Agentic Commerce: The Fraud Hotbed No One’s Ready For (with Chen Zamir)

Описание: Agentic commerce is about to become operational reality, and fraud teams are not ready.

In this episode of Fraud Forward, Hailey Windham sits down with Chen Zamir (Head of Fraud Strategy at Sardine, Founder of Native Risk) to break down why agentic commerce will be a fraud hotbed, not because it’s “new,” but because it amplifies the problems we already fight every day.
They unpack what agentic commerce actually is (API/MCP flows vs. in-browser agents), why new “secure protocols” won’t save the ecosystem, and the OTP timing problem that turns strong authentication into a conversion and fraud risk when agents transact while customers are asleep, offline, or unavailable.

They also get into the messy reality fraud teams will inherit: scams optimized for AI agents, ATO against AI-provider accounts, first-party fraud dressed up as “my agent made a mistake,” and broken monitoring when you can’t reliably identify agentic transactions in the first place.

Topics covered:
• What “agentic commerce” means in real payment flows
• The first fraud typologies likely to spike: ATO, scams, and first-party fraud
• Why “secure agent protocols” don’t fix the core threats
• The OTP timing trap, and why step-up breaks when no human is present
• Proof of intent, accountability, and disputes in an agent-driven world
• Why teams need to identify and manage agentic flows as a distinct channel

🎙 Guest lineup:
Chen Zamir
Head of Fraud Strategy - Sardine; Founder of NativeRisk
Hailey Windham
Host of Fraud Forward & Community Banking Lead - Sardine

👉 Subscribe for more real-world fraud insights from the people closest to the risk.