# The Hidden Infrastructure Behind Modern Money Movement

Page: https://stenobird.com/podcast/fraud-forward-6896520/the-hidden-infrastructure-behind-modern-money-movement
Text version: https://stenobird.com/podcast/fraud-forward-6896520/the-hidden-infrastructure-behind-modern-money-movement.md
Podcast: [Fraud Forward](https://stenobird.com/podcast/fraud-forward-6896520)
Published: 2026-06-24T08:00:00+00:00
Episode link: https://www.sardine.ai/media/fraud-forward
Audio file: https://episodes.captivate.fm/episode/4ec80f47-3620-45b0-a0a7-751796c43ee9.mp3
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JSON: https://stenobird.com/v1/public/podcasts/fraud-forward-6896520/episodes/the-hidden-infrastructure-behind-modern-money-movement
Duration seconds: 3907

## Resource

What’s up fraud fighters, and welcome back to Fraud Forward: Y’all, this episode is one of those conversations where I found myself taking notes while we were recording. Matt Janiga from Modern Treasury joined me to talk about hidden fraud infrastructure . We talk all the time about faster payments, one API, better vendor tooling, AI agents, global money movement, and payment modernization. But underneath all of that is a much more complicated reality. There are payment rails, reversibility rules, KYC requirements, digital fingerprints, transaction monitoring decisions, consortium data, fraud operations workflows, and infrastructure choices that determine what fraud teams can actually see and stop. And here is the thing: fraud does not live in silos, and neither does the infrastructure that moves money. Matt has worked across regulation, fintech infrastructure, compliance, payments, and risk, with experience touching Dodd-Frank, Square, Stripe, Lithic, and now Modern Treasury. So this conversation gives us a really practical look at how the industry moved from the pre-vendor world, where teams were basically building fraud and compliance tools from scratch, into a world where specialized partners, orchestration layers, and agentic AI are changing what fraud teams can do. For my credit union and community bank folks especially, this matters because you do not have to build everything alone anymore. A rising tide lifts all boats, and the more we understand the hidden fraud infrastructure behind modern payments, the better we can ask questions, pressure test controls, and protect the people we serve. What you’ll hear in this episode: How Dodd-Frank and post-crisis regulation helped shape the fintech ecosystem we know today Why banks stepping away from certain customer nee…

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## Transcript

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