Scott Anchin

speaker

276 appearances 1 recordings 1 series first heard May 2026 last heard 28 May

Scott Anchin’s voice in public audio — every appearance, attributed to the second.

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Recordings per month over the last 12 months — 1 in all, peaking in May 2026 with 1.

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Off the Rails from the U.S. Faster Payments Council - FPC · 28 May 2026 Scott Anchin of ICBA on Check Fraud, Stablecoins, AI, and watches · 28 May 2026 podcast

I mean, I think that AI is a double-edged sword.

I think that it's a tool that

fraudsters and scammers use to steal money from people, but it's also a really valuable piece of defense for financial institutions.

Community banks have spent a lot of time thinking about how to implement AI in fraud detection, and the technology has become so much more accessible that it gives community banks an opportunity to fight fraud at the same level as their much larger counterparts.

so that i think that's enabled a lot of additional safety for community bank customers so yeah really a double-edged sword it's both the danger and the solution yeah uh synthetic identities synthetic identities i think uh i associate that obviously with with risk i mean i think that it's it's a hugely growing and

difficult to detect, uh, fraud vector.

I mean, I think it gels nicely with the AI conversation because AI, I think is useful in helping to detect some of these synthetic identities.

Is that, could you have been doing that read?

I think, I think, um,

think that, you know, community banks traditionally have really known their customers very well.

And that's proven to be a really valuable defense for community banks from synthetic identities.

But nevertheless, because of AI, they're becoming more sophisticated and put together in ways that are much more convincing.

So certainly they're a growing risk, but not, I don't think it's an insurmountable challenge.

I think

I'll also give some credit to the Fed here who has a synthetic ID toolkit, which has a lot of valuable material in it, which is accessible to all.

So I think the industry is doing a good job educating and fighting back in that area.

Still with us.

So checks, I think, have been a huge fraud vector, of course.

I think institutions of every size and customers have been struggling with this throughout the industry and throughout consumers.

And I don't think they're going to go away.

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