The Rampant Threat of Distributed Fraud
Tahin built and scaled risk systems for the past decade at leading fintechs like Stripe, Mercury, and Interac.
AI isn't just leveling up productivity — it's leveling up fraud. Risk teams are using LLMs and workflows to automate triage, alert generation, even model reviews. Fraudsters are doing the exact same thing, just faster and without compliance in the way. They're integrating AI into their workflows like pros: using GPT-style agents to write appeal emails, automate dispute flows, craft synthetic identities, and run adaptive fraud playbooks.
These aren't scrappy lone-wolf scammers. They're coordinated, distributed fraud rings running AI-native operations at scale. Case in point: earlier this year, scammers faked an entire exec team on a live video call and walked away with $25 million. That wasn't a phishing link - it was a deepfake production1.
And it worked.
Distributed Attacks at Unprecedented Scale
Distributed fraud has always been hard to contain. But now it's gone programmatic. With LLMs and cheap AI tooling, attackers can launch synchronized account takeovers, fake onboarding flows, and synthetic credit apps across dozens of fintechs simultaneously. We're talking about full fraud farms using AI to generate fake documents, mimic user behavior, and dynamically adapt to your risk controls—at scale, and in real-time. They're testing your edge cases before your analysts even know they exist.
Legacy Risk Stacks Can't Compete
Legacy rules get overwhelmed. Manual reviews can't scale. Basic KYC and onboarding tools crumble under deepfake precision. If your fraud stack can't detect coordinated behavioral patterns, link distributed accounts, or act on signals before they escalate, you're already playing catch-up. Fighting AI with static logic is a losing game. You need real-time pattern detection, session-level context, graph analysis, and your own machine learning models and automated AI workflows in the loop. This is fraud at AI speed—you better meet it head-on.
Get ready for the future of fraud
If you're a fintech building or scaling your platform, don't wait for a high-profile incident to tell you your stack isn't ready. We work with companies who are serious about architecting their systems for resilience — real-time, event-driven, AI-aware fraud detection that sees attacks before they snowball. Book a consult.
We'll audit what you've got and help you build a system that fights back.