leadership is not a title, it is judgment, consistency, and being able to explain your decisions when the pressure is on.

Cross-industry perspective from Karisse Hendrick

I brought in Karisse Hendrick because she sees patterns across ecommerce, issuers, and the original Fraudology community. And let me just assure you, the same fraud behaviors show up across sectors. Shared learning is how we stop repeating the same mistakes in isolation.

Education and internal engagement as frontline controls

I want to double click on this. Education is not a soft initiative. It is a frontline control. When you give teams the language, the red flags, and the confidence to act, internal engagement programs drive earlier escalation and better outcomes. Period.

Operation Shamrock as a prevention force multiplier

Operation Shamrock is personal to me because it proves something important. Prevention gets stronger when we listen to survivor and community insight. It sharpens scam disruption, strengthens victim-centered response, and helps fraud fighters intervene earlier without shame-based messaging.

Breaking silos across financial institutions

Fraud does not happen in silos, and neither should our solutions. A core theme in this episode is breaking down walls across financial institutions, because fraud fighters move faster when intelligence and playbooks are shared.

Build education like infrastructure

If you want stronger fraud prevention, build education like infrastructure. I mean repeatable training and resources that help frontline teams recognize scams, feel confident escalating, and intervene earlier.

Design internal engagement on purpose

Do not leave engagement to chance. Build it on purpose. Create clear escalation paths, normalize “pause and verify,” and reinforce that raising concerns is supported, not punished. That is how you get action before loss.

Share intelligence to improve outcomes

Here is the reality. Fraud prevention outcomes improve when teams share. Cross-institution collaboration reduces blind spots and shortens the learning curve on emerging fraud patterns. We fight better when we fight together.

Grow careers through judgment and communication

If you want to grow in fraud, focus on judgment and communication. Document well, learn patterns, ask better questions, and practice explaining decisions clearly. That is how you earn credibility and build leadership.

Use community-led prevention to disrupt scams

Community-led initiatives work because they are real. Prevention gets stronger when we use real victim narratives and practical guidance, not shame-based messaging. My God, people are manipulated, it is not their fault.

Stay grounded and actionable

And I’m going to keep this mission grounded. No hype, no fear-mongering, just actionable insights fraud fighters can use immediately.