23 Oct 2025 Dharshan Shanthamurthy from SISA on forensics-driven cybersecurity, AI, and Ironman
episode
Off the Rails from the U.S. Faster Payments Council - FPC
21 min
2 speakers
6 chapters
transcribed 1 month ago
Transcript
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Transcript generated automatically by AI and may contain errors.
What headlines and new Faster Payments Council resources are introduced at the start of the episode?
off the rails from the US faster payments
I am Reid Lutanen, CEO of the U.S. Faster Payments Council, and this is Off the Rails from the U.S. Faster Payments Council. Today's episode, I'll be joined by Darshan, who is CEO and founder of CISA. Darshan and I are going to dig in deep on cybersecurity, his company's forensics-driven approach, and how AI is impacting that space. But first, the headlines. We have a couple more new resources available on the FPC website. Head to fasterpaymentscouncil.org. Go to the Knowledge Center tab at the top of the page and then click on Resources. Once you get there, you'll find a ton of great resources, including a couple that have been published since our last podcast earlier this month. First, you'll see the 2025 State of Play in U.S.
Faster Payments, developed by the FPC Network Committee. The State of Play in U.S. Faster Payments Industry Report provides a comprehensive update on the market for instant and immediate payment services in the United States with a focus on the various underlying payment networks.
Who is Dharshan Shanthamurthy and how is the interview framed at the beginning?
The 2025 edition includes detailed profiles of 10 networks and highlights their features, capabilities, and unique characteristics. The State of Play report outlines the ways faster payments are being used today, from disbursements and payroll to bill payments and person-to-person transfers. It also examines key elements of network design, such as settlement mechanisms, message standards, routing, and fraud mitigation measures. By comparing these features side-by-side, the report offers a resource for organizations evaluating faster payment solutions. You'll also find a new blog post, Getting Paid Faster in B2B, How Instant Payments Help Reduce DSO and Improve Access to Capital. This resource from the FPC Business Benefits of B2B Instant Payments Workgroup explores how instant payments and e-invoicing can accelerate receivables, improve cash flow, and strengthen access to working capital.
And with that, that's enough of the headlines. Let's get to that conversation with Darshan at CESA.
All right, we're joined by Darshan from CISA. Welcome to the show.
Thank you, Reid, for having me over.
All right, why don't we start off by just getting fundamentally your philosophy on forensics-driven cybersecurity. I think that's something that maybe not everyone who's listening is spending their time thinking about. So what is that? How do you think about it?
What does ‘forensics-driven cybersecurity’ mean and why does Dharshan compare it to the airline and hospital industries?
And what should our audience, the payments professionals at financial institutions, networks, corporates, fintechs, and others, how should they be thinking about it?
Yeah, I mean, forensic-driven cybersecurity is all about turning forensics into foresight, right? So imagine you have a hospital and you're running it and you have an infection in a ward. What do you do? You basically find out what went wrong, what are the hygiene practices, what was the staff behavior, the cleanliness in the room, so on and so forth. And then, of course, you take necessary precautions going forward, right? So you take new cleaning protocols, you train, you monitor your team, you train them and so on and so forth. So the lesson is largely learning from the past mistakes, which is forensics, which allows perhaps in this case, a hospital to make smarter decisions and prevent harm going forward.
So it's as simple as that. So forensics is understanding why something went wrong scientifically. And then foresight is using that knowledge to prevent from what's to happen it again. So it's largely forensics leading, turning forensics to foresight.
Great. And how should our audience be thinking about that in their business? Maybe financial institutions, what should they be thinking about?
Absolutely. I mean, you could probably take instances where things have actually gone wrong. And in our case, in cybersecurity especially, things do go wrong. And not necessarily for your own organization. It could happen to your peer. It could happen to someone else in the industry. So if you were to actually just analyze as to what went wrong, why did it go, get to the root cause of it, and then convert that into insights so that moving forward, you don't have to go through the same ordeal probably some other organization has gone through.
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Chapters
6 chapters
1
What headlines and new Faster Payments Council resources are introduced at the start of the episode?
0:05–1:27
2
Who is Dharshan Shanthamurthy and how is the interview framed at the beginning?
1:27–2:57
3
What does ‘forensics-driven cybersecurity’ mean and why does Dharshan compare it to the airline and hospital industries?
2:57–7:20
4
How should financial institutions apply forensic insights to prevent industry-wide cyber incidents?
7:20–14:29
5
What cybersecurity risks and real-world examples does Dharshan identify with agentic AI?
14:29–20:15
6
How can lessons from cloud adoption guide governance and monitoring for AI (including shadow AI)?
20:15–21:16
Speakers
2 identifiedMore from Off the Rails from the U.S. Faster Payments Council - FPC
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13 August 2026 Podcast Cathy Lesser Mansfield
30 July 2026 Podcast Erik Van Bramer from Federal Reserve Financial Services
16 July 2026 Callum Godwin of CMSPI on faster payments for merchants