Veriff Voices

Welcome to the Veriff Voices Deepfakes Series.

If you still picture a fraudster as a bored teenager in a basement, it's time to update your threat model. Today's fraud rings are well-funded, highly organized corporate enterprises. And thanks to generative AI, the broken grammar and clumsy emails that used to give them away are officially gone.

This episode jumps straight into the conversation, so let us set the stage: In episode three of our Deepfakes Series, host Anisah Osman Britton sits down with US tax attorney, author, and Taxgirl creator Kelly Phillips Erb to decode the business...

Have you ever wondered what happens to digital identity when the entities interacting on your platform are no longer humans, completely altering how we establish online trust?

In this second episode of our deepfake series, host Anisah speaks to government technology specialist Luukas Ilves and Veriff's Hubert Behaghel about the rapid rise of autonomous AI agents and the dawn of the agentic economy.

From exploring the hidden security vulnerabilities of unmanaged digital assistants to unpacking why traditional, circumstantial identity signals fail entirely against advanced deepfakes, this conversation demystifies the fast-moving landscape of automated tech. They...

Have you ever wondered what modern digital fraud actually looks like behind the scenes, especially when navigating the online world of dating?

In this first episode of our deepfake series, host Anisah speaks to Veriff team members Ira and Geo about their work in both recognizing deepfakes and fraud and combating it. From exploring people's experiences having been catfished to unpacking the escalating threats of AI-powered impersonation, this conversation sets the scene on what fraud actually is and offers actionable advice on the ways we think that we can protect ourselves moving forward.

[01:29] The four...

How can crypto go mainstream without sacrificing its core values of openness and decentralization? Sean Li, Co-Founder of Magic Labs, reveals how the industry is moving beyond the "wild west" era and into a future of verifiable, on-chain trust.

Peer-to-peer mobility platforms rely on one critical ingredient: trust. Adriana Cespedes, Founder of Ventu, joins Veriff Voices to discuss how identity verification helps protect car owners, prevent fraud, and create safer experiences for travelers in Costa Rica's growing mobility marketplace.

Recent data exposures have revealed a hard truth: while orchestration of the customer trust lifecycle to third party providers can bring convenience, there is a cost that comes with outsourcing trust. In this episode, Veriff CPTO Hubert Behaguel explores what that means for KYC providers, identity supply chains, and the future of digital security.

Credit reports are often treated as the gold standard, but what if the data cannot always be trusted? Patrick De Suza, Co-Founder and CTO of Grid, helps us explore why only a multi-layered fraud defence can keep your business safe from synthetic identities, credit washing, and manipulated bureau data.

How do you keep onboarding fast when regulation is strict and fraud keeps evolving? In this episode, Claudia Sikora, Team Lead at BVG Jelbi, shares how Berlin's all-in-one mobility app balances compliance, fraud prevention, and a seamless user experience at scale. From verifying drivers' licenses to adapting to AI-driven fraud, we explore what it really takes to build trust in modern mobility platforms.

Perpetual KYC (pKYC) is reshaping compliance. In this episode of Veriff Voices, Alex Buckwald from Alloy, joins us to break down why pKYC is replacing periodic reviews, how biometrics fit into the picture, and why a little friction can actually build trust. A practical, honest conversation on fraud, regulation, and designing identity journeys that work for both businesses and customers.

Fraud now accounts for 43% of all crime in the UK. In this episode of Veriff Voices, Cifas Director Rachael Tiffen breaks down the latest fraud research, exploring AI-driven identity fraud, insider threats, and why cross-sector collaboration is critical to restoring digital trust.

How do digital transformation and identity verification work together to fight fraud? SaaS Production CTO Quentin Fahrner joins us to share how smarter tech, smoother integrations, and AI are shaping a safer digital future.

We caught up with Bruce Ackerman, Head of Sales at end-to-end verification orchestration specialist Grid, to discuss why collaboration, adaptability, and smarter verification are key to staying ahead of fraud.

[00:18] Introduction to fraud and digital identity
[03:48] Understanding synthetic identities and AI fraud
[06:42] User experience in fraud prevention
[08:05] Customer concerns and business strategies
[13:10] The need for collaboration in fraud prevention and building a collaborative anti-fraud ecosystem
[17:53] Understanding the cost of fraud
[19:35] The slow response of financial institutions
[21:45] The future of data sharing in finance
[24:40] Evolving threats and job security
[27:25...

Feeld's Lead Product Manager Lavina Lim joins host Anisah Osman Britton to explore what trust really means in modern dating. From AI-generated identities to catfishing to protecting vulnerable communities, Lavina shares how Feeld and Veriff built a verification experience that supports authenticity without limiting self-expression. A sharp, honest look at the future of intimacy, safety, and connection online.

Produced by Any Other Business.

As Veriff celebrates its 10-year anniversary, we've explored the founders, the product, the customers, and the technology behind the company. But this episode of Veriff 10 shifts focus to something less tangible but just as defining: the story. 

Host Anisah Osman Britton sits down with Carly Brantz, Veriff's Chief Marketing Officer, and Karita Sall, Vice President of Global Communications, to talk about how Veriff's identity has evolved, from a small Estonian startup pitching its very first press conference, to a global trust brand shaping a new category.

Produced by Any Other Business.

In the third anniversary special, board member Ott Kaukver and Chief Product and Technology Officer Hubert Behaghel join host Anisah Osman Britton to explore how Veriff balances innovation and discipline in an age defined by AI. From the early decision not to sell the company to reimagining identity for humans and machines alike, this episode is a look inside how Veriff continues to shape the future of trust.

Hosted by Anisah Osman Britton and produced by Any Other Business.

They were there from the beginning, the early believers who saw Veriff's potential long before it became a global leader in digital trust. In this 10th anniversary episode, Anisah Osman Britton speaks with Taavi Kotka, IT visionary, entrepreneur, and digital transformation advocate, and Rainer Sternfeld, engineer, entrepreneur, and managing partner at NordicNinja, about the early days of Veriff, what convinced them to back a young founder with a bold idea, and how that belief turned into a decade of innovation, resilience, and global impact.

Produced by Any Other Business.

Ten years ago, Veriff began as a small Estonian startup with a simple idea: to make the internet safer, one verification at a time. In this special anniversary episode, Founder and CEO Kaarel Kotkas reflects on Veriff's journey from an island in the Baltic Sea to a global leader in digital trust, and shares his vision for the next decade of identity.

Produced by Any Other Business.

Digital signatures are no longer a nice-to-have, they're becoming the backbone of modern business. In this episode of Veriff Voices, we sat down with Federico Bond, co-founder and CTO of Signatura, to unpack how electronic signatures are transforming financial transactions and legal workflows across Latin America.

[00:00] Introduction
[02:44] Challenges in the Latin American market
[06:00] Pain points solved by e-signatures
[09:10] Regulatory landscape and compliance
[10:50] Integration of identity verification solutions
[14:11] Future of digital identity and signatures
[16:28] Addressing fraud and security threats
[17:52] Advice for startups on choosing partners
[21:45] Impact of Veriff solutions on S...

In this episode of Veriff Voices, we sat down with Romeo Ju, Founder and CEO of Bancoli, to explore the rapidly evolving world of global payments and digital identity verification.

From scaling payments across 85+ countries to navigating complex compliance landscapes, Romeo shares how Bancoli is tackling challenges like fraud prevention, AI-driven threats, and regulatory hurdles while delivering seamless user experiences.

Discover why speed, UX, and cultural alignment matter when choosing partners, how Veriff helps Bancoli onboard users securely at scale, and what innovations, from NFC-based ID verification to biometric authentication, will define the future of...

In this episode of Veriff Voices, we explore the challenges and trends in the telco sector, particularly regarding customer onboarding and fraud prevention, with Niklas Kagevik, Head of Product Management at Swedish telco Tele2. Discover how Tele2 streamlined the onboarding process and enhanced customer experience, while also addressing fraud risks. The conversation also touches on the future of digital identity in the telco industry, especially with the rise of eSIM technology.

[00:58] Introduction to Tele2 and Niklas Kagevik
[02:06] Current trends and challenges in the telco sector
[03:09] Customer onboarding and fraud prevention challenges
[05:42]  Choosing Veriff and i...

In this episode of Veriff Voices, we explore the intricate world of customer onboarding and user experience in the crypto industry with Teddy Williams, Compliance Officer at VALR. Discover how VALR leverages strategic partnerships to enhance compliance, streamline onboarding, and build trust with users globally. From tackling regulatory challenges to ensuring a seamless user journey, this conversation delves into the critical elements that drive VALR's success in a fast-paced market.

[01:17] Introduction to VALR and the crypto landscape
[02:56] Trends and challenges in the crypto market
[06:33] Partnership: what led you to seek out Veriff
[10:35] Ease of...

In this episode of Veriff Voices, we dive into the world of eCommerce and digital identity with Tatiana Ivanova, Business Manager at A1 SolarStore. Discover the challenges and innovations in the solar marketplace, the importance of identity verification, and how A1 SolarStore is navigating fraud prevention while expanding into new markets. Tune in for an insightful conversation on building trust and ensuring security in the digital age. 

In this episode of Veriff Voices, Chris Hooper and Dr. Leda Glyptis discuss the complexities of digital transformation in financial services, emphasizing the importance of people and processes over technology. We explore the critical role of digital identity in transformation projects, the regulatory landscape's influence on innovation, and the balance between customer experience and security. The conversation also addresses the challenges posed by legacy systems and offers practical advice for leaders in the industry, as well as Dr. Glyptis' vision for the future of digital identity and its societal implications.

In this episode, we're joined by Chris Skinner, a world-renowned expert and thought leader in the subject of online fraud. We explore how fraud tactics are evolving, the impact of fraud on key industries like financial services and ecommerce marketplaces, and what businesses can do to keep themselves and their customers safe. One key theme in this discussion is that of digtal identity - and how businesses validate and authenticate the identity of customers is the key to stopping online fraud in its tracks.

In this episode, we're joined by global FinTech influencer Dr. Ruth Wandhöfer to explore the intersection of AI, compliance, cybercrime, and digital regulation. From the rise of machine-to-machine threats to the urgency behind DORA and data sharing, Ruth unpacks why cyber resilience is no longer optional and what organizations must do today to futureproof tomorrow.

03:50 Understanding RegTech and AI's Role
06:45 Challenges in Integrating AI in Fraud Prevention
09:15 Balancing Fraud Detection and Compliance
12:30 The Importance of Cyber Resilience and DORA
17:22 Navigating Regulatory Frameworks in Financial Services
20:30 Streamlining Compliance Efforts in Financial S...

Gana777, part of the global Senator Group, is rapidly expanding its digital gaming presence across Latin America, with new markets opening in Honduras and El Salvador. But with big opportunity comes big challenges, especially around fraud and customer trust. In this episode, discover how Gana777 partnered with Veriff to tackle these issues, speeding up onboarding and building loyalty in one of the world's fastest-growing betting markets.

New banks often attract fraudsters who assume tight launch deadlines mean weak fraud prevention. But LHV proved otherwise. In this episode of Veriff Voices, Kris Brewster, LHV's Director of Retail Banking, shares how our partnership built an onboarding flow that stops fraudsters and delivers a top-tier experience for real customers.

[00:17] LHV Bank: introduction and journey
[03:22] Building a bank in under a rear
[07:47] Designing a customer-first experience
[11:19] Partnering with Veriff and building trust
[18:16] Balancing UX with fraud prevention
[24:50] Tech's role in fraud detection
[28:05] LHV's future plans and growth
[29:36] Advice for aspiring...

In this episode of Veriff Voices, we sat down with Dr Mariola Marzouk, Co-founder of Vortex Risk and a longtime voice in economic crime prevention. But this wasn't your standard AML conversation. It offered a sharp, unflinching examination of the gap between regulation and real-world outcomes—highlighting why, despite decades of policy efforts, we continue to struggle in making meaningful progress against financially driven crimes like human smuggling, drug trafficking, corruption, fraud, and more.

[00:17] Introduction
[05:34] Evolution of AML regulations
[13:20] Policing challenges
[20:08] Debanking and its impact on businesses
[26:20] Are AML regulations working? Where RegTech pr...

Most businesses are aware of the importance of knowing your customer, but what about knowing your employees? Aarti Samani, founder of deepfake fraud prevention consulting firm Shreem Growth Partners, explains what fake worker scams are – and offers some tips on how to defend your organization against them.

[00:17] Introduction to deepfake fraud
[03:14] Understanding the threat level
[06:12] Real-world examples of deepfake fraud
[09:09] Targeting businesses: the fake worker scam
[12:12] Fraud tactics in B2B enterprises
[14:56] The importance of verifying authenticity
[18:03] Identifying high-risk sectors
[21:01] Preparing for future threats
[23:55] Building a culture of awareness

With AI-generated songs and streaming scams on the rise, music distributors face mounting pressure to verify real artists. EMD Co-Founder and President David-Olivier St-Pierre Garcia joins Veriff Voices to discuss how Veriff is helping EMD fight fraud, protect artists, and restore trust in the music industry.

As a cutting-edge startup revolutionizing secure online document notarization, Legitify needed to stay laser-focused on its core mission. However, ensuring the reliable verification of individuals' identities was a crucial part of the process. That's where Veriff stepped in. In this episode, we sit down with Aida Lutaj, Co-Founder & CEO of Legitify, to explore how Veriff is empowering this pioneering startup to streamline cross-border digital notarization with confidence and ease.

[00:17] Introduction to Aida and digital notarization
[02:43] The inception of Legitify
[05:53] Traditional vs. digital notarization
[09:53] The importance of identity verification
[14:15] Navigating regulatory landscapes
[18:23] Trust a...

Most organizations adopt a reactive stance when it comes to cyberthreats. But Tim Zentz, Vice President of CODEX*, argues that as AI is increasingly adopted as a tool by online fraudsters, anticipating and countering your attacker's MO is an ever more vital element of effective defense.

*CODEX (Cyber Offense and Defense Experts) is one of four business units at intelligence services company Nightwing, which was itself spun out of Raytheon as a separate company last year.

[00:16] Introduction to cybersecurity and fraud challenges
[05:32] The rise of ransomware and AI's role
[08:20] Offensive vs. defensive security...

In this episode of Veriff Voices, we explore the psychology behind fraud, the emotional toll it takes on victims, and actionable strategies to combat it. We're joined by renowned criminologist and forensic linguist, Dr. Elisabeth Carter, who sheds light on how fraudsters manipulate trust and emotions to exploit their victims.

[00:17] Introduction to fraud and forensic linguistics
[04:32] Understanding authorised push payment fraud
[08:03] The psychological manipulation of victims and the sophistication of fraud techniques
[15:19] The impact of fraud on victims
[19:42] Fraud in financial services and emerging trends
[24:11] Adversary-in-the-Middle fraud
[27:55] Organizational strategies against fraud<...

Fraud is usually characterized as a financial crime, but for victims the psychological impact can be just as serious. We spoke with Cecilie Fjellhøy, a high-profile victim turned activist who appeared in the 2022 Netflix documentary The Tinder Swindler, about the devastating consequences of so-called 'romance' fraud – and what can be done to combat it.

For our 40th episode, we invited back Mike Haley, CEO of Cifas, to discuss the growing fraud threat to businesses in 2025. Exploring the threat from identity fraud and account takeover attacks, we discuss how AI is helping tackle these challenges and the need for businesses to improve their collaboration, data sharing and account monitoring to stay ahead of the evolving fraud threat.

Crypto is moving rapidly towards the mainstream, but consumer confidence in alternative currencies remains an obstacle to wider uptake. In this episode, we spoke to Boris Hirmas and Rafael Vargas of Latin American crypto savings startup Bitsafve about why identity verification is key to building trust in the space.

Carl-Alain Memnon, Co-Founder and COO at Grid Technology, joins us to explore how innovative solutions are transforming compliance, fraud prevention, and risk decision-making. We discuss how forward-thinking digital leaders are leveraging automation and biometrics to navigate the complexities of an evolving regulatory landscape to avoid significant financial losses, penalties, and the reputational damage that comes with non-compliance.

In the past few years, the no-code approach to IT development has gone rapidly mainstream. We spoke to Jeremy Joly, Co-Founder and Chief Product Officer at compliance and onboarding platform spektr, about the benefits of no-code and how Veriff's solutions fit into their no-code ecosystem.

In this episode, we explore our partnership with Comun, a digital banking platform for immigrants in the U.S. Discover how Comun addressed KYC challenges by leveraging Veriff's innovative solutions to streamline identity checks, reduce fraud, and enhance customer experience. Join us for insights from Angélique Wynants, Comun's Head of Operations, on empowering communities and fostering financial inclusion through technology.
  [00:17] Introduction to digital banking and Comun
[02:31] Comun's unique value proposition
[05:09] Challenges in cross-border payments
[08:09] The role of AI in fraud prevention
[10:41] Fraud types and their impact
[12:26] Vendor selection process
[18:10] Implementation and immediate ch...

With consumers increasingly open to integrating biometrics into daily life, this episode underscores the essential role biometrics play in identity verification and fraud prevention. Chris Hooper and Geo Jolly examine how AI and facial biometrics authenticate users and combat fraud, including account takeover fraud, where unauthorized access can lead to significant financial damage. They also discuss privacy, data protection, GDPR compliance, practical tips for businesses adopting biometric technology, and much more...   [00:31] Introduction