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Home > DataTalk > Understanding Fraud Through Human Behavior: A Criminologist's Lens (Episode 164) #DataTalk
Podcast: DataTalk
Episode:

Understanding Fraud Through Human Behavior: A Criminologist's Lens (Episode 164) #DataTalk
Category: Business
Duration: 00:44:31
Publish Date: 2026-01-29 05:00:00
Description:

Welcome to "Fraud Frontlines," a special limited series within the DataTalk™ podcast, hosted by Kathleen Peters and dedicated to exploring the latest trends and strategies in fraud prevention.

In this episode, Kathleen Peters, Chief Innovation Officer of Experian Identity and Fraud, sits down with Dr. Nicola Harding, a criminologist, and founder of The Financial Crime Lab. Dr. Harding shares her unique insights into the human behaviors behind fraud, emphasizing the importance of understanding the lived experiences of both victims and perpetrators.

Dr. Harding discusses her journey into criminology, driven by a curiosity about why people make these choices. She highlights the need to ask "how" fraudsters operate to better prevent financial crime. Her approach combines human insight with technology, advocating for a balance that leverages both to combat fraud effectively.

The conversation also delves into the power of storytelling in fraud prevention, the role of restorative justice, and the mission of The Financial Crime Lab to turn research into actionable insights. Dr. Harding emphasizes designing fraud prevention strategies for moments of vulnerability, not just ideal scenarios.

Dr. Nicola Harding is a criminologist specializing in financial crime and fraud prevention. Her work focuses on understanding the human behaviors behind scams and designing systems that reduce harm, not just loss. Nicola was CEO of We Fight Fraud, working with banks, law enforcement and regulators at the frontline of fraud prevention. She is now the founder of The Financial Crime Lab, a not-for-profit that brings together research, lived experience and industry insight to turn evidence into action. Her mission is simple: to reduce the harm caused by financial crime, especially for those most vulnerable to exploitation.
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