The Signal: The Reality Behind Platform Fraud with Jess Kirkpatrick, Worldpay | Episode 473

Episode notes

Fraud doesn’t wait for your roadmap. We sat down with Jess Kirkpatrick, VP of Risk and Fraud at Worldpay now part of Global Payments , to unpack how platforms can move beyond checkbox KYC and build a living risk program that protects growth, strengthens brand trust, and prepares for Payfac readiness. With experience spanning community banking, 17 years at PayPal, and global risk leadership, Jess brings a clear, practical lens to what proactive actually looks like. We start by challenging the biggest myth in payments: set it and forget it. Jess outlines four risk vectors (identity, intent, business model, and financial stability) and shows why continuous monitoring across all four beats a one-time screen. She explains how shared liability works in embedded payments, why payment providers still own card brand and regulatory obligations, and how true partnerships pair education, tooling, and joint governance. From there, we go deep on good friction: enhanced onboarding for higher-risk profiles, step-up checks on unusual behavior, and periodic reviews that are framed as protection, not punishment.

Related episodes across the Index

Other episodes covering the same guests and topics, from across The B2B Podcast Index.

• Trust, stablecoins, and the AI margin squeeze:What McKinsey and QED's fintech report means for banksTearsheet Podcast: Exploring Financial Services Together · on fintech89 / 100
• Finance Automation for SMEs: Moss CEO on Scaling, AI & Fintech LessonsTech Startups Germany · on Embedded payments83 / 100
• Why Vienna Could Become Europe’s Next Startup Hub. Markus Raunig | Ep. 005Hospitality x Disruption: HXD212 · on fintech81 / 100
• 6 M&As Later: What this CPO has Learned (Nichole Viviani, Chief People, Culture & Change Officer at Global Payments)The Modern People Leader: Forward-Thinking HR · on Worldpay80 / 100
• EP1012: The current trends in B2B payments for 2026IBS Intelligence Global FinTech Interviews · on payments79 / 100
• Episode 46 - from Tashkent to Termsheet with Victor OrlovskyThe GoingVC Podcast · on fintech77 / 100

• Building the Trust Layer for Payments with Noam Izhaki, CEO of Ballerine | Episode 51373 / 100
• The State of Payments: Shifts, Friction & The Road Ahead | Episode 50085 / 100
• What Would It Take For Insurers To Go Fully Digital? with Ian Drysdale, CEO of One Inc. | Episode 49974 / 100
• The Financial Connectivity Layer with Jose Bethancourt, Co-Founder & CEO of Method | Episode 49867 / 100
• Fighting Fraud with Tamas Kadar, Co-Founder & CEO of SEON | Episode 49769 / 100