#79 Fraud intelligence - Unlocking Collective Defense Against Modern Fraud (with Ravi Loganatha

Описание: What is up fraud fighters, and welcome to Fraud Forward!

Today we’re talking about something that is becoming absolutely essential for fraud prevention teams.

Fraud intelligence.

Because fraud no longer happens inside a single institution.
Fraudsters move across fintechs, banks, payment rails, and digital ecosystems incredibly quickly. They test controls at one institution, pivot to another, and exploit the gaps in between.

And the reality is this.
If every institution is relying only on its own transaction data, we are always going to be one step behind.

That’s why collective fraud intelligence is becoming such an important capability across the industry.

In this episode I sat down with Ravi Loganathan, Co-founder and President of Sonar AI and Head of Banking and Policy at Sardine.
Ravi has spent more than two decades working across banking, payments, and consortium networks, and he brings a really unique perspective to how fraud intelligence sharing can strengthen financial crime prevention.
What I really appreciated about this conversation is that we didn’t just talk about theory.
We talked about how fraud intelligence actually works in practice, how institutions can share signals responsibly, and how shared fraud defense can help detect threats before funds move.

What you’ll hear in this episode:

• Why fraud intelligence for banks and credit unions is becoming essential
• How fraud signal sharing can expose recipient risk before a payment is authorized
• The role of consortium based fraud prevention in closing ecosystem gaps
• How fraud intelligence under FinCEN 314(b) enables compliant collaboration
• Why AI driven fraud detection becomes stronger when institutions share intelligence

You should listen to this episode if:

• You lead fraud prevention, BSA, AML, or payments risk programs
• Your institution is facing authorized push payment fraud exposure
• You are evaluating fraud intelligence platforms or consortium participation
• You want stronger cross institution fraud detection
• You are looking for compliant approaches to fraud intelligence sharing

If you liked this episode, be sure to subscribe and review the podcast on iTunes, Spotify, YouTube, or wherever you listen to podcasts.

Timestamps:
0:00 - Intro
3:00 - The Need for Collective Defense
8:34 - Introducing Sonar AI & 314(b)
14:20 - Empowering Community Banks
29:37 - The Future of Fraud Prevention