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Welcome to "Fraud Frontlines," a special series within the DataTalk™ podcast, hosted by Kathleen Peters, exploring the latest trends in identity and fraud prevention. AI is giving cybercriminals a powerful new tool: the ability to create convincing digital doppelgängers. In this episode of "Fraud Frontlines," Kathleen Peters, Chief Innovation Officer for Experian Identity and Fraud, joins Michael Bruemmer, Vice President of Global Data Breach Resolution at Experian, to explore how this emerging threat fits into a rapidly evolving cyber landscape. Drawing on findings from Experian's 14th annual Data Breach Industry Forecast: Consumers at Risk, they examine how AI is accelerating cyber threats, challenging consumer trust and reshaping the future of digital identity. Drawing on 25 years of experience in cybersecurity, Michael explains how AI is acting as a "turbocharger" for cybercrime, enabling criminals to enrich stolen data and operate at unprecedented scale. The conversation also explores the rise of "digital doppelgängers": synthetic replicas built from years of breached data, publicly available information and behavioral signals. As consumers face an increasingly persistent threat landscape, they're also experiencing "breach fatigue." Some are responding by creating alternative or masked identities to protect their personal information, creating new challenges for businesses trying to distinguish legitimate consumers from fraudsters. Looking ahead to 2027, Kathleen and Michael discuss the need to modernize data breach notification laws and rethink identity verification. They explore how technologies such as passkeys, liveness detection and behavioral analytics can help organizations establish human authenticity, and why consumer trust is becoming an increasingly important strategic asset for businesses. Tune in to learn how organizations can navigate AI-driven cyber threats, strengthen identity protection, and help build a more secure digital ecosystem. Michael Bruemmer is Vice President and Head of Experian® Global Data Breach Resolution and Consumer Protection at Experian. The Data Breach Resolution group is a leader in helping businesses prepare for a data breach and mitigate consumer risk following breach incidents.  With more than 25 years in the industry, Michael brings a wealth of knowledge related to data breach preparedness and breach management from discovery to post-incident clean up.  He has handled some of the nation's largest breaches over his tenure with Experian and more than 60,000 to date including incidents that span globally. Michael has educated businesses of all sizes and sectors through pre-breach and breach response planning and delivery, including notification processes to affected consumers, call center set up and identity theft protection services. He is a respected speaker and presents to industry organizations across the country on the topic of data breaches and provides insight to many trade and business media outlets including Dark Reading, IT Business, CIO, Info Security, Security Week, Health IT Security, Wall Street Journal, American Banker and others. He has been a guest columnist for SecurityInfoWatch and has appeared on broadcast channels such as Fox Business. Michael holds a Bachelor of Arts in Labor Economics from the University of Wisconsin-Madison.

Welcome to "Fraud Frontlines," a special series within the DataTalk™ podcast, hosted by Kathleen Peters, exploring the latest trends in identity and fraud prevention. In this episode, Kathleen Peters, Chief Innovation Officer for Experian Identity and Fraud, is joined by Diarmuid Thoma, VP of Fraud & Data Strategy at AtData, a part of Experian. Together, they explore Experian's acquisition of AtData and how real-time email intelligence is enhancing identity and fraud capabilities, a crucial digital identity signal in the AI era. Diarmuid shares his extensive experience in fraud prevention and the evolution of AtData, emphasizing the unique role of email as a persistent digital anchor. He explains how email intelligence provides critical insights, helping to distinguish legitimate users from fraudulent ones, and reducing friction for trusted interactions. The conversation also highlights the transformative potential of integrating email intelligence with other signals, such as behavioral analytics and device data. Looking ahead, Kathleen and Diarmuid express excitement about the future of email intelligence and its role in agentic commerce. They emphasize the importance of trusted identity markers and real-time signals in combating sophisticated, AI-driven fraud. As the industry evolves, collaboration and innovation are essential to building a secure, trustworthy ecosystem for digital transactions. Join us for this engaging conversation to learn about how Experian and AtData are helping shape the future of identity and fraud prevention. Diarmuid Thoma is VP of Fraud & Data Strategy at AtData, where he leads the development of enterprise fraud models and the productization of email-based intelligence to reduce risk and preserve revenue. Over a career spanning more than two decades, he has designed fraud prevention programs for major technology and security firms, including Facebook, Symantec, Hewlett-Packard and TransUnion. His in-depth knowledge of the global fraud prevention market and its context within regional compliance has accelerated AtData's solutions. He is a regular industry speaker on topics including email intelligence, the application of digital trust signals, and balancing fraud controls with customer experience.

Welcome to "Fraud Frontlines," a special series within the DataTalk™ podcast, hosted by Kathleen Peters, exploring the latest trends in identity and fraud prevention. In this episode, Kathleen Peters, Chief Innovation Officer, Identity and Fraud at Experian, is joined by Farooq Sheikh, Vice President, Global Industries and Solutions, at Cloudflare. They delve into the transformative impact of AI on commerce and the critical role of trust and identity verification in this evolving landscape. Farooq shares insights into Cloudflare's mission to protect the internet and AI agents, highlighting the importance of the Experian Agent Trust framework. Experian Agent Trust is a first-of-its-kind framework that establishes a secure, verifiable link between consumers and AI agents, bringing identity and accountability to AI-driven transactions. The discussion explores the shift from traditional commerce to agentic commerce, emphasizing the need for a robust trust framework as AI agents increasingly participate in transactions. Kathleen and Farooq discuss the importance of Human-to-Agent Binding, which ensures continuity and accountability and the role of real-time threat intelligence in distinguishing trustworthy interactions from malicious ones. Looking ahead, Kathleen and Farooq express excitement about the potential for AI agents to reshape commerce, while acknowledging the challenges that lie ahead. They emphasize the importance of collaboration and innovation in building a secure, trustworthy ecosystem for AI-driven transactions. Farooq Sheikh leads Global Industries and Solutions at Cloudflare. Farooq regularly advises the C-suite and Boards of Fortune 2000 companies on AI, security, and transformation topics. Farooq leads Cloudflare's efforts to build and scale industries with focus on how we engage marquee customers, how we drive thought leadership, and how we work with our customers and partners across C-suite and boardrooms.

Welcome to "Fraud Frontlines," a special limited series within the DataTalk™ podcast, hosted by Kathleen Peters and dedicated to exploring the latest trends and strategies in fraud prevention. This episode features Filip Verley, Chief Innovation Officer at Liminal, who brings a wealth of experience from his roles at Google and Airbnb, as well as a background in criminology. Kathleen and Filip delve into the evolution of fraud, particularly how innovation and generative AI have transformed the landscape. Filip emphasizes the critical role of identity verification as a foundation of trust, especially on platforms like Airbnb, where trust is paramount. They also explore the concept of age assurance in the digital age, highlighting the importance of privacy-preserving solutions to protect users while complying with regulatory requirements. Filip shares insights from his current role at Liminal, where he focuses on regulatory compliance, trust and safety, risk management, and cybersecurity. He underscores the importance of a holistic approach to fraud prevention, advocating for convergence across fraud and identity teams to effectively combat sophisticated fraud tactics. Filip is the Chief Innovation Officer at Liminal, where he leads new initiatives to help organizations address challenges in identity verification and risk management. With a background in Criminology, he brings a unique perspective to the connection between technology, identity, and security. He began his career in Risk & Fraud before moving into Product Management, working at companies like Google and Airbnb. At Google, he helped launch the Age Assurance program, reaching billions of users around the world. At Airbnb, he led the rollout of identity checks for all guests and hosts in the US, improving trust and safety across the platform. Filip's experience in age verification and identity solutions has helped bridge the gap between the physical and digital worlds. He holds Bachelor's and Master's degrees in Criminology from Florida Atlantic University and Florida State University. Originally from Belgium, Filip now lives in the US with his growing family. He enjoys action movies and sports in his free time.

Welcome to "Fraud Frontlines," a special limited series within the DataTalk™ podcast, hosted by Kathleen Peters and dedicated to exploring the latest trends and strategies in fraud prevention. In this episode, Kathleen Peters, Chief Innovation Officer of Experian Identity and Fraud, sits down with Dr. Nicola Harding, a criminologist, and founder of The Financial Crime Lab. Dr. Harding shares her unique insights into the human behaviors behind fraud, emphasizing the importance of understanding the lived experiences of both victims and perpetrators. Dr. Harding discusses her journey into criminology, driven by a curiosity about why people make these choices. She highlights the need to ask "how" fraudsters operate to better prevent financial crime. Her approach combines human insight with technology, advocating for a balance that leverages both to combat fraud effectively. The conversation also delves into the power of storytelling in fraud prevention, the role of restorative justice, and the mission of The Financial Crime Lab to turn research into actionable insights. Dr. Harding emphasizes designing fraud prevention strategies for moments of vulnerability, not just ideal scenarios. Dr. Nicola Harding is a criminologist specializing in financial crime and fraud prevention. Her work focuses on understanding the human behaviors behind scams and designing systems that reduce harm, not just loss. Nicola was CEO of We Fight Fraud, working with banks, law enforcement and regulators at the frontline of fraud prevention. She is now the founder of The Financial Crime Lab, a not-for-profit that brings together research, lived experience and industry insight to turn evidence into action. Her mission is simple: to reduce the harm caused by financial crime, especially for those most vulnerable to exploitation.

Welcome to "Fraud Frontlines," a special limited series within the DataTalk™ podcast, hosted by Kathleen Peters and dedicated to exploring the latest trends and strategies in fraud prevention. In this episode, Kathleen Peters is joined by Bhawna Singh, Chief Technology Officer, Customer Identity at Okta, to discuss the transformative impact of agentic AI on identity, security, and fraud landscapes. Bhawna shares her insights on how agentic AI, with its autonomous decision-making capabilities, is reshaping identity verification and fraud prevention. She emphasizes the need for robust identity controls and the challenges of managing AI agents, highlighting the importance of discoverability and lifecycle management to prevent rogue activities. The conversation also touches on the changing nature of fraud and security attacks, where traditional measures must adapt to new dynamics. Bhawna Singh is a senior technology executive with 25+ years of experience in successfully transforming products and scaling technology for a global user base. In her career as an executive leader, board member, and investor, Bhawna has worked across multiple high-growth companies to grow & scale platforms from 0 to 100+ million monthly users, led global expansion of products, navigated through complex acquisitions and spearheaded innovation to drive user growth and engagement, delivering multi million dollar revenue growth.  Currently as CTO at Okta, Bhawna leads tech strategy and vision for its Customer Identity product serving billions of logins per month. Before Okta, Bhawna was the CTO at Glassdoor, a worldwide leader on insights about jobs and companies built on the foundation of increasing workplace transparency. Prior to Glassdoor, Bhawna held positions at Ask.com (an IAC company), Sybase (now SAP), and AT&T along with several consulting roles. Bhawna sits on the Advisory board of early stage startups and VC groups. Bhawna's deep expertise in the area of high-growth, enterprise SaaS, AI & cybersecurity is frequently published in the press and podcasts. Kathleen Peters leads innovation and strategy for Experian's Fraud and Identity business in North America, continuously exploring new ways to solve market challenges in identity, risk, and fraud detection. She and her team define business strategies and investment priorities while incubating new products, analyzing industry trends and leveraging the latest technologies to bring ideas to life. Kathleen joined Experian in 2013 to lead business development and global product management for Experian's newest fraud products. She later served as the Head of the North America Fraud & Identity business, until being named Chief Innovation Officer for Decision Analytics in 2020. Kathleen has twice been named a "Top 100 Influencer in Identity" by One World Identity (now Liminal), an exclusive list that annually recognizes influencers and leaders from across the globe, showcasing a who's who of people to know in the identity space. For nearly two decades, she has lived in the heart of Silicon Valley in California, working for a variety of companies including early-stage technology startups. Living in this epicenter of fast-paced innovation, leading-edge technology and disruption influences Kathleen's own approach to strategy and business thinking at Experian. Kathleen is regularly quoted in prominent media outlets. A sought-after speaker and thought leader, Kathleen frequently shares her insights on innovation, AI and fraud prevention at industry conferences and events.

Welcome to the inaugural episode of "Fraud Frontlines," a special limited series within the DataTalk™ podcast, dedicated to exploring the latest trends and strategies in fraud prevention. In this first episode, our host Kathleen Peters, Experian's Chief Innovation Officer of Fraud and Identity, sits down with Nash Ali, Experian's VP of Fraud Strategy, to discuss how fintech innovation has reshaped the fraud landscape and what that means for the future. As financial technology continues to revolutionize how people transact online, it's also changing how fraudsters operate. The rise of GenAI and automated scams has introduced a new level of sophistication that demands equally advanced defenses. Nash Ali is VP of Strategy at Experian Fraud, Innovation and Commercialization (FIC) and NeuroID, an Experian company. With over 20 years in risk management, payments, fraud prevention and strategy, Nash has previously held pivotal roles as Global Head of Risk and Payments at MoneyGram International, as well as leadership roles in risk management at Western Union, Bank of America, and eBay. He has managed product, risk and data science teams at Prove, Socure and CashEdge (Fiserv). He earned an MBA from UC Berkeley and a BS in Electrical & Electronics Engineering from the University of Louisville. Nash is known for his strategic insights, industry relationships, and an innovative approach to identity and risk management. At Experian, he focuses on advocacy for digital identity, as well as advising clients on new technologies to reduce fraud, combat malicious Agentic AI and bots, and improve operational processes and customer experience.  Kathleen Peters leads innovation and strategy for Experian's Fraud and Identity business in North America, continuously exploring new ways to solve market challenges in identity, risk, and fraud detection. She and her team define business strategies and investment priorities while incubating new products, analyzing industry trends and leveraging the latest technologies to bring ideas to life. Kathleen joined Experian in 2013 to lead business development and global product management for Experian's newest fraud products. She later served as the Head of the North America Fraud & Identity business, until being named Chief Innovation Officer for Decision Analytics in 2020. Kathleen has twice been named a "Top 100 Influencer in Identity" by One World Identity (now Liminal), an exclusive list that annually recognizes influencers and leaders from across the globe, showcasing a who's who of people to know in the identity space. For nearly two decades, she has lived in the heart of Silicon Valley in California, working for a variety of companies including early-stage technology startups. Living in this epicenter of fast-paced innovation, leading-edge technology and disruption influences Kathleen's own approach to strategy and business thinking at Experian. Kathleen is regularly quoted in prominent media outlets. A sought-after speaker and thought leader, Kathleen frequently shares her insights on innovation, AI and fraud prevention at industry conferences and events.

In this #DataTalk episode, we welcome Ashley Knight, Senior Vice President of Product at Experian, as she talks to us about Experian's commitment to leveraging cashflow insights to drive financial inclusion and our new collaboration with Plaid, a leading financial data network used by 1 in 2 U.S. bank account holders. Ashley, who leads the product management team for Experian's Financial Services and Data business, shares insights on how this collaboration is enhancing financial inclusion and creating more opportunities for consumers and clients. Tune in to hear more from Ashley on the power of consumer permissioned cashflow information and how we are transforming the credit ecosystem. Ashley Knight is Senior Vice President of Product and leads the product management team for Experian's Financial Services and Data business with a focus on alternative data, scores, and open banking. She fosters innovation and drives financial inclusion by using new data and Experian's deep expertise in credit.

In this #DataTalk episode, Keith Little, MD Analytics, Decisioning and Platforms at Experian Software Solutions, unveils the game-changing enhancements to Experian's Ascend Technology Platform™. Keith discusses how client feedback has shaped a solution that streamlines operations, automates processes, and strengthens fraud detection in today's fast-paced business landscape. Join us to discover how Ascend empowers businesses with seamless integration, personalized experiences, and top-notch security measures, setting a new standard for success. Keith Little is a seasoned technology executive with a global purview, currently spearheading Experian's Ascend Technology Platform and Decisioning suite (Powercurve) software products. He began his tenure at Experian in November 2022 with the role of Chief Technology Officer for Global Decision Analytics (GDA) and subsequently expanding his responsibilities to encompass the Decisioning products during the transition to Experian Software Solutions (ESS). Before joining Experian, Keith held various high-profile positions, including Chief Information Officer at Barclays, where he oversaw the Barclaycard credit business, Payments businesses, and Fraud technologies. Prior to that, he was involved in a startup leveraging artificial intelligence for online behavioral advertising. Keith's illustrious career also includes roles at BT, the BBC, and as a founder and non-executive director of www.worldgallery.co.uk. He holds a Bachelor's degree in Computer Science and a Postgraduate degree in Image and Video Compression from Kingston University. Additionally, he spent nine years as a non-executive director at Kings College London, demonstrating his commitment to both academia and industry advancement.

In this episode of #DataTalk, we welcome back Kathleen Peters, Chief Innovation Officer at Experian Decision Analytics, as we dive into Experian's annual Future of Fraud forecast. Kathleen gives us an in-depth look into the 2024 forecast, highlighting the role of generative AI in today's fraud landscape. She also walks us through the most prevalent types of fraud attacks and shares invaluable advice on how consumers and businesses can protect themselves against fraudsters. Kathleen is Chief Innovation Officer for Experian's Decision Analytics business in North America. Kathleen and her team are continuously looking for new ways to solve customer challenges, by defining product strategies, new paths to market and investment priorities for Experian's decisioning, analytics and identity capabilities. Having lived and worked in Silicon Valley for nearly two decades amidst fast-paced innovation, leading-edge technology breakthroughs and business model disruption has influenced Kathleen's approach to strategy and business thinking at Experian. The last two years, Kathleen has been named a "Top 100 Influencer in Identity" by One World Identity (OWI), an exclusive list that annually recognizes influencers and leaders from across the globe, showcasing a who's who of people to know in the identity space.

In this #DataTalk episode, we chat with Rachel Keane, founder and Chief Data Inspirer of the Data Inspiration Group based in the U.K., about inspiring young students to pursue careers in data. Rachel has worked in data recruitment for the past 12 years, and during that time she has gained first-hand experience with the challenges faced by the data industry in building diverse and inclusive teams. Motivated by these experiences, Rachel founded The Data Inspiration Group to promote different career opportunities offered by the data industry, and she started the Digdata program to inspire young people to consider careers in data.

In this #DataTalk episode, we'll hear from three Asian-American Experian leaders: Debbie Chamkasem, Vice President of Global Technology Programs, John Ken, Vice President of Customer Relationship Management, and Jimmy Cheung, Senior Vice President of Technology and Engineering. These leaders spoke at a panel to provide advice for those who are considering a career in tech. Together, Debbie, John, and Jimmy engage with their audience by answering questions about their views on Experian, as well as career advice, highlighting their talents and recipes to success.

In this #DataTalk episode, we chat with Lloyd Pitchford, Global Chief Financial Officer at Experian, about hybrid workplaces, employee mental health, sustainability, financial inclusion, and ways Experian is using data to improve our world.  Lloyd Pitchford is the Global Chief Financial Officer at Experian, which operates in 44 countries and has 17,800 employees. Lloyd leads Experian's global finance operation and serves as the executive sponsor of Experian's ESG program, which looks at how our organization can improve its performance across a wide range of environmental, social, and governance matters. This includes the work Experian does to support financial inclusion, financial accessibility, delivering on the company's carbon-neutral commitments, and creating a more diverse and inclusive organization.

In this week's #DataTalk, Genevieve Juillard, President of Experian Marketing Services, chats with us about the future of third-party cookies and how digital identity is used in advertising. Genevieve has held leadership roles across several global markets, and she currently leads Experian Data Quality which provides software and related services to improve enterprise data quality and management. Genevieve walks us through some of the future trends and challenges that advertisers and marketers will face with the impending elimination of third-party cookies, as well as her future vision for Experian Marketing Services since its recent acquisition of TapAd. Genevieve Juillard is the President of Experian Marketing Services, which now includes the recent acquisition of Tapad. Together, these businesses deliver data, technology, and analytical insights to support customer engagement across the lifecycle and help enable advanced advertising strategies while fostering innovation in a privacy-forward way. She also leads Experian Data Quality which provides software and related services to improve enterprise data quality and management. Since joining Experian in 2006, Genevieve has held leadership roles across several global markets, leading joint ventures, overseeing the strategic development of new data assets, heading business expansion, and driving innovation to leverage Experian's proprietary data assets, analytics and software capabilities.

In this week's #DataTalk, we chat with Harpreet Sahota, Lead Data Scientist at Price Industries based in Winnipeg, Canada. He is also the host and creator of The Artists of Data Science podcast, the only self-development podcast for data scientists. During this episode, Harpreet talks about his morning routine, the positive impact of journaling and meditation, and how he prepares for data science guests that come on his podcast. He also teaches us about how he manages time between his day and nighttime endeavors, having time for himself, and taking care of a family.  Host of The Artists of Data Science podcast, Harpreet is a thought leader in the Data Science space with over a decade of education and in the field. With his strong business acumen, statistical background, modeling capabilities, data engineering, and machine learning engineering know-how, he feels right at home both working with engineering teams to deploy models to production and distilling complex data science concepts for business stakeholders. By day, Harpreet works with leadership to define and execute strategies that demonstrate the value of the data at Price Industries while maintaining a rigorous set of principles. By night, he mentors nearly 2,000 up-and-coming data scientists by providing thoughtful mentorship and technical guidance. He is always looking to connect with driven, focused, and experienced data professionals and leaders from around the globe.