Instant payments settle in seconds, run 24/7, and can’t be reversed once sent. That combination is rewriting how banks manage risk — and it’s the subject of our latest webinar.
Joris Lochy sat down with three Vyntra colleagues who work with financial institutions on these challenges daily: Jonathan Somers (Regional Sales Director, Middle East & Africa), Rowan Akin-Smith (Sales Director, UK & North America), and Sandy Lavorel (Head of Fraud Intelligence).
The conversation covers:
- Why speed and irrevocability change fraud economics, not fraud typologies. APP scams, impersonation, and social engineering aren’t new — AI just makes them faster and harder to spot.
- The 10-second paradox. Instant payments auto-cancel if they’re not cleared in seconds, so how do you fit human investigation into a window too short for humans?
- Why “is my system running” is the wrong question. Sandy Lavorel argues banks need to ask “are my payments actually moving” instead — and points to the 2016 Bangladesh Bank SWIFT heist as a case where transaction-level traceability could have changed the outcome.
- How risk-based tiering is replacing binary block/allow decisions — frictionless processing for low risk, micro-delays and customer confirmation for medium risk, blocks for high risk.
- The “single pane of glass” problem, as Rowan Akin-Smith puts it: real-time monitoring split across IT, network, and application teams isn’t real-time at all.
Watch the full conversation for the panel’s take on where the UK, North America, and Africa each stand on this journey, and their advice for institutions building fraud detection and payment observability by design.
Speakers
SANDY LAVOREL
Head of Fraud Intelligence at Vyntra
Sandy leads Fraud Intelligence at Vyntra, working closely with banks in a customer success capacity. This dual role lets her gather direct feedback from the market on how fraud is evolving, then use that intelligence to guide how Vyntra’s customers configure and refine their fraud defenses.
ROWAN AKIN-SMITH
Director of Sales UK & North America at Vyntra
Rowan leads Vyntra’s expansion into the UK and North American markets. He brings 10 years of experience in fintech and banking, originally in trading, now focused on the payments side of the business.
Joris Lochy
Product Manager at Vyntra
Joris Lochy leads the continuous advancement of the Vyntra Transaction Observability platform. With over two decades of experience in Financial Services, Fintech and IT, Joris specializes in Payments, Investments, and Credits. His extensive expertise in fintech and innovative banking help in expanding the capabilities of the Vyntra Transaction Observability platform.
JONATHAN SOMERS
Regional Sales Director, Middle East & Africa at Vyntra
Jonathan Somers leads the the Middle East and Africa region’s growth, and helps banks stay ahead of fraudsters. Under his leadership, sales in the region have grown fourfold, supported by Vyntra’s team based in Nairobi.
