The Online Fraudcast with Brett Johnson & Karisse Hendrick

Episode 30: The Online Fraudcast Closes Jul 28, 2020

All good things come to an end, Brett and Karisse have delivered an amazing show discussing merchant fraud for over two years. Today the show goes dark as both Brett and Karisse pursue new projects which continue the good fight. On this episode we thank our listeners for tuning in and let everyone know where they can find us.

Karisse will soon be launching the Fraudology Podcast which deals mainly with Card Not Present Fraud. It will be available on all major podcast platforms with an estimated arrival the week of August 6. You can also find Karisse Hendrick direct on Linkedin.

Brett will be launching The Unethical Life Podcast and YouTube channel in mid August. No one says they want to grow up to be a bad person. The Unethical Life Podcast examines what leads someone to a morally bankrupt life and how that person may or may not overcome it. The Unethical Life YouTube Channel will address the problems of our world today with short video segments. Brett Johnson can be contacted at gollum@anglerphish.com or direct on Linkedin.

Karisse and Brett wish to thank all of the listeners and promise to continue providing engaging, entertaining, and educational content on their respective channels and will continue fighting to make the world a better place.

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Episode 29: A Fraudcast Poo-Pourri of Police, Politics, Polo, and Protests...and eBay Jun 20, 2020

A New Brett Johnson Solo Fraudcast! Today's episode starts with a politically packed FakeNews Report discussing Defunding the Police (Hint: I'm Against It), and how groups gathering are portrayed differently by the media.

From there we, that's the Royal "We", meaning ME discuss the recent news of several former eBay higher-ups, including the former CEO, of terrorizing innocent people.

I then interview Polo G, an owner of a refund fraud channel on Telegram. Much like my previous interview with a criminal, this one didn't want his voice recorded, so....

Finally, we end the show with a serious edition of The Unethical Life commenting about the ongoing events in Seattle.

Thank you for listening to the Online Fraudcast!

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Episode 28: Ask Karisse Anything Jun 15, 2020

Because the eCommerce fraud prevention industry is quickly emerging, with most information not publicly available, merchants often reach out to Karisse with questions, when they don't know who else to ask. On today's episode, she answers a few recent questions including:

How do you think a risk team should measure success?

What abuse are you seeing with 3DS 2.x, i.e. the versions that comply with SCA in Europe?

What fraud methods should our company consider when we launch BOPIS (Buy Online Pickup In-Store)?

What's the best way to calculate chargeback metrics & KPIs?

If you have a question you'd like to ask Karisse for the next episode of AKA, send it to: info@chargelyticsconsulting.com . As always, names & company names will be kept confidential.

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Episode 27: Trust and Safety Jun 10, 2020

Trust and Safety Teams. A simple idea, but not so simple in practice. Brett and Karisse discuss the idea of Trust and Safety Teams before talking about how platforms like Twitter and Facebook handle Trust and Safety when faced with a highly divisive political environment.

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Episode 26: Fraud with Friends: Jacqueline Hart at Patreon Jun 08, 2020

Jacqueline Hart has been fighting online fraud for almost 20 years. From the very early years of PayPal, to Payment Service Processors like TSYS and Ingenico, to going over to the merchant side of fraud at Paddy Power BetFair in the UK to now, overseeing Trust & Safety at Patreon, a popular digital platform allowing online creators to accept payments from their fans, or patrons.

This diverse experience lends itself to her holistic view of payments and fraud, as well as adopting a more "Trust & Safety approach", where payment fraud is only one of her team's many concerns and responsibilities.

In this episode, you'll learn about some of her most memorable experiences, the philosophy that has lead Patreon to rise quickly, despite the "risky" nature of some user behavior and the best career advice she's been given

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Episode 25: Cybercrime's Future: A Telegram One-Act Play Jun 05, 2020

What does the Future of Cybercrime Look Like? Find out in this solo Brett Johnson episode. Brett interviews a well-respected cybercriminal who owns several Telegram Channels. But there is a catch. The guy refuses to have his voice heard and will only communicate by text. For our listeners and because Brett Johnson is THAT guy? Brett plays the part of the criminal in what promises to be one of the most interesting, educational, entertaining, and enlightening podcast interviews of the year.

Also featuring a new Fake News Report Segment. The Unethical Life Segment will Return with the next solo episode.

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Episode 24: To 3D Secure or Not? For Merchants That is the Question Jun 03, 2020

3D Secure is a payer authentication, a security protocol that helps to prevent fraud in online credit and debit card transactions. Credit card thieves worry about it. Many merchants haven't adopted it. Brett and Karisse discuss what it is and what it means in the fight to protect against credit card fraud that merchants face every day.

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Episode 23: Merchant Advice to Combat Refund Fraud Jun 01, 2020

Karisse follows up on our recent podcast about Refund Fraud with a solo episode.giving advice to the merchants being victimized. Want to know what your company can do to stop one of the fasted growing forms of fraud? Listen to this episode and find out!

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Episode 22: Why Cybercrime Succeeds - A Look at Dell and the Paycheck Protection Program May 29, 2020

It isn't always the skill of the criminal which determines if an online crime is successful. A lot of the time it is the decided lack of skill of the target. In this episode Brett discusses the ease of defrauding the US Government's Stimulus program. Another example he cites is Dell which has been open to the same fraud technique for nearly two decades.

But that's not all. Brett visits the AIO Crime Channel on Telegram--One of the best Telegram has to offer and chats with the fellows. The Fake News Segment discusses the links between Brett's Grandfather and President Donald Trump. And we round things out with another great Unethical Life segment which breaks down successful shoplifting as well as alternate uses for leaf blowers.

It's a loaded episode not to be missed!

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Episode 21: Refund Fraud - Connecting Consumers to Organized Crime May 27, 2020

Refund Fraud redefined Organized Cybercrime as we know it. Criminal profit huge amount of money claiming items never arrived. Covid19 leaves millions unemployed and an economy destroyed. How do the two mix? Brett and Karisse tell you all about the crime which is decimating retail everywhere.

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Episode 20: We're not all OK.....and that's OK May 25, 2020

With over 30 million people in the US claiming unemployment, several e-commerce companies announcing vast reductions in sales and massive layoff, and other companies being so busy that their employees can barely take a day off and online fraud increasing at a rapid rate...fraud fighters all over the world are tired and struggling. Uncertainty is like kryptonite to those who focus on being risk-adverse in their career, and generally throughout their lives. Right now, many of us are not OK.

In this episode, Karisse gets personal about her own experience during the international Covid-19 crisis and in earlier times in her career. Sharing her struggles with anxiety, perfectionism, and depression. But, also the resilience and lessons she's learned that have served her well in her career.

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Episode 19: A Criminal's Public Service Announcement May 22, 2020

Recently Brett was asked what would he say were he to put out a Public Service Announcement? Never Act Out of Desperation was the reply. Find out what he means in this episode. Brett also tests a new segment discussing Fake News in the media and politics. And the Unethical Life segment returns by murdering carrots, getting free restaurant food, evading income taxes, and more.

And that ain't all! Turn on, Tune in, or Drop out, but always listen to the Online Fraudcast!

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Episode 18: Unemployment Benefit Fraud May 20, 2020

Brett and Karisse discuss the massive unemployment benefit fraud which is currently hitting several states during the Coronavirus Pandemic. Recently reported by the United States Secret Service, organized cybercriminals domestic and abroad are stealing identities and filing false unemployment claims mainly in Washington State, Florida, Massachusetts, North Carolina, and Rhode Island, but most states are vulnerable. Find out how and how it's happening and what nyou need to do to protect yourself from this scam.

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Episode 17: 2 Months into Covid 19 - State of Affairs for E-Commerce Fraud May 18, 2020

It's been 2 months since the US started stay-at-home orders for its citizens. That means, for those in the US and in e-commerce, it's been about 8 months since normalcy. What happens to booming online businesses when a pandemic and international economic crisis hit all at once?

Karisse has spoken to over 100 online merchants during that time and on this episode, shares what they've shared with her (anonymously, of course). Which types of companies have been hit hardest by low sales & high chargebacks? Which verticals are actually hiring right now due to higher than normal volumes? How have these changes impacted online fraud? What types of trends and attacks are different merchants seeing? In this episode, Karisse will answer these questions and several more.

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Episode 16: Temptation - When Good People Become Desperate May 15, 2020

36 Million Americans out of work. A 40% decline in GDP. People are scared, desperate, A perfect storm for bad choices. Former US Most Wanted Brett Johnson discusses his personal concerns and worries while reflecting on the possible bad decisions of millions of Americans unable to make ends meet. Also debuting is the Unethical Life segment which deals with the hustler lifestyle of criminals online and off.

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Episode 15: The Western Union Judgement - A Cautionary Tale May 14, 2020

Western Union has been ordered to repay victims of scammers $500 Million Dollars. Brett and Karisse discuss the judgement, why it happened, and what it means for businesses and victims as a whole.

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Episode 14: Ripping off Authors in the World of Self Publishing Fraud May 07, 2020

Got a great idea for a novel, memoir, or technical book? Trying to break into the ranks of published authors? You could be a victim waiting to happen. Mark R Morris Jr. of Gotham Ghostwriters visits the Online Fraudcast to discuss the world of self publishing and "Vanity" Presses which often work to take your money and do little else. If you are a writer or want to be a writer you need to listen to this episode.

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Episode 13 Romance Scams Apr 30, 2020

Brett and Karisse discuss Romance Scams, how they work, how to protect against them and the problem of Section 230 of the Communications Decency Act which allows criminals to use platforms to commit scams, steal identities, launder money, sell fake IDs, and more.

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Episode 12: About Fraud with PJ Rohall Apr 22, 2020

PJ Rohall of About Fraud visits the Online Fraudcast to talk...about fraud. I love that line! But seriously, it's a great podcast. PJ and Brett discuss today's fraud problems and how the About-Fraud website looks to give fraud fighters everywhere the proper tools to do their job.

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Episode 11: Coronavirus - Phishing for VIctims Apr 16, 2020

Brett and Karisse discuss various phishing techniques involving Coronavirus to defraud victims.

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Episode 10: Refund Fraud - Friendly Attack? Apr 09, 2020

Refund fraud committed by both organized crime groups and "friendly" consumers is destroying merchants across the globe. The crime is easy, extremely difficult to identify, and profitable for everyone except the businesses being hit by it.

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Episode 9: Criminal Intent. Recovering Fraudster Jay Visits Fraudcast Apr 02, 2020

An AnglerPhish/ Online Fraudcast Crossover! Meet Jay. Former Marijuana Grower, Former Hustler, Profiteer of the Coronavirus, Family Man. Good Guy? Let's say he is trying to do better. Really. Jay's visit to Fraudcast is a insightful discussion of some of the types of fraud many merchants are experiencing. Not to be Missed!

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Episode 8: Coronavirus and the Related Scams Mar 26, 2020

Unemployment estimate of 30%. GDP estimate down 50%. People out of work. People scared. People desperate. In a situation like this fraud will always rise. And in situations like this an otherwise honest person might be tempted to game the system by claiming a chargeback that's wrong. Brett and Karisse discuss the effects of the Coronavirus virus, scams, government checks, and a bit of friendly fraud.

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Episode 7: Collaboration w/ Michael F D Anaya -- Father, Former FBI Agent, Speaker, and Cybersec Expert Mar 19, 2020

The bad guys work together all the time and freely exchange information. Why don't the good guys? Former FBI Supervisory Special Agent, Speaker, Cybersecurity Expert, and Father Michael F D Anaya visits the Online Fraudcast to discuss the need for companies to collaborate in order to increase cybersecurity, fight malicious attackers, and battle online crime.

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Episode 6: SIM Swaps and More with Special UK Guest "David" Mar 12, 2020

Brett debuts a new Online Fraudcast Segment -- The CyberSUCK News Report: All the News Only a CyberCriminal Would Love. Topics include the Che Browser, Uphold's New Bitcoin Debit Card, and a Cashapp Money Laundering Scheme. Special Guest "David" from the UK visits the Fraudcast to discuss SIM Swaps, Phone Ports, and more.

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Episode 5: Gift Card Fraud Mar 05, 2020

Consumers lost over $100 Million to Gift Card Fraud in 2019. Companies wrestle with this fraud damaging brand trust. Criminals love it and use gift card to launder hundreds of millions of dollars. Brett and Karisse discuss the issue.

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Episode 4: Solo Darkweb Musings of Brett Johnson Feb 27, 2020

Brett Johnson hosts the Fraudcast solo this week. Brett opens with his take on some of this weeks cybercrime news stories before taking listeners on a brief tour of the darkweb, showcasing how cybercrooks set up mobile devices to commit fraud.

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Episode 3: Merchant ATO (Account TakeOver) Feb 20, 2020

Brett and Karisse discuss the increasingly growing problem of online criminals taking over customers accounts at the merchant level.

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Episode 2: Reshipper Fraud--Everything Old is New Again Feb 13, 2020

The Consumer, the Financial Institution, and the Merchant. Each siloed off from the next. Brett and Karisse discuss a specific type of reshipper fraud which involves taking advantage of those silos and their lack of cross communicating. A new fraud? Brett seems to remember....

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Episode 1: What Happens When Podcast Partners Disagree. Feb 06, 2020

Season 2 is LIVE, But SEVERAL Months late. Season 2 launches with an explanation of why. Is it proper to name companies who do wrong and misuse the power given them? Brett and Karisse have different opinions on the matter and the fallout of such led to several months delay in launching Season 2. Little Secret? Neither Brett or Karisse have changed their views on the matter. We both apologize profusely for the delay.

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LIVE from CNP Expo 2019! -Social Engineering Calls Jun 05, 2019

There is no better way to end the first season of Online FraudCast than with a live recording in front of hundreds of online fraud professionals! Starting off with "What The Fraud", we hear from two unassuming audience members, some of their favorite "fraud stories". Then, diving right into the topic of the episode, social engineering. Brett brought "show & tell" to the audience...the result of him testing his skills in social engineering prior to the conference. He shares the goals of a social engineer, some of their tactics, and the first thing an experienced criminal will do before placing orders with fraudulent credit cards.

Then, Karisse shares some of the "academics" of preventing social engineering, along with some best practices. All of this information culminates into a demonstration of a call between a fraudster attempting social engineering & a customer service representative. One of the biggest takeaways: Social engineering is not as obvious as we often think it will be!

Online FraudCast will be back with Season 2 in July! Stay subscribed to be alerted when new episodes are out. Follow us on Facebook, or individually on LinkedIn for your "fraud fix" until then!

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Bonus episode: Merchants Are From Mars; Vendors are from Venus May 21, 2019

Over the last year or so, Karisse has noticed a large divide between two groups that *should* be unified in their fight against online fraud and abuse: merchants and solution providers. This divide has led to frustrations, assumptions and burned bridges. Because Karisse has a 10,000 foot view of the industry and works with both merchants and solution providers in her consultancy, she's in a unique position to share the perspective of each side to one another. She also posted a survey on LinkedIn asking merchants & vendors to share their perspectives, stories, and advice to the other side, and received way more responses than she was expecting! She'll share some of the best responses to those questions, in addition to her own observations and insights.

Solution providers will learn more about merchants: how they think, what they care about and how they want to be sold to. And Merchants will learn how to better communicate with vendors and to get the most out of vendor interactions, and learning more about the various solutions in the space. -And both will learn more from each side's perspectives.

This episode is being released prior to one of the main industry events in online fraud and payments: CNP Expo, but the advice and insight that is packed into this hour will help year round.

Subscribe to Online FraudCast to be alerted when the next episode is out! And, if you found the information in this episode helpful, rate & review this podcast wherever you can, and please share it with your friends and on social media!

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Gift Card Phone Scammers Impacting Popular Merchants + Other Current Topics May 16, 2019

Season 1 of the Online FraudCast is nearing an end, and Brett & Karisse talk about changes to the podcast for the upcoming Season 2 (by late June). Brett also shares some of his experience speaking at the CISO academy at Quantico last week, and they both talk about the importance of strategies to prosecute cybercriminals in order to start holding them accountable, something Brett feels passionate about, as going to prison was the catalyst for him changing his ways.

Karisse talks about a gift card scam hitting a lot of multi-channel retailers with private label gift cards. While it's a scam impacting consumers, many merchants are footing the bill for these scams. They also talk about why PR and communications providing education for consumers on protecting themselves against popular fraud tactics on your website or in your stores could not only save your company a lot of money but also create more customer satisfaction.

Don't forget to order your Online FraudCast Merch! www.TeeSpring.com/online-fraudcast-merch

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The Demise of Dark Web Markets + Triangulation Websites Making a Come Back May 09, 2019

Recently, two of the most well known dark web markets have been taken down by law enforcement. What does this mean for the eco-system of cybercrime and the current landscape of fraud prevention if it's gotten harder to go about business as usual for these fraudsters? Or, does it mean they will work around it & come back stronger than ever?

Additionally, a large online retailer recently alerted Karisse to new websites popping up selling products from the legitimate retailer's company at unrealistic prices, hosted by legitimate hosting companies. While triangulation is not new, the approach and sophistication of these new sites are. And in many cases, the legitimate merchant is shipping the stolen products directly to the unassuming consumer of the fraudulent website, and not even knowing it. How can companies know if their products are being bought with stolen cards & re-sold? What can they do to stop them? By using an example of one website that was recently identified as a triangulation website, Brett & Karisse walk you through what is being done, and what can be done about it.

Online FraudCast now has merch!!! Order a t-shirt, hoodie or die-cut sticker of your favorite fraud podcast hosts today!

www.TeeSpring.com/Online-FraudCast-Merch

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The World of Drop Addresses + The Fall of the WannaCry "Hero" May 02, 2019

One of the most asked about topics by online retailers (with physical goods) are around drop addresses. Residential addresses that are used unknowingly by the owner to receive packages, re-shippers, mules, "legitimate" freight forwarders....and now virtual addresses. What are all of these and how do they work? Why do fraudsters choose one over the other and what are they looking for in a place to ship items to? And, with so many different locations for fraudsters to select to receive your company's products, how do you identify when a shipping address looks legitimate but isn't?

But first, Brett talks about the "twitter war" he got in to with the infamous hero of the "WannaCry" ransomware attack and his thoughts on if Marcus Hutchins has truly turned over a "new leaf". -Who better to critique him than a former fraudster, that knows all his tricks?

Online FraudCast will be recording a live episode May 22 in San Francisco at CNP Expo! Use promo code OF20 to receive 20% off an all-access pass! www.cnpexpo.com

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Current Events in Fraud: Fraud Issues for Consumers + Julian Assange Apr 25, 2019

It seems like recently there have been more stories in the headlines about fraud and cybercrime. On top of that, Karisse is wondering if she's bad luck for her friends and family, who have become recent victims of fraud. She shares some of these situations to educate listeners on recent scams against consumers, and Brett gives exceptional advice on what should be done to protect yourself from further fraud, whether you have been the victim of fraud already or not.

Then, Brett talks about Julian Assange. -How, when and why they met recently and provides a former cyber-criminal's perspective on Assange's actions and lack of remorse. The final recent headline discussed is the recent reports that Chipotle's mobile app has been hit with ATOs due to credential stuffing. Karisse gives her thoughts on how to prevent being in the headlines for this fraud tactic that is hitting almost every online & mobile company with virtual accounts, and how to score points with your customers by gaining their trust in the meantime.

One correction from the episode; The website Brett mentions to register online with the US Social Security Administration is actually: www.ssa.gov/mysocialsecurity

Online FraudCast will be live at CNP Expo 2019! Join us May 22 in San Francisco for CNP Expo and to see our first live recording! Use promo code OF20 to receive 20% off an all-access registration pass

www.cnpexpo.com

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An Informative Conversation with a Fraud Fighting Veteran -Interview with Kevin Lee Apr 16, 2019

This week's episode is a little different than most. This week, Brett & Karisse talk to Kevin Lee, fraud fighting veteran and former fraud leader at Google, Square and Facebook. -and current Trust and safety Architect at Sift Technologies. They discuss a lot of important topics such as:

-The various threats and issues that Kevin faced in his career at 3 of the biggest companies in the world

-The best career advice he has from his experience, and the best advice he's been given (from a pretty famous source)

-Why fraud fighting is now evolving in to "Trust & Safety", and the mindset and advantages within your company that that transition provides

-Advice on how to engage senior leadership, especially when they don't understand the importance of fraud prevention and Trust & Safety

-The reasons he moved from a merchant role to a vendor role and some of the benefits and lessons he's learned from that transition

It's a FULL episode with one of the smartest and well accomplished fraud fighters Karisse and Brett have had the pleasure of knowing, with so many "nuggets" of wisdom and information.

Want to be connected with Kevin Lee on LinkedIn? https://www.linkedin.com/in/kevin-lee-9313251/

**Subscribe to Online FraudCast to be alerted when a new episode is out! Don't forget to rate & review the podcast where you can, and to tell your fellow fraud-fighting friends.

**Brett & Karisse will be doing a live recording of "Online FraudCast May 22 in San Francisco at the 2019 CNP Expo at the Marriott Marquis. Come join them! You can purchase an all-access pass for 20% off at www.CNPExpo2019.com/OF20 We hope to see you there!

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Calling fraudsters and Other Tips for Verifying Manual Review Orders Apr 03, 2019

Brett & Karisse are back together on the podcast and this week they dive in to a great question from a listener: (when it comes to manual reviews) "When should we call the phone # on the order and what questions can we ask to verify if they're the cardholder or not?". Karisse shares tips from when she was a merchant, including one of her favorite "fraud stories". Brett also shares his unique perspective on this topic, especially since 10 years ago, it was possible he was on the other side of the phone call when merchants called to verify cardholder information. He provides a lot of valuable information on how companies can better improve this process. They also talk about the importance of working with law enforcement, the research a carder goes through before selecting a merchant to attack with fraudulent purchases and the current job market in fraud prevention.

Online FraudCast will be recording a podcast episode live at CNP Expo this year! May 21-23 in San Francisco. Come join us! Use NEW PROMO CODE "OF20" to receive 20% off an all-access registration pass. Early Bird registration price is $845 until April 10th!

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Fraud industry Observations - Karisse's Takeaways from MRC 2019 Mar 27, 2019

The online fraud prevention industry has changed a lot. Even in the last decade, we have seen hundreds of 3rd party solutions enter the market, all promising to reduce chargebacks and false positives. We've also seen venture capital firms invest Billions of dollars in fraud prevention technology companies. And we've seen thousands more professionals join the industry as merchants, vendors and everything in between. What do these things mean for the current "state of the industry" and what can we learn for the next 10 years?

In this episode, Karisse shares some of her thoughts on these topics after returning from one of the largest online fraud prevention conferences in the US, the Merchant Risk Council's spring conference in Las Vegas, Nevada. After having 100s of conversations with leading online merchants, talking to several 3rd party providers and walking through the exhibition hall, she'll re-cap her observations, learning opportunities and suggestions for how we can all move forward in the next decade, and beyond.

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On Today's Internet: Perception = Reality and Trust = Currency Mar 20, 2019

Beyond fraud prevention, what is a company's corporate and moral responsibility when it comes to content moderation and keeping their users safe? That is the question Brett & Karisse explore after another tragedy (Christchurch, NZ) was live-streamed on a social media platform. As commerce continues to connect strangers, allows people upload content without anyone reviewing it first, As commerce continues to connect strangers, allows people to upload content without being reviewed or approved first, and strangers get in each other's cars, houses, etc....the need to pivot from "just" preventing payment fraud to gaining consumer's trust and keeping them safe is apparent. But, what do you do when the company strategy conflicts with the strategy of a Trust & Safety team?

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Stop. Collaborate & Listen..."Bad guys" work together; "Good guys" should too Mar 12, 2019

Collaboration in fraud fighting is essential, and on this episode, Brett & Karisse explain why it's important and various ways to collaborate within the industry. But first, they start off with a "What The Fraud" segment that involves El Chapo, Pre-paid debit cards and Brett being offered a job by the Sinaloa Drug Cartel!

One of the main factors that contributed to Brett's success as a fraudster, was collaboration with his peers. Mostly on online forums, but also in person, online fraudsters share everything with each other. From which companies are the easiest to target, to the specific methods of various fraud strategies to online tutorials that include a glossary and tests. But, for the "good guys", it's much harder to collaborate with each other. It's equally just as important to share best practices, new fraud tactics that you're experiencing and which tools work best for which issues as it is for the "bad guys" to share with each other. But, privacy policies, competitive advantages and PR restrictions, it can be a challenge. Though difficult, it's not impossible and creating opportunities for merchant collaboration has been a passion project in Karisse's career, and it's become a topic important to Brett as well, and they share some of the ways they suggest to learn from others in the industry.

Brett & Karisse will be recording an episode of Online FraudCast live at CNP Expo 2019, May 22-23 in San Francisco. Join them! Use promo code " FCast "to save 10% off Early Bird registration until April 5. www.CNPExpo.com

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The "C" Word for Online Merchants: Chargebacks (They aren't as overwhelming as you might think!) Mar 04, 2019

One of the most requested topics for this podcast has been around chargebacks. Listeners have even started referring to this as Karisse's "favorite subject" (it's definitely high on the list!). While an hour is a short amount of time to try to explain everything about chargebacks, this should be a good primer to get you thinking about your company's chargeback strategy. As much of a pain as they are, they can also have value in providing business intelligence to your company and internal processes, as well as a way to track your team's progress and efforts, as you see incoming chargeback volume reduced and recovered chargeback revenue increased.

In this solo episode, Karisse discusses the overall chargeback process, as well as her own philosophy on chargeback management, which has been validated over 14 years of experience in chargeback reduction and recovery.

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As mentioned at the beginning of the episode, Online FraudCast will be recording an episode live on stage at CNP Expo (San Francisco, May 21-23)! Use promo code "Fcast" to save 10% on registration as well as to be eligible for two "perks", to be announced soon.

www.CNPExpo.com

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Fake IDs & Fraud - How Fraudsters are spoofing online ID verification Feb 25, 2019

Fake IDs are used for much more than minors trying to sneak in to bars. -And it's a subject Brett has been dying to talk about on the podcast for the last few weeks! But first, Brett & Karisse discuss last week's emotional episode and some of the responses of listeners. Then, they have two exciting announcements!

The main topic of this week's episode is how fake identity documentation is being used to commit fraud online. As more companies are turning to identity documentation verification services for fraud/Trust & Safety efforts, fraudsters have found ways to get around this. -And it might surprise you to learn what they're doing! Brett believes this is going to become a much bigger issue as 2019 continues and he explains what he's doing to further educate online fraud fighters on this topic, outside of the podcast.

Follow Online FraudCast on Facebook, or follow Brett Johnson and/or Karisse Hendrick individually on LinkedIn.

To attend the first LIVE recording of Online FraudCast at CNP Expo 2019 (May 21-23 in San Francisco), register to attend CNP Expo! Use promo code FCast to receive 10% off early bird prices (while Early Bird prices remains). We're looking forward to seeing you there!

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A "Grifter's" Redemption Feb 15, 2019

Brett & Karisse are both back and ready to catch everyone up on their lives from the last 2 weeks. Also, both hosts were recently interviewed for a large podcast (link below) and wanted to "clear the air" about a few things that were said on that show. Then, the episode takes a sharp left turn, with Brett opening up more than he ever has on this podcast about his past. This episode is emotional, honest and real.

**Child abuse is discussed in this episode; if this is something triggering or difficult for you to hear, please catch up on past episodes or catch next week's episode when we'll return to the subject of fraud

Slate Magazine's Decoder Ring episode about Brett:

Titled: The Grifter

https://slate.com/culture/2019/01/decoder-ring-brett-johnson-grifter.html

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Brett Discusses Online Safety Tips and NEW Synthetic ID Tactics Jan 31, 2019

This week, Brett took one for the team, recording by himself, while Karisse recovers from losing her voice. In this episode, Brett touches on several topics such as sophisticated vs. unsophisticated fraud, preparing your employees to protect your company against the most vulnerable attack methods and a deep dive in to NEW techniques being used to commit synthetic identity theft. -This is especially important for financial institutions, companies with lines of credit and merchants with private label cards.

Subscribe to Online FraudCast on your favorite podcast platform to be alerted when new episodes are out! To contact the hosts, go to www. OnlineFraudCast .com or connect with each host individually on LinkedIn.

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Collection #1 Data Release -How Big of a Deal is This to Fraud? + Interview with Aaron Sherman Jan 25, 2019

Last week, news broke of a new cache of stolen PII data being released. "Collection #1" consisted of over 700 million e-mail addresses and over 20 million passwords. And, it was reported more collections (2-6) would be released soon. But, shortly after the news was announced, many experts reported the bulk of the data had already been released in to the dark markets, so the majority of the "Collection #1" data was "old". Many experts stated this wasn't a big deal because the information is already out. But, is this really no big deal for fraud?

Brett & Karisse asked friend of the podcast, Aaron Sherman, Senior Director of Cyber Threat Intelligence at Braintrace. aaron had a few days to look through the Colllection #1 data and shares observations he found, as well as insights that can be gained from this data that will continue to be useful for fraudsters to commit fraud. Password safety, employee training, credential stuffing and business email compromise are just a few of the topics discussed in this episode.

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Original Article Detailing Collection #1:

https://www.troyhunt.com/the-773-million-record-collection-1-data-reach/

Have I been pwned website:

https://haveibeenpwned.com/

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Identifying the Tipping Point of Fraud Jan 17, 2019

When a company first starts receiving fraudulent transactions on their website, it's usually fairly easy to spot (if you know what to look for). But, after awhile, the fraud tactics will get more sophisticated and frequent. When is that tipping point and what causes it? That's the main listener suggested question Brett and Karisse answer in this episode. They also explore how a fraudster selects a new company to exploit and the things they look at to select the method they use and the information they buy. And, to demonstrate the way they do this, Brett uses the online rental websites as an example. -A business model Karisse knows all about and shares some of her experience & stories.

Subscribe to Online Listen to be alerted when new episodes are released. Follow Online FraudCast on Facebook and Brett & Karisse individually on LinkedIn.

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Fake Reviews and Are AVS & CVV necessary in 2019? Jan 10, 2019

Brett & Karisse dive in to one of the "Top CyberCrime Trends in 2019", fake reviews online. While not directly related to payment fraud, there are several connections to the methodology and goals of the perpetrators. -To create a perception of reality and a narrative to manipulate consumer behavior to their advantage. And if you're a company that allows consumer reviews on your website, chances are your fraud department oversees the integrity of these ads as well.

Then, Karisse tackles a question that was posed in an article last week (and a question she receives fairly often from merchants): Are AVS & CVV necessary in this day and age? Both hosts will discuss the benefits and challenges that come with utilizing these services in an online environment. The answers may surprise you!

Subscribe to Online FraudCast on your favorite podcast platform to be alerted when new episode are out! And, follow Online FraudCast on Facebook, or Brett & Karisse individually on LinkedIn for more fraud news throughout the week.

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New Years Resolutions + a "Home Run" of a Fraud Story Jan 03, 2019

Brett & Karisse are both back from their travels & ready to dive in to talking about fraud. Brett starts out talking about his trip to speak at an International Security Conference in Istanbul, Turkey. Then, he convinces Karisse to share how she helped a famous former athlete re-cover their social media account after it was compromised due to Account Takeover.

They also share their suggestions for New Years resolutions for fraud prevention professionals, based their observations of the merchants that they work with and talk to. Working on any of these best practices will lead to more streamlined processes, business intelligence and optimized systems.

Subscribe to Online Fraud on your favorite podcast platform, follow us on Facebook or individually on LinkedIn.

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Karisse's Solo Episode: A Veteran's Perspective on Career Growth in Fraud Prevention Dec 20, 2018

Brett is out of the country, so Karisse is on her own! Fraud Fighters often ask her about career growth & personal development in this emerging industry of fraud prevention, so she took this opportunity to give her thoughts & experience and some advice she's learned along the way. You're hear about her long & windy road that lead her to consulting & speaking at events, and some of the advice she has for those fraud fighters wanting to take that next step, whatever it is.

Subscribe to Online FraudCast to be alerted to new episodes and follow Online FraudCast on Facebook, or the hosts individually on LinkedIn. Or, e-mail us at Info@OnlineFraudcast.com

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Brett Johnson "Unplugged": Max Butler, USPS Informed Delivery and Ring Doorbells Dec 11, 2018

What happens when Brett Johnson records an episode without his co-host? You get to learn a lot from a former cyber-criminal! In this solo podcast, Brett shares his opinion on former colleague Max Butler's recent indictment of additional felonies while in jail, as well as insights on his own time in prison. Brett also discusses vulnerabilities in the USPS "Informed Delivery" program and smart doorbells and how both can provide a false sense of security unless you're informed.

News Stories Referenced in this episode:

Max Butler News:

https://www.thedailybeast.com/feds-say-imprisoned-hacker-ran-a-drone-smuggling-ring

Aaron Sherman's Interview on Informed Delivery:

https://www-abc4-com.cdn.ampproject.org/v/s/www.abc4.com/amp/news/local-news/criminals-can-target-your-packages-with-usps-informed-delivery/1639604014?amp_js_v=0.1&usqp=

Brett Johnson's Blog Post about Smart doorbells:

https://www.anglerphish.com/single-post/2018/11/12/Ring-a-Ling-Porch-Pirates-Defeating-the-Ring-Doorbell-System

Subscribe to Online FraudCast to be alerted of new episodes when they're released. Also, follow Online FraudCast on Facebook, connect with co-hosts on LinkedIn or e-mail us at Info@OnlineFraudCast.com

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Merchants: There's a New Fraud Tactic in Town & You Need to Know About It! Nov 29, 2018

Based on several reports from online merchants, law enforcement, cardholder victims and even posts on fraudster forums, it's become clear to Brett & Karisse that there's a new fraud tactic targeting online retailers. It's a new issue that they're not entirely sure of a solution yet, but it's rampant enough to discuss and notify online retailers this is happening. But, before diving in to that topic, Brett & Karisse discuss fraud during the holidays. Why do fraudsters love Christmas as much as everyone else? What are some of their goals for holiday orders? What are they posting on dark web fraudster forums? -It'll all be discussed prior to discussing what they're tentatively referring to as "white list fraud".

Follow Online FraudCast on Facebook! Questions? e-mail: info@onlinefraudcast.com

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Phone scams for Merchants: Call Center Fraud & Social Engineering Nov 15, 2018

According to a recent study, experts are estimating that fraud targeting call centers and customer service departments of online companies will increase 250% by the end of 2018 (compared to 2017). And, based on the online companies Karisse and Brett have talked to, it's become a huge problem. Whether the fraudster is calling to re-route a package, place an expensive order or to pre-text, Karisse & Brett will discuss why these are becoming a bigger problem, examples of the tactics being used and ways to work with customer service to train them to identify fraud calls and prevent losses due to phone fraud.

Especially with the holidays coming quickly, this is an important episode to listen to as this method will be used frequently by fraudsters for the Holidays 2018.

To listen to the webinar the hosts mention they did with Sift Science and CardNotPresent.com, and hear more about this fraud trend and others impacting retailers this holiday season, go here:

https://info.cardnotpresent.com/holiday-fraud-trends-targeting-retailers-webinar?utm_campaign=Webinar%20Rebroadcasts&utm_source=web&__hstc=244873690.753f11dbb2fd82bcb7ebeb3a7dfb2a58.1519760045432.1524771864226.1533093306402.8&__hssc=244873690.2.1542309146129&__hsfp=298233994

Subscribe to Online FraudCast on your favorite podcast app to be alerted when new episodes are out. We love to hear from our listeners! Follow Online FraudCast on Facebook, follow the hosts individually on LinkedIn or e-mail us at info@onlinefraudcast.com to stay connected, ask questions or provide feedback!

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Phone Scams -They'll make up over 50% of your phone calls by 2019 Nov 07, 2018

According to a recent AARP study, over 50% of all calls placed to cell phones will be spam/fraudulent by the end of 2018. They say that they'll continue to increase and comprise of 80% of all cell phone calls by 2020. Why are they growing so quickly, how can they be stopped and what do you to to prevent yourself form giving information away on those calls that could lead to financial losses and identity theft? These are just some of the topics discussed on this call; in addition to a thoughtful recollection by Brett of a "full circle moment" recently, speaking at Quantico.

Follow Online FraudCast on Facebook; subscribe to be updated when new episodes are released; e-mail for additional information or questions: info@OnlineFraudCast.com

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Phishing for Fraud: How E-mails & Phone Calls Are Used For Fraud Oct 31, 2018

If you have an e-mail address or a cell phone, chances are you've received e-mails or phone calls attempting to gain your information or have you "fall" for a scam by sending money. This is called "Phishing". -Fraudsters are phishing for your information every day. So much so, it's the #1 method of obtaining consumer information to use that data fraudulently. Accoridng to a recent study by Intel, 97% of consumers and employees can't identify a phishing e-mail. In this episode, Brett and Karisse provide examples of phishing attempts, why they happen, why they work and what to look out for the next time you check your e-mail or your cell phone.

Phishing has also become one of the biggest threats to companies of all sizes and verticals. -Not just online companies, though they're included in those that are targeted. Some companies have lost millions because their CEO responded to a phishing e-mail. Or someone within the company clicks on an attachment in an e-mail, and a hacker gains access to the company's network. Phishing to target companies is also discussed in depth in this episode.

You can follow Online FraudCast on facebook or contact the hosts at Info@OnlineFraudCast.com with feedback or topic suggestions. Any advertising/sponsorship requests should be sent to Josh Cohen at Authentic Management: Josh@AuthenticM.com

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Protecting our kids from identity theft and online fraud -it's a big deal! Oct 05, 2018

Kids are the #1 victims of Identity Theft currently. Experts predict that 1 in 4 children will be a victim of identity theft before they turn 18. On this episode, Brett and Karisse discuss why this is, where the information comes from and what you can do to ensure your child doesn't become a victim. But, there are several other threats to kids online. From account takeover fraud to the theft of a parent's credit card to safety from child predators, Brett & Karisse talk about their own experiences raising teenagers in the age of the internet and how they keep their kids safe. And, they provide several tips to keep your own kids safe, especially in online games and social media. If you're a parent, this will probably the most important FraudCast Episode you listen to!

Important links mentioned in this episode:

Freezing credit with all 3 credit bureaus:

Transunion:

www.transunion.com/credit-freeze or free freeze mobile app called MyTransunion

Equifax:

www.equifax.com/personal/credit-report-services or call 800-685-1111

Experian:

www.experian.com/freeze or call 1-888-experian

Subscribe to Online FraudCast to be notified when future episodes are released on preventing online fraud.

Look for Online FraudCast on Facebook or e-mail us at info@onlinefraudcast.com

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"All Online Crimes Start with Identity Theft" Sep 26, 2018

Identity Theft has become a "buzz word" in the media to describe many types of online fraud. But the actual instances of identity theft have a bigger impact on its' victims than most other online fraud methods. Opening credit lines, bank accounts, driver's licenses and/or filing taxes in your name could be crippling to your credit and take hours and months to clean up.

In this episode, Brett and Karisse discuss how it happens, why it's so prevalent for fraudsters, how to find out if you've been a victim, and most importantly, the best way to prevent becoming a victim of identity theft. One of those ways became free starting September 21 for US residents.

Important links mentioned in this episode:

Freezing credit with all 3 credit bureaus:

Transunion:

www.transunion.com/credit-freeze or free freeze mobile app called MyTransunion

Equifax:

www.equifax.com/personal/credit-report-services or call 800-685-1111

Experian:

www.experian.com/freeze or call 1-888-experian

To check your credit for free once a year:

www.OnlineCreditReport.com

Subscribe to Online FraudCast to be notified when future episodes are released on preventing online fraud.

Look for Online FraudCast on Facebook or e-mail us at info@onlinefraudcast.com

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Preventing Credit Card Fraud Sep 21, 2018

Once your credit card is stolen, what should you do? And how do you prevent your card numbers from being stolen in the future? These are just two of the topics discussed in this follow-up episode to "What happens when a credit card is stolen". Brett and Karisse also discuss other types of fraud that victims of credit card (or debit card) fraud are more susceptible to and how to protect yourself from those as well,

It's estimated that over 14.2 million credit cards were exposed in 2017 in the U.S. As the hosts of Online FraudCast often say, it's "not if, but when", fraud will happen to you. After listening to this episode, you will be more prepared for when this happens to you.

Subscribe to Online FraudCast to be alerted when new episodes are uploaded. Follow Online FraudCast on Facebook, or e-mail us at info@onlinefraudcast.com

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What happens when a credit card is stolen? Sep 12, 2018

Have you had your credit card stolen? Or, has your business had stolen credit cards used on your website or in your physical location? In this episode, Brett & Karisse discuss various methods that are used to obtain credit card numbers, how they are sold & purchased, common ways that credit cards are monetized (used fraudulently) and some of the most common methods being used now to commit credit card fraud that victimize both consumers and online companies.

Subscribe to Online Fraudcast to be alerted to the release of future episodes! If you enjoyed this epiosde, please rate and review this episode on your favorite podcast app to help others find this podcast!

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Understanding the Dark Web of Fraud Aug 29, 2018

Have you heard mention of the "dark web", but have no idea what that is, where it is or how it's used to purchase your personal information or to defraud your business? In this episode, co-host Brett Johnson provides a comprehensive overview of the dark web; how it's accessed, what it's comprised of and how it's used to defraud consumers and online businesses. He also talks about the most vulnerable victims to identity theft right now: children. Both hosts discuss how it's changed over the years, what types of fraud are being discussed right now and how the dark web has led to the creation of an entire economy based on monetizing stolen consumer data.

Subscribe to this podcast to be alerted to future episodes and you can follow Online FraudCast on Facebook and Twitter or e-mail us at info@onlinefraudcast.com for comments, questions or feedback.

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Merchant Episode 6: Mobile Fraud Aug 16, 2018

The main topic of this episode is mobile fraud; fraud that occurs on mobile devices, both in-app and mobile web, as well as mobile emulators and a newer method, phone porting. In the "What The Fraud" segment, Brett discusses a new method fraudsters are discussing on private dark web forums using the cardholders e-mail address to bypass some e-mail verification services. Both Brett & Karisse discuss ways to circumvent this fraud tactic.

Diving in to mobile fraud, Brett talks about phone porting, how fraudsters are now taking over the phone number of cardholders to place an order. They both discuss the use of mobile emulators, in-app and mobile web fraud and various methods of prevention.

Studies mentioned on the episode:

Lexis Nexis True Cost of Fraud Study:

https://risk.lexisnexis.com/insights-resources/research/2018-true-cost-of-fraud-study-for-the-retail-sector

2018 Mobile Fraud Survey:

https://cardnotpresent.com/2018-mobile-survey-shows-complacency-still-looms-as-mobile-commerce-fraud-continues-to-grow/

2018 Fraud Operations Survey Results Webinar:

http://info.cardnotpresent.com/2018-cnp-fraud-operations-study-webinar?utm_campaign=Risk%20Ident%20Webinar%200531%202018%20CNP%20Fraud%20Operations%20Study&utm_source=web

Let us know what you think and what you hope to hear on a future episode! Info@OnlineFraudcast.com

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Merchant Episode 5: Triangulation & Lost Package Fraud Aug 10, 2018

On this episode, Brett & Karisse discuss triangulation. A type of fraud that especially impacts event or attraction ticketing companies, online travel agencies, retailers and anyone with giftcards. First, in the What The Fraud segment, Karisse shares a topic a few retailers have shared with her recently: a steep increase in "lost package" claims. Brett discusses what is most likely the root cause of these claims and Karisse follows up with actions merchants can take to reduce the impact of this to your company.

Triangulation occurs when fraudsters purchase items or services from your company (on a stolen payment method) to resell to a consumer for less than retail. The impact to merchants can result in customer service issues when the customer is impacted negatively (the tickets or giftcards are canceled or the customer can't return the item because there is no purchase history between the consumer and the company). Brett shares why this type of fraud is attractive to fraudsters and several examples of their methods depending on the products that are purchased (and an example of how he unknowingly fell for a triangulation scheme as a consumer). Karisse follows up with the impact to CNP companies and various strategies and process changes merchants experiencing this type of fraud can deploy to reduce the impact to their bottom line and to create policies when consumers contact customer service regarding the purchase of stolen products.

Let us know what you love about this episode by rating & reviewing this podcast on your podcast app and contact us at info@onlinefraudcast.com with questions, suggestions or feedback.

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Merchant Episode 4: (Not-so) Friendly Fraud Aug 01, 2018

On this episode, Brett & Karisse talk about a topic that impacts almost every CNP merchant: "friendly" fraud. But first, Brett discusses a common fraud tactic shared widely on the dark web. Then, they both describe their own definitions of what friendly fraud is and it's impact on CNP businesses. They also discuss why it's such a problem, the challenges in preventing it and strategies to reduce the impact of friendly fraud in your business, whether it manifests in chargebacks or excessive refunds.

Let us know what you love about this episode by rating & reviewing this podcast and contact us at info@onlinefraudcast.com with questions, suggestions or feedback.

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Merchant Episode: Account Takeover Overview Jul 25, 2018

On this episode, Brett & Karisse dive in to a topic they get asked about a lot from CNP merchants: Account Takeovers. They start out by defining account takeovers, explaining why it's growing, the evolution of account takeover from both the fraudster and merchant perspective. Brett also shares characteristics of victims that are most attractive to fraudsters like gender, BIN, location, etc. Karisse then talks about how the information targeted for data breaches impacts ATO tactics and targets and both discuss why it's so important (but difficult) for merchants to work together to fight newer fraud tactics, and provide a few examples of how that can be done.

They also share:

-How fraudsters use proxy servers to commit ATO

-The impact of ATOs on merchants and legitimate consumers

-Different types of ATOs impacting CNP merchants such as brute force attacks, credential stuffing, using card on file, utilizing account purely for legacy of account & how they impact different types of merchants

-Strategies, tools & processes that have been helpful to CNP merchants to reduce & prevent ATOs

-Best practices for continually evaluating fraud service providers and ensuring they're helping you fight the current fraud tactics your company is experiencing

Follow Online Fraudcast on Twitter, Instagram or Facebook; Follow Brett and Karisse individually on LinkedIn and contact us at Info@onlinefraudcast.com

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Merchant episode 2 "Carding" Jul 18, 2018

In this episode, Brett & Karisse take on the topic of "carding", which is the fraudster term for "clean fraud" or standard credit card fraud, to merchants. They start by talking about how each side, fraudster & merchants view this differently and it's impact to merchants. They discuss in-store carding vs. CNP carding and why CNP carding has increased in the US dramatically over the last 3 years.

Brett also shares the 9 different tactics he sees carders employ against online merchants including utilizing a drop ship address, re-shipping, triangulation, in-store pick-up, etc. They both discuss various prevention strategies against CNP carding and why it's so important to continually assess your fraud prevention tools and processes. Karisse ends with providing a high level overview of the various different types of fraud prevention tools & how they're best utilized.

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Merchant episode 1 Jul 11, 2018

In the first official episode dedicated to online and mobile merchants on fraud prevention, Brett & Karisse start off with a segment called "What The Fraud". Brett talks about a current trend he is seeing discussed on dark web forums and Karisse shares a recent trend that's been reported by several merchants. Brett then goes in to the progression of the career of an online fraudster. Knowing what they start doing and the types of fraud they commit at the beginning, their next steps and where different company types fall within that trajectory. Karisse follows up with the "5 stages of fraud", as she has previously highlighted in an article on cardnotpresent.com, sharing observations she's made when merchants first encounter fraud online.

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Introduction Jul 04, 2018

Hosts Brett Johnson and Karisse Hendrick share their very different journeys to lead them both to where they are today, as two of the leading experts in online payment fraud and cybercrime. Brett shares the circumstances and choices that led to becoming a founder of the first darkweb forum to aid criminals in buying and selling credit cards (several years ago) and to eventually end up on the Secret Service's Most Wanted List. And Karisse shares some of the experiences in her career that led to working with hundreds of the largest online merchants in the world, to help them create strategies to reduce online payment fraud. Together, they talk about how they met and formed an unlikely friendship.

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