This week on The International Risk Podcast, Dominic Bowen speaks with Jason Costain, one of the UK’s leading fraud strategists and the founder of Javloc, a specialist consultancy in financial crime prevention.

In this deep-dive episode, they examine the accelerating threat landscape shaped by fraud, artificial intelligence, and the unintended consequences of digital innovation. From real-time payment systems and synthetic identities to the manipulation of consumer psychology and the exploitation of cryptocurrency hype, this conversation uncovers the critical vulnerabilities facing both individuals and institutions.

Jason shares hard-won insights from three decades at the forefront of fraud detection and response, including his work building and leading fraud defence teams at NatWest Group. The episode also explores how financial institutions can move beyond reactive measures by embedding biometric security, adaptive limits, and customer training into their fraud strategy — all while dismantling siloed thinking between UX, payments, and risk teams.

With real case studies and strategic foresight, this is essential listening for compliance leaders, fraud specialists, regulators, and digital banking innovators.

Jason Costain is the founder of Javloc, and previously served as Head of Fraud Strategy and Relationship Management at NatWest Group. His work has shaped fraud defense systems across the UK banking sector, with a focus on AI, scam prevention, big data, and behavioural risk.

Hosted by Dominic Bowen, The International Risk Podcast is the go-to platform for senior leaders navigating today’s volatile global environment. Dominic is the Head of Strategic Advisory at 2Secure, Europe’s leading risk management consulting firm, and has more than 20 years of frontline experience managing complex operations across conflict zones, crisis regions, and boardrooms. As a trusted advisor to multinational corporations, a university lecturer, and an internationally recognised public speaker, Dominic brings unparalleled depth to conversations on enterprise risk management, geopolitical forecasting, and strategic decision-making.