Good Question

Freddy Massimi is a Fraud Analytics Analyst at Live Oak Bank, a certified human trafficking investigator, and a fraud professional who has spent his career following financial patterns to their human consequences.

In this conversation from Fraud Fight Club Round 3, Freddy traces his path from third-shift debit card fraud at BB&T to elder abuse investigations, human trafficking certification, and now AI-powered document fraud detection. He talks about what the link between financial crime and human exploitation actually looks like in the data — and why fraud teams that understand that connection are better equipped across the board.

He also shares a case that changed how he thinks about the job: a pig butchering victim who told him she was planning to end her life. "Trust your gut. Treat every customer like your grandparent."
On the technology side: Freddy uses Inscribe at Live Oak Bank to detect AI-generated documents. He's seen the forgery market firsthand — pay stubs available for $10, IDs that pass visual inspection, documents generated by AI tools that leave almost no trace for human reviewers.

Topics covered:
AI-generated document fraud and detection
Pig butchering scams and investment fraud
Human trafficking and financial crime
Elder abuse and fraud victim support
Fraud analytics at community banks

Tracy Hall lost over $300,000 to a romance scammer. For the first two years, shame kept her silent — the same shame that keeps most victims from coming forward.
She's now an author, speaker, and fraud victim advocate. She co-authored a language guide with the Australian government to change how fraud is reported in the media. One of the nine principles: never say a victim "lost" money. Money was stolen.
At Fraud Fight Club Round 3, Tracy talks about why the language around fraud matters, what it takes to rebuild after financial and emotional devastation, and why she keeps showing up for people who don't yet have their own strength.
Topics covered:
Romance fraud and pig butchering scams
Fraud victim advocacy and support
Media language and how we talk about scams
Shame, silence, and survivor recovery
Women in fraud prevention and awareness

Amy Davis leads fraud investigations for US Card at Capital One — a role that spans external fraud rings, internal fraud, coordinated scam events, and law enforcement. At Fraud Fight Club Round 3, she shared a framework for making the case for proactive fraud testing inside large institutions, and how her team approaches defenses that can't afford to stay static.
She also offered one of the more clarifying frames on fraud organization: there are only four fraudsters in the world, and everyone else is working for those four. From supply chains to call centers to help desks — the infrastructure is real, and it's watching your thresholds.
Topics covered:
Proactive fraud testing and red-teaming
Organized crime and fraud supply chains
AI-enabled fraud and scam detection
Internal fraud investigations
Fraud strategy at large financial institutions

Denise Schott manages fraud operations at Regions Bank, overseeing customer claims, fraud detection, and new account screening. With nearly 30 years in banking fraud — including time at JPMorgan Chase going back to its Bank One days — she's seen the field change significantly.
In this conversation from Fraud Fight Club Round 3, Denise talks about the career practice that's served her most: rotating roles every five to six years to stay sharp and invite outside perspective.
She also covers the shift from loss prevention to customer experience balance, the rise of payment fraud targeting consumers directly, and why check fraud isn't going anywhere. It's currently running 2-3x higher than pre-2021 levels.
Topics covered:
- Fraud operations leadership and team structure
- Balancing fraud prevention with customer experience
- Payment fraud and business email compromise (BEC)
- Check fraud trends in 2025 and beyond
- Career development in banking and fraud

Fraud detective and Fraud Hero founder MarC Evans joins hosts Inscribe CEO Ronan Burke and Head of Marketing to explore one of the most overlooked gaps in fraud fighting — the space between catching fraud and prosecuting it.
Marc draws on more than a decade of investigative experience to explain why cases fall apart, how AI is supercharging document fraud, and why the most important question in the industry isn't "how do we recover?" but "how do we stop this before it starts?"
If you work in fraud, risk, or financial services, this one is worth your full attention.
Hear more episodes at inscribe.ai/podcast