Rivi Varghese in conversation with IBS Intelligence
Fraud mutates daily and often faster than banks can respond. In an insightful podcast with Robin Amlôt, Managing Editor at IBS Intelligence, Clari5 CEO Rivi Varghese explains why static, rules-based defenses fall short and why banks need a Living Anti-Fraud Operating System (OS) at the core of their strategy.
Rivi highlights how AI-driven fraudsters can evolve attack patterns in hours, leaving traditional, static defenses ineffective. He introduces the concept of a “living” anti-fraud OS, an intelligent, adaptive system that learns, evolves, and grows stronger with every new threat by harnessing collective intelligence across the banking ecosystem.
Key Takeaways
- Fraud is a living problem. Dead tools cannot stop it.
- Collective immunity matters. One bank’s detection can protect all.
- Trust is the ultimate differentiator. Security and seamlessness must go together.
- Investigators are empowered, not replaced. Living systems free experts to focus on complex fraud.
- Boardroom priority. In the era of instant payments and AI-powered fraud, trust infrastructure must anchor digital banking.
Listen to the full podcast on