About this episode

Karisse Hendrick interviews Hailey Windham about FinCEN's updated guidance on fraud collaboration for financial institutions.

In this episode of Fraudology, Karisse Hendrick sits down with Hailey Windham, Community Lead for Banking at Sardine and host of the Fraud Forward podcast. Hailey shares her journey transitioning from a practitioner at community financial institutions to the vendor side, focusing entirely on providing practical, operational insights for credit unions and community bank fraud teams. The conversation explores the highly anticipated June 2026 updated guidance from FinCEN regarding Section 314B of the USA Patriot Act. Hailey breaks down how this new fact sheet eliminates long-standing confusion and regulatory fears, giving financial institutions a robust legal framework to safely share information and collaborate under a liability safe harbor. We also explore the "hot topics" dominating the banking fraud landscape today: Fraud Explicitly in Scope: How the new guidance expands past narrow money laundering limits to formally include computer fraud and scams targeting individuals, organizations, or governments. Reasonable Suspicion vs. Certainty: Why teams no longer need a fully completed investigation or total certainty before sharing data, making early sharing on incomplete…

People in this episode

Host: Karisse Hendrick

Guest: Hailey Windham

Topics covered

• real-time collaboration
• FinCEN guidance
• banking fraud
• information sharing
• fraud prevention
• USA Patriot Act

Keywords

• FinCEN
• 314B
• fraud guidance
• information sharing
• banking
• real-time data
• community banks
• credit unions

Mentioned in this episode

Organizations: Sardine, FinCEN, USA Patriot Act, Fraud Forward, community financial institutions, credit unions, community bank fraud teams

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