In this Analysis, we examine why explainability, not just accuracy, has become the new standard for AI in fraud and AML, as regulators demand clear, defensible decision-making from financial institutions.

This episode explores:

• Why “the model said so” is no longer an acceptable answer under regulatory scrutiny

• The difference between transparency and true explainability—and why it matters in audits

• The four capabilities that turn AI from a black box into a defensible control

Read the full analysis and related research:

https://www.datavisor.com/blog/regulatory-expectations-around-explainable-ai

Chapters:

00:00 The AI Paradox

02:08 From Rules to Black Boxes

04:16 Legal Risk: Adverse Action & Bias

06:08 Transparency vs. Explainability

08:38 The 4 Requirements of Defensible AI

14:05 Building AI You Can Defend

In this February Monthly Brief, we break down what Nacha’s latest guidance signals for fraud and compliance teams—and why proactive detection is quickly becoming the new baseline.

From evolving ACH risk expectations to the rise of coordinated fraud and AI-enabled attacks, this episode explores what’s changing across the payments ecosystem and what financial institutions should be prioritizing right now. We cover how modern fraud programs are moving upstream, shifting from reactive investigations to real-time detection, and why flexibility across data, models, and workflows matters more than ever.

Listen in for practical takeaways on:

• What Nacha’s updates mean for banks, credit unions, and fintechs
• Why waiting for losses or claims is no longer viable
• How proactive detection helps surface hidden networks earlier
• What leaders should evaluate in their fraud and AML stack this year

Transcript: https://www.datavisor.com/defend-podcast

Nacha’s 2026 Operating Rules: A Simple Guide to Mastering Compliance: https://www.datavisor.com/blog/nachas-2026-operating-rules-a-simple-guide-to-mastering-compliance

Case Study: https://www.datavisor.com/the-case-study/stopping-emerging-bnpl-fraud-rings-in-real-time

How Macro Volatility Is Driving a Shift to Flexible Fraud & AML Platforms: https://www.datavisor.com/blog/how-macro-volatility-is-driving-a-shift-to-flexible-fraud-aml-platforms

Regulatory Expectations Around Explainable AI: https://www.datavisor.com/blog/regulatory-expectations-around-explainable-ai

DEFEND Training: ⁠https://www.datavisor.com/defend-training

Chapters

00:00 Welcome & Introduction: The Proactive Era

02:04 The Nacha Countdown

05:14 Europe’s Compliance Crackdown

06:46 Stablecoins and Money Laundering Takedown

8:02 BNPL Uses UML to Block Fraud Rings

11:45 The AI Readiness Gap and Agility Debt

In this episode of What the F Happened? Fraud and Financial Crime, Deconstructed, we go beneath the hype to examine the real plumbing of the future financial system: stablecoins.

While Bitcoin grabs headlines, stablecoins now move over $300B globally — acting as the bridge between traditional banking and Web3. We break down what stablecoins actually are, why they’ve grown so fast, and how they’re reshaping payments, compliance, and financial crime.

You’ll learn:

• How stablecoins enable “digital cash” — and why stability is often just a promise

• What the Terra Luna collapse teaches us about algorithmic risk

• How new regulation like the GENIUS Act aims to bring order to crypto

• The tactics criminals use today: mixers, no-KYC exchanges, and affinity fraud

• Why the fiat-to-crypto on-ramp is the most critical choke point for stopping fraud

• How modern fraud defense relies on behavioral signals, device intelligence, and real-time decisioning

We close with a bigger question: can a financial system ever be both perfectly private and truly safe?

If you work in fraud, AML, payments, or fintech — this is your practical guide to where stablecoins are headed, and where risk teams need to focus next.

LINKS

Transcript:https://www.datavisor.com/defend-podcast

Watch the original webinar: https://www.datavisor.com/intelligence-center/webinars/defend-webinar-stablecoins-and-blockchain-regulation-fraud-risk-and-decentralization

DEFEND Training: https://www.datavisor.com/defend-training

00:00 Welcome & why stablecoins matter

03:51 What stablecoins actually are

05:29 Terra Luna the $50B warning

07:59 Regulation enters the chat - Genius Act

10:03 Mixers no KYC and laundering

12:12 Affinity fraud explained

13:37 The on-ramp choke point

18:08 The future of privacy vs safety