The Blueprint for a World of Safer Money
Who is responsible for building a world of safer money?
Not one industry. Not one agency. Not one country. It's a shared responsibility.
This eBook brings together ten leaders across banking, law enforcement, regulation, nonprofits, and more for their views on what it will take to bring financial crime to a halt. These are perspectives you won't find anywhere else.
“Fraud and financial crime are too complex and too interconnected for any one organization to solve alone. This is a societal challenge.”
— Nuno Sebastião, Co-founder, Chairman, and CEO, Feedzai
Contributors
Follow the Money, Change the World
Donna Turner
Chairman of the Board, The Knoble
Donna Turner
Chairman of the Board, The Knoble
“Criminal networks share tactics and adapt continuously. The only way to stay ahead is to move intelligence faster than they move funds.”
Banks already hold the most powerful tool to disrupt fraud and trafficking rings: their infrastructure. All they need to understand is how to effectively use it as a force for human protection.
Reaching Payments ‘Nirvana’: Protecting the Vulnerable in an Instant Payment World
Kristy Duncan
Founder and CEO, Women in Payments
Kristy Duncan
Founder and CEO, Women in Payments
“A true ‘nirvana’ of payments is one where zero scams and zero fraud are the standard. It’s one where an overwhelmed mother can focus on the milk run instead of trying to protect her identity, money, or personal data at checkout.”
A frantic run to buy milk and a global fraud pipeline have more in common than you'd think. This seemingly innocent event reveals why protecting a consumer’s most distracted, vulnerable moments is the real test of a safer payments system.
A Collaborative, National Response to the Scamdemic
Erin West
Founder and CEO, Operation Shamrock
Erin West
Founder and CEO, Operation Shamrock
“Stolen American wealth is essentially underwriting hostile infrastructure overseas. This isn’t just consumer fraud; it’s a national security crisis.”
When criminals drain American wealth, they fund infrastructure that threatens US interests abroad. Fortunately, this crisis is not unsolvable. Discover how a unified national strategy that includes the appointment of a “Scam Czar” and streamlining scam reporting can keep everyday people safe.
From Cleanup to Prevention: Building Safer Digital Marketplaces
Brian D. Hanley
Director of Asia Pacific, GASA
Brian D. Hanley
Director of Asia Pacific, GASA
“One of the biggest mistakes we make in combating scams is treating them as a payment problem. In reality, they are a systems problem requiring the entire attack chain to take responsibility.”
Scammers thrive by exploiting the seams between banks, telcos, and online platforms, leaving consumers vulnerable. Discover how shifting from reactive cleanup to proactive, cross-sector collaboration can finally dismantle criminals’ playbooks and secure trust in the digital economy.
Law Enforcement’s Moral Imperative to Build a World of Safer Money
Det. Matt Hogan
Connecticut State Police
Det. Matt Hogan
Connecticut State Police
“When we integrate industry fraud data with our investigative reach, we transform isolated transactions into a collective shield that protects the people that we both protect and serve.”
Violent gangs are switching to white-collar crime because the math favors them: lighter sentences and lower risk. A seasoned Connecticut State Police detective provides a blunt account of what law enforcement needs to successfully investigate and prosecute financial criminals.
Seeing the Human Hidden in the Data
Cintia Meirelles
Country Director of The Exodus Road Brazil
Cintia Meirelles
Country Director of The Exodus Road Brazil
“There's a gap between what a bank’s system flags and what it means. It’s that gap where people disappear. Closing it requires a new kind of partnership.”
Financial data can reveal complex criminal patterns. However, it often misses the human stories of exploitation happening in the shadows. Discover how unifying banking oversight with ground-level insights creates a powerful, collaborative force capable of turning suspicious transaction alerts into life-saving intelligence.
Centering Consumers in an Ecosystem for Fraud Prevention
Helen Fairfax-Wall
Chief Policy and Communications Officer, Stop Scams UK
Helen Fairfax-Wall
Chief Policy and Communications Officer, Stop Scams UK
“Empowering consumers to report suspicious activity before loss occurs provides the ecosystem with the intelligence needed to find fraudsters. This collective vigilance creates a united front against organized crime.”
Consumer awareness alone isn’t enough to fight organized crime. Effective fraud prevention requires an ecosystem-wide response that unites around a key central player: the consumer.
US Citizens Are Under Siege From Scammers. Here’s How to Fight Back
Ken Westbrook
Founder and CEO, Stop Scams Alliance
Ken Westbrook
Founder and CEO, Stop Scams Alliance
“Scams are unifying Americans to demand that their institutions, including platforms, banks, and government, do more to stop this threat and keep money safe.”
New Gallup data reveals just how deep the scam epidemic runs in America and how citizens are unified in demanding stronger government action. Fortunately, the US has a proven playbook that it has previously used to tackle challenges of this scale.
The Tech-Driven Future of Fraud Prevention
Simon Miller
Director of Policy, Cifas
Simon Miller
Director of Policy, Cifas
“The tech sector has the tools, the talent, and the influence to lead the way in partnership with the wider fraud prevention community.”
Fraud has industrialized into a service easily purchased on the dark web. Learn why tech platforms, not just banks, hold the keys to stopping it at scale.
The Regulator's Role in the AI Era
Manesh Samtani
Editor, Regulation Asia
Manesh Samtani
Editor, Regulation Asia
“Regulators can make AI adoption feel like a predictable, low-risk evolution rather than an experimental, high-risk endeavor.”
The old "detect and report" model is obsolete, and regulators know it. Learn how APAC regulators are changing the game by providing a safe harbor for innovation and shifting from traditional rule-makers to industry partners who prioritize AI adoption.
Why We Need a World of Safer Money
Nuno Sebastião
Co-founder, Chairman, and CEO, Feedzai
Nuno Sebastião
Co-founder, Chairman, and CEO, Feedzai
“These are not just financial transactions. They are the events that our lives are built around. Events that customers trust all of us involved to get right.”
Every transaction carries something deeper than currency: trust. Nuno Sebastião makes the case for why protecting that trust is Feedzai's founding mission, and why building a safer financial system is a responsibility no single company can carry alone.
Inside the Blueprint
10 perspectives. One conclusion. A world of safer money is everyone's responsibility.
Banks can see what others can't
Financial institutions have a unique view of money as it moves. That visibility is one of the most powerful tools available in the fight against financial crime.
How law enforcement can stay ahead
Advanced toolkits, modernized infrastructure, prosecutors who understand the cases in front of them. The gap between what investigators have and what criminals use is widening fast.
The public is demanding change
New Gallup data shows overwhelming agreement that scams pose a serious threat to American households, and a hardening demand that governments do more.
Faster payments means narrower windows
As transactions become instant, the time to intervene shrinks. The people most exposed to fraud are often the least equipped to recover from it. Speed does more harm than good without protection.
The central role of tech platforms
Technology platforms have been abused by criminals who use it to evolve their methods. But tech companies, financial institutions, and regulators can use technology to advance fraud defense.
FAQs About The Blueprint for a World of Safer Money eBook
What is The Blueprint for a World of Safer Money about?
Feedzai’s “The Blueprint for a World of Safer Money” eBook explores the urgent need for a coordinated, cross-sector response to modern fraud and financial crime. It argues that combating these sophisticated threats requires moving beyond isolated compliance efforts toward a collaborative ecosystem. Contributors across a wide range of disciplines detail how banks, regulators, technology platforms, and law enforcement can align their tools and intelligence to effectively protect vulnerable consumers and businesses.
Who should download this eBook?
“The Blueprint for a World of Safer Money” eBook is a must-read for professionals across banking, financial services, law enforcement, and regulatory agencies, and other critical institutions. It is also highly relevant for technology policy leaders, consumer protection advocates, and anyone involved in building safer digital ecosystems and marketplaces. If you are committed to preventing financial crime and want to understand the future of collaborative, tech-driven fraud prevention, read it today.
Why is building a world of safer money a shared responsibility?
Financial crime is no longer the work of lone opportunists. It is industrialized and cross-border. Because fraudsters exploit gaps between industries, no single organization can solve this societal challenge alone. Building safer money requires a coordinated, ecosystem-wide response where financial institutions, tech platforms, governments, and civil society actively share intelligence, align their actions, and close vulnerable loopholes.
Which financial crime prevention experts are featured in the eBook?
The eBook features diverse insights from prominent industry leaders, including Donna Turner (The Knoble), Manesh Samtani (Regulation Asia), Simon Miller (Cifas), Kristy Duncan (Women in Payments), Helen Fairfax-Wall (Stop Scams UK), Ken Westbrook (Stop Scams Alliance), Cintia Meirelles (The Exodus Road), Erin West (Operation Shamrock), Brian D. Hanley (GASA), and Detective Matt Hogan of the Connecticut State Police.
Why does law enforcement need stronger support against financial crime?
Criminal networks are moving from violent crimes to lucrative white-collar schemes because prosecution is lighter and risks are lower. Law enforcement requires specialized training, modern investigative technology like AI, and robust data-sharing partnerships with private institutions to meet this challenge.