Accertify’s Stuart Mann Discusses AI Fraud and the Rise of Cybercrime Marketplaces with Cyber Magazine

Accertify’s Director of Fraud & Account Protection Product Management Stuart Mann recently spoke with Cyber Magazine about how cybercrime marketplaces are evolving in the age of AI, and why businesses need to rethink how they approach fraud prevention.

The article explores how cybercrime has become faster, more sophisticated, and increasingly accessible as AI lowers the barrier to entry for attackers. What once required highly specialized technical skills can now be executed at scale through automated tools, synthetic identities, phishing kits, and underground marketplaces that package fraud-as-a-service (FaaS) capabilities for bad actors.

Mann explains that this shift is fundamentally changing how organizations need to think about risk. Rather than treating fraud as a single transaction problem, businesses are now confronting coordinated attacks that span identity, account access, and payments. In many cases, attackers are able to mimic legitimate customer behavior closely enough that traditional point-in-time controls are no longer sufficient.

As Stuart notes in the piece, organizations need to move toward more layered and adaptive defense strategies that continuously evaluate risk across the customer lifecycle. This includes combining behavioral analytics, machine learning, identity signals, and real-time decisioning to better distinguish legitimate customers from increasingly sophisticated fraud attempts.

The reality today that organizations must grapple with is that AI is amplifying both sides of the equation. While cybercriminals are using AI to scale attacks, businesses are increasingly relying on AI-driven analytics and automation to identify anomalies and respond faster. The challenge moving forward is determining how to stop more fraud without introducing friction that impacts customer experience or revenue growth.

This is why connected, lifecycle-based approaches to fraud prevention are becoming increasingly important. As fraud signals emerge earlier and across more touchpoints, organizations need a more complete view of identity, intent, and behavior to make confident decisions in real time.

Read the full interview in Cyber Magazine.