In the latest episode of Fusion Fireside, Eward sits down with Anton Jan Cozijnsen, Area Lead External Fraud at Rabobank. With nearly 28 years inside the bank, Anton Jan brings a rare blend of hands‑on experience, technical depth, and human perspective to the fight against fraud. Their conversation ranges from global criminal tactics to AI-driven prevention—and the very real emotional impact fraud has on victims.

Insights from the Fireside

Several observations stood out during the chat with Frederik:

• Fraud Is Global — and AI Is Scaling It: Anton Jan shares insights from a recent trip to India, where AI scam warnings are public and visible. Criminals worldwide now use AI to scale social‑engineering attacks massively, reaching hundreds of victims at once.
• Two Groups Are Most Targeted: Rabobank sees consistent patterns, which has led Rabobank to launch educational content, even on TikTok: 1 – Elderly customers, targeted for trust and lack of tech familiarity and 2 – Young users, who are highly tech‑savvy but low in fraud awareness.
• A Career Built for This Moment: Anton Jan’s background across IT, data science, and payments gives him a unique vantage point. He loves the role because changes to fraud models protect customers immediately – sometimes within hours.
• The Human Impact Is Real: A visit to a fraud victim still stays with Anton Jan: the anxiety, the loss of trust, the suspicion even during daily activities. Rabobank uses this story internally to remind teams that behind every data point is a real human being.
• Rising Threat: Coaching‑Based Investment Scams: A new scam begins with a paid “crypto training course,” slowly building trust before stealing funds. Victims often defend the scammer – even when Rabobank intervenes.
• New AI Model Rolling Out in 2026: Rabobank is deploying an advanced AI fraud model capable of detecting long‑term behavioural fraud patterns and spotting scams that blend into everyday transaction history. Early tests have already uncovered fraud missed by traditional systems.
  

• Collaboration Over Competition: Dutch banks collaborate closely through the NVB to share fraud patterns and detection methods—a longstanding principle that strengthens the entire financial ecosystem.

Final Thoughts

Fraud is becoming more sophisticated, more scalable, and more psychological. But through collaboration, advanced AI models, and a deep understanding of human behavior, Rabobank continues to push the boundaries of fraud prevention.

Explore previous episodes:
https://www.threatfabric.com/fusion-fireside