ChargeForward Conversations - Uncovering Fraud’s Blind Spots: The Hidden Risks Lurking Behind ACH, Returns & Synthetic Identities

About this episode

This episode explores the evolving landscape of financial crime, focusing on ACH fraud, synthetic identities, and return abuse with expert insights from Steve Lenderman.

Video Podcast Replay – Audio from a ChargeForward Conversations video podcast with experts from Chargebacks911 and isolved. Credit card fraud is just the beginning. ACH fraud, synthetic identity scams, and return abuse are evolving fast—and most merchants aren’t ready. In this episode of ChargeForward Conversations, Steve Lenderman, Head of Fraud Prevention at isolved, walks us through the darker corners of modern financial crime and the blind spots that put your business at risk. If you thought R10 disputes only protected consumers, or that account takeovers were easy to spot, think again. Steve has trained law enforcement, built fraud teams at PayPal and ADP, and even created synthetic identities for white-hat research. This is one episode you can’t afford to skip. What you’ll learn: Why R10 “chargebacks” via ACH are a growing merchant liability How synthetic identities are created in under 10 minutes with AI The link between economic pressure and first-party fraud Why return fraud is harder to define—and detect—than you think How fraudsters are scaling attacks using LLMs and automation The need for new fraud fighters in the next generation Presentations by Jarrod Wright and…

People in this episode

Host: Jarrod Wright

Guest: Steve Lenderman

Topics covered

• fraud prevention
• ACH fraud
• synthetic identities
• return abuse
• financial crime

Keywords

• R10 chargebacks
• first-party fraud
• LLMs
• automation

Mentioned in this episode

Products: isolved

Books & works: Uncovering Fraud’s Blind Spots

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