Current analysis on payment security, fraud prevention, AML/KYC, and PCI DSS compliance.
Incident Response and SkimmingChick-fil-A recently disclosed a credential stuffing attack that compromised customer accounts in their loyalty program. This breach exposed names, email addresses, membership numbers, mobile pay numb
Authentication MethodsYour authentication stack is vulnerable through a channel you might not have considered. Device code phishing exploits the OAuth 2.0 Device Authorization Grant, a flow designed for smart TVs and IoT d
Payment EcosystemProgrammatic payments are transitioning from a novelty to a core part of financial infrastructure. With this shift, many teams mistakenly believe their current controls will scale effectively. They wo
aml-kycYou ve built a robust transaction monitoring system. Your team generates alerts. Your analysts investigate. Then a relationship manager walks the client s transactions past your desk with a note: This
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regulations-standardsThese questions started appearing in compliance Slack channels the week FATF opened its public consultation on June 24 for revised Recommendation 16 guidance. The Travel Rule has been a persistent hea
aml-kycThe Challenge JPMorganChase, Deutsche Bank, and Bank of America failed to file timely Suspicious Activity Reports (SARs) for over $170 million in payments from billionaire Leon Black to Jeffrey Epstei
aml-kycThe Office of the Comptroller of the Currency (OCC) rejected Wise s application for a U.S. national trust bank charter due to deficiencies in its Anti-Money Laundering and Countering the Financing of
cryptography-key-managementThe Question at Hand Your encryption keys work today. Your TLS certificates validate. Your Hardware Security Modules (HSMs) meet FIPS 140-3 requirements. So why would you invest time and budget in pos
Payment EcosystemWhat Happened The Bank for International Settlements processed $1 million in tokenized cross-border payments through Project Agorá, settling 30 transactions in about 80 seconds across six currencies.
Payment EcosystemThe Conventional Wisdom You ve probably heard the pitch: tokenization will revolutionize cross-border payments, cut settlement times to seconds, and solve transparency issues in correspondent banking.
cryptography-key-managementYour encryption is already obsolete, you just don t know which systems are vulnerable yet. Quantum computing isn t a distant problem. Adversaries are harvesting encrypted data today, storing it, and w
Fraud TypologiesYour payments operation doesn t get a dress rehearsal when a mega event drops millions of transactions into your system. The FIFA World Cup just demonstrated that reality, as chargebacks surged in the
aml-kycPurpose of This Checklist If your payment company frequently sends funds into emerging markets through correspondent banking chains, you re likely dealing with multiple intermediaries, unpredictable s
Fraud Detection AnalyticsEvery fraud team knows this moment: the behavioral model flags a transaction, the screen lights up, and someone on the front line has maybe 90 seconds to decide what happens next. That decision gap is
Fraud Detection AnalyticsThe Challenge Authorized push payment fraud exposes a critical gap in verification processes. You ve implemented multi-factor authentication , device fingerprinting , and behavioral biometrics in your
incident-responseWhen your bank says core systems were unaffected, they re addressing a question you didn t ask. Your transaction engine might be fine, but your identity documents could be circulating on the dark web.
