{"version":"1.0.0","segments":[{"speaker":"mnemonic","startTime":4.019,"endTime":7.679,"body":"From our headquarters"},{"speaker":"mnemonic","startTime":4.019,"endTime":7.679,"body":"in Oslo, Norway, and on behalf"},{"speaker":"mnemonic","startTime":7.679,"endTime":12.869,"body":"of our host Robby Peralta -"},{"speaker":"mnemonic","startTime":7.679,"endTime":12.869,"body":"welcome to the mnemonic security"},{"speaker":"mnemonic","startTime":12.869,"endTime":13.739,"body":"podcast."},{"speaker":"Robby Peralta","startTime":15.16,"endTime":18.49,"body":"Think of the word"},{"speaker":"Robby Peralta","startTime":15.16,"endTime":18.49,"body":"mafia or cartel, what sort of"},{"speaker":"Robby Peralta","startTime":18.49,"endTime":22.09,"body":"picture comes to mind? I think"},{"speaker":"Robby Peralta","startTime":18.49,"endTime":22.09,"body":"of a hacker, try to imagine"},{"speaker":"Robby Peralta","startTime":22.09,"endTime":24.85,"body":"those two groups in the same"},{"speaker":"Robby Peralta","startTime":22.09,"endTime":24.85,"body":"team. Working with a common goal"},{"speaker":"Robby Peralta","startTime":25.45,"endTime":29.17,"body":"kind of makes you want to change"},{"speaker":"Robby Peralta","startTime":25.45,"endTime":29.17,"body":"a password, right? And 2021"},{"speaker":"Robby Peralta","startTime":29.17,"endTime":32.44,"body":"cybercrime is expected to cost"},{"speaker":"Robby Peralta","startTime":29.17,"endTime":32.44,"body":"the world $6 trillion a year,"},{"speaker":"Robby Peralta","startTime":32.65,"endTime":35.59,"body":"making it more profitable than"},{"speaker":"Robby Peralta","startTime":32.65,"endTime":35.59,"body":"the global illegal drug trade."},{"speaker":"Robby Peralta","startTime":36.37,"endTime":38.59,"body":"Now, I won't echo the fact that"},{"speaker":"Robby Peralta","startTime":36.37,"endTime":38.59,"body":"we are no longer dealing with"},{"speaker":"Robby Peralta","startTime":38.59,"endTime":41.68,"body":"script kiddies in their hoodies."},{"speaker":"Robby Peralta","startTime":38.59,"endTime":41.68,"body":"But as this episode's guest will"},{"speaker":"Robby Peralta","startTime":41.68,"endTime":45.16,"body":"confirm, we are now up against a"},{"speaker":"Robby Peralta","startTime":41.68,"endTime":45.16,"body":"very organized type of crime."},{"speaker":"Robby Peralta","startTime":46.21,"endTime":49.03,"body":"Sebastian Takle. Welcome to the"},{"speaker":"Robby Peralta","startTime":46.21,"endTime":49.03,"body":"podcast."},{"speaker":"Sebastian Takle","startTime":49.92,"endTime":51.18,"body":"Thank you very"},{"speaker":"Sebastian Takle","startTime":49.92,"endTime":51.18,"body":"much. Thanks for having me."},{"speaker":"Robby Peralta","startTime":51.3,"endTime":54.12,"body":"Or should I say"},{"speaker":"Robby Peralta","startTime":51.3,"endTime":54.12,"body":"Vloggcast? We're having identity"},{"speaker":"Robby Peralta","startTime":54.12,"endTime":57.0,"body":"crisis with this podcast of"},{"speaker":"Robby Peralta","startTime":54.12,"endTime":57.0,"body":"ours. But you're at least the"},{"speaker":"Robby Peralta","startTime":57.0,"endTime":61.08,"body":"pilot of the identity crisis"},{"speaker":"Robby Peralta","startTime":57.0,"endTime":61.08,"body":"today. So it's only downhill"},{"speaker":"Robby Peralta","startTime":61.08,"endTime":61.5,"body":"from here."},{"speaker":"Sebastian Takle","startTime":61.53,"endTime":62.88,"body":"It's always"},{"speaker":"Sebastian Takle","startTime":61.53,"endTime":62.88,"body":"good to be the test subject."},{"speaker":"Robby Peralta","startTime":65.159,"endTime":67.079,"body":"So Sebastian,"},{"speaker":"Robby Peralta","startTime":65.159,"endTime":67.079,"body":"tell us about yourself."},{"speaker":"Sebastian Takle","startTime":68.02,"endTime":72.46,"body":"So I work at"},{"speaker":"Sebastian Takle","startTime":68.02,"endTime":72.46,"body":"what is called the DNB financial"},{"speaker":"Sebastian Takle","startTime":72.46,"endTime":75.97,"body":"cybercrime center. So the DNB is"},{"speaker":"Sebastian Takle","startTime":72.46,"endTime":75.97,"body":"one of the largest banks in the"},{"speaker":"Sebastian Takle","startTime":75.97,"endTime":80.92,"body":"Nordics and their financial"},{"speaker":"Sebastian Takle","startTime":75.97,"endTime":80.92,"body":"cybercrime center, our FC3 as we"},{"speaker":"Sebastian Takle","startTime":80.92,"endTime":84.13,"body":"call it is basically for all"},{"speaker":"Sebastian Takle","startTime":80.92,"endTime":84.13,"body":"intents and purposes, their"},{"speaker":"Sebastian Takle","startTime":84.13,"endTime":88.6,"body":"counter fraud unit. So DNB is"},{"speaker":"Sebastian Takle","startTime":84.13,"endTime":88.6,"body":"present in something like 19"},{"speaker":"Sebastian Takle","startTime":88.6,"endTime":92.2,"body":"countries. And we have the"},{"speaker":"Sebastian Takle","startTime":88.6,"endTime":92.2,"body":"global responsibility for the"},{"speaker":"Sebastian Takle","startTime":92.2,"endTime":94.45,"body":"counter fraud work working"},{"speaker":"Sebastian Takle","startTime":92.2,"endTime":94.45,"body":"everything from sort of"},{"speaker":"Sebastian Takle","startTime":94.54,"endTime":97.87,"body":"awareness training and"},{"speaker":"Sebastian Takle","startTime":94.54,"endTime":97.87,"body":"prevention and all the way to"},{"speaker":"Sebastian Takle","startTime":97.87,"endTime":100.57,"body":"you know, monitoring"},{"speaker":"Sebastian Takle","startTime":97.87,"endTime":100.57,"body":"transactions, stopping them and"},{"speaker":"Sebastian Takle","startTime":100.57,"endTime":103.6,"body":"and communicating with with"},{"speaker":"Sebastian Takle","startTime":100.57,"endTime":103.6,"body":"customers. So we have the sort"},{"speaker":"Sebastian Takle","startTime":103.6,"endTime":107.05,"body":"of full spectrum of counter"},{"speaker":"Sebastian Takle","startTime":103.6,"endTime":107.05,"body":"fraud work. Awesome. So yeah,"},{"speaker":"Sebastian Takle","startTime":107.08,"endTime":110.98,"body":"within that, within that sort of"},{"speaker":"Sebastian Takle","startTime":107.08,"endTime":110.98,"body":"dynamic, my role is I'm subject"},{"speaker":"Sebastian Takle","startTime":110.98,"endTime":114.28,"body":"lead for threat intelligence. So"},{"speaker":"Sebastian Takle","startTime":110.98,"endTime":114.28,"body":"basically, what I do is I"},{"speaker":"Sebastian Takle","startTime":114.67,"endTime":120.07,"body":"identify, map, what is usually"},{"speaker":"Sebastian Takle","startTime":114.67,"endTime":120.07,"body":"organized criminal groups, I'll"},{"speaker":"Sebastian Takle","startTime":120.07,"endTime":123.43,"body":"probably talk more about that"},{"speaker":"Sebastian Takle","startTime":120.07,"endTime":123.43,"body":"later, but identify and map"},{"speaker":"Sebastian Takle","startTime":123.43,"endTime":126.55,"body":"organized criminal groups, and"},{"speaker":"Sebastian Takle","startTime":123.43,"endTime":126.55,"body":"then I sort of assess To what"},{"speaker":"Sebastian Takle","startTime":126.55,"endTime":130.96,"body":"degree they pose a threat to"},{"speaker":"Sebastian Takle","startTime":126.55,"endTime":130.96,"body":"either DNB as a group or our"},{"speaker":"Sebastian Takle","startTime":130.96,"endTime":131.65,"body":"customers."},{"speaker":"Robby Peralta","startTime":131.77,"endTime":133.99,"body":"Awesome. That"},{"speaker":"Robby Peralta","startTime":131.77,"endTime":133.99,"body":"sounds so cool, it's so cool to"},{"speaker":"Sebastian Takle","startTime":133.41,"endTime":135.99,"body":"Yeah I have a"},{"speaker":"Sebastian Takle","startTime":133.41,"endTime":135.99,"body":"very exciting job, or at least"},{"speaker":"Sebastian Takle","startTime":133.99,"endTime":134.35,"body":"have you here"},{"speaker":"Sebastian Takle","startTime":135.99,"endTime":137.46,"body":"I'm fortunate enough to think so"},{"speaker":"Sebastian Takle","startTime":135.99,"endTime":137.46,"body":"myself."},{"speaker":"Robby Peralta","startTime":139.42,"endTime":141.04,"body":"So tell us a"},{"speaker":"Robby Peralta","startTime":139.42,"endTime":141.04,"body":"little bit more at this"},{"speaker":"Robby Peralta","startTime":141.25,"endTime":143.29,"body":"financial crime center, how many"},{"speaker":"Robby Peralta","startTime":141.25,"endTime":143.29,"body":"people are in there."},{"speaker":"Sebastian Takle","startTime":143.38,"endTime":146.98,"body":"So we're about"},{"speaker":"Sebastian Takle","startTime":143.38,"endTime":146.98,"body":"13 people at the moment, and"},{"speaker":"Sebastian Takle","startTime":146.98,"endTime":149.56,"body":"it's a very sort of"},{"speaker":"Sebastian Takle","startTime":146.98,"endTime":149.56,"body":"interdisciplinary group. So"},{"speaker":"Sebastian Takle","startTime":149.56,"endTime":151.93,"body":"you've got everything from"},{"speaker":"Sebastian Takle","startTime":149.56,"endTime":151.93,"body":"obviously, we have a lot of"},{"speaker":"Sebastian Takle","startTime":151.93,"endTime":155.29,"body":"highly technical people, doing"},{"speaker":"Sebastian Takle","startTime":151.93,"endTime":155.29,"body":"things like writing our own"},{"speaker":"Sebastian Takle","startTime":155.29,"endTime":157.96,"body":"rules, and the systems and"},{"speaker":"Sebastian Takle","startTime":155.29,"endTime":157.96,"body":"transaction monitoring and"},{"speaker":"Sebastian Takle","startTime":157.96,"endTime":160.57,"body":"stopping transactions and"},{"speaker":"Sebastian Takle","startTime":157.96,"endTime":160.57,"body":"automating whatever can be"},{"speaker":"Sebastian Takle","startTime":160.57,"endTime":163.96,"body":"automated. So there's an awful"},{"speaker":"Sebastian Takle","startTime":160.57,"endTime":163.96,"body":"lot going on, on the technical"},{"speaker":"Sebastian Takle","startTime":163.96,"endTime":167.23,"body":"side. And then on the absolute"},{"speaker":"Sebastian Takle","startTime":163.96,"endTime":167.23,"body":"opposite side of that, you'll"},{"speaker":"Sebastian Takle","startTime":167.23,"endTime":171.19,"body":"find me with approximately zero"},{"speaker":"Sebastian Takle","startTime":167.23,"endTime":171.19,"body":"technical skills, but hopefully"},{"speaker":"Sebastian Takle","startTime":171.19,"endTime":174.25,"body":"a different skill set I can"},{"speaker":"Sebastian Takle","startTime":171.19,"endTime":174.25,"body":"bring to the team. So I think"},{"speaker":"Sebastian Takle","startTime":174.25,"endTime":178.36,"body":"that's one of our strengths is,"},{"speaker":"Sebastian Takle","startTime":174.25,"endTime":178.36,"body":"is being able to, to value"},{"speaker":"Sebastian Takle","startTime":178.36,"endTime":180.82,"body":"different aspects, you know, not"},{"speaker":"Sebastian Takle","startTime":178.36,"endTime":180.82,"body":"everyone needs to be the"},{"speaker":"Sebastian Takle","startTime":180.82,"endTime":184.3,"body":"technical guy or girl we can, we"},{"speaker":"Sebastian Takle","startTime":180.82,"endTime":184.3,"body":"can have different strengths. So"},{"speaker":"Sebastian Takle","startTime":184.3,"endTime":188.11,"body":"that's sort of the role there."},{"speaker":"Sebastian Takle","startTime":184.3,"endTime":188.11,"body":"And my job sort of becomes to,"},{"speaker":"Sebastian Takle","startTime":188.47,"endTime":194.44,"body":"to feed FC3 with with was"},{"speaker":"Sebastian Takle","startTime":188.47,"endTime":194.44,"body":"basically intelligence. I"},{"speaker":"Sebastian Takle","startTime":194.44,"endTime":197.2,"body":"suppose I should take a little"},{"speaker":"Sebastian Takle","startTime":194.44,"endTime":197.2,"body":"step back at some point and make"},{"speaker":"Sebastian Takle","startTime":197.2,"endTime":199.78,"body":"it clear that actually,"},{"speaker":"Sebastian Takle","startTime":197.2,"endTime":199.78,"body":"obviously finds a lot of its"},{"speaker":"Sebastian Takle","startTime":199.78,"endTime":202.12,"body":"intelligence, and, you know,"},{"speaker":"Sebastian Takle","startTime":199.78,"endTime":202.12,"body":"they find it themselves. They're"},{"speaker":"Sebastian Takle","startTime":202.12,"endTime":205.06,"body":"extremely competent people who,"},{"speaker":"Sebastian Takle","startTime":202.12,"endTime":205.06,"body":"who know what they're doing,"},{"speaker":"Sebastian Takle","startTime":205.06,"endTime":208.51,"body":"and, and, you know, an awful lot"},{"speaker":"Sebastian Takle","startTime":205.06,"endTime":208.51,"body":"of the information we gather,"},{"speaker":"Sebastian Takle","startTime":208.54,"endTime":211.69,"body":"and the information we gather"},{"speaker":"Sebastian Takle","startTime":208.54,"endTime":211.69,"body":"about threat actors and how they"},{"speaker":"Sebastian Takle","startTime":211.69,"endTime":214.39,"body":"work and what they're doing and"},{"speaker":"Sebastian Takle","startTime":211.69,"endTime":214.39,"body":"who they're targeting. This is"},{"speaker":"Sebastian Takle","startTime":214.39,"endTime":217.75,"body":"coming directly out of FC3 with"},{"speaker":"Sebastian Takle","startTime":214.39,"endTime":217.75,"body":"no interference from me,"},{"speaker":"Sebastian Takle","startTime":217.75,"endTime":220.21,"body":"obviously, it's, they're more"},{"speaker":"Sebastian Takle","startTime":217.75,"endTime":220.21,"body":"than capable enough to do that"},{"speaker":"Sebastian Takle","startTime":220.21,"endTime":223.81,"body":"themselves. But my job sort of"},{"speaker":"Sebastian Takle","startTime":220.21,"endTime":223.81,"body":"becomes to tie it all together"},{"speaker":"Sebastian Takle","startTime":223.81,"endTime":227.77,"body":"and have the slightly larger"},{"speaker":"Sebastian Takle","startTime":223.81,"endTime":227.77,"body":"picture on not necessarily just"},{"speaker":"Sebastian Takle","startTime":227.77,"endTime":229.93,"body":"what's happening now. But what"},{"speaker":"Sebastian Takle","startTime":227.77,"endTime":229.93,"body":"will happen in the future?"},{"speaker":"Sebastian Takle","startTime":230.59,"endTime":231.07,"body":"Awesome."},{"speaker":"Robby Peralta","startTime":231.46,"endTime":233.71,"body":"Maybe a stupid"},{"speaker":"Robby Peralta","startTime":231.46,"endTime":233.71,"body":"question. But why does the bank"},{"speaker":"Robby Peralta","startTime":233.71,"endTime":235.3,"body":"need a financial crime center?"},{"speaker":"Sebastian Takle","startTime":235.48,"endTime":237.91,"body":"Well, it's"},{"speaker":"Sebastian Takle","startTime":235.48,"endTime":237.91,"body":"actually a very good question. I"},{"speaker":"Sebastian Takle","startTime":237.91,"endTime":240.7,"body":"think it's important that I make"},{"speaker":"Sebastian Takle","startTime":237.91,"endTime":240.7,"body":"a little distinction here that"},{"speaker":"Sebastian Takle","startTime":240.7,"endTime":242.98,"body":"you know, where our where the"},{"speaker":"Sebastian Takle","startTime":240.7,"endTime":242.98,"body":"sort of counter fraud unit and"},{"speaker":"Sebastian Takle","startTime":242.98,"endTime":247.3,"body":"that means that we don't handle"},{"speaker":"Sebastian Takle","startTime":242.98,"endTime":247.3,"body":"the anti money laundering work,"},{"speaker":"Sebastian Takle","startTime":247.3,"endTime":249.82,"body":"you know, there are lots of"},{"speaker":"Sebastian Takle","startTime":247.3,"endTime":249.82,"body":"people in in a large financial"},{"speaker":"Sebastian Takle","startTime":249.82,"endTime":254.56,"body":"institution like DNB who handle"},{"speaker":"Sebastian Takle","startTime":249.82,"endTime":254.56,"body":"AML work as it's known, and you"},{"speaker":"Sebastian Takle","startTime":254.56,"endTime":258.22,"body":"know, an awful lot of resources"},{"speaker":"Sebastian Takle","startTime":254.56,"endTime":258.22,"body":"very, very competent people."},{"speaker":"Sebastian Takle","startTime":258.7,"endTime":261.97,"body":"That's not what we do. So we"},{"speaker":"Sebastian Takle","startTime":258.7,"endTime":261.97,"body":"sort of handle what I call the"},{"speaker":"Sebastian Takle","startTime":261.97,"endTime":265.06,"body":"sort of primary crime where"},{"speaker":"Sebastian Takle","startTime":261.97,"endTime":265.06,"body":"where someone is defrauded in"},{"speaker":"Sebastian Takle","startTime":265.06,"endTime":269.59,"body":"the sort of first instance. So"},{"speaker":"Sebastian Takle","startTime":265.06,"endTime":269.59,"body":"if you were to defraud me that's"},{"speaker":"Sebastian Takle","startTime":269.59,"endTime":272.95,"body":"where hopefully a cybercrime"},{"speaker":"Sebastian Takle","startTime":269.59,"endTime":272.95,"body":"center would come in and and and"},{"speaker":"Sebastian Takle","startTime":272.95,"endTime":275.8,"body":"stop that. If you were"},{"speaker":"Sebastian Takle","startTime":272.95,"endTime":275.8,"body":"successful in defrauding the end"},{"speaker":"Sebastian Takle","startTime":275.8,"endTime":278.98,"body":"decided to launder the money."},{"speaker":"Sebastian Takle","startTime":275.8,"endTime":278.98,"body":"That's when a sort of anti money"},{"speaker":"Sebastian Takle","startTime":278.98,"endTime":282.28,"body":"laundering team would hopefully"},{"speaker":"Sebastian Takle","startTime":278.98,"endTime":282.28,"body":"pick up on it. So So therefore,"},{"speaker":"Sebastian Takle","startTime":282.28,"endTime":285.43,"body":"we're we're quite early in when"},{"speaker":"Sebastian Takle","startTime":282.28,"endTime":285.43,"body":"we're looking at what's going on"},{"speaker":"Sebastian Takle","startTime":285.43,"endTime":289.09,"body":"and we're able to prevent a lot"},{"speaker":"Sebastian Takle","startTime":285.43,"endTime":289.09,"body":"of transactions from going as"},{"speaker":"Sebastian Takle","startTime":289.09,"endTime":292.87,"body":"opposed to just being being"},{"speaker":"Sebastian Takle","startTime":289.09,"endTime":292.87,"body":"reactive to what's happened."},{"speaker":"Sebastian Takle","startTime":293.38,"endTime":293.77,"body":"Cool."},{"speaker":"Robby Peralta","startTime":294.08,"endTime":296.42,"body":"What do you"},{"speaker":"Robby Peralta","startTime":294.08,"endTime":296.42,"body":"really have to react most to?"},{"speaker":"Robby Peralta","startTime":297.74,"endTime":298.49,"body":"You mentioned fraud."},{"speaker":"Sebastian Takle","startTime":298.57,"endTime":302.47,"body":"Yeah. There are"},{"speaker":"Sebastian Takle","startTime":298.57,"endTime":302.47,"body":"several things going on in that"},{"speaker":"Sebastian Takle","startTime":302.47,"endTime":305.29,"body":"landscape. But once we I mean,"},{"speaker":"Sebastian Takle","startTime":302.47,"endTime":305.29,"body":"we, we spend an awful lot of"},{"speaker":"Sebastian Takle","startTime":305.29,"endTime":307.99,"body":"time looking at sort of private"},{"speaker":"Sebastian Takle","startTime":305.29,"endTime":307.99,"body":"customers, you and me at home in"},{"speaker":"Sebastian Takle","startTime":307.99,"endTime":311.47,"body":"the evening. And then there's a"},{"speaker":"Sebastian Takle","startTime":307.99,"endTime":311.47,"body":"lot of things like love scams,"},{"speaker":"Sebastian Takle","startTime":311.5,"endTime":316.15,"body":"investment fraud, you know, that"},{"speaker":"Sebastian Takle","startTime":311.5,"endTime":316.15,"body":"type of that type of thing going"},{"speaker":"Sebastian Takle","startTime":316.15,"endTime":319.33,"body":"on, obviously, as looking at the"},{"speaker":"Sebastian Takle","startTime":316.15,"endTime":319.33,"body":"tools, there's not a lot of"},{"speaker":"Sebastian Takle","startTime":319.33,"endTime":321.52,"body":"phishing emails going around,"},{"speaker":"Sebastian Takle","startTime":319.33,"endTime":321.52,"body":"and things like this, that"},{"speaker":"Sebastian Takle","startTime":321.52,"endTime":324.43,"body":"people have to be aware of. And"},{"speaker":"Sebastian Takle","startTime":321.52,"endTime":324.43,"body":"then on the business side of"},{"speaker":"Sebastian Takle","startTime":324.43,"endTime":327.13,"body":"things, I think, you know, the"},{"speaker":"Sebastian Takle","startTime":324.43,"endTime":327.13,"body":"one thing we always need to"},{"speaker":"Sebastian Takle","startTime":327.13,"endTime":330.85,"body":"mention is the business email"},{"speaker":"Sebastian Takle","startTime":327.13,"endTime":330.85,"body":"compromised aspect where, where"},{"speaker":"Sebastian Takle","startTime":330.85,"endTime":333.16,"body":"they can be, you know, companies"},{"speaker":"Sebastian Takle","startTime":330.85,"endTime":333.16,"body":"can really lose a lot of money."},{"speaker":"Sebastian Takle","startTime":333.16,"endTime":335.56,"body":"I mean, there are, there are"},{"speaker":"Sebastian Takle","startTime":333.16,"endTime":335.56,"body":"hundreds of millions at stake in"},{"speaker":"Sebastian Takle","startTime":335.56,"endTime":339.61,"body":"those, those frauds. So that's"},{"speaker":"Sebastian Takle","startTime":335.56,"endTime":339.61,"body":"sort of the two main aspects the"},{"speaker":"Sebastian Takle","startTime":339.61,"endTime":342.97,"body":"company side and, and the sort"},{"speaker":"Sebastian Takle","startTime":339.61,"endTime":342.97,"body":"of private customer side of"},{"speaker":"Sebastian Takle","startTime":342.97,"endTime":346.0,"body":"things. And they're both equally"},{"speaker":"Sebastian Takle","startTime":342.97,"endTime":346.0,"body":"important. And they're both"},{"speaker":"Sebastian Takle","startTime":346.0,"endTime":349.72,"body":"equally, they sort of take you"},{"speaker":"Sebastian Takle","startTime":346.0,"endTime":349.72,"body":"out as much of both things take"},{"speaker":"Sebastian Takle","startTime":349.72,"endTime":352.99,"body":"about as much of our time, to be"},{"speaker":"Sebastian Takle","startTime":349.72,"endTime":352.99,"body":"honest, some things are"},{"speaker":"Sebastian Takle","startTime":352.99,"endTime":356.32,"body":"obviously easier to detect than"},{"speaker":"Sebastian Takle","startTime":352.99,"endTime":356.32,"body":"others, but, but that's just"},{"speaker":"Sebastian Takle","startTime":356.32,"endTime":358.99,"body":"always gonna be the case. And"},{"speaker":"Sebastian Takle","startTime":356.32,"endTime":358.99,"body":"then obviously, we handle fraud"},{"speaker":"Sebastian Takle","startTime":358.99,"endTime":362.02,"body":"against DNB as well, you know,"},{"speaker":"Sebastian Takle","startTime":358.99,"endTime":362.02,"body":"so that'll be things like loan"},{"speaker":"Sebastian Takle","startTime":362.02,"endTime":364.81,"body":"fraud and carry credit card"},{"speaker":"Sebastian Takle","startTime":362.02,"endTime":364.81,"body":"fraud and things like that not"},{"speaker":"Sebastian Takle","startTime":364.81,"endTime":367.78,"body":"all of those things necessarily"},{"speaker":"Sebastian Takle","startTime":364.81,"endTime":367.78,"body":"fall within our scope, but quite"},{"speaker":"Sebastian Takle","startTime":367.78,"endTime":372.52,"body":"a few of them, quite a few of"},{"speaker":"Sebastian Takle","startTime":367.78,"endTime":372.52,"body":"them, we'll deal with. Yeah,"},{"speaker":"Sebastian Takle","startTime":372.55,"endTime":375.7,"body":"that's, that's it. And to make"},{"speaker":"Sebastian Takle","startTime":372.55,"endTime":375.7,"body":"it more complicated, in addition"},{"speaker":"Sebastian Takle","startTime":375.7,"endTime":381.7,"body":"to, to being sort of, I sort of"},{"speaker":"Sebastian Takle","startTime":375.7,"endTime":381.7,"body":"wear two hats in, in this"},{"speaker":"Sebastian Takle","startTime":381.7,"endTime":384.67,"body":"organization. So on the one"},{"speaker":"Sebastian Takle","startTime":381.7,"endTime":384.67,"body":"side, my primary role is to feed"},{"speaker":"Sebastian Takle","startTime":385.27,"endTime":388.06,"body":"the financial cybercrime center"},{"speaker":"Sebastian Takle","startTime":385.27,"endTime":388.06,"body":"with with actionable"},{"speaker":"Sebastian Takle","startTime":388.06,"endTime":390.91,"body":"intelligence. But then on the"},{"speaker":"Sebastian Takle","startTime":388.06,"endTime":390.91,"body":"other side of things, I sit in"},{"speaker":"Sebastian Takle","startTime":390.91,"endTime":396.4,"body":"what's known as DNBs threat"},{"speaker":"Sebastian Takle","startTime":390.91,"endTime":396.4,"body":"intelligence group, or TIG which"},{"speaker":"Sebastian Takle","startTime":396.4,"endTime":399.82,"body":"looks at the threat, the full"},{"speaker":"Sebastian Takle","startTime":396.4,"endTime":399.82,"body":"threat picture facing the end."},{"speaker":"Sebastian Takle","startTime":399.82,"endTime":403.45,"body":"So they will handle everything"},{"speaker":"Sebastian Takle","startTime":399.82,"endTime":403.45,"body":"from, you know, the threat of,"},{"speaker":"Sebastian Takle","startTime":403.48,"endTime":405.88,"body":"you know, what's the threat of"},{"speaker":"Sebastian Takle","startTime":403.48,"endTime":405.88,"body":"terrorism, you know, physical"},{"speaker":"Sebastian Takle","startTime":405.88,"endTime":409.45,"body":"robberies, things like that. And"},{"speaker":"Sebastian Takle","startTime":405.88,"endTime":409.45,"body":"then in another corner, you have"},{"speaker":"Sebastian Takle","startTime":409.45,"endTime":412.57,"body":"the whole sort of cyber defense"},{"speaker":"Sebastian Takle","startTime":409.45,"endTime":412.57,"body":"aspect where things get very"},{"speaker":"Sebastian Takle","startTime":412.57,"endTime":416.41,"body":"technical, and if you guys know,"},{"speaker":"Sebastian Takle","startTime":412.57,"endTime":416.41,"body":"an awful lot of stuff. And then"},{"speaker":"Sebastian Takle","startTime":416.62,"endTime":419.83,"body":"in the third corner, you have me"},{"speaker":"Sebastian Takle","startTime":416.62,"endTime":419.83,"body":"with the sort of financial crime"},{"speaker":"Sebastian Takle","startTime":419.83,"endTime":423.67,"body":"aspect. So I think, tickets,"},{"speaker":"Sebastian Takle","startTime":419.83,"endTime":423.67,"body":"again, one of the DNBs"},{"speaker":"Sebastian Takle","startTime":423.67,"endTime":426.19,"body":"strengths, when it comes to"},{"speaker":"Sebastian Takle","startTime":423.67,"endTime":426.19,"body":"threat intelligence, we have a"},{"speaker":"Sebastian Takle","startTime":426.19,"endTime":429.55,"body":"few sort of regular products we"},{"speaker":"Sebastian Takle","startTime":426.19,"endTime":429.55,"body":"push out, then we have our"},{"speaker":"Sebastian Takle","startTime":429.55,"endTime":434.17,"body":"annual threat assessment, which"},{"speaker":"Sebastian Takle","startTime":429.55,"endTime":434.17,"body":"for the first time this year, we"},{"speaker":"Sebastian Takle","startTime":434.17,"endTime":437.44,"body":"published publicly, so you know,"},{"speaker":"Sebastian Takle","startTime":434.17,"endTime":437.44,"body":"anyone can have a look at that,"},{"speaker":"Sebastian Takle","startTime":437.44,"endTime":440.71,"body":"if you want to get a feel for,"},{"speaker":"Sebastian Takle","startTime":437.44,"endTime":440.71,"body":"for how we work, and what we do,"},{"speaker":"Sebastian Takle","startTime":440.89,"endTime":443.14,"body":"then we obviously do quarterly"},{"speaker":"Sebastian Takle","startTime":440.89,"endTime":443.14,"body":"threat assessments that are"},{"speaker":"Sebastian Takle","startTime":443.14,"endTime":447.64,"body":"internal, we do assessments on,"},{"speaker":"Sebastian Takle","startTime":443.14,"endTime":447.64,"body":"you know, incidents or things"},{"speaker":"Sebastian Takle","startTime":447.64,"endTime":451.9,"body":"that sort of crop up internally,"},{"speaker":"Sebastian Takle","startTime":447.64,"endTime":451.9,"body":"so, but being able to have that"},{"speaker":"Sebastian Takle","startTime":452.74,"endTime":456.79,"body":"those several different"},{"speaker":"Sebastian Takle","startTime":452.74,"endTime":456.79,"body":"disciplines, being able to"},{"speaker":"Sebastian Takle","startTime":456.79,"endTime":461.29,"body":"attack subject is surprisingly"},{"speaker":"Sebastian Takle","startTime":456.79,"endTime":461.29,"body":"valuable, even within subjects"},{"speaker":"Sebastian Takle","startTime":461.29,"endTime":464.35,"body":"that are really, you know, you"},{"speaker":"Sebastian Takle","startTime":461.29,"endTime":464.35,"body":"look at financial crime that I"},{"speaker":"Sebastian Takle","startTime":464.35,"endTime":467.5,"body":"and you'd think that a lot of it"},{"speaker":"Sebastian Takle","startTime":464.35,"endTime":467.5,"body":"was pure financial crime. But"},{"speaker":"Sebastian Takle","startTime":467.5,"endTime":471.01,"body":"even if you go to the purist of"},{"speaker":"Sebastian Takle","startTime":467.5,"endTime":471.01,"body":"financial crime aspects, you"},{"speaker":"Sebastian Takle","startTime":471.01,"endTime":473.11,"body":"know, those responsible for"},{"speaker":"Sebastian Takle","startTime":471.01,"endTime":473.11,"body":"physical security, those"},{"speaker":"Sebastian Takle","startTime":473.11,"endTime":475.9,"body":"responsible for the terrorism"},{"speaker":"Sebastian Takle","startTime":473.11,"endTime":475.9,"body":"assessments, and those who are"},{"speaker":"Sebastian Takle","startTime":475.9,"endTime":480.37,"body":"sitting in our sock will have"},{"speaker":"Sebastian Takle","startTime":475.9,"endTime":480.37,"body":"valuable input, both to how to"},{"speaker":"Sebastian Takle","startTime":480.37,"endTime":483.04,"body":"attack it to begin with, but"},{"speaker":"Sebastian Takle","startTime":480.37,"endTime":483.04,"body":"also on sort of very sort of"},{"speaker":"Sebastian Takle","startTime":483.04,"endTime":485.92,"body":"concrete sort of, have you"},{"speaker":"Sebastian Takle","startTime":483.04,"endTime":485.92,"body":"thought of this detection wise"},{"speaker":"Sebastian Takle","startTime":486.19,"endTime":486.58,"body":"things."},{"speaker":"Robby Peralta","startTime":486.63,"endTime":488.7,"body":"So, I brought you"},{"speaker":"Robby Peralta","startTime":486.63,"endTime":488.7,"body":"in today to talk about threat"},{"speaker":"Robby Peralta","startTime":488.7,"endTime":490.92,"body":"intelligence, but I'm gonna be"},{"speaker":"Robby Peralta","startTime":488.7,"endTime":490.92,"body":"all over the place because"},{"speaker":"Robby Peralta","startTime":490.92,"endTime":492.21,"body":"everything is so cool to me"},{"speaker":"Robby Peralta","startTime":495.48,"endTime":498.63,"body":"So the subject lead for threat"},{"speaker":"Robby Peralta","startTime":495.48,"endTime":498.63,"body":"intelligence, what do you do"},{"speaker":"Robby Peralta","startTime":498.66,"endTime":499.29,"body":"when you go to work?"},{"speaker":"Sebastian Takle","startTime":499.3,"endTime":503.23,"body":"So I spend a"},{"speaker":"Sebastian Takle","startTime":499.3,"endTime":503.23,"body":"lot of time looking at the"},{"speaker":"Sebastian Takle","startTime":503.23,"endTime":508.57,"body":"threat actors who's attacking us"},{"speaker":"Sebastian Takle","startTime":503.23,"endTime":508.57,"body":"and and, and and how I think"},{"speaker":"Sebastian Takle","startTime":508.57,"endTime":512.05,"body":"that threat intelligence, if you"},{"speaker":"Sebastian Takle","startTime":508.57,"endTime":512.05,"body":"look at the way it's been done"},{"speaker":"Sebastian Takle","startTime":512.05,"endTime":515.47,"body":"for a long time, it's it's at a"},{"speaker":"Sebastian Takle","startTime":512.05,"endTime":515.47,"body":"large focus on the How are"},{"speaker":"Sebastian Takle","startTime":515.47,"endTime":517.87,"body":"people attacking you to be able"},{"speaker":"Sebastian Takle","startTime":515.47,"endTime":517.87,"body":"to sort of counter that a bit"},{"speaker":"Sebastian Takle","startTime":517.87,"endTime":522.64,"body":"sort of efficiently, but I spend"},{"speaker":"Sebastian Takle","startTime":517.87,"endTime":522.64,"body":"a lot of time on, on on who is"},{"speaker":"Sebastian Takle","startTime":522.64,"endTime":525.07,"body":"responsible, I find it"},{"speaker":"Sebastian Takle","startTime":522.64,"endTime":525.07,"body":"surprising that we're no more"},{"speaker":"Sebastian Takle","startTime":525.07,"endTime":528.07,"body":"interested in who you know,"},{"speaker":"Sebastian Takle","startTime":525.07,"endTime":528.07,"body":"someone's trying to steal a"},{"speaker":"Sebastian Takle","startTime":528.07,"endTime":531.61,"body":"billion dollars from you, you"},{"speaker":"Sebastian Takle","startTime":528.07,"endTime":531.61,"body":"know, the first thing I ask is"},{"speaker":"Sebastian Takle","startTime":531.64,"endTime":535.9,"body":"who the first thing I should ask"},{"speaker":"Sebastian Takle","startTime":531.64,"endTime":535.9,"body":"is how but the first thing I ask"},{"speaker":"Sebastian Takle","startTime":535.9,"endTime":538.84,"body":"is who so it's a very sort of"},{"speaker":"Sebastian Takle","startTime":535.9,"endTime":538.84,"body":"very sort of response from my"},{"speaker":"Sebastian Takle","startTime":538.84,"endTime":541.84,"body":"side that I want to know who's"},{"speaker":"Sebastian Takle","startTime":538.84,"endTime":541.84,"body":"behind this and not just how"},{"speaker":"Sebastian Takle","startTime":541.84,"endTime":544.69,"body":"they're doing it. So for me,"},{"speaker":"Sebastian Takle","startTime":541.84,"endTime":544.69,"body":"that's, that's important,"},{"speaker":"Sebastian Takle","startTime":544.69,"endTime":548.44,"body":"because that lets me assess the"},{"speaker":"Sebastian Takle","startTime":544.69,"endTime":548.44,"body":"threat and that's basically my"},{"speaker":"Sebastian Takle","startTime":548.44,"endTime":552.28,"body":"job right? I need to be able to"},{"speaker":"Sebastian Takle","startTime":548.44,"endTime":552.28,"body":"assess who's posing what threat"},{"speaker":"Sebastian Takle","startTime":552.31,"endTime":556.72,"body":"to us within the sort of"},{"speaker":"Sebastian Takle","startTime":552.31,"endTime":556.72,"body":"financial crime sphere at any"},{"speaker":"Sebastian Takle","startTime":556.72,"endTime":560.14,"body":"given time. So I look it was"},{"speaker":"Sebastian Takle","startTime":556.72,"endTime":560.14,"body":"hitting our customers at the"},{"speaker":"Sebastian Takle","startTime":560.14,"endTime":563.83,"body":"moment globally, what's going"},{"speaker":"Sebastian Takle","startTime":560.14,"endTime":563.83,"body":"on? Are there any effects of"},{"speaker":"Sebastian Takle","startTime":563.83,"endTime":566.26,"body":"things like COVID-19, and things"},{"speaker":"Sebastian Takle","startTime":563.83,"endTime":566.26,"body":"like that, that are that are"},{"speaker":"Sebastian Takle","startTime":566.26,"endTime":568.9,"body":"hitting, and then I'll look at"},{"speaker":"Sebastian Takle","startTime":566.26,"endTime":568.9,"body":"Okay, we'll track the threat"},{"speaker":"Sebastian Takle","startTime":568.9,"endTime":572.89,"body":"that is are involved there, and"},{"speaker":"Sebastian Takle","startTime":568.9,"endTime":572.89,"body":"what threats do they pose to DNB"},{"speaker":"Sebastian Takle","startTime":572.89,"endTime":577.33,"body":"and what threat they pose to"},{"speaker":"Sebastian Takle","startTime":572.89,"endTime":577.33,"body":"DNBs customers, then I spend a"},{"speaker":"Sebastian Takle","startTime":577.33,"endTime":581.35,"body":"lot of time on awareness. I"},{"speaker":"Sebastian Takle","startTime":577.33,"endTime":581.35,"body":"think that awareness work is one"},{"speaker":"Sebastian Takle","startTime":581.35,"endTime":585.52,"body":"of the most important things you"},{"speaker":"Sebastian Takle","startTime":581.35,"endTime":585.52,"body":"can spend your time on. There"},{"speaker":"Sebastian Takle","startTime":585.52,"endTime":588.04,"body":"are several reasons for that but"},{"speaker":"Sebastian Takle","startTime":585.52,"endTime":588.04,"body":"if you I mean if you ask the"},{"speaker":"Sebastian Takle","startTime":588.04,"endTime":591.82,"body":"police if money in financial"},{"speaker":"Sebastian Takle","startTime":588.04,"endTime":591.82,"body":"crime go disappears abroad, what"},{"speaker":"Sebastian Takle","startTime":591.82,"endTime":594.79,"body":"are the chances of getting them"},{"speaker":"Sebastian Takle","startTime":591.82,"endTime":594.79,"body":"back they're slim to none right?"},{"speaker":"Sebastian Takle","startTime":594.79,"endTime":597.37,"body":"That's that's the reality are"},{"speaker":"Sebastian Takle","startTime":594.79,"endTime":597.37,"body":"the lots of examples of people"},{"speaker":"Sebastian Takle","startTime":597.37,"endTime":599.2,"body":"getting their money back Yeah,"},{"speaker":"Sebastian Takle","startTime":597.37,"endTime":599.2,"body":"you know, of course there are"},{"speaker":"Sebastian Takle","startTime":599.2,"endTime":602.56,"body":"but but You know, if you look at"},{"speaker":"Sebastian Takle","startTime":599.2,"endTime":602.56,"body":"it as a whole, the chances of"},{"speaker":"Sebastian Takle","startTime":602.56,"endTime":605.29,"body":"getting your money back are"},{"speaker":"Sebastian Takle","startTime":602.56,"endTime":605.29,"body":"very, very slim. So the trick"},{"speaker":"Sebastian Takle","startTime":605.29,"endTime":608.5,"body":"here has to be to prevent money"},{"speaker":"Sebastian Takle","startTime":605.29,"endTime":608.5,"body":"from leaving the country, there"},{"speaker":"Sebastian Takle","startTime":608.5,"endTime":610.93,"body":"are several ways you can do"},{"speaker":"Sebastian Takle","startTime":608.5,"endTime":610.93,"body":"that. I mean, you have like FC"},{"speaker":"Sebastian Takle","startTime":610.93,"endTime":614.14,"body":"three will monitor transactions"},{"speaker":"Sebastian Takle","startTime":610.93,"endTime":614.14,"body":"will stop transactions as we"},{"speaker":"Sebastian Takle","startTime":614.14,"endTime":617.08,"body":"think they're suspicious, and"},{"speaker":"Sebastian Takle","startTime":614.14,"endTime":617.08,"body":"we'll, we'll investigate them."},{"speaker":"Sebastian Takle","startTime":617.83,"endTime":622.21,"body":"But awareness work is very, very"},{"speaker":"Sebastian Takle","startTime":617.83,"endTime":622.21,"body":"valuable, because it allows us"},{"speaker":"Sebastian Takle","startTime":622.21,"endTime":624.7,"body":"to sort of contact the people"},{"speaker":"Sebastian Takle","startTime":622.21,"endTime":624.7,"body":"who with we think you're going"},{"speaker":"Sebastian Takle","startTime":624.7,"endTime":627.94,"body":"to be the victims of these"},{"speaker":"Sebastian Takle","startTime":624.7,"endTime":627.94,"body":"frauds, whether it's companies"},{"speaker":"Sebastian Takle","startTime":627.94,"endTime":632.32,"body":"or individuals, and really make"},{"speaker":"Sebastian Takle","startTime":627.94,"endTime":632.32,"body":"them aware of what's going on."},{"speaker":"Sebastian Takle","startTime":632.71,"endTime":635.8,"body":"And I think that the problem you"},{"speaker":"Sebastian Takle","startTime":632.71,"endTime":635.8,"body":"have with awareness work is that"},{"speaker":"Sebastian Takle","startTime":635.8,"endTime":640.12,"body":"it can be very, very boring,"},{"speaker":"Sebastian Takle","startTime":635.8,"endTime":640.12,"body":"right? Because the sad truth is"},{"speaker":"Sebastian Takle","startTime":640.12,"endTime":643.45,"body":"that when you look at what"},{"speaker":"Sebastian Takle","startTime":640.12,"endTime":643.45,"body":"things pose the biggest threat"},{"speaker":"Sebastian Takle","startTime":643.45,"endTime":647.47,"body":"to you and me privately, for"},{"speaker":"Sebastian Takle","startTime":643.45,"endTime":647.47,"body":"example, those things aren't"},{"speaker":"Sebastian Takle","startTime":647.47,"endTime":650.53,"body":"particularly, they're not"},{"speaker":"Sebastian Takle","startTime":647.47,"endTime":650.53,"body":"particularly exciting. You know,"},{"speaker":"Sebastian Takle","startTime":650.53,"endTime":653.17,"body":"it's things like phishing emails"},{"speaker":"Sebastian Takle","startTime":650.53,"endTime":653.17,"body":"is sort of the thing you need to"},{"speaker":"Sebastian Takle","startTime":653.17,"endTime":656.05,"body":"be aware of right? You get"},{"speaker":"Sebastian Takle","startTime":653.17,"endTime":656.05,"body":"hundreds of them every month,"},{"speaker":"Sebastian Takle","startTime":656.14,"endTime":659.41,"body":"most of them get automatically"},{"speaker":"Sebastian Takle","startTime":656.14,"endTime":659.41,"body":"deleted. This is sort of where"},{"speaker":"Sebastian Takle","startTime":659.41,"endTime":663.37,"body":"the threat is. So in order to"},{"speaker":"Sebastian Takle","startTime":659.41,"endTime":663.37,"body":"make sure that people are aware"},{"speaker":"Sebastian Takle","startTime":663.4,"endTime":666.94,"body":"of the threat, I think that you"},{"speaker":"Sebastian Takle","startTime":663.4,"endTime":666.94,"body":"and many people will disagree"},{"speaker":"Sebastian Takle","startTime":666.94,"endTime":669.61,"body":"with me, but I think that you"},{"speaker":"Sebastian Takle","startTime":666.94,"endTime":669.61,"body":"need to sort of give them some,"},{"speaker":"Sebastian Takle","startTime":669.91,"endTime":673.48,"body":"some hooks to sort of hang"},{"speaker":"Sebastian Takle","startTime":669.91,"endTime":673.48,"body":"information on. So instead of"},{"speaker":"Sebastian Takle","startTime":673.48,"endTime":677.29,"body":"just saying, you know, this is"},{"speaker":"Sebastian Takle","startTime":673.48,"endTime":677.29,"body":"the this is phishing campaign"},{"speaker":"Sebastian Takle","startTime":677.29,"endTime":681.82,"body":"number 752. This month, you"},{"speaker":"Sebastian Takle","startTime":677.29,"endTime":681.82,"body":"know, I like to say that, you"},{"speaker":"Sebastian Takle","startTime":681.82,"endTime":684.52,"body":"know, we're being attacked"},{"speaker":"Sebastian Takle","startTime":681.82,"endTime":684.52,"body":"again, by the same group that"},{"speaker":"Sebastian Takle","startTime":684.52,"endTime":687.88,"body":"attacked us last month, you"},{"speaker":"Sebastian Takle","startTime":684.52,"endTime":687.88,"body":"know, at that point, we think"},{"speaker":"Sebastian Takle","startTime":687.88,"endTime":691.48,"body":"they were working from abroad,"},{"speaker":"Sebastian Takle","startTime":687.88,"endTime":691.48,"body":"but we suspect they have people"},{"speaker":"Sebastian Takle","startTime":691.48,"endTime":694.63,"body":"on the ground in Norway handling"},{"speaker":"Sebastian Takle","startTime":691.48,"endTime":694.63,"body":"this aspect of their operations,"},{"speaker":"Sebastian Takle","startTime":694.63,"endTime":697.96,"body":"right. So months ago, when we"},{"speaker":"Sebastian Takle","startTime":694.63,"endTime":697.96,"body":"were looking at that we set a"},{"speaker":"Sebastian Takle","startTime":697.96,"endTime":701.26,"body":"task force down, and we looked"},{"speaker":"Sebastian Takle","startTime":697.96,"endTime":701.26,"body":"at it. And I think we need to do"},{"speaker":"Sebastian Takle","startTime":701.26,"endTime":703.87,"body":"that again. And I think this"},{"speaker":"Sebastian Takle","startTime":701.26,"endTime":703.87,"body":"both makes it more exciting,"},{"speaker":"Sebastian Takle","startTime":703.87,"endTime":706.18,"body":"which means people will actually"},{"speaker":"Sebastian Takle","startTime":703.87,"endTime":706.18,"body":"pay attention, because you need"},{"speaker":"Sebastian Takle","startTime":706.18,"endTime":709.03,"body":"to remember that there's no"},{"speaker":"Sebastian Takle","startTime":706.18,"endTime":709.03,"body":"point in writing anything, or"},{"speaker":"Sebastian Takle","startTime":709.03,"endTime":711.34,"body":"talking to someone if they're"},{"speaker":"Sebastian Takle","startTime":709.03,"endTime":711.34,"body":"not going to read what you've"},{"speaker":"Sebastian Takle","startTime":711.34,"endTime":714.49,"body":"written, or listen when you"},{"speaker":"Sebastian Takle","startTime":711.34,"endTime":714.49,"body":"talk, right. So on one point or"},{"speaker":"Sebastian Takle","startTime":714.49,"endTime":717.28,"body":"another, you need to catch their"},{"speaker":"Sebastian Takle","startTime":714.49,"endTime":717.28,"body":"attention. And this threat,"},{"speaker":"Sebastian Takle","startTime":717.28,"endTime":721.24,"body":"actor centric focus will help"},{"speaker":"Sebastian Takle","startTime":717.28,"endTime":721.24,"body":"you do that. And it'll also help"},{"speaker":"Sebastian Takle","startTime":721.24,"endTime":724.63,"body":"you give them some sort of"},{"speaker":"Sebastian Takle","startTime":721.24,"endTime":724.63,"body":"categories to put these threats"},{"speaker":"Sebastian Takle","startTime":724.63,"endTime":728.59,"body":"into. And at the same time,"},{"speaker":"Sebastian Takle","startTime":724.63,"endTime":728.59,"body":"that's just one sort of facet of"},{"speaker":"Sebastian Takle","startTime":728.59,"endTime":731.71,"body":"awareness work, it's the most"},{"speaker":"Sebastian Takle","startTime":728.59,"endTime":731.71,"body":"common one and the most boring"},{"speaker":"Sebastian Takle","startTime":731.71,"endTime":735.73,"body":"one. But I think that most of us"},{"speaker":"Sebastian Takle","startTime":731.71,"endTime":735.73,"body":"sort of recognize the the issue"},{"speaker":"Sebastian Takle","startTime":735.73,"endTime":739.03,"body":"of internal awareness work where"},{"speaker":"Sebastian Takle","startTime":735.73,"endTime":739.03,"body":"you need to make your own"},{"speaker":"Sebastian Takle","startTime":739.06,"endTime":742.6,"body":"organization aware of what's"},{"speaker":"Sebastian Takle","startTime":739.06,"endTime":742.6,"body":"going on. That's not a problem,"},{"speaker":"Sebastian Takle","startTime":742.6,"endTime":745.24,"body":"because your own organization is"},{"speaker":"Sebastian Takle","startTime":742.6,"endTime":745.24,"body":"incompetent, it's a problem"},{"speaker":"Sebastian Takle","startTime":745.24,"endTime":747.91,"body":"because people have their own"},{"speaker":"Sebastian Takle","startTime":745.24,"endTime":747.91,"body":"jobs, right. And that,"},{"speaker":"Sebastian Takle","startTime":747.91,"endTime":750.7,"body":"surprisingly enough, everyone"},{"speaker":"Sebastian Takle","startTime":747.91,"endTime":750.7,"body":"doesn't keep an hour free on"},{"speaker":"Sebastian Takle","startTime":750.7,"endTime":753.67,"body":"Mondays in case of nastiness,"},{"speaker":"Sebastian Takle","startTime":750.7,"endTime":753.67,"body":"something to tell them so. So"},{"speaker":"Sebastian Takle","startTime":753.7,"endTime":757.36,"body":"when I sort of step into a room"},{"speaker":"Sebastian Takle","startTime":753.7,"endTime":757.36,"body":"and say, I need your attention"},{"speaker":"Sebastian Takle","startTime":757.36,"endTime":761.29,"body":"now, you sort of need to make it"},{"speaker":"Sebastian Takle","startTime":757.36,"endTime":761.29,"body":"clear why they need to"},{"speaker":"Sebastian Takle","startTime":761.29,"endTime":765.04,"body":"prioritize you, in this case,"},{"speaker":"Sebastian Takle","startTime":761.29,"endTime":765.04,"body":"intelligence really helps us do"},{"speaker":"Sebastian Takle","startTime":765.04,"endTime":769.3,"body":"that. And the same goes for when"},{"speaker":"Sebastian Takle","startTime":765.04,"endTime":769.3,"body":"you're working with external"},{"speaker":"Sebastian Takle","startTime":769.3,"endTime":771.82,"body":"parties, for example, the"},{"speaker":"Sebastian Takle","startTime":769.3,"endTime":771.82,"body":"police, I work a lot with the"},{"speaker":"Sebastian Takle","startTime":771.82,"endTime":774.79,"body":"police, I think the police do a"},{"speaker":"Sebastian Takle","startTime":771.82,"endTime":774.79,"body":"brilliant job with with the"},{"speaker":"Sebastian Takle","startTime":774.79,"endTime":779.41,"body":"resources they have. But there's"},{"speaker":"Sebastian Takle","startTime":774.79,"endTime":779.41,"body":"no doubt that the more I can"},{"speaker":"Sebastian Takle","startTime":779.77,"endTime":783.13,"body":"show connections between cases,"},{"speaker":"Sebastian Takle","startTime":779.77,"endTime":783.13,"body":"the more I can give indications"},{"speaker":"Sebastian Takle","startTime":783.13,"endTime":785.32,"body":"of when you have direct access"},{"speaker":"Sebastian Takle","startTime":783.13,"endTime":785.32,"body":"on the ground, and Norway, and"},{"speaker":"Sebastian Takle","startTime":785.32,"endTime":789.31,"body":"when we think they're purely"},{"speaker":"Sebastian Takle","startTime":785.32,"endTime":789.31,"body":"abroad, the more I can show that"},{"speaker":"Sebastian Takle","startTime":789.88,"endTime":792.52,"body":"you're not just talking about,"},{"speaker":"Sebastian Takle","startTime":789.88,"endTime":792.52,"body":"you know, even if each fraud"},{"speaker":"Sebastian Takle","startTime":792.52,"endTime":796.63,"body":"case is just $1,000, you know, I"},{"speaker":"Sebastian Takle","startTime":792.52,"endTime":796.63,"body":"can still, you know, if I'm able"},{"speaker":"Sebastian Takle","startTime":796.63,"endTime":799.48,"body":"to show that this is still a"},{"speaker":"Sebastian Takle","startTime":796.63,"endTime":799.48,"body":"million dollar case, and then it"},{"speaker":"Sebastian Takle","startTime":799.48,"endTime":802.39,"body":"sort of helps the police"},{"speaker":"Sebastian Takle","startTime":799.48,"endTime":802.39,"body":"prioritize, at least to some"},{"speaker":"Sebastian Takle","startTime":802.39,"endTime":805.57,"body":"extent, so. So you've got"},{"speaker":"Sebastian Takle","startTime":802.39,"endTime":805.57,"body":"awareness, both with customers,"},{"speaker":"Sebastian Takle","startTime":805.57,"endTime":807.76,"body":"you've got awareness internally,"},{"speaker":"Sebastian Takle","startTime":805.57,"endTime":807.76,"body":"and you've got awareness with"},{"speaker":"Sebastian Takle","startTime":807.76,"endTime":809.92,"body":"with the people you're working"},{"speaker":"Sebastian Takle","startTime":807.76,"endTime":809.92,"body":"with. And I think that's"},{"speaker":"Sebastian Takle","startTime":810.4,"endTime":813.61,"body":"definitely takes a lot of my a"},{"speaker":"Sebastian Takle","startTime":810.4,"endTime":813.61,"body":"lot of my time. Hmm, we're not"},{"speaker":"Sebastian Takle","startTime":813.61,"endTime":816.1,"body":"bored at work. I'm not bored at"},{"speaker":"Sebastian Takle","startTime":813.61,"endTime":816.1,"body":"work. And I'm glad"},{"speaker":"Robby Peralta","startTime":816.14,"endTime":818.24,"body":"you're there at"},{"speaker":"Robby Peralta","startTime":816.14,"endTime":818.24,"body":"work that makes me feel safe as"},{"speaker":"Robby Peralta","startTime":818.24,"endTime":821.21,"body":"a DNB customer. But can you tell"},{"speaker":"Robby Peralta","startTime":818.24,"endTime":821.21,"body":"me anything more about these"},{"speaker":"Robby Peralta","startTime":830.66,"endTime":831.35,"body":"threat actors?"},{"speaker":"Sebastian Takle","startTime":832.169,"endTime":833.969,"body":"Not"},{"speaker":"Sebastian Takle","startTime":832.169,"endTime":833.969,"body":"necessarily. No, I mean, if you"},{"speaker":"Sebastian Takle","startTime":833.969,"endTime":838.319,"body":"look at DMV strat intelligence"},{"speaker":"Sebastian Takle","startTime":833.969,"endTime":838.319,"body":"group as a whole, we have our"},{"speaker":"Sebastian Takle","startTime":838.319,"endTime":841.379,"body":"own sort of threat actor"},{"speaker":"Sebastian Takle","startTime":838.319,"endTime":841.379,"body":"pyramid. And that's not exactly"},{"speaker":"Sebastian Takle","startTime":841.379,"endTime":843.659,"body":"black magic. I mean, that's"},{"speaker":"Sebastian Takle","startTime":841.379,"endTime":843.659,"body":"going to be very familiar to"},{"speaker":"Sebastian Takle","startTime":843.659,"endTime":847.139,"body":"you, although we've sort of"},{"speaker":"Sebastian Takle","startTime":843.659,"endTime":847.139,"body":"internalized it and made it our"},{"speaker":"Sebastian Takle","startTime":847.139,"endTime":849.659,"body":"own. So you know, at the top of"},{"speaker":"Sebastian Takle","startTime":847.139,"endTime":849.659,"body":"the pyramid, like everyone else"},{"speaker":"Sebastian Takle","startTime":849.659,"endTime":853.229,"body":"will have nation states, right."},{"speaker":"Sebastian Takle","startTime":849.659,"endTime":853.229,"body":"Within financial crime, there"},{"speaker":"Sebastian Takle","startTime":853.229,"endTime":855.149,"body":"are definitely things we could"},{"speaker":"Sebastian Takle","startTime":853.229,"endTime":855.149,"body":"talk about when it comes to"},{"speaker":"Sebastian Takle","startTime":855.149,"endTime":857.339,"body":"nation states, but I don't think"},{"speaker":"Sebastian Takle","startTime":855.149,"endTime":857.339,"body":"I'm going to spend all my time"},{"speaker":"Sebastian Takle","startTime":857.339,"endTime":860.309,"body":"on that today. I think, you"},{"speaker":"Sebastian Takle","startTime":857.339,"endTime":860.309,"body":"know, nation states, a lot of"},{"speaker":"Sebastian Takle","startTime":860.309,"endTime":863.369,"body":"the time when it comes to"},{"speaker":"Sebastian Takle","startTime":860.309,"endTime":863.369,"body":"financial crime, they, there are"},{"speaker":"Sebastian Takle","startTime":863.369,"endTime":866.219,"body":"other people who will take your"},{"speaker":"Sebastian Takle","startTime":863.369,"endTime":866.219,"body":"time talking about that. And"},{"speaker":"Sebastian Takle","startTime":866.219,"endTime":867.899,"body":"then at the bottom of the"},{"speaker":"Sebastian Takle","startTime":866.219,"endTime":867.899,"body":"pyramid, you'll have"},{"speaker":"Sebastian Takle","startTime":868.049,"endTime":871.919,"body":"individuals, right, or groups of"},{"speaker":"Sebastian Takle","startTime":868.049,"endTime":871.919,"body":"friends that work together, but"},{"speaker":"Sebastian Takle","startTime":871.919,"endTime":875.159,"body":"they're not sort of, they're not"},{"speaker":"Sebastian Takle","startTime":871.919,"endTime":875.159,"body":"closely knit or professional"},{"speaker":"Sebastian Takle","startTime":875.159,"endTime":878.819,"body":"enough for me to sort of call"},{"speaker":"Sebastian Takle","startTime":875.159,"endTime":878.819,"body":"them organized criminals. This"},{"speaker":"Sebastian Takle","startTime":878.819,"endTime":883.229,"body":"organized criminals perhaps, and"},{"speaker":"Sebastian Takle","startTime":878.819,"endTime":883.229,"body":"you know, things like companies"},{"speaker":"Sebastian Takle","startTime":883.229,"endTime":886.889,"body":"or heads of companies trying to"},{"speaker":"Sebastian Takle","startTime":883.229,"endTime":886.889,"body":"make a profit rather themselves"},{"speaker":"Sebastian Takle","startTime":886.889,"endTime":890.339,"body":"or the company or things like"},{"speaker":"Sebastian Takle","startTime":886.889,"endTime":890.339,"body":"that. So, and that area is an"},{"speaker":"Sebastian Takle","startTime":890.339,"endTime":893.609,"body":"area where I think that if, if"},{"speaker":"Sebastian Takle","startTime":890.339,"endTime":893.609,"body":"you'd ask people 1015 years ago,"},{"speaker":"Sebastian Takle","startTime":893.819,"endTime":896.519,"body":"that's where the fraud problem"},{"speaker":"Sebastian Takle","startTime":893.819,"endTime":896.519,"body":"would be individuals and groups"},{"speaker":"Sebastian Takle","startTime":896.519,"endTime":899.339,"body":"of individuals getting into"},{"speaker":"Sebastian Takle","startTime":896.519,"endTime":899.339,"body":"trouble. And that's simply you"},{"speaker":"Sebastian Takle","startTime":899.339,"endTime":902.249,"body":"know, not the case. at all, so"},{"speaker":"Sebastian Takle","startTime":899.339,"endTime":902.249,"body":"the middle of the pyramid for us"},{"speaker":"Sebastian Takle","startTime":902.249,"endTime":906.449,"body":"is divided into two. And then we"},{"speaker":"Sebastian Takle","startTime":902.249,"endTime":906.449,"body":"have, both of the categories are"},{"speaker":"Sebastian Takle","startTime":906.449,"endTime":910.679,"body":"organized crime, basically. So"},{"speaker":"Sebastian Takle","startTime":906.449,"endTime":910.679,"body":"we have less advanced and more"},{"speaker":"Sebastian Takle","startTime":910.709,"endTime":915.449,"body":"advanced organized crime groups"},{"speaker":"Sebastian Takle","startTime":910.709,"endTime":915.449,"body":"in the middle there. And they"},{"speaker":"Sebastian Takle","startTime":915.509,"endTime":919.079,"body":"they dominate the attacks both"},{"speaker":"Sebastian Takle","startTime":915.509,"endTime":919.079,"body":"against the MBA when it comes to"},{"speaker":"Sebastian Takle","startTime":919.079,"endTime":923.519,"body":"financial crime and against and"},{"speaker":"Sebastian Takle","startTime":919.079,"endTime":923.519,"body":"against our customers. So an"},{"speaker":"Sebastian Takle","startTime":923.519,"endTime":926.879,"body":"example of, you know, the less"},{"speaker":"Sebastian Takle","startTime":923.519,"endTime":926.879,"body":"advanced organized criminal"},{"speaker":"Sebastian Takle","startTime":926.879,"endTime":931.049,"body":"groups, they will typically, you"},{"speaker":"Sebastian Takle","startTime":926.879,"endTime":931.049,"body":"know, their intelligence is"},{"speaker":"Sebastian Takle","startTime":931.049,"endTime":933.899,"body":"useless most of the time, which"},{"speaker":"Sebastian Takle","startTime":931.049,"endTime":933.899,"body":"means that their attacks are"},{"speaker":"Sebastian Takle","startTime":933.899,"endTime":939.149,"body":"fairly untargeted. The language"},{"speaker":"Sebastian Takle","startTime":933.899,"endTime":939.149,"body":"can often be quite rough, not"},{"speaker":"Sebastian Takle","startTime":939.149,"endTime":941.669,"body":"really technically up to it, if"},{"speaker":"Sebastian Takle","startTime":939.149,"endTime":941.669,"body":"they're, if they're using any"},{"speaker":"Sebastian Takle","startTime":941.669,"endTime":945.059,"body":"technical tools at all, they're"},{"speaker":"Sebastian Takle","startTime":941.669,"endTime":945.059,"body":"not the best. And because of the"},{"speaker":"Sebastian Takle","startTime":945.059,"endTime":947.489,"body":"the language issues and things"},{"speaker":"Sebastian Takle","startTime":945.059,"endTime":947.489,"body":"like that, even things like"},{"speaker":"Sebastian Takle","startTime":947.489,"endTime":950.969,"body":"social manipulation will often"},{"speaker":"Sebastian Takle","startTime":947.489,"endTime":950.969,"body":"you know, not be quite on par."},{"speaker":"Sebastian Takle","startTime":951.149,"endTime":954.149,"body":"But they still make a fortune,"},{"speaker":"Sebastian Takle","startTime":951.149,"endTime":954.149,"body":"right, because they've still,"},{"speaker":"Sebastian Takle","startTime":954.149,"endTime":958.439,"body":"you know, they use the oldest"},{"speaker":"Sebastian Takle","startTime":954.149,"endTime":958.439,"body":"trick of sales, which is volume."},{"speaker":"Sebastian Takle","startTime":958.469,"endTime":961.769,"body":"So the point is, they'll send"},{"speaker":"Sebastian Takle","startTime":958.469,"endTime":961.769,"body":"out 50,000, phishing attempts,"},{"speaker":"Sebastian Takle","startTime":962.039,"endTime":964.439,"body":"knowing that even if the"},{"speaker":"Sebastian Takle","startTime":962.039,"endTime":964.439,"body":"language is bad, and the"},{"speaker":"Sebastian Takle","startTime":964.439,"endTime":968.129,"body":"technical thing isn't up to"},{"speaker":"Sebastian Takle","startTime":964.439,"endTime":968.129,"body":"speed, someone's still going to"},{"speaker":"Sebastian Takle","startTime":968.129,"endTime":970.979,"body":"push that link, they'll get a"},{"speaker":"Sebastian Takle","startTime":968.129,"endTime":970.979,"body":"few guests still gonna get a"},{"speaker":"Sebastian Takle","startTime":970.979,"endTime":974.099,"body":"few, right, so there's still"},{"speaker":"Sebastian Takle","startTime":970.979,"endTime":974.099,"body":"money to be made. And and we,"},{"speaker":"Sebastian Takle","startTime":974.099,"endTime":977.339,"body":"you know, you must understand"},{"speaker":"Sebastian Takle","startTime":974.099,"endTime":977.339,"body":"these groups on a lot of money,"},{"speaker":"Sebastian Takle","startTime":977.339,"endTime":980.819,"body":"there is a lot of money floating"},{"speaker":"Sebastian Takle","startTime":977.339,"endTime":980.819,"body":"around the less advanced"},{"speaker":"Sebastian Takle","startTime":980.819,"endTime":984.599,"body":"organized criminal groups, and"},{"speaker":"Sebastian Takle","startTime":980.819,"endTime":984.599,"body":"there are an awful lot of them."},{"speaker":"Sebastian Takle","startTime":985.409,"endTime":988.139,"body":"And then you have the the more"},{"speaker":"Sebastian Takle","startTime":985.409,"endTime":988.139,"body":"advanced organized criminal"},{"speaker":"Sebastian Takle","startTime":988.139,"endTime":994.529,"body":"groups, which are in many cases,"},{"speaker":"Sebastian Takle","startTime":988.139,"endTime":994.529,"body":"not that different from nation"},{"speaker":"Sebastian Takle","startTime":994.529,"endTime":997.889,"body":"states. And, you know, also when"},{"speaker":"Sebastian Takle","startTime":994.529,"endTime":997.889,"body":"you're talking severity, in some"},{"speaker":"Sebastian Takle","startTime":997.889,"endTime":1000.649,"body":"cases, they're not that"},{"speaker":"Sebastian Takle","startTime":997.889,"endTime":1000.649,"body":"different. They, you know, they"},{"speaker":"Sebastian Takle","startTime":1000.649,"endTime":1005.179,"body":"they're well financed, they have"},{"speaker":"Sebastian Takle","startTime":1000.649,"endTime":1005.179,"body":"good time, they have amazing"},{"speaker":"Sebastian Takle","startTime":1005.179,"endTime":1007.729,"body":"technical skills. And I think,"},{"speaker":"Sebastian Takle","startTime":1005.179,"endTime":1007.729,"body":"you know, one of the most"},{"speaker":"Sebastian Takle","startTime":1007.729,"endTime":1011.179,"body":"important things is it is that"},{"speaker":"Sebastian Takle","startTime":1007.729,"endTime":1011.179,"body":"they're not in it for the profit"},{"speaker":"Sebastian Takle","startTime":1011.209,"endTime":1015.409,"body":"today. They're in it for the"},{"speaker":"Sebastian Takle","startTime":1011.209,"endTime":1015.409,"body":"promo, hi, yeah. So this is the"},{"speaker":"Sebastian Takle","startTime":1015.409,"endTime":1019.429,"body":"long gone gone really, really"},{"speaker":"Sebastian Takle","startTime":1015.409,"endTime":1019.429,"body":"big. And, and the distinction"},{"speaker":"Sebastian Takle","startTime":1019.429,"endTime":1023.629,"body":"therefore, between advanced"},{"speaker":"Sebastian Takle","startTime":1019.429,"endTime":1023.629,"body":"organized crime, nation states,"},{"speaker":"Sebastian Takle","startTime":1023.749,"endTime":1028.009,"body":"or when nation states are using"},{"speaker":"Sebastian Takle","startTime":1023.749,"endTime":1028.009,"body":"advanced organized criminal"},{"speaker":"Sebastian Takle","startTime":1028.009,"endTime":1032.599,"body":"groups that can get quite blurry"},{"speaker":"Sebastian Takle","startTime":1028.009,"endTime":1032.599,"body":"rather fast. So but you know,"},{"speaker":"Sebastian Takle","startTime":1032.599,"endTime":1034.879,"body":"you could probably have a"},{"speaker":"Sebastian Takle","startTime":1032.599,"endTime":1034.879,"body":"separate thing on that at some"},{"speaker":"Sebastian Takle","startTime":1034.879,"endTime":1039.979,"body":"point. So that's sort of the the"},{"speaker":"Sebastian Takle","startTime":1034.879,"endTime":1039.979,"body":"two main organized crime groups,"},{"speaker":"Sebastian Takle","startTime":1040.309,"endTime":1043.099,"body":"I usually if I'm going to give"},{"speaker":"Sebastian Takle","startTime":1040.309,"endTime":1043.099,"body":"some examples, I'll say that a"},{"speaker":"Sebastian Takle","startTime":1043.099,"endTime":1047.479,"body":"lot of the West African groups,"},{"speaker":"Sebastian Takle","startTime":1043.099,"endTime":1047.479,"body":"they fall into the less advanced"},{"speaker":"Sebastian Takle","startTime":1047.479,"endTime":1049.789,"body":"organized criminal groups."},{"speaker":"Sebastian Takle","startTime":1047.479,"endTime":1049.789,"body":"That's not to say that there"},{"speaker":"Sebastian Takle","startTime":1049.789,"endTime":1052.219,"body":"aren't advanced West African"},{"speaker":"Sebastian Takle","startTime":1049.789,"endTime":1052.219,"body":"organized criminal groups, there"},{"speaker":"Sebastian Takle","startTime":1052.219,"endTime":1055.939,"body":"are a lot of them highly"},{"speaker":"Sebastian Takle","startTime":1052.219,"endTime":1055.939,"body":"competent, especially when it"},{"speaker":"Sebastian Takle","startTime":1055.939,"endTime":1058.549,"body":"comes to social manipulation."},{"speaker":"Sebastian Takle","startTime":1055.939,"endTime":1058.549,"body":"But also on the technical side,"},{"speaker":"Sebastian Takle","startTime":1058.579,"endTime":1062.629,"body":"there are some serious groups to"},{"speaker":"Sebastian Takle","startTime":1058.579,"endTime":1062.629,"body":"watch out for there. But still,"},{"speaker":"Sebastian Takle","startTime":1062.629,"endTime":1067.399,"body":"the majority will fall into the"},{"speaker":"Sebastian Takle","startTime":1062.629,"endTime":1067.399,"body":"into the slightly less advanced"},{"speaker":"Sebastian Takle","startTime":1067.429,"endTime":1071.899,"body":"category. And on the flip side,"},{"speaker":"Sebastian Takle","startTime":1067.429,"endTime":1071.899,"body":"there you have the the reality"},{"speaker":"Sebastian Takle","startTime":1071.899,"endTime":1076.129,"body":"groups, for example, who are"},{"speaker":"Sebastian Takle","startTime":1071.899,"endTime":1076.129,"body":"extremely competent,"},{"speaker":"Sebastian Takle","startTime":1077.45,"endTime":1082.28,"body":"work on a on a huge time frame,"},{"speaker":"Sebastian Takle","startTime":1077.45,"endTime":1082.28,"body":"they have a good infrastructure"},{"speaker":"Sebastian Takle","startTime":1082.28,"endTime":1085.43,"body":"to work off. And if you look at"},{"speaker":"Sebastian Takle","startTime":1082.28,"endTime":1085.43,"body":"the biggest fraud cases in"},{"speaker":"Sebastian Takle","startTime":1085.43,"endTime":1089.27,"body":"Norway over the past five or 10"},{"speaker":"Sebastian Takle","startTime":1085.43,"endTime":1089.27,"body":"years, you'll find involvement"},{"speaker":"Sebastian Takle","startTime":1089.27,"endTime":1094.88,"body":"of Israeli crime in in a lot, if"},{"speaker":"Sebastian Takle","startTime":1089.27,"endTime":1094.88,"body":"not all of them. So it's, this"},{"speaker":"Sebastian Takle","startTime":1094.88,"endTime":1098.48,"body":"is sort of an aspect where"},{"speaker":"Sebastian Takle","startTime":1094.88,"endTime":1098.48,"body":"you're gonna, there are a lot of"},{"speaker":"Sebastian Takle","startTime":1098.48,"endTime":1100.79,"body":"different threat actors. And"},{"speaker":"Sebastian Takle","startTime":1098.48,"endTime":1100.79,"body":"these are just some sort of"},{"speaker":"Sebastian Takle","startTime":1100.79,"endTime":1105.56,"body":"examples of groups. But that's,"},{"speaker":"Sebastian Takle","startTime":1100.79,"endTime":1105.56,"body":"that's probably a an important"},{"speaker":"Sebastian Takle","startTime":1105.56,"endTime":1108.47,"body":"thing for me to sort of"},{"speaker":"Sebastian Takle","startTime":1105.56,"endTime":1108.47,"body":"emphasize is that, you know, I"},{"speaker":"Sebastian Takle","startTime":1108.47,"endTime":1111.5,"body":"said we had a very sort of"},{"speaker":"Sebastian Takle","startTime":1108.47,"endTime":1111.5,"body":"threat, actor centric view when"},{"speaker":"Sebastian Takle","startTime":1111.5,"endTime":1114.86,"body":"it came to when it came to"},{"speaker":"Sebastian Takle","startTime":1111.5,"endTime":1114.86,"body":"threat intelligence on financial"},{"speaker":"Sebastian Takle","startTime":1114.86,"endTime":1117.65,"body":"crime. And that's right, I think"},{"speaker":"Sebastian Takle","startTime":1114.86,"endTime":1117.65,"body":"one of the first jobs I was"},{"speaker":"Sebastian Takle","startTime":1117.65,"endTime":1120.53,"body":"given when I said we, I said to"},{"speaker":"Sebastian Takle","startTime":1117.65,"endTime":1120.53,"body":"my boss, you know, we should"},{"speaker":"Sebastian Takle","startTime":1120.53,"endTime":1122.69,"body":"work on this. And he agreed, and"},{"speaker":"Sebastian Takle","startTime":1120.53,"endTime":1122.69,"body":"he said, but then I want you to"},{"speaker":"Sebastian Takle","startTime":1122.69,"endTime":1126.2,"body":"find out who's behind investment"},{"speaker":"Sebastian Takle","startTime":1122.69,"endTime":1126.2,"body":"fraud, because at that point,"},{"speaker":"Sebastian Takle","startTime":1126.2,"endTime":1129.44,"body":"investment fraud sort of"},{"speaker":"Sebastian Takle","startTime":1126.2,"endTime":1129.44,"body":"exploded in 2017, it had been"},{"speaker":"Sebastian Takle","startTime":1129.44,"endTime":1133.04,"body":"going on for years, no one knew"},{"speaker":"Sebastian Takle","startTime":1129.44,"endTime":1133.04,"body":"police didn't know financial"},{"speaker":"Sebastian Takle","startTime":1133.04,"endTime":1136.01,"body":"institutions didn't know it was"},{"speaker":"Sebastian Takle","startTime":1133.04,"endTime":1136.01,"body":"it was a mystery how this could"},{"speaker":"Sebastian Takle","startTime":1136.01,"endTime":1140.54,"body":"be going on for so long without"},{"speaker":"Sebastian Takle","startTime":1136.01,"endTime":1140.54,"body":"anyone sort of identifying. And"},{"speaker":"Sebastian Takle","startTime":1140.54,"endTime":1143.69,"body":"his first sort of thing to me"},{"speaker":"Sebastian Takle","startTime":1140.54,"endTime":1143.69,"body":"was, you know, I needed to find"},{"speaker":"Sebastian Takle","startTime":1143.69,"endTime":1146.6,"body":"out who's involved in this. And"},{"speaker":"Sebastian Takle","startTime":1143.69,"endTime":1146.6,"body":"by that he didn't mean you know,"},{"speaker":"Sebastian Takle","startTime":1146.63,"endTime":1150.44,"body":"what individual is responsible,"},{"speaker":"Sebastian Takle","startTime":1146.63,"endTime":1150.44,"body":"because it's important that you"},{"speaker":"Sebastian Takle","startTime":1150.44,"endTime":1153.35,"body":"know, the limits of what you can"},{"speaker":"Sebastian Takle","startTime":1150.44,"endTime":1153.35,"body":"do yourself. And very often,"},{"speaker":"Sebastian Takle","startTime":1153.68,"endTime":1156.47,"body":"although it would be great to"},{"speaker":"Sebastian Takle","startTime":1153.68,"endTime":1156.47,"body":"get down to an individual level,"},{"speaker":"Sebastian Takle","startTime":1156.68,"endTime":1159.71,"body":"realistic, we're not going to do"},{"speaker":"Sebastian Takle","startTime":1156.68,"endTime":1159.71,"body":"that, because it's got something"},{"speaker":"Sebastian Takle","startTime":1159.71,"endTime":1163.16,"body":"to do with where in the chain"},{"speaker":"Sebastian Takle","startTime":1159.71,"endTime":1163.16,"body":"we're positioned, and you know,"},{"speaker":"Sebastian Takle","startTime":1163.16,"endTime":1168.5,"body":"what kind of views we have from"},{"speaker":"Sebastian Takle","startTime":1163.16,"endTime":1168.5,"body":"there and out. But down to an"},{"speaker":"Sebastian Takle","startTime":1168.5,"endTime":1173.54,"body":"organizational level, where are"},{"speaker":"Sebastian Takle","startTime":1168.5,"endTime":1173.54,"body":"they based? How many are they?"},{"speaker":"Sebastian Takle","startTime":1175.31,"endTime":1178.37,"body":"How long have they been doing"},{"speaker":"Sebastian Takle","startTime":1175.31,"endTime":1178.37,"body":"this are professional larvae."},{"speaker":"Sebastian Takle","startTime":1178.61,"endTime":1181.16,"body":"And this is important, this is"},{"speaker":"Sebastian Takle","startTime":1178.61,"endTime":1181.16,"body":"important for assessment"},{"speaker":"Sebastian Takle","startTime":1181.16,"endTime":1185.33,"body":"purposes, because this will tell"},{"speaker":"Sebastian Takle","startTime":1181.16,"endTime":1185.33,"body":"you to what extent you need to"},{"speaker":"Sebastian Takle","startTime":1185.33,"endTime":1189.74,"body":"prioritize and it also tell you"},{"speaker":"Sebastian Takle","startTime":1185.33,"endTime":1189.74,"body":"how hopeful you can be of your"},{"speaker":"Sebastian Takle","startTime":1189.74,"endTime":1192.68,"body":"countermeasures, not just"},{"speaker":"Sebastian Takle","startTime":1189.74,"endTime":1192.68,"body":"handling things for a while but"},{"speaker":"Sebastian Takle","startTime":1192.71,"endTime":1193.94,"body":"but working over time."},{"speaker":"Robby Peralta","startTime":1194.5,"endTime":1195.7,"body":"And if you're"},{"speaker":"Robby Peralta","startTime":1194.5,"endTime":1195.7,"body":"allowed to tell me, how do you"},{"speaker":"Robby Peralta","startTime":1195.7,"endTime":1197.86,"body":"even go about figuring this"},{"speaker":"Robby Peralta","startTime":1195.7,"endTime":1197.86,"body":"stuff out?"},{"speaker":"Sebastian Takle","startTime":1198.35,"endTime":1201.29,"body":"it you know, so"},{"speaker":"Sebastian Takle","startTime":1198.35,"endTime":1201.29,"body":"it's, it's That's a lot of"},{"speaker":"Sebastian Takle","startTime":1201.29,"endTime":1203.69,"body":"cooperation, as I thought, you"},{"speaker":"Sebastian Takle","startTime":1201.29,"endTime":1203.69,"body":"know, you can break this down"},{"speaker":"Sebastian Takle","startTime":1203.69,"endTime":1206.15,"body":"into several different aspects."},{"speaker":"Sebastian Takle","startTime":1203.69,"endTime":1206.15,"body":"The one thing is obviously, that"},{"speaker":"Sebastian Takle","startTime":1206.15,"endTime":1208.64,"body":"I get a lot of information from"},{"speaker":"Sebastian Takle","startTime":1206.15,"endTime":1208.64,"body":"FC three, right where I'm"},{"speaker":"Sebastian Takle","startTime":1208.64,"endTime":1211.37,"body":"sitting, there's an awful lot of"},{"speaker":"Sebastian Takle","startTime":1208.64,"endTime":1211.37,"body":"data going through our systems."},{"speaker":"Sebastian Takle","startTime":1211.7,"endTime":1214.94,"body":"And you can sort of extract"},{"speaker":"Sebastian Takle","startTime":1211.7,"endTime":1214.94,"body":"quite a lot of useful"},{"speaker":"Sebastian Takle","startTime":1214.94,"endTime":1217.58,"body":"information from that, then"},{"speaker":"Sebastian Takle","startTime":1214.94,"endTime":1217.58,"body":"there's an awful lot of open"},{"speaker":"Sebastian Takle","startTime":1217.58,"endTime":1222.62,"body":"source information out there,"},{"speaker":"Sebastian Takle","startTime":1217.58,"endTime":1222.62,"body":"that the useful and a lot of my"},{"speaker":"Sebastian Takle","startTime":1222.62,"endTime":1226.67,"body":"time is used, reading Open"},{"speaker":"Sebastian Takle","startTime":1222.62,"endTime":1226.67,"body":"Source Intelligence and sort of"},{"speaker":"Sebastian Takle","startTime":1226.91,"endTime":1230.66,"body":"working out how is this relevant"},{"speaker":"Sebastian Takle","startTime":1226.91,"endTime":1230.66,"body":"to me? And where can we sort of"},{"speaker":"Sebastian Takle","startTime":1230.66,"endTime":1233.9,"body":"find connections between what"},{"speaker":"Sebastian Takle","startTime":1230.66,"endTime":1233.9,"body":"other people are seeing and, and"},{"speaker":"Sebastian Takle","startTime":1233.9,"endTime":1238.4,"body":"what what what's hitting us. And"},{"speaker":"Sebastian Takle","startTime":1233.9,"endTime":1238.4,"body":"then after that, it's all down"},{"speaker":"Sebastian Takle","startTime":1238.4,"endTime":1242.0,"body":"to cooperation, right? So I"},{"speaker":"Sebastian Takle","startTime":1238.4,"endTime":1242.0,"body":"mean, we work closely with all"},{"speaker":"Sebastian Takle","startTime":1242.0,"endTime":1245.15,"body":"other more or less all other"},{"speaker":"Sebastian Takle","startTime":1242.0,"endTime":1245.15,"body":"financial institutions in the"},{"speaker":"Sebastian Takle","startTime":1245.15,"endTime":1248.27,"body":"Nordics. We'll good working"},{"speaker":"Sebastian Takle","startTime":1245.15,"endTime":1248.27,"body":"relationship on the security"},{"speaker":"Sebastian Takle","startTime":1248.27,"endTime":1251.06,"body":"side with them. And they're"},{"speaker":"Sebastian Takle","startTime":1248.27,"endTime":1251.06,"body":"obviously private security"},{"speaker":"Sebastian Takle","startTime":1251.06,"endTime":1254.9,"body":"companies that have input when,"},{"speaker":"Sebastian Takle","startTime":1251.06,"endTime":1254.9,"body":"when that's appropriate, and"},{"speaker":"Sebastian Takle","startTime":1254.9,"endTime":1258.11,"body":"they they know what they're"},{"speaker":"Sebastian Takle","startTime":1254.9,"endTime":1258.11,"body":"doing. And then we work closely"},{"speaker":"Sebastian Takle","startTime":1258.11,"endTime":1263.06,"body":"with the police, all branches of"},{"speaker":"Sebastian Takle","startTime":1258.11,"endTime":1263.06,"body":"the police. To the extent it's"},{"speaker":"Sebastian Takle","startTime":1263.06,"endTime":1266.99,"body":"possible, trying to help the"},{"speaker":"Sebastian Takle","startTime":1263.06,"endTime":1266.99,"body":"police understand what to"},{"speaker":"Sebastian Takle","startTime":1266.99,"endTime":1270.74,"body":"prioritize, and what kind of"},{"speaker":"Sebastian Takle","startTime":1266.99,"endTime":1270.74,"body":"information we have that we can"},{"speaker":"Sebastian Takle","startTime":1270.74,"endTime":1273.14,"body":"share with them, there is a"},{"speaker":"Sebastian Takle","startTime":1270.74,"endTime":1273.14,"body":"limit to what information we can"},{"speaker":"Sebastian Takle","startTime":1273.14,"endTime":1276.05,"body":"share with the police without a"},{"speaker":"Sebastian Takle","startTime":1273.14,"endTime":1276.05,"body":"court order. But when talking"},{"speaker":"Sebastian Takle","startTime":1276.05,"endTime":1278.6,"body":"about general trends and things"},{"speaker":"Sebastian Takle","startTime":1276.05,"endTime":1278.6,"body":"like that we can talk rather"},{"speaker":"Sebastian Takle","startTime":1278.6,"endTime":1281.93,"body":"freely. So obviously a good"},{"speaker":"Sebastian Takle","startTime":1278.6,"endTime":1281.93,"body":"cooperation with the police is"},{"speaker":"Sebastian Takle","startTime":1281.93,"endTime":1284.69,"body":"essential, or branches of them."},{"speaker":"Sebastian Takle","startTime":1281.93,"endTime":1284.69,"body":"And then whether you're talking"},{"speaker":"Sebastian Takle","startTime":1284.69,"endTime":1287.84,"body":"financial institutions or police"},{"speaker":"Sebastian Takle","startTime":1284.69,"endTime":1287.84,"body":"or private security companies,"},{"speaker":"Sebastian Takle","startTime":1288.05,"endTime":1292.07,"body":"you're obviously talking both"},{"speaker":"Sebastian Takle","startTime":1288.05,"endTime":1292.07,"body":"domestic and and abroad. So we"},{"speaker":"Sebastian Takle","startTime":1292.07,"endTime":1294.92,"body":"have good connections with law"},{"speaker":"Sebastian Takle","startTime":1292.07,"endTime":1294.92,"body":"enforcement abroad as well, and,"},{"speaker":"Sebastian Takle","startTime":1295.31,"endTime":1298.55,"body":"and also other financial"},{"speaker":"Sebastian Takle","startTime":1295.31,"endTime":1298.55,"body":"institutions. And it's sort of"},{"speaker":"Sebastian Takle","startTime":1298.55,"endTime":1301.58,"body":"the combined efforts of all of"},{"speaker":"Sebastian Takle","startTime":1298.55,"endTime":1301.58,"body":"that will, surprisingly enough"},{"speaker":"Sebastian Takle","startTime":1301.58,"endTime":1304.55,"body":"to give you more information, I"},{"speaker":"Sebastian Takle","startTime":1301.58,"endTime":1304.55,"body":"think, yeah, the you know,"},{"speaker":"Sebastian Takle","startTime":1304.73,"endTime":1309.62,"body":"information is out there in"},{"speaker":"Sebastian Takle","startTime":1304.73,"endTime":1309.62,"body":"2020. The problem usually isn't,"},{"speaker":"Sebastian Takle","startTime":1309.95,"endTime":1313.37,"body":"isn't finding information. It's,"},{"speaker":"Sebastian Takle","startTime":1309.95,"endTime":1313.37,"body":"it's understanding how credible"},{"speaker":"Sebastian Takle","startTime":1313.37,"endTime":1317.6,"body":"it is. And it's finding out"},{"speaker":"Sebastian Takle","startTime":1313.37,"endTime":1317.6,"body":"where it's hidden in a in a"},{"speaker":"Sebastian Takle","startTime":1317.63,"endTime":1321.26,"body":"large heap of information. So"},{"speaker":"Sebastian Takle","startTime":1317.63,"endTime":1321.26,"body":"that's, that's usually our"},{"speaker":"Sebastian Takle","startTime":1321.26,"endTime":1321.59,"body":"issue."},{"speaker":"Sebastian Takle","startTime":1339.98,"endTime":1344.09,"body":"Absolutely,"},{"speaker":"Sebastian Takle","startTime":1339.98,"endTime":1344.09,"body":"yeah. So I think I'm just gonna"},{"speaker":"Sebastian Takle","startTime":1344.09,"endTime":1346.88,"body":"take a quick step back, if I if"},{"speaker":"Sebastian Takle","startTime":1344.09,"endTime":1346.88,"body":"I can just take a quick step"},{"speaker":"Sebastian Takle","startTime":1346.88,"endTime":1348.77,"body":"back from there, I think that"},{"speaker":"Sebastian Takle","startTime":1346.88,"endTime":1348.77,"body":"it's important to understand"},{"speaker":"Sebastian Takle","startTime":1348.77,"endTime":1353.69,"body":"that when you're looking at"},{"speaker":"Sebastian Takle","startTime":1348.77,"endTime":1353.69,"body":"these threat actors, they're not"},{"speaker":"Sebastian Takle","startTime":1353.69,"endTime":1356.81,"body":"just involved in one type of"},{"speaker":"Sebastian Takle","startTime":1353.69,"endTime":1356.81,"body":"thing. That would make our life"},{"speaker":"Sebastian Takle","startTime":1356.81,"endTime":1360.74,"body":"very easy, wouldn't it if if"},{"speaker":"Sebastian Takle","startTime":1356.81,"endTime":1360.74,"body":"Group A did ransomware, and"},{"speaker":"Sebastian Takle","startTime":1360.74,"endTime":1363.11,"body":"that's sort of what they did."},{"speaker":"Sebastian Takle","startTime":1360.74,"endTime":1363.11,"body":"And they stuck to that, and they"},{"speaker":"Sebastian Takle","startTime":1363.11,"endTime":1365.36,"body":"didn't tell anyone else what"},{"speaker":"Sebastian Takle","startTime":1363.11,"endTime":1365.36,"body":"they were doing or how they were"},{"speaker":"Sebastian Takle","startTime":1365.36,"endTime":1369.53,"body":"doing it, that will make our"},{"speaker":"Sebastian Takle","startTime":1365.36,"endTime":1369.53,"body":"life very easy. And the reality"},{"speaker":"Sebastian Takle","startTime":1369.53,"endTime":1373.64,"body":"is just that's not what's going"},{"speaker":"Sebastian Takle","startTime":1369.53,"endTime":1373.64,"body":"on at all. So firstly, we know"},{"speaker":"Sebastian Takle","startTime":1373.64,"endTime":1376.49,"body":"that within the sort of"},{"speaker":"Sebastian Takle","startTime":1373.64,"endTime":1376.49,"body":"financial crimes fair, a group"},{"speaker":"Sebastian Takle","startTime":1376.49,"endTime":1379.4,"body":"that's involved in one type of"},{"speaker":"Sebastian Takle","startTime":1376.49,"endTime":1379.4,"body":"financial crime, for example,"},{"speaker":"Sebastian Takle","startTime":1379.49,"endTime":1382.55,"body":"love scams or investment fraud"},{"speaker":"Sebastian Takle","startTime":1379.49,"endTime":1382.55,"body":"or something, they will also be"},{"speaker":"Sebastian Takle","startTime":1382.55,"endTime":1386.15,"body":"involved in other types of"},{"speaker":"Sebastian Takle","startTime":1382.55,"endTime":1386.15,"body":"financial crime. And at the very"},{"speaker":"Sebastian Takle","startTime":1386.15,"endTime":1389.36,"body":"least, they will obviously also"},{"speaker":"Sebastian Takle","startTime":1386.15,"endTime":1389.36,"body":"be involved in money laundering,"},{"speaker":"Sebastian Takle","startTime":1389.36,"endTime":1391.73,"body":"right? So because at some point,"},{"speaker":"Sebastian Takle","startTime":1389.36,"endTime":1391.73,"body":"they need to be able to use"},{"speaker":"Sebastian Takle","startTime":1391.73,"endTime":1395.99,"body":"these, these profits they've"},{"speaker":"Sebastian Takle","startTime":1391.73,"endTime":1395.99,"body":"made so. So that's sort of the"},{"speaker":"Sebastian Takle","startTime":1395.99,"endTime":1400.07,"body":"first aspect that when you find"},{"speaker":"Sebastian Takle","startTime":1395.99,"endTime":1400.07,"body":"one type of financial crime, or"},{"speaker":"Sebastian Takle","startTime":1400.52,"endTime":1404.03,"body":"I don't know if cyber crime is"},{"speaker":"Sebastian Takle","startTime":1400.52,"endTime":1404.03,"body":"correct, or internet enabled"},{"speaker":"Sebastian Takle","startTime":1404.03,"endTime":1406.85,"body":"crime or something like that,"},{"speaker":"Sebastian Takle","startTime":1404.03,"endTime":1406.85,"body":"that I think maybe Europol calls"},{"speaker":"Sebastian Takle","startTime":1406.85,"endTime":1410.21,"body":"it but but wherever you are, in"},{"speaker":"Sebastian Takle","startTime":1406.85,"endTime":1410.21,"body":"that sphere, people are going to"},{"speaker":"Sebastian Takle","startTime":1410.21,"endTime":1413.42,"body":"be involved in more than one"},{"speaker":"Sebastian Takle","startTime":1410.21,"endTime":1413.42,"body":"thing. And then of course, the"},{"speaker":"Sebastian Takle","startTime":1413.42,"endTime":1416.33,"body":"interesting aspect for me taking"},{"speaker":"Sebastian Takle","startTime":1413.42,"endTime":1416.33,"body":"a step back from that, again, is"},{"speaker":"Sebastian Takle","startTime":1416.33,"endTime":1419.0,"body":"that, you know, we're talking"},{"speaker":"Sebastian Takle","startTime":1416.33,"endTime":1419.0,"body":"primarily about organized"},{"speaker":"Sebastian Takle","startTime":1419.0,"endTime":1422.69,"body":"criminal groups. Okay, so"},{"speaker":"Sebastian Takle","startTime":1419.0,"endTime":1422.69,"body":"organized crime, do they stick"},{"speaker":"Sebastian Takle","startTime":1422.69,"endTime":1425.51,"body":"to one thing is that is that"},{"speaker":"Sebastian Takle","startTime":1422.69,"endTime":1425.51,"body":"their sort of modus operandi? Do"},{"speaker":"Sebastian Takle","startTime":1425.51,"endTime":1428.45,"body":"they have a silo? And you know,"},{"speaker":"Sebastian Takle","startTime":1425.51,"endTime":1428.45,"body":"okay, so we're an organized"},{"speaker":"Sebastian Takle","startTime":1428.45,"endTime":1431.63,"body":"criminal group. And, you know,"},{"speaker":"Sebastian Takle","startTime":1428.45,"endTime":1431.63,"body":"we do human trafficking, that's,"},{"speaker":"Sebastian Takle","startTime":1431.63,"endTime":1435.53,"body":"that's where we, we work? Well,"},{"speaker":"Sebastian Takle","startTime":1431.63,"endTime":1435.53,"body":"we work financial grind? And the"},{"speaker":"Sebastian Takle","startTime":1435.53,"endTime":1438.26,"body":"answer is no, that's not how"},{"speaker":"Sebastian Takle","startTime":1435.53,"endTime":1438.26,"body":"that works at all, either, you"},{"speaker":"Sebastian Takle","startTime":1438.26,"endTime":1441.71,"body":"know, organized criminal groups,"},{"speaker":"Sebastian Takle","startTime":1438.26,"endTime":1441.71,"body":"they try to make the most profit"},{"speaker":"Sebastian Takle","startTime":1441.71,"endTime":1445.49,"body":"and in the shortest amount of"},{"speaker":"Sebastian Takle","startTime":1441.71,"endTime":1445.49,"body":"time, getting caught. Yeah. And"},{"speaker":"Sebastian Takle","startTime":1445.49,"endTime":1448.28,"body":"therefore, they'll be involved"},{"speaker":"Sebastian Takle","startTime":1445.49,"endTime":1448.28,"body":"in several different things. So"},{"speaker":"Sebastian Takle","startTime":1448.49,"endTime":1451.07,"body":"you look at the groups involved"},{"speaker":"Sebastian Takle","startTime":1448.49,"endTime":1451.07,"body":"in financial crime, they're also"},{"speaker":"Sebastian Takle","startTime":1451.07,"endTime":1453.86,"body":"going to be involved in, you"},{"speaker":"Sebastian Takle","startTime":1451.07,"endTime":1453.86,"body":"know, possibly narcotics"},{"speaker":"Sebastian Takle","startTime":1453.89,"endTime":1457.43,"body":"weapons. Human trafficking is"},{"speaker":"Sebastian Takle","startTime":1453.89,"endTime":1457.43,"body":"huge at the moment, you're hard"},{"speaker":"Sebastian Takle","startTime":1457.43,"endTime":1460.7,"body":"pressed, you know, there are"},{"speaker":"Sebastian Takle","startTime":1457.43,"endTime":1460.7,"body":"lots of groups involved in that."},{"speaker":"Sebastian Takle","startTime":1461.06,"endTime":1464.51,"body":"And then you have the terror"},{"speaker":"Sebastian Takle","startTime":1461.06,"endTime":1464.51,"body":"financing or actual terror"},{"speaker":"Sebastian Takle","startTime":1464.51,"endTime":1469.22,"body":"activities, you know, as well,"},{"speaker":"Sebastian Takle","startTime":1464.51,"endTime":1469.22,"body":"that will happen, you know,"},{"speaker":"Sebastian Takle","startTime":1469.22,"endTime":1473.99,"body":"again, mostly indirectly, but"},{"speaker":"Sebastian Takle","startTime":1469.22,"endTime":1473.99,"body":"still there. So you end up with"},{"speaker":"Sebastian Takle","startTime":1473.99,"endTime":1477.95,"body":"a situation where groups aren't"},{"speaker":"Sebastian Takle","startTime":1473.99,"endTime":1477.95,"body":"just involved in one thing that"},{"speaker":"Sebastian Takle","startTime":1477.95,"endTime":1480.2,"body":"there'll be involved in a host"},{"speaker":"Sebastian Takle","startTime":1477.95,"endTime":1480.2,"body":"of different criminal"},{"speaker":"Sebastian Takle","startTime":1480.2,"endTime":1482.99,"body":"activities. And they'll also"},{"speaker":"Sebastian Takle","startTime":1480.2,"endTime":1482.99,"body":"have connections to other"},{"speaker":"Sebastian Takle","startTime":1482.99,"endTime":1486.05,"body":"organized criminal groups that"},{"speaker":"Sebastian Takle","startTime":1482.99,"endTime":1486.05,"body":"again, will be involved in other"},{"speaker":"Sebastian Takle","startTime":1486.05,"endTime":1490.64,"body":"things. So if you follow the"},{"speaker":"Sebastian Takle","startTime":1486.05,"endTime":1490.64,"body":"money through this, you're gonna"},{"speaker":"Sebastian Takle","startTime":1490.64,"endTime":1494.72,"body":"find connections to a lot more"},{"speaker":"Sebastian Takle","startTime":1490.64,"endTime":1494.72,"body":"things than fraud, which people"},{"speaker":"Sebastian Takle","startTime":1494.72,"endTime":1498.35,"body":"might not think are so it might"},{"speaker":"Sebastian Takle","startTime":1494.72,"endTime":1498.35,"body":"not be the most serious of"},{"speaker":"Sebastian Takle","startTime":1498.35,"endTime":1501.8,"body":"crimes to most people. And I"},{"speaker":"Sebastian Takle","startTime":1498.35,"endTime":1501.8,"body":"would Completely agree with"},{"speaker":"Sebastian Takle","startTime":1501.8,"endTime":1506.36,"body":"that, you know that that's not"},{"speaker":"Sebastian Takle","startTime":1501.8,"endTime":1506.36,"body":"necessarily the most, the place"},{"speaker":"Sebastian Takle","startTime":1506.36,"endTime":1511.94,"body":"that is natural to focus on. So,"},{"speaker":"Sebastian Takle","startTime":1506.36,"endTime":1511.94,"body":"but I but I think that, you"},{"speaker":"Sebastian Takle","startTime":1511.94,"endTime":1515.57,"body":"know, we have a tendency to, you"},{"speaker":"Sebastian Takle","startTime":1511.94,"endTime":1515.57,"body":"know, if FC three is going to"},{"speaker":"Sebastian Takle","startTime":1515.57,"endTime":1518.81,"body":"work as efficiently as possible,"},{"speaker":"Sebastian Takle","startTime":1515.57,"endTime":1518.81,"body":"we need to sit together in a"},{"speaker":"Sebastian Takle","startTime":1518.81,"endTime":1520.97,"body":"team that works with the same"},{"speaker":"Sebastian Takle","startTime":1518.81,"endTime":1520.97,"body":"thing. And we need to"},{"speaker":"Sebastian Takle","startTime":1520.97,"endTime":1523.97,"body":"communicate only in a small"},{"speaker":"Sebastian Takle","startTime":1520.97,"endTime":1523.97,"body":"group, right. And, you know,"},{"speaker":"Sebastian Takle","startTime":1523.97,"endTime":1527.18,"body":"that's a cool way of saying we"},{"speaker":"Sebastian Takle","startTime":1523.97,"endTime":1527.18,"body":"need to build a silo with with"},{"speaker":"Sebastian Takle","startTime":1527.18,"endTime":1530.66,"body":"FC three. And it's right when"},{"speaker":"Sebastian Takle","startTime":1527.18,"endTime":1530.66,"body":"you leave us alone to do our"},{"speaker":"Sebastian Takle","startTime":1530.66,"endTime":1534.14,"body":"work. And most people have to"},{"speaker":"Sebastian Takle","startTime":1530.66,"endTime":1534.14,"body":"work as efficiently as possible"},{"speaker":"Sebastian Takle","startTime":1534.14,"endTime":1536.54,"body":"in 2020, there's not enough"},{"speaker":"Sebastian Takle","startTime":1534.14,"endTime":1536.54,"body":"money to do sort of throw it"},{"speaker":"Sebastian Takle","startTime":1536.54,"endTime":1539.15,"body":"around. And therefore, that's"},{"speaker":"Sebastian Takle","startTime":1536.54,"endTime":1539.15,"body":"where you get, you get small"},{"speaker":"Sebastian Takle","startTime":1539.15,"endTime":1542.27,"body":"groups of people working very"},{"speaker":"Sebastian Takle","startTime":1539.15,"endTime":1542.27,"body":"tightly with and communicating"},{"speaker":"Sebastian Takle","startTime":1542.27,"endTime":1545.0,"body":"entirely in their group. And I"},{"speaker":"Sebastian Takle","startTime":1542.27,"endTime":1545.0,"body":"don't think that's necessarily a"},{"speaker":"Sebastian Takle","startTime":1545.0,"endTime":1548.3,"body":"purely bad thing. That's, that's"},{"speaker":"Sebastian Takle","startTime":1545.0,"endTime":1548.3,"body":"how it has to be. But the"},{"speaker":"Sebastian Takle","startTime":1548.3,"endTime":1551.45,"body":"problem with these silos is that"},{"speaker":"Sebastian Takle","startTime":1548.3,"endTime":1551.45,"body":"the criminals don't care about"},{"speaker":"Sebastian Takle","startTime":1551.45,"endTime":1554.51,"body":"them at all right? It makes no"},{"speaker":"Sebastian Takle","startTime":1551.45,"endTime":1554.51,"body":"difference to them. Like we've"},{"speaker":"Sebastian Takle","startTime":1554.51,"endTime":1556.91,"body":"already said, they're just going"},{"speaker":"Sebastian Takle","startTime":1554.51,"endTime":1556.91,"body":"to try to maximize their profits"},{"speaker":"Sebastian Takle","startTime":1556.91,"endTime":1559.7,"body":"in the shortest amount of time,"},{"speaker":"Sebastian Takle","startTime":1556.91,"endTime":1559.7,"body":"you know, how do we get to go"},{"speaker":"Sebastian Takle","startTime":1559.73,"endTime":1562.88,"body":"with as much cash as possible,"},{"speaker":"Sebastian Takle","startTime":1559.73,"endTime":1562.88,"body":"that's what they get. And the"},{"speaker":"Sebastian Takle","startTime":1562.88,"endTime":1566.3,"body":"reality is that even in things"},{"speaker":"Sebastian Takle","startTime":1562.88,"endTime":1566.3,"body":"that will be primarily financial"},{"speaker":"Sebastian Takle","startTime":1566.3,"endTime":1570.29,"body":"crime, for example, they're"},{"speaker":"Sebastian Takle","startTime":1566.3,"endTime":1570.29,"body":"still gonna pass through often"},{"speaker":"Sebastian Takle","startTime":1570.29,"endTime":1572.51,"body":"things that have to do with"},{"speaker":"Sebastian Takle","startTime":1570.29,"endTime":1572.51,"body":"physical security, or they're"},{"speaker":"Sebastian Takle","startTime":1572.51,"endTime":1575.09,"body":"gonna pass you things that have"},{"speaker":"Sebastian Takle","startTime":1572.51,"endTime":1575.09,"body":"to do with digital defense,"},{"speaker":"Sebastian Takle","startTime":1575.09,"endTime":1578.75,"body":"right, and cyber defense, and"},{"speaker":"Sebastian Takle","startTime":1575.09,"endTime":1578.75,"body":"therefore communication outside"},{"speaker":"Sebastian Takle","startTime":1578.75,"endTime":1581.51,"body":"of your group, through for"},{"speaker":"Sebastian Takle","startTime":1578.75,"endTime":1581.51,"body":"example, our threat intelligence"},{"speaker":"Sebastian Takle","startTime":1581.51,"endTime":1585.08,"body":"group becomes so important,"},{"speaker":"Sebastian Takle","startTime":1581.51,"endTime":1585.08,"body":"because despite us having to"},{"speaker":"Sebastian Takle","startTime":1585.08,"endTime":1588.35,"body":"sort of constrain ourselves to"},{"speaker":"Sebastian Takle","startTime":1585.08,"endTime":1588.35,"body":"these silos, the criminals,"},{"speaker":"Sebastian Takle","startTime":1588.35,"endTime":1591.05,"body":"absolutely no intention of doing"},{"speaker":"Sebastian Takle","startTime":1588.35,"endTime":1591.05,"body":"that at all."},{"speaker":"Robby Peralta","startTime":1591.63,"endTime":1592.8,"body":"Yeah, they love"},{"speaker":"Robby Peralta","startTime":1591.63,"endTime":1592.8,"body":"it when you guys don't talk"},{"speaker":"Robby Peralta","startTime":1592.8,"endTime":1593.07,"body":"together."},{"speaker":"Sebastian Takle","startTime":1593.07,"endTime":1595.29,"body":"Yeah, that's,"},{"speaker":"Sebastian Takle","startTime":1593.07,"endTime":1595.29,"body":"that's without a doubt where"},{"speaker":"Sebastian Takle","startTime":1595.29,"endTime":1599.31,"body":"their profit possibility lies."},{"speaker":"Sebastian Takle","startTime":1595.29,"endTime":1599.31,"body":"And, and I think that that's one"},{"speaker":"Sebastian Takle","startTime":1599.31,"endTime":1602.37,"body":"of the biggest things criminals"},{"speaker":"Sebastian Takle","startTime":1599.31,"endTime":1602.37,"body":"have understood is that if you"},{"speaker":"Sebastian Takle","startTime":1602.37,"endTime":1605.88,"body":"just cross a few borders, while"},{"speaker":"Sebastian Takle","startTime":1602.37,"endTime":1605.88,"body":"committing crime, then you're"},{"speaker":"Sebastian Takle","startTime":1605.88,"endTime":1608.67,"body":"you're fairly safe, right?"},{"speaker":"Sebastian Takle","startTime":1605.88,"endTime":1608.67,"body":"Because it's so difficult for"},{"speaker":"Sebastian Takle","startTime":1608.67,"endTime":1612.63,"body":"police to, to communicate, so"},{"speaker":"Sebastian Takle","startTime":1608.67,"endTime":1612.63,"body":"resource intensive for them to"},{"speaker":"Sebastian Takle","startTime":1612.63,"endTime":1616.47,"body":"communicate cross border, that"},{"speaker":"Sebastian Takle","startTime":1612.63,"endTime":1616.47,"body":"if you cross enough borders with"},{"speaker":"Sebastian Takle","startTime":1616.47,"endTime":1618.84,"body":"a small enough amount of cash"},{"speaker":"Sebastian Takle","startTime":1616.47,"endTime":1618.84,"body":"each time, then you're going to"},{"speaker":"Sebastian Takle","startTime":1618.84,"endTime":1622.23,"body":"be fairly, fairly safe, because"},{"speaker":"Sebastian Takle","startTime":1618.84,"endTime":1622.23,"body":"we don't talk together."},{"speaker":"Sebastian Takle","startTime":1643.49,"endTime":1646.34,"body":"Yeah, so"},{"speaker":"Sebastian Takle","startTime":1643.49,"endTime":1646.34,"body":"that's, there are no, we're not"},{"speaker":"Sebastian Takle","startTime":1646.34,"endTime":1651.92,"body":"gonna tell you that? No. Yeah,"},{"speaker":"Sebastian Takle","startTime":1646.34,"endTime":1651.92,"body":"no, there are several ways they"},{"speaker":"Sebastian Takle","startTime":1651.92,"endTime":1655.88,"body":"do that they have some quiet,"},{"speaker":"Sebastian Takle","startTime":1651.92,"endTime":1655.88,"body":"they have some quite extensive"},{"speaker":"Sebastian Takle","startTime":1655.88,"endTime":1660.23,"body":"money laundering operations run,"},{"speaker":"Sebastian Takle","startTime":1655.88,"endTime":1660.23,"body":"frankly, quite impressive. I"},{"speaker":"Sebastian Takle","startTime":1660.23,"endTime":1662.72,"body":"mean, you, you do have to take"},{"speaker":"Sebastian Takle","startTime":1660.23,"endTime":1662.72,"body":"your hat off to some of these,"},{"speaker":"Sebastian Takle","startTime":1662.96,"endTime":1665.81,"body":"some of these groups once in a"},{"speaker":"Sebastian Takle","startTime":1662.96,"endTime":1665.81,"body":"while, when you look at the"},{"speaker":"Sebastian Takle","startTime":1665.81,"endTime":1669.83,"body":"level of sophistication that"},{"speaker":"Sebastian Takle","startTime":1665.81,"endTime":1669.83,"body":"they they actually managed to"},{"speaker":"Sebastian Takle","startTime":1670.28,"endTime":1673.46,"body":"put into some of their scams,"},{"speaker":"Sebastian Takle","startTime":1670.28,"endTime":1673.46,"body":"you know, and that can be"},{"speaker":"Sebastian Takle","startTime":1673.46,"endTime":1677.03,"body":"anything from I mean, we've seen"},{"speaker":"Sebastian Takle","startTime":1673.46,"endTime":1677.03,"body":"a lot of money go to Hong Kong"},{"speaker":"Sebastian Takle","startTime":1677.03,"endTime":1680.57,"body":"and China, we've seen and, you"},{"speaker":"Sebastian Takle","startTime":1677.03,"endTime":1680.57,"body":"know, we question sort of, okay,"},{"speaker":"Sebastian Takle","startTime":1680.57,"endTime":1684.95,"body":"but how do you, how do you get"},{"speaker":"Sebastian Takle","startTime":1680.57,"endTime":1684.95,"body":"your money? You know, okay, you"},{"speaker":"Sebastian Takle","startTime":1684.95,"endTime":1688.04,"body":"send it there, and it might be a"},{"speaker":"Sebastian Takle","startTime":1684.95,"endTime":1688.04,"body":"fairly locked system, but how do"},{"speaker":"Sebastian Takle","startTime":1688.04,"endTime":1692.12,"body":"you get it out again, and there,"},{"speaker":"Sebastian Takle","startTime":1688.04,"endTime":1692.12,"body":"there have been examples of, you"},{"speaker":"Sebastian Takle","startTime":1692.12,"endTime":1696.56,"body":"know, Chinese organized crime,"},{"speaker":"Sebastian Takle","startTime":1692.12,"endTime":1696.56,"body":"sending people, you know,"},{"speaker":"Sebastian Takle","startTime":1696.56,"endTime":1699.83,"body":"keeping the money, but sending"},{"speaker":"Sebastian Takle","startTime":1696.56,"endTime":1699.83,"body":"people abroad to build, you"},{"speaker":"Sebastian Takle","startTime":1699.83,"endTime":1703.01,"body":"know, skyscrapers and hotels and"},{"speaker":"Sebastian Takle","startTime":1699.83,"endTime":1703.01,"body":"things like that for the for the"},{"speaker":"Sebastian Takle","startTime":1703.01,"endTime":1706.58,"body":"criminals abroad. So you never"},{"speaker":"Sebastian Takle","startTime":1703.01,"endTime":1706.58,"body":"have to actually move the money"},{"speaker":"Sebastian Takle","startTime":1706.58,"endTime":1709.52,"body":"out again, they end up with"},{"speaker":"Sebastian Takle","startTime":1706.58,"endTime":1709.52,"body":"property where they're sitting"},{"speaker":"Sebastian Takle","startTime":1709.52,"endTime":1713.66,"body":"and the organized criminal"},{"speaker":"Sebastian Takle","startTime":1709.52,"endTime":1713.66,"body":"groups in in China will keep"},{"speaker":"Sebastian Takle","startTime":1713.66,"endTime":1719.12,"body":"them. Right. And the person who"},{"speaker":"Sebastian Takle","startTime":1713.66,"endTime":1719.12,"body":"really loses out is the the"},{"speaker":"Sebastian Takle","startTime":1719.12,"endTime":1722.3,"body":"person who lost the money in the"},{"speaker":"Sebastian Takle","startTime":1719.12,"endTime":1722.3,"body":"first place. Yeah. And the the"},{"speaker":"Sebastian Takle","startTime":1722.3,"endTime":1726.47,"body":"poor people sent by organized"},{"speaker":"Sebastian Takle","startTime":1722.3,"endTime":1726.47,"body":"crime abroad to build these"},{"speaker":"Sebastian Takle","startTime":1726.47,"endTime":1729.29,"body":"buildings and hotels and what"},{"speaker":"Sebastian Takle","startTime":1726.47,"endTime":1729.29,"body":"have you, because obviously,"},{"speaker":"Sebastian Takle","startTime":1729.29,"endTime":1732.44,"body":"they're, they're not paid a lot"},{"speaker":"Sebastian Takle","startTime":1729.29,"endTime":1732.44,"body":"to do this. their their their"},{"speaker":"Sebastian Takle","startTime":1732.44,"endTime":1736.49,"body":"families are back home. And,"},{"speaker":"Sebastian Takle","startTime":1732.44,"endTime":1736.49,"body":"yeah, so it's sort of an so"},{"speaker":"Sebastian Takle","startTime":1736.49,"endTime":1740.45,"body":"there are a lot, there are a lot"},{"speaker":"Sebastian Takle","startTime":1736.49,"endTime":1740.45,"body":"of a lot of ways organized"},{"speaker":"Sebastian Takle","startTime":1740.45,"endTime":1743.27,"body":"crime, will, will will launder"},{"speaker":"Sebastian Takle","startTime":1740.45,"endTime":1743.27,"body":"money. We've seen everything"},{"speaker":"Sebastian Takle","startTime":1743.27,"endTime":1747.44,"body":"from that we've seen the during"},{"speaker":"Sebastian Takle","startTime":1743.27,"endTime":1747.44,"body":"the COVID-19 crisis, some old"},{"speaker":"Sebastian Takle","startTime":1747.47,"endTime":1750.86,"body":"narcotics money laundering"},{"speaker":"Sebastian Takle","startTime":1747.47,"endTime":1750.86,"body":"channels were opened up again to"},{"speaker":"Sebastian Takle","startTime":1750.86,"endTime":1755.36,"body":"handle cyber enabled crime or"},{"speaker":"Sebastian Takle","startTime":1750.86,"endTime":1755.36,"body":"fraud and things like that,"},{"speaker":"Sebastian Takle","startTime":1755.51,"endTime":1758.66,"body":"because some of their usual"},{"speaker":"Sebastian Takle","startTime":1755.51,"endTime":1758.66,"body":"channels for money laundering"},{"speaker":"Sebastian Takle","startTime":1758.66,"endTime":1761.09,"body":"went down due to COVID-19. And"},{"speaker":"Sebastian Takle","startTime":1758.66,"endTime":1761.09,"body":"you know, then they're like,"},{"speaker":"Sebastian Takle","startTime":1761.21,"endTime":1764.69,"body":"Okay, what do we do now? Well,"},{"speaker":"Sebastian Takle","startTime":1761.21,"endTime":1764.69,"body":"you know, we've used these"},{"speaker":"Sebastian Takle","startTime":1764.69,"endTime":1767.81,"body":"channels for money laundering,"},{"speaker":"Sebastian Takle","startTime":1764.69,"endTime":1767.81,"body":"when it comes to narcotics for"},{"speaker":"Sebastian Takle","startTime":1767.81,"endTime":1770.48,"body":"years, why don't we just pick up"},{"speaker":"Sebastian Takle","startTime":1767.81,"endTime":1770.48,"body":"that trail and start funneling"},{"speaker":"Sebastian Takle","startTime":1770.99,"endTime":1774.89,"body":"fraudulent funds through there"},{"speaker":"Sebastian Takle","startTime":1770.99,"endTime":1774.89,"body":"instead. So they're very good at"},{"speaker":"Sebastian Takle","startTime":1774.89,"endTime":1778.97,"body":"finding ways to launder money,"},{"speaker":"Sebastian Takle","startTime":1774.89,"endTime":1778.97,"body":"whether it be whether it be by"},{"speaker":"Sebastian Takle","startTime":1779.48,"endTime":1783.68,"body":"exchanging cash for something"},{"speaker":"Sebastian Takle","startTime":1779.48,"endTime":1783.68,"body":"else, preventing funds being"},{"speaker":"Sebastian Takle","startTime":1783.68,"endTime":1787.31,"body":"moved, like in the case where"},{"speaker":"Sebastian Takle","startTime":1783.68,"endTime":1787.31,"body":"you build buildings, or using"},{"speaker":"Sebastian Takle","startTime":1787.31,"endTime":1793.16,"body":"old narcotics routes to too long"},{"speaker":"Sebastian Takle","startTime":1787.31,"endTime":1793.16,"body":"the funds, the exam, examples of"},{"speaker":"Sebastian Takle","startTime":1793.16,"endTime":1796.28,"body":"huge amounts of money being"},{"speaker":"Sebastian Takle","startTime":1793.16,"endTime":1796.28,"body":"taken out in cash and moved by"},{"speaker":"Sebastian Takle","startTime":1796.28,"endTime":1800.6,"body":"containers. There are you know,"},{"speaker":"Sebastian Takle","startTime":1796.28,"endTime":1800.6,"body":"there are there are a lot of A"},{"speaker":"Sebastian Takle","startTime":1800.6,"endTime":1805.76,"body":"lot of ways to skin that cat so"},{"speaker":"Sebastian Takle","startTime":1800.6,"endTime":1805.76,"body":"to speak. But the reality is"},{"speaker":"Sebastian Takle","startTime":1805.76,"endTime":1808.58,"body":"that they adapt them all the"},{"speaker":"Sebastian Takle","startTime":1805.76,"endTime":1808.58,"body":"time. And they find new ways of"},{"speaker":"Sebastian Takle","startTime":1808.97,"endTime":1812.18,"body":"avoiding detection at any point."},{"speaker":"Sebastian Takle","startTime":1808.97,"endTime":1812.18,"body":"And that's one of the most"},{"speaker":"Sebastian Takle","startTime":1812.18,"endTime":1814.28,"body":"important things when you're"},{"speaker":"Sebastian Takle","startTime":1812.18,"endTime":1814.28,"body":"assessing a threat actor, right"},{"speaker":"Sebastian Takle","startTime":1814.28,"endTime":1816.8,"body":"is, and one of the most"},{"speaker":"Sebastian Takle","startTime":1814.28,"endTime":1816.8,"body":"important things that struck me"},{"speaker":"Sebastian Takle","startTime":1816.8,"endTime":1819.68,"body":"when I started working with this"},{"speaker":"Sebastian Takle","startTime":1816.8,"endTime":1819.68,"body":"was a you spend an awful lot of"},{"speaker":"Sebastian Takle","startTime":1819.68,"endTime":1821.99,"body":"time and asking how they attack"},{"speaker":"Sebastian Takle","startTime":1819.68,"endTime":1821.99,"body":"you. And that'll tell you how to"},{"speaker":"Sebastian Takle","startTime":1821.99,"endTime":1825.59,"body":"implement some countermeasures."},{"speaker":"Sebastian Takle","startTime":1821.99,"endTime":1825.59,"body":"And that's great. But what I was"},{"speaker":"Sebastian Takle","startTime":1825.59,"endTime":1828.41,"body":"interested in was okay, but what"},{"speaker":"Sebastian Takle","startTime":1825.59,"endTime":1828.41,"body":"are these people gonna pose a"},{"speaker":"Sebastian Takle","startTime":1828.41,"endTime":1831.77,"body":"threat to us in two months? And"},{"speaker":"Sebastian Takle","startTime":1828.41,"endTime":1831.77,"body":"in two years, and in five years,"},{"speaker":"Sebastian Takle","startTime":1831.77,"endTime":1834.38,"body":"you know, what's the chances of"},{"speaker":"Sebastian Takle","startTime":1831.77,"endTime":1834.38,"body":"that happening? And, you know,"},{"speaker":"Sebastian Takle","startTime":1834.53,"endTime":1837.23,"body":"if I implement countermeasures,"},{"speaker":"Sebastian Takle","startTime":1834.53,"endTime":1837.23,"body":"now, is that sort of going to"},{"speaker":"Sebastian Takle","startTime":1837.47,"endTime":1840.32,"body":"throw them off? Or are they"},{"speaker":"Sebastian Takle","startTime":1837.47,"endTime":1840.32,"body":"going to spend 48 hours on"},{"speaker":"Sebastian Takle","startTime":1840.32,"endTime":1842.69,"body":"working out how to get around"},{"speaker":"Sebastian Takle","startTime":1840.32,"endTime":1842.69,"body":"those countermeasures? If we"},{"speaker":"Sebastian Takle","startTime":1842.69,"endTime":1846.59,"body":"work with the police, and they"},{"speaker":"Sebastian Takle","startTime":1842.69,"endTime":1846.59,"body":"arrest for people in Norway? It"},{"speaker":"Sebastian Takle","startTime":1846.59,"endTime":1849.35,"body":"doesn't mean their operations"},{"speaker":"Sebastian Takle","startTime":1846.59,"endTime":1849.35,"body":"are shut down? Or or does that"},{"speaker":"Sebastian Takle","startTime":1849.35,"endTime":1852.65,"body":"make absolutely no difference to"},{"speaker":"Sebastian Takle","startTime":1849.35,"endTime":1852.65,"body":"this group at all? And, and"},{"speaker":"Sebastian Takle","startTime":1852.65,"endTime":1856.37,"body":"things like that, an important"},{"speaker":"Sebastian Takle","startTime":1852.65,"endTime":1856.37,"body":"part of the the assessments we"},{"speaker":"Sebastian Takle","startTime":1856.37,"endTime":1859.43,"body":"make, and the reality is that in"},{"speaker":"Sebastian Takle","startTime":1856.37,"endTime":1859.43,"body":"a lot of cases, you see the"},{"speaker":"Sebastian Takle","startTime":1859.43,"endTime":1863.72,"body":"you're talking about very large,"},{"speaker":"Sebastian Takle","startTime":1859.43,"endTime":1863.72,"body":"very capable organized criminal"},{"speaker":"Sebastian Takle","startTime":1863.72,"endTime":1866.09,"body":"groups, international,"},{"speaker":"Sebastian Takle","startTime":1863.72,"endTime":1866.09,"body":"transnational, organized"},{"speaker":"Sebastian Takle","startTime":1866.09,"endTime":1870.68,"body":"criminal groups, where it takes"},{"speaker":"Sebastian Takle","startTime":1866.09,"endTime":1870.68,"body":"a lot to cut them off"},{"speaker":"Sebastian Takle","startTime":1870.68,"endTime":1874.52,"body":"completely. So it becomes more"},{"speaker":"Sebastian Takle","startTime":1870.68,"endTime":1874.52,"body":"about stopping and where you"},{"speaker":"Sebastian Takle","startTime":1874.52,"endTime":1877.01,"body":"can, and then a slight cat and"},{"speaker":"Sebastian Takle","startTime":1874.52,"endTime":1877.01,"body":"mouse thing from there now."},{"speaker":"Sebastian Takle","startTime":1877.07,"endTime":1877.37,"body":"Yeah,"},{"speaker":"Robby Peralta","startTime":1877.48,"endTime":1878.86,"body":"and I would"},{"speaker":"Robby Peralta","startTime":1877.48,"endTime":1878.86,"body":"assume it's kind of like the"},{"speaker":"Robby Peralta","startTime":1878.86,"endTime":1880.57,"body":"movies, right? When you catch"},{"speaker":"Robby Peralta","startTime":1878.86,"endTime":1880.57,"body":"somebody, when you actually get"},{"speaker":"Robby Peralta","startTime":1880.57,"endTime":1882.79,"body":"somebody red handed, they're"},{"speaker":"Robby Peralta","startTime":1880.57,"endTime":1882.79,"body":"kind of on the lower end of the"},{"speaker":"Robby Peralta","startTime":1882.79,"endTime":1886.42,"body":"scale, you don't get the the big"},{"speaker":"Robby Peralta","startTime":1882.79,"endTime":1886.42,"body":"bosses don't involve themselves?"},{"speaker":"Sebastian Takle","startTime":1886.0,"endTime":1890.08,"body":"they're very"},{"speaker":"Sebastian Takle","startTime":1886.0,"endTime":1890.08,"body":"good at at distancing"},{"speaker":"Sebastian Takle","startTime":1890.08,"endTime":1894.34,"body":"themselves. And I think that's"},{"speaker":"Sebastian Takle","startTime":1890.08,"endTime":1894.34,"body":"more or less exclusively the"},{"speaker":"Sebastian Takle","startTime":1894.34,"endTime":1897.91,"body":"case, we're saying there, it's"},{"speaker":"Sebastian Takle","startTime":1894.34,"endTime":1897.91,"body":"extremely rare that you'll"},{"speaker":"Sebastian Takle","startTime":1897.91,"endTime":1901.9,"body":"you'll walk in and catch someone"},{"speaker":"Sebastian Takle","startTime":1897.91,"endTime":1901.9,"body":"on the on the high end. And I"},{"speaker":"Sebastian Takle","startTime":1901.9,"endTime":1904.93,"body":"think that has to do with how"},{"speaker":"Sebastian Takle","startTime":1901.9,"endTime":1904.93,"body":"early in the process they"},{"speaker":"Sebastian Takle","startTime":1904.93,"endTime":1908.29,"body":"distance themselves from, from"},{"speaker":"Sebastian Takle","startTime":1904.93,"endTime":1908.29,"body":"what's going on. So"},{"speaker":"Sebastian Takle","startTime":1908.29,"endTime":1910.69,"body":"realistically, they're going to"},{"speaker":"Sebastian Takle","startTime":1908.29,"endTime":1910.69,"body":"distance themselves from this"},{"speaker":"Sebastian Takle","startTime":1910.93,"endTime":1915.01,"body":"extremely early on a long time"},{"speaker":"Sebastian Takle","startTime":1910.93,"endTime":1915.01,"body":"before anything illegal,"},{"speaker":"Sebastian Takle","startTime":1915.82,"endTime":1920.68,"body":"happens. And they're not going"},{"speaker":"Sebastian Takle","startTime":1915.82,"endTime":1920.68,"body":"to be involved with the money"},{"speaker":"Sebastian Takle","startTime":1920.68,"endTime":1924.97,"body":"again, until it's completely"},{"speaker":"Sebastian Takle","startTime":1920.68,"endTime":1924.97,"body":"clean, and not only clean, but"},{"speaker":"Sebastian Takle","startTime":1924.97,"endTime":1928.24,"body":"it won't even be in the form of"},{"speaker":"Sebastian Takle","startTime":1924.97,"endTime":1928.24,"body":"cash anymore, it will be in the"},{"speaker":"Sebastian Takle","startTime":1928.24,"endTime":1931.75,"body":"form of shares in a company"},{"speaker":"Sebastian Takle","startTime":1928.24,"endTime":1931.75,"body":"that's, you know, legal and"},{"speaker":"Sebastian Takle","startTime":1931.75,"endTime":1934.33,"body":"making a profit. And that's sort"},{"speaker":"Sebastian Takle","startTime":1931.75,"endTime":1934.33,"body":"of where they come in again. So"},{"speaker":"Sebastian Takle","startTime":1934.33,"endTime":1937.81,"body":"I think it's extremely difficult"},{"speaker":"Sebastian Takle","startTime":1934.33,"endTime":1937.81,"body":"to to get some of these, these"},{"speaker":"Sebastian Takle","startTime":1937.81,"endTime":1941.35,"body":"people and therefore, like I"},{"speaker":"Sebastian Takle","startTime":1937.81,"endTime":1941.35,"body":"said, again, the work preventing"},{"speaker":"Sebastian Takle","startTime":1941.35,"endTime":1945.22,"body":"them getting the funds in the"},{"speaker":"Sebastian Takle","startTime":1941.35,"endTime":1945.22,"body":"first place is where a lot of"},{"speaker":"Sebastian Takle","startTime":1945.22,"endTime":1947.83,"body":"this can be done. At the same"},{"speaker":"Sebastian Takle","startTime":1945.22,"endTime":1947.83,"body":"time, you know, I don't want to"},{"speaker":"Sebastian Takle","startTime":1947.83,"endTime":1951.79,"body":"sound to sort of defeat this"},{"speaker":"Sebastian Takle","startTime":1947.83,"endTime":1951.79,"body":"there. I think it's important"},{"speaker":"Sebastian Takle","startTime":1951.82,"endTime":1955.42,"body":"that international law"},{"speaker":"Sebastian Takle","startTime":1951.82,"endTime":1955.42,"body":"enforcement works together with,"},{"speaker":"Sebastian Takle","startTime":1955.42,"endTime":1959.14,"body":"for example, financial"},{"speaker":"Sebastian Takle","startTime":1955.42,"endTime":1959.14,"body":"institutions to try to get hold"},{"speaker":"Sebastian Takle","startTime":1959.14,"endTime":1962.17,"body":"of these, these organized"},{"speaker":"Sebastian Takle","startTime":1959.14,"endTime":1962.17,"body":"criminal groups. And there's no"},{"speaker":"Sebastian Takle","startTime":1962.17,"endTime":1966.04,"body":"doubt that the combined efforts"},{"speaker":"Sebastian Takle","startTime":1962.17,"endTime":1966.04,"body":"of law enforcement, financial"},{"speaker":"Sebastian Takle","startTime":1966.04,"endTime":1969.19,"body":"institutions and other third"},{"speaker":"Sebastian Takle","startTime":1966.04,"endTime":1969.19,"body":"parties, it definitely that's"},{"speaker":"Sebastian Takle","startTime":1969.19,"endTime":1972.94,"body":"how I mean, the amount of money"},{"speaker":"Sebastian Takle","startTime":1969.19,"endTime":1972.94,"body":"we've been able to sort of"},{"speaker":"Sebastian Takle","startTime":1973.57,"endTime":1977.23,"body":"prevent from going to these"},{"speaker":"Sebastian Takle","startTime":1973.57,"endTime":1977.23,"body":"organized criminal groups, in a"},{"speaker":"Sebastian Takle","startTime":1977.23,"endTime":1980.68,"body":"fairly sort of short time period"},{"speaker":"Sebastian Takle","startTime":1977.23,"endTime":1980.68,"body":"is, you know, it's a substantial"},{"speaker":"Sebastian Takle","startTime":1980.68,"endTime":1984.04,"body":"amount of money. And there's no"},{"speaker":"Sebastian Takle","startTime":1980.68,"endTime":1984.04,"body":"doubt that that's gonna it's"},{"speaker":"Sebastian Takle","startTime":1984.04,"endTime":1987.31,"body":"gonna hurt them. But yeah, I"},{"speaker":"Sebastian Takle","startTime":1984.04,"endTime":1987.31,"body":"mean, you can't open the"},{"speaker":"Sebastian Takle","startTime":1987.31,"endTime":1990.94,"body":"champagne every time they they"},{"speaker":"Sebastian Takle","startTime":1987.31,"endTime":1990.94,"body":"arrest some guy in Oslo for"},{"speaker":"Sebastian Takle","startTime":1990.94,"endTime":1995.86,"body":"this, because you know, he's not"},{"speaker":"Sebastian Takle","startTime":1990.94,"endTime":1995.86,"body":"necessarily going to be the main"},{"speaker":"Sebastian Takle","startTime":1995.86,"endTime":1996.97,"body":"guy, not necessarily."},{"speaker":"Robby Peralta","startTime":1997.93,"endTime":1999.7,"body":"I'm sitting here"},{"speaker":"Robby Peralta","startTime":1997.93,"endTime":1999.7,"body":"thinking, how much does all this"},{"speaker":"Robby Peralta","startTime":1999.7,"endTime":2002.91,"body":"cost DNB and all these other"},{"speaker":"Robby Peralta","startTime":1999.7,"endTime":2002.91,"body":"banks and law enforcement, and"},{"speaker":"Robby Peralta","startTime":2002.91,"endTime":2006.63,"body":"this is like a huge economic"},{"speaker":"Robby Peralta","startTime":2002.91,"endTime":2006.63,"body":"burden on on your business."},{"speaker":"Sebastian Takle","startTime":2007.62,"endTime":2011.28,"body":"I think the"},{"speaker":"Sebastian Takle","startTime":2007.62,"endTime":2011.28,"body":"work we do, as opposed to anti"},{"speaker":"Sebastian Takle","startTime":2011.28,"endTime":2014.79,"body":"money laundering work, the the"},{"speaker":"Sebastian Takle","startTime":2011.28,"endTime":2014.79,"body":"sort of counter fraud work is"},{"speaker":"Sebastian Takle","startTime":2014.79,"endTime":2019.5,"body":"not very little of it are we"},{"speaker":"Sebastian Takle","startTime":2014.79,"endTime":2019.5,"body":"sort of required to do by law."},{"speaker":"Sebastian Takle","startTime":2019.5,"endTime":2021.99,"body":"So it's something we do"},{"speaker":"Sebastian Takle","startTime":2019.5,"endTime":2021.99,"body":"ourselves. Now, obviously, it's"},{"speaker":"Sebastian Takle","startTime":2021.99,"endTime":2024.69,"body":"something we do ourselves to"},{"speaker":"Sebastian Takle","startTime":2021.99,"endTime":2024.69,"body":"reduce our own losses in the"},{"speaker":"Sebastian Takle","startTime":2024.69,"endTime":2028.98,"body":"area. But But I think that the"},{"speaker":"Sebastian Takle","startTime":2024.69,"endTime":2028.98,"body":"main issue for us is being able"},{"speaker":"Sebastian Takle","startTime":2028.98,"endTime":2032.43,"body":"to sort of take a social"},{"speaker":"Sebastian Takle","startTime":2028.98,"endTime":2032.43,"body":"responsibility where you can in"},{"speaker":"Sebastian Takle","startTime":2032.43,"endTime":2035.37,"body":"a lot of cases, because the"},{"speaker":"Sebastian Takle","startTime":2032.43,"endTime":2035.37,"body":"point there is that if we don't"},{"speaker":"Sebastian Takle","startTime":2035.37,"endTime":2038.04,"body":"stop these transaction designs,"},{"speaker":"Sebastian Takle","startTime":2035.37,"endTime":2038.04,"body":"you know, I often meet people"},{"speaker":"Sebastian Takle","startTime":2038.04,"endTime":2040.86,"body":"who say, but why don't you know,"},{"speaker":"Sebastian Takle","startTime":2038.04,"endTime":2040.86,"body":"this is the police's job? And I"},{"speaker":"Sebastian Takle","startTime":2040.86,"endTime":2042.81,"body":"said, Yeah, but you know, how"},{"speaker":"Sebastian Takle","startTime":2040.86,"endTime":2042.81,"body":"about how are the police"},{"speaker":"Sebastian Takle","startTime":2042.81,"endTime":2045.42,"body":"supposed to prevent the"},{"speaker":"Sebastian Takle","startTime":2042.81,"endTime":2045.42,"body":"transaction when you're in your"},{"speaker":"Sebastian Takle","startTime":2045.42,"endTime":2048.48,"body":"in your online bank, and you"},{"speaker":"Sebastian Takle","startTime":2045.42,"endTime":2048.48,"body":"press send, and you've got a"},{"speaker":"Sebastian Takle","startTime":2048.51,"endTime":2051.63,"body":"West African account number"},{"speaker":"Sebastian Takle","startTime":2048.51,"endTime":2051.63,"body":"there, and it goes, how are the"},{"speaker":"Sebastian Takle","startTime":2051.63,"endTime":2054.87,"body":"police supposed to stop that?"},{"speaker":"Sebastian Takle","startTime":2051.63,"endTime":2054.87,"body":"But you know, there's no way"},{"speaker":"Sebastian Takle","startTime":2054.87,"endTime":2057.81,"body":"they can they're not part of"},{"speaker":"Sebastian Takle","startTime":2054.87,"endTime":2057.81,"body":"that infrastructure. So it's got"},{"speaker":"Sebastian Takle","startTime":2057.81,"endTime":2061.71,"body":"something to do with taking"},{"speaker":"Sebastian Takle","startTime":2057.81,"endTime":2061.71,"body":"responsibility in an area where,"},{"speaker":"Sebastian Takle","startTime":2061.74,"endTime":2065.58,"body":"where you're alone and being"},{"speaker":"Sebastian Takle","startTime":2061.74,"endTime":2065.58,"body":"able to take responsibility. I"},{"speaker":"Sebastian Takle","startTime":2065.58,"endTime":2069.39,"body":"think it was a billion wagering"},{"speaker":"Sebastian Takle","startTime":2065.58,"endTime":2069.39,"body":"grounds just over a billion"},{"speaker":"Sebastian Takle","startTime":2069.39,"endTime":2072.6,"body":"wintering grounds was the amount"},{"speaker":"Sebastian Takle","startTime":2069.39,"endTime":2072.6,"body":"of attempted stolen from DNB and"},{"speaker":"Sebastian Takle","startTime":2072.6,"endTime":2077.19,"body":"our customers last year, if I"},{"speaker":"Sebastian Takle","startTime":2072.6,"endTime":2077.19,"body":"remember correctly, so it's a"},{"speaker":"Sebastian Takle","startTime":2077.46,"endTime":2081.66,"body":"fair, fair amount of money that"},{"speaker":"Sebastian Takle","startTime":2077.46,"endTime":2081.66,"body":"you're talking about. And, you"},{"speaker":"Sebastian Takle","startTime":2081.66,"endTime":2086.19,"body":"know, I think we stopped like"},{"speaker":"Sebastian Takle","startTime":2081.66,"endTime":2086.19,"body":"725 million or 750 million or"},{"speaker":"Sebastian Takle","startTime":2086.25,"endTime":2090.51,"body":"something in the in that range."},{"speaker":"Sebastian Takle","startTime":2086.25,"endTime":2090.51,"body":"So so you know, substantial"},{"speaker":"Sebastian Takle","startTime":2090.51,"endTime":2093.84,"body":"amount of money that hasn't gone"},{"speaker":"Sebastian Takle","startTime":2090.51,"endTime":2093.84,"body":"to organized criminal"},{"speaker":"Sebastian Takle","startTime":2093.84,"endTime":2099.09,"body":"environments, you know, in 2019,"},{"speaker":"Sebastian Takle","startTime":2093.84,"endTime":2099.09,"body":"because we were there. So I"},{"speaker":"Sebastian Takle","startTime":2099.09,"endTime":2101.58,"body":"think that you What was your"},{"speaker":"Sebastian Takle","startTime":2099.09,"endTime":2101.58,"body":"original question? How much does"},{"speaker":"Sebastian Takle","startTime":2101.58,"endTime":2104.82,"body":"it cost? I don't know."},{"speaker":"Sebastian Takle","startTime":2101.58,"endTime":2104.82,"body":"Fortunately, that's not my motto"},{"speaker":"Sebastian Takle","startTime":2104.82,"endTime":2108.75,"body":"there. But it's not cheap. But I"},{"speaker":"Sebastian Takle","startTime":2104.82,"endTime":2108.75,"body":"would without a doubt say that"},{"speaker":"Sebastian Takle","startTime":2108.75,"endTime":2112.23,"body":"it's cheaper than the"},{"speaker":"Sebastian Takle","startTime":2108.75,"endTime":2112.23,"body":"alternative, which is not having"},{"speaker":"Sebastian Takle","startTime":2112.23,"endTime":2112.65,"body":"us there."},{"speaker":"Robby Peralta","startTime":2112.89,"endTime":2114.48,"body":"Yeah. Because"},{"speaker":"Robby Peralta","startTime":2112.89,"endTime":2114.48,"body":"that brings the next point not"},{"speaker":"Robby Peralta","startTime":2114.48,"endTime":2118.05,"body":"having you there. That's just"},{"speaker":"Robby Peralta","startTime":2114.48,"endTime":2118.05,"body":"fueling that whole underground"},{"speaker":"Robby Peralta","startTime":2118.41,"endTime":2118.95,"body":"economy."},{"speaker":"Sebastian Takle","startTime":2119.08,"endTime":2121.93,"body":"Absolutely. And"},{"speaker":"Sebastian Takle","startTime":2119.08,"endTime":2121.93,"body":"that sort of brings us to the"},{"speaker":"Sebastian Takle","startTime":2121.93,"endTime":2125.35,"body":"the the issue that I spoke about"},{"speaker":"Sebastian Takle","startTime":2121.93,"endTime":2125.35,"body":"earlier, where, where you sort"},{"speaker":"Sebastian Takle","startTime":2125.35,"endTime":2130.69,"body":"of have where you don't have"},{"speaker":"Sebastian Takle","startTime":2125.35,"endTime":2130.69,"body":"criminals in silos, just working"},{"speaker":"Sebastian Takle","startTime":2130.69,"endTime":2133.45,"body":"distance email compromise, or"},{"speaker":"Sebastian Takle","startTime":2130.69,"endTime":2133.45,"body":"just working ransomware. Right,"},{"speaker":"Sebastian Takle","startTime":2133.45,"endTime":2137.71,"body":"you have groups involved in"},{"speaker":"Sebastian Takle","startTime":2133.45,"endTime":2137.71,"body":"ransomware, and trafficking, or"},{"speaker":"Sebastian Takle","startTime":2137.74,"endTime":2141.13,"body":"weapons and narcotics and"},{"speaker":"Sebastian Takle","startTime":2137.74,"endTime":2141.13,"body":"business, email compromise, and"},{"speaker":"Sebastian Takle","startTime":2141.13,"endTime":2143.17,"body":"things like that. And that sort"},{"speaker":"Sebastian Takle","startTime":2141.13,"endTime":2143.17,"body":"of puts you in a bit of a"},{"speaker":"Sebastian Takle","startTime":2143.17,"endTime":2146.59,"body":"difficult situation when you're"},{"speaker":"Sebastian Takle","startTime":2143.17,"endTime":2146.59,"body":"looking to prioritize your work,"},{"speaker":"Sebastian Takle","startTime":2146.77,"endTime":2151.03,"body":"right? Because, again, if we do"},{"speaker":"Sebastian Takle","startTime":2146.77,"endTime":2151.03,"body":"an easy example, right, if I say"},{"speaker":"Sebastian Takle","startTime":2151.03,"endTime":2152.98,"body":"to you that we've got two"},{"speaker":"Sebastian Takle","startTime":2151.03,"endTime":2152.98,"body":"transactions going through our"},{"speaker":"Sebastian Takle","startTime":2152.98,"endTime":2157.03,"body":"system, one transaction, you're"},{"speaker":"Sebastian Takle","startTime":2152.98,"endTime":2157.03,"body":"going to lose $100,000. On the"},{"speaker":"Sebastian Takle","startTime":2157.03,"endTime":2160.45,"body":"other transaction, you're going"},{"speaker":"Sebastian Takle","startTime":2157.03,"endTime":2160.45,"body":"to lose $75,000. Which one do"},{"speaker":"Sebastian Takle","startTime":2160.45,"endTime":2163.63,"body":"you stop? Right? This is an easy"},{"speaker":"Sebastian Takle","startTime":2160.45,"endTime":2163.63,"body":"question, you stop the"},{"speaker":"Sebastian Takle","startTime":2163.63,"endTime":2168.01,"body":"transaction and $100,000. But"},{"speaker":"Sebastian Takle","startTime":2163.63,"endTime":2168.01,"body":"the issue becomes more"},{"speaker":"Sebastian Takle","startTime":2168.01,"endTime":2170.74,"body":"complicated if I say that, okay,"},{"speaker":"Sebastian Takle","startTime":2168.01,"endTime":2170.74,"body":"but we know that the guy who's"},{"speaker":"Sebastian Takle","startTime":2170.74,"endTime":2173.83,"body":"stealing $100,000, he's gonna"},{"speaker":"Sebastian Takle","startTime":2170.74,"endTime":2173.83,"body":"buy himself a new car, and the"},{"speaker":"Sebastian Takle","startTime":2173.83,"endTime":2177.07,"body":"guy who's stealing $75,000, he's"},{"speaker":"Sebastian Takle","startTime":2173.83,"endTime":2177.07,"body":"gonna buy heroin and sell that"},{"speaker":"Sebastian Takle","startTime":2177.07,"endTime":2180.43,"body":"on, but then your issue flips."},{"speaker":"Sebastian Takle","startTime":2177.07,"endTime":2180.43,"body":"And suddenly, we're in"},{"speaker":"Sebastian Takle","startTime":2180.43,"endTime":2184.18,"body":"agreement, basically, that here,"},{"speaker":"Sebastian Takle","startTime":2180.43,"endTime":2184.18,"body":"we're gonna have to lose $25,000"},{"speaker":"Sebastian Takle","startTime":2184.21,"endTime":2186.91,"body":"extra, because here, we need to"},{"speaker":"Sebastian Takle","startTime":2184.21,"endTime":2186.91,"body":"stop the money going into"},{"speaker":"Sebastian Takle","startTime":2186.91,"endTime":2192.31,"body":"narcotics. And you're not, I'm"},{"speaker":"Sebastian Takle","startTime":2186.91,"endTime":2192.31,"body":"not gonna overdo the situation"},{"speaker":"Sebastian Takle","startTime":2192.31,"endTime":2196.75,"body":"here. I'm not saying that all"},{"speaker":"Sebastian Takle","startTime":2192.31,"endTime":2196.75,"body":"money stolen in fraud will go to"},{"speaker":"Sebastian Takle","startTime":2196.93,"endTime":2200.5,"body":"narcotics, or weapons or"},{"speaker":"Sebastian Takle","startTime":2196.93,"endTime":2200.5,"body":"terrorist financing. But what I"},{"speaker":"Sebastian Takle","startTime":2200.5,"endTime":2203.74,"body":"am saying is, it's such a large"},{"speaker":"Sebastian Takle","startTime":2200.5,"endTime":2203.74,"body":"amount of it will, that when"},{"speaker":"Sebastian Takle","startTime":2203.74,"endTime":2207.52,"body":"you're looking at a single"},{"speaker":"Sebastian Takle","startTime":2203.74,"endTime":2207.52,"body":"transaction, it's really, really"},{"speaker":"Sebastian Takle","startTime":2207.52,"endTime":2211.51,"body":"difficult to say that this"},{"speaker":"Sebastian Takle","startTime":2207.52,"endTime":2211.51,"body":"transaction is going to go to"},{"speaker":"Sebastian Takle","startTime":2211.57,"endTime":2214.27,"body":"the purchase of weapons, and"},{"speaker":"Sebastian Takle","startTime":2211.57,"endTime":2214.27,"body":"this transaction is just going"},{"speaker":"Sebastian Takle","startTime":2214.27,"endTime":2216.7,"body":"to go to some guy who wants to"},{"speaker":"Sebastian Takle","startTime":2214.27,"endTime":2216.7,"body":"buy himself a new car, it's"},{"speaker":"Sebastian Takle","startTime":2216.7,"endTime":2220.33,"body":"very, very difficult to say. And"},{"speaker":"Sebastian Takle","startTime":2216.7,"endTime":2220.33,"body":"that puts the police in a very"},{"speaker":"Sebastian Takle","startTime":2220.33,"endTime":2223.42,"body":"difficult situation, right?"},{"speaker":"Sebastian Takle","startTime":2220.33,"endTime":2223.42,"body":"Because basically, for a long,"},{"speaker":"Sebastian Takle","startTime":2223.42,"endTime":2227.59,"body":"long time, financial crime has"},{"speaker":"Sebastian Takle","startTime":2223.42,"endTime":2227.59,"body":"been sort of not been the most"},{"speaker":"Sebastian Takle","startTime":2227.59,"endTime":2229.84,"body":"important thing they work with,"},{"speaker":"Sebastian Takle","startTime":2227.59,"endTime":2229.84,"body":"because you're in a situation"},{"speaker":"Sebastian Takle","startTime":2229.84,"endTime":2232.6,"body":"where you can choose between,"},{"speaker":"Sebastian Takle","startTime":2229.84,"endTime":2232.6,"body":"should we react to financial"},{"speaker":"Sebastian Takle","startTime":2232.6,"endTime":2235.66,"body":"crime, or should we react to,"},{"speaker":"Sebastian Takle","startTime":2232.6,"endTime":2235.66,"body":"for example, physical violence,"},{"speaker":"Sebastian Takle","startTime":2236.05,"endTime":2238.33,"body":"and there's no doubt that you"},{"speaker":"Sebastian Takle","startTime":2236.05,"endTime":2238.33,"body":"will make and sit there and have"},{"speaker":"Sebastian Takle","startTime":2238.33,"endTime":2241.45,"body":"interesting podcasts about"},{"speaker":"Sebastian Takle","startTime":2238.33,"endTime":2241.45,"body":"financial crime, and it's all"},{"speaker":"Sebastian Takle","startTime":2241.45,"endTime":2243.97,"body":"fun and games until someone gets"},{"speaker":"Sebastian Takle","startTime":2241.45,"endTime":2243.97,"body":"a punch in the face. And then"},{"speaker":"Sebastian Takle","startTime":2243.97,"endTime":2246.46,"body":"it's not funny at all. And you"},{"speaker":"Sebastian Takle","startTime":2243.97,"endTime":2246.46,"body":"know, we expect the police to"},{"speaker":"Sebastian Takle","startTime":2246.46,"endTime":2249.97,"body":"show up. Therefore, for a long"},{"speaker":"Sebastian Takle","startTime":2246.46,"endTime":2249.97,"body":"time, the situation has been"},{"speaker":"Sebastian Takle","startTime":2249.97,"endTime":2253.18,"body":"sort of, Okay, we'll prioritize"},{"speaker":"Sebastian Takle","startTime":2249.97,"endTime":2253.18,"body":"the physical threats. And we'll"},{"speaker":"Sebastian Takle","startTime":2253.21,"endTime":2257.5,"body":"we'll let financial crime slide"},{"speaker":"Sebastian Takle","startTime":2253.21,"endTime":2257.5,"body":"to a larger extent than we're"},{"speaker":"Sebastian Takle","startTime":2257.5,"endTime":2261.22,"body":"comfortable with. But the"},{"speaker":"Sebastian Takle","startTime":2257.5,"endTime":2261.22,"body":"problem is, so when you see the"},{"speaker":"Sebastian Takle","startTime":2261.22,"endTime":2265.48,"body":"financial crime is fueling these"},{"speaker":"Sebastian Takle","startTime":2261.22,"endTime":2265.48,"body":"criminal environments, when it"},{"speaker":"Sebastian Takle","startTime":2265.48,"endTime":2268.3,"body":"comes to narcotics, weapons,"},{"speaker":"Sebastian Takle","startTime":2265.48,"endTime":2268.3,"body":"trafficking, things like this,"},{"speaker":"Sebastian Takle","startTime":2268.63,"endTime":2272.68,"body":"it makes those prioritizations a"},{"speaker":"Sebastian Takle","startTime":2268.63,"endTime":2272.68,"body":"lot more difficult. Right. So"},{"speaker":"Sebastian Takle","startTime":2272.68,"endTime":2276.82,"body":"saying that one type of crime is"},{"speaker":"Sebastian Takle","startTime":2272.68,"endTime":2276.82,"body":"important. While another type of"},{"speaker":"Sebastian Takle","startTime":2276.82,"endTime":2281.92,"body":"crime isn't. If you look at the"},{"speaker":"Sebastian Takle","startTime":2276.82,"endTime":2281.92,"body":"extremes, that's easy, we can"},{"speaker":"Sebastian Takle","startTime":2281.92,"endTime":2284.95,"body":"agree that murder should always"},{"speaker":"Sebastian Takle","startTime":2281.92,"endTime":2284.95,"body":"be prioritized. And maybe a"},{"speaker":"Sebastian Takle","startTime":2284.95,"endTime":2288.79,"body":"stolen bike isn't always the"},{"speaker":"Sebastian Takle","startTime":2284.95,"endTime":2288.79,"body":"most important thing. But when"},{"speaker":"Sebastian Takle","startTime":2288.79,"endTime":2292.69,"body":"you look at the the center there"},{"speaker":"Sebastian Takle","startTime":2288.79,"endTime":2292.69,"body":"with financial crime, and and"},{"speaker":"Sebastian Takle","startTime":2292.69,"endTime":2296.77,"body":"all of this, it's very difficult"},{"speaker":"Sebastian Takle","startTime":2292.69,"endTime":2296.77,"body":"to say that this is an important"},{"speaker":"Sebastian Takle","startTime":2296.77,"endTime":2300.37,"body":"type of crime. And this is a"},{"speaker":"Sebastian Takle","startTime":2296.77,"endTime":2300.37,"body":"less important type of crime,"},{"speaker":"Sebastian Takle","startTime":2300.37,"endTime":2303.19,"body":"because the the waters very"},{"speaker":"Sebastian Takle","startTime":2300.37,"endTime":2303.19,"body":"quickly become muddied."},{"speaker":"Robby Peralta","startTime":2303.45,"endTime":2304.89,"body":"That's why the"},{"speaker":"Robby Peralta","startTime":2303.45,"endTime":2304.89,"body":"work you're doing is so"},{"speaker":"Robby Peralta","startTime":2304.92,"endTime":2305.94,"body":"essential and important then"},{"speaker":"Sebastian Takle","startTime":2306.6,"endTime":2309.57,"body":"a lot of it is."},{"speaker":"Sebastian Takle","startTime":2306.6,"endTime":2309.57,"body":"Yeah, I think so. And I think if"},{"speaker":"Sebastian Takle","startTime":2309.57,"endTime":2314.34,"body":"I could just shoot in as"},{"speaker":"Sebastian Takle","startTime":2309.57,"endTime":2314.34,"body":"something sort of bit on the"},{"speaker":"Sebastian Takle","startTime":2314.34,"endTime":2317.58,"body":"side, I think that one of the"},{"speaker":"Sebastian Takle","startTime":2314.34,"endTime":2317.58,"body":"one of the important things to"},{"speaker":"Sebastian Takle","startTime":2317.58,"endTime":2321.75,"body":"understand especially for for"},{"speaker":"Sebastian Takle","startTime":2317.58,"endTime":2321.75,"body":"you and your listeners who are,"},{"speaker":"Sebastian Takle","startTime":2322.02,"endTime":2325.41,"body":"who are infinitely more"},{"speaker":"Sebastian Takle","startTime":2322.02,"endTime":2325.41,"body":"competent on the technical side,"},{"speaker":"Sebastian Takle","startTime":2325.41,"endTime":2328.59,"body":"and than I am, is sort of the"},{"speaker":"Sebastian Takle","startTime":2325.41,"endTime":2328.59,"body":"difference in how threat"},{"speaker":"Sebastian Takle","startTime":2328.59,"endTime":2333.18,"body":"intelligence works. Because I"},{"speaker":"Sebastian Takle","startTime":2328.59,"endTime":2333.18,"body":"sort of I meet a lot of people"},{"speaker":"Sebastian Takle","startTime":2333.18,"endTime":2336.87,"body":"who are very good at threat"},{"speaker":"Sebastian Takle","startTime":2333.18,"endTime":2336.87,"body":"intelligence, they've been"},{"speaker":"Sebastian Takle","startTime":2336.87,"endTime":2339.18,"body":"working with it for a lot longer"},{"speaker":"Sebastian Takle","startTime":2336.87,"endTime":2339.18,"body":"than I have, they're much better"},{"speaker":"Sebastian Takle","startTime":2339.18,"endTime":2342.75,"body":"at it than I am. And they"},{"speaker":"Sebastian Takle","startTime":2339.18,"endTime":2342.75,"body":"they'll quite often disagree"},{"speaker":"Sebastian Takle","startTime":2342.75,"endTime":2347.01,"body":"with, with the way I approach"},{"speaker":"Sebastian Takle","startTime":2342.75,"endTime":2347.01,"body":"threat intelligence, especially"},{"speaker":"Sebastian Takle","startTime":2347.01,"endTime":2349.92,"body":"this sort of threat, actor"},{"speaker":"Sebastian Takle","startTime":2347.01,"endTime":2349.92,"body":"centric view I have, I think"},{"speaker":"Sebastian Takle","startTime":2349.92,"endTime":2352.89,"body":"they see it as a very sort of,"},{"speaker":"Sebastian Takle","startTime":2349.92,"endTime":2352.89,"body":"it's very sort of headline"},{"speaker":"Sebastian Takle","startTime":2352.89,"endTime":2355.38,"body":"friendly, it sort of look at him"},{"speaker":"Sebastian Takle","startTime":2352.89,"endTime":2355.38,"body":"talking about all these"},{"speaker":"Sebastian Takle","startTime":2355.38,"endTime":2357.45,"body":"organized criminal groups, who"},{"speaker":"Sebastian Takle","startTime":2355.38,"endTime":2357.45,"body":"cares, you know, we should be"},{"speaker":"Sebastian Takle","startTime":2357.45,"endTime":2360.93,"body":"talking about this. And I think"},{"speaker":"Sebastian Takle","startTime":2357.45,"endTime":2360.93,"body":"that sort of boils down to a"},{"speaker":"Sebastian Takle","startTime":2360.93,"endTime":2364.86,"body":"general sort of misunderstanding"},{"speaker":"Sebastian Takle","startTime":2360.93,"endTime":2364.86,"body":"when it comes to, to how threat"},{"speaker":"Sebastian Takle","startTime":2364.86,"endTime":2368.4,"body":"intelligence works. Because"},{"speaker":"Sebastian Takle","startTime":2364.86,"endTime":2368.4,"body":"threat intelligence in different"},{"speaker":"Sebastian Takle","startTime":2368.4,"endTime":2373.53,"body":"areas works differently. So I"},{"speaker":"Sebastian Takle","startTime":2368.4,"endTime":2373.53,"body":"usually I sort of, I compare it"},{"speaker":"Sebastian Takle","startTime":2373.56,"endTime":2377.13,"body":"to the face of a clock or a"},{"speaker":"Sebastian Takle","startTime":2373.56,"endTime":2377.13,"body":"watch right? Where you have you"},{"speaker":"Sebastian Takle","startTime":2377.13,"endTime":2379.47,"body":"have three hands going around,"},{"speaker":"Sebastian Takle","startTime":2377.13,"endTime":2379.47,"body":"you have the second timer, you"},{"speaker":"Sebastian Takle","startTime":2379.47,"endTime":2382.41,"body":"have the minute timer and you"},{"speaker":"Sebastian Takle","startTime":2379.47,"endTime":2382.41,"body":"have the the the sort of the"},{"speaker":"Sebastian Takle","startTime":2382.41,"endTime":2387.12,"body":"hour hand the going going"},{"speaker":"Sebastian Takle","startTime":2382.41,"endTime":2387.12,"body":"around, where for me threat"},{"speaker":"Sebastian Takle","startTime":2387.12,"endTime":2390.81,"body":"intelligence in the sort of"},{"speaker":"Sebastian Takle","startTime":2387.12,"endTime":2390.81,"body":"cyber defense area that you guys"},{"speaker":"Sebastian Takle","startTime":2390.81,"endTime":2393.9,"body":"and your listeners probably are"},{"speaker":"Sebastian Takle","startTime":2390.81,"endTime":2393.9,"body":"very, very familiar with. For"},{"speaker":"Sebastian Takle","startTime":2393.9,"endTime":2396.87,"body":"me, that's the second hand of"},{"speaker":"Sebastian Takle","startTime":2393.9,"endTime":2396.87,"body":"the clock spinning around so"},{"speaker":"Sebastian Takle","startTime":2396.87,"endTime":2399.12,"body":"fast that you can see it moving"},{"speaker":"Sebastian Takle","startTime":2396.87,"endTime":2399.12,"body":"all the time, right. There's"},{"speaker":"Sebastian Takle","startTime":2399.12,"endTime":2401.79,"body":"something happening there. All"},{"speaker":"Sebastian Takle","startTime":2399.12,"endTime":2401.79,"body":"the time. And if you look away"},{"speaker":"Sebastian Takle","startTime":2401.79,"endTime":2405.0,"body":"for a second, it's going to take"},{"speaker":"Sebastian Takle","startTime":2401.79,"endTime":2405.0,"body":"without you seeing that sort of,"},{"speaker":"Sebastian Takle","startTime":2405.06,"endTime":2408.15,"body":"that's the reality of the"},{"speaker":"Sebastian Takle","startTime":2405.06,"endTime":2408.15,"body":"landscape, then cyber defense"},{"speaker":"Sebastian Takle","startTime":2408.15,"endTime":2413.46,"body":"works in daily updates on a"},{"speaker":"Sebastian Takle","startTime":2408.15,"endTime":2413.46,"body":"threat intelligence are not only"},{"speaker":"Sebastian Takle","startTime":2413.46,"endTime":2417.06,"body":"required, sometimes they're not"},{"speaker":"Sebastian Takle","startTime":2413.46,"endTime":2417.06,"body":"even enough, right. But when you"},{"speaker":"Sebastian Takle","startTime":2417.06,"endTime":2419.49,"body":"look at financial crime, it's"},{"speaker":"Sebastian Takle","startTime":2417.06,"endTime":2419.49,"body":"more like the sort of the minute"},{"speaker":"Sebastian Takle","startTime":2419.49,"endTime":2424.2,"body":"hand going around, it moves a"},{"speaker":"Sebastian Takle","startTime":2419.49,"endTime":2424.2,"body":"lot slower. I think I'll steal"},{"speaker":"Sebastian Takle","startTime":2424.2,"endTime":2427.98,"body":"from Europe Oh, last week"},{"speaker":"Sebastian Takle","startTime":2424.2,"endTime":2427.98,"body":"launched their internet and"},{"speaker":"Sebastian Takle","startTime":2427.98,"endTime":2430.2,"body":"organized crime threat"},{"speaker":"Sebastian Takle","startTime":2427.98,"endTime":2430.2,"body":"assessment. And they said that"},{"speaker":"Sebastian Takle","startTime":2430.41,"endTime":2433.92,"body":"the the trend they were seeing"},{"speaker":"Sebastian Takle","startTime":2430.41,"endTime":2433.92,"body":"was an evolution and not a"},{"speaker":"Sebastian Takle","startTime":2433.92,"endTime":2436.98,"body":"revolution. And I think that"},{"speaker":"Sebastian Takle","startTime":2433.92,"endTime":2436.98,"body":"sort of describes financial"},{"speaker":"Sebastian Takle","startTime":2436.98,"endTime":2439.62,"body":"crime to me, when it comes to"},{"speaker":"Sebastian Takle","startTime":2436.98,"endTime":2439.62,"body":"threat intelligence, you can,"},{"speaker":"Sebastian Takle","startTime":2439.83,"endTime":2443.73,"body":"it's continually evolving, it's"},{"speaker":"Sebastian Takle","startTime":2439.83,"endTime":2443.73,"body":"moving all the time. It demands"},{"speaker":"Sebastian Takle","startTime":2443.73,"endTime":2447.48,"body":"that you're you're there and"},{"speaker":"Sebastian Takle","startTime":2443.73,"endTime":2447.48,"body":"paying attention. But sometimes"},{"speaker":"Sebastian Takle","startTime":2447.48,"endTime":2449.49,"body":"you'll have a day where nothing"},{"speaker":"Sebastian Takle","startTime":2447.48,"endTime":2449.49,"body":"happens. And sometimes you'll"},{"speaker":"Sebastian Takle","startTime":2449.49,"endTime":2452.61,"body":"even have a week, that's not"},{"speaker":"Sebastian Takle","startTime":2449.49,"endTime":2452.61,"body":"particularly eventful. And if"},{"speaker":"Sebastian Takle","startTime":2452.61,"endTime":2456.63,"body":"you look at the threats I talked"},{"speaker":"Sebastian Takle","startTime":2452.61,"endTime":2456.63,"body":"about in this Yes, assessment,"},{"speaker":"Sebastian Takle","startTime":2456.96,"endTime":2459.93,"body":"last year, threat assessment"},{"speaker":"Sebastian Takle","startTime":2456.96,"endTime":2459.93,"body":"isn't, isn't publicly available."},{"speaker":"Sebastian Takle","startTime":2459.93,"endTime":2463.08,"body":"But what I can tell you is that"},{"speaker":"Sebastian Takle","startTime":2459.93,"endTime":2463.08,"body":"a lot of the same groups, I'm"},{"speaker":"Sebastian Takle","startTime":2463.08,"endTime":2466.38,"body":"talking about a lot of the same"},{"speaker":"Sebastian Takle","startTime":2463.08,"endTime":2466.38,"body":"types of fraud. And that's"},{"speaker":"Sebastian Takle","startTime":2466.38,"endTime":2469.38,"body":"because within this area,"},{"speaker":"Sebastian Takle","startTime":2466.38,"endTime":2469.38,"body":"there's there's an evolution"},{"speaker":"Sebastian Takle","startTime":2469.38,"endTime":2472.98,"body":"happening all the time. But that"},{"speaker":"Sebastian Takle","startTime":2469.38,"endTime":2472.98,"body":"doesn't necessarily mean that"},{"speaker":"Sebastian Takle","startTime":2472.98,"endTime":2476.61,"body":"there's huge changes on a daily"},{"speaker":"Sebastian Takle","startTime":2472.98,"endTime":2476.61,"body":"basis. And you know, the fight"},{"speaker":"Sebastian Takle","startTime":2476.61,"endTime":2480.09,"body":"the end of that clock watch."},{"speaker":"Sebastian Takle","startTime":2476.61,"endTime":2480.09,"body":"Example, for me is the sort of"},{"speaker":"Sebastian Takle","startTime":2480.09,"endTime":2483.99,"body":"our hand which, which, you know,"},{"speaker":"Sebastian Takle","startTime":2480.09,"endTime":2483.99,"body":"hardly moves at all, if you're"},{"speaker":"Sebastian Takle","startTime":2483.99,"endTime":2486.54,"body":"sitting watching it. And for me,"},{"speaker":"Sebastian Takle","startTime":2483.99,"endTime":2486.54,"body":"that's sort of the physical"},{"speaker":"Sebastian Takle","startTime":2486.54,"endTime":2489.15,"body":"aspect, whether it's there the,"},{"speaker":"Sebastian Takle","startTime":2486.54,"endTime":2489.15,"body":"you know, the terrorism threat,"},{"speaker":"Sebastian Takle","startTime":2489.15,"endTime":2492.66,"body":"or that the threat of, you know,"},{"speaker":"Sebastian Takle","startTime":2489.15,"endTime":2492.66,"body":"bank robberies, and you know,"},{"speaker":"Sebastian Takle","startTime":2492.66,"endTime":2495.15,"body":"physical robberies and things"},{"speaker":"Sebastian Takle","startTime":2492.66,"endTime":2495.15,"body":"like that, that sort of moves"},{"speaker":"Sebastian Takle","startTime":2495.18,"endTime":2499.83,"body":"even slower. But the fact that"},{"speaker":"Sebastian Takle","startTime":2495.18,"endTime":2499.83,"body":"these things work in a slightly"},{"speaker":"Sebastian Takle","startTime":2499.83,"endTime":2502.5,"body":"different way, and that there's"},{"speaker":"Sebastian Takle","startTime":2499.83,"endTime":2502.5,"body":"a different speed to which"},{"speaker":"Sebastian Takle","startTime":2502.5,"endTime":2506.31,"body":"threat intelligence is is"},{"speaker":"Sebastian Takle","startTime":2502.5,"endTime":2506.31,"body":"relevant in each area, by no"},{"speaker":"Sebastian Takle","startTime":2506.31,"endTime":2509.76,"body":"means means that it's more"},{"speaker":"Sebastian Takle","startTime":2506.31,"endTime":2509.76,"body":"relevant for one area than"},{"speaker":"Sebastian Takle","startTime":2509.76,"endTime":2512.43,"body":"another. So I mean, the threat"},{"speaker":"Sebastian Takle","startTime":2509.76,"endTime":2512.43,"body":"intelligence just as viable,"},{"speaker":"Sebastian Takle","startTime":2512.61,"endTime":2514.74,"body":"whether you're talking about the"},{"speaker":"Sebastian Takle","startTime":2512.61,"endTime":2514.74,"body":"physical threat, financial"},{"speaker":"Sebastian Takle","startTime":2514.74,"endTime":2518.25,"body":"crime, or cyber defense, but we"},{"speaker":"Sebastian Takle","startTime":2514.74,"endTime":2518.25,"body":"need to just accept the fact"},{"speaker":"Sebastian Takle","startTime":2518.25,"endTime":2521.01,"body":"that it's going to work"},{"speaker":"Sebastian Takle","startTime":2518.25,"endTime":2521.01,"body":"differently in different sides"},{"speaker":"Sebastian Takle","startTime":2521.01,"endTime":2521.31,"body":"of things."},{"speaker":"Robby Peralta","startTime":2522.57,"endTime":2524.58,"body":"Awesome. What are"},{"speaker":"Robby Peralta","startTime":2522.57,"endTime":2524.58,"body":"you looking forward to? If you"},{"speaker":"Robby Peralta","startTime":2524.58,"endTime":2527.88,"body":"look in your crystal ball for"},{"speaker":"Robby Peralta","startTime":2524.58,"endTime":2527.88,"body":"your world? Iif I was gonna have"},{"speaker":"Robby Peralta","startTime":2527.88,"endTime":2529.77,"body":"you back on, (you have to come"},{"speaker":"Robby Peralta","startTime":2527.88,"endTime":2529.77,"body":"back by the way), but when I"},{"speaker":"Robby Peralta","startTime":2529.77,"endTime":2531.12,"body":"have you back, what are you"},{"speaker":"Robby Peralta","startTime":2529.77,"endTime":2531.12,"body":"gonna talk about, then? What do"},{"speaker":"Robby Peralta","startTime":2531.12,"endTime":2533.91,"body":"you think is gonna change or"},{"speaker":"Robby Peralta","startTime":2531.12,"endTime":2533.91,"body":"evolve?"},{"speaker":"Sebastian Takle","startTime":2534.66,"endTime":2537.69,"body":"I think, you"},{"speaker":"Sebastian Takle","startTime":2534.66,"endTime":2537.69,"body":"know, again, talking, talking"},{"speaker":"Sebastian Takle","startTime":2537.69,"endTime":2540.99,"body":"about awareness and how boring"},{"speaker":"Sebastian Takle","startTime":2537.69,"endTime":2540.99,"body":"it is, I'm gonna have trouble"},{"speaker":"Sebastian Takle","startTime":2540.99,"endTime":2543.45,"body":"selling an exciting topic for"},{"speaker":"Sebastian Takle","startTime":2540.99,"endTime":2543.45,"body":"you immediately. But I think"},{"speaker":"Sebastian Takle","startTime":2543.45,"endTime":2545.88,"body":"that we need to talk about"},{"speaker":"Sebastian Takle","startTime":2543.45,"endTime":2545.88,"body":"business email compromise, I"},{"speaker":"Sebastian Takle","startTime":2545.88,"endTime":2549.84,"body":"think we need to talk about the"},{"speaker":"Sebastian Takle","startTime":2545.88,"endTime":2549.84,"body":"fact that, you know, in Norway"},{"speaker":"Sebastian Takle","startTime":2549.84,"endTime":2553.68,"body":"last year, you had 100 and 50"},{"speaker":"Sebastian Takle","startTime":2549.84,"endTime":2553.68,"body":"million rounds lost in one case,"},{"speaker":"Sebastian Takle","startTime":2553.68,"endTime":2558.39,"body":"and this year, 100 million lost"},{"speaker":"Sebastian Takle","startTime":2553.68,"endTime":2558.39,"body":"and another by companies who"},{"speaker":"Sebastian Takle","startTime":2558.39,"endTime":2563.34,"body":"weren't acting recklessly, but"},{"speaker":"Sebastian Takle","startTime":2558.39,"endTime":2563.34,"body":"who were targeted by extremely"},{"speaker":"Sebastian Takle","startTime":2563.34,"endTime":2567.0,"body":"competent big international,"},{"speaker":"Sebastian Takle","startTime":2563.34,"endTime":2567.0,"body":"transnational organized criminal"},{"speaker":"Sebastian Takle","startTime":2567.0,"endTime":2570.27,"body":"groups. And that the amount of"},{"speaker":"Sebastian Takle","startTime":2567.0,"endTime":2570.27,"body":"money there's that they are"},{"speaker":"Sebastian Takle","startTime":2570.27,"endTime":2575.4,"body":"getting away with there is it's"},{"speaker":"Sebastian Takle","startTime":2570.27,"endTime":2575.4,"body":"too big to be ignored. So we"},{"speaker":"Sebastian Takle","startTime":2575.4,"endTime":2579.81,"body":"need to have a deep, deep and"},{"speaker":"Sebastian Takle","startTime":2575.4,"endTime":2579.81,"body":"good look at business email"},{"speaker":"Sebastian Takle","startTime":2579.81,"endTime":2584.82,"body":"compromise, and how business"},{"speaker":"Sebastian Takle","startTime":2579.81,"endTime":2584.82,"body":"email compromise is many things"},{"speaker":"Sebastian Takle","startTime":2584.85,"endTime":2587.58,"body":"all at once. When I say business"},{"speaker":"Sebastian Takle","startTime":2584.85,"endTime":2587.58,"body":"email compromise. Now I'm sort"},{"speaker":"Sebastian Takle","startTime":2587.58,"endTime":2591.0,"body":"of talking the the FBI version,"},{"speaker":"Sebastian Takle","startTime":2587.58,"endTime":2591.0,"body":"which, which is sort of"},{"speaker":"Sebastian Takle","startTime":2591.18,"endTime":2595.62,"body":"everything from spoofing of an"},{"speaker":"Sebastian Takle","startTime":2591.18,"endTime":2595.62,"body":"email or things to add, changing"},{"speaker":"Sebastian Takle","startTime":2595.62,"endTime":2600.18,"body":"the account number to an actual"},{"speaker":"Sebastian Takle","startTime":2595.62,"endTime":2600.18,"body":"compromise, where, where you"},{"speaker":"Sebastian Takle","startTime":2600.18,"endTime":2604.17,"body":"have threat actors in your"},{"speaker":"Sebastian Takle","startTime":2600.18,"endTime":2604.17,"body":"system, of rages and monitor,"},{"speaker":"Sebastian Takle","startTime":2604.17,"endTime":2607.86,"body":"you know, your behavior and how"},{"speaker":"Sebastian Takle","startTime":2604.17,"endTime":2607.86,"body":"they can take advantage of it. I"},{"speaker":"Sebastian Takle","startTime":2607.86,"endTime":2610.8,"body":"think we need to ever talk about"},{"speaker":"Sebastian Takle","startTime":2607.86,"endTime":2610.8,"body":"business email compromise. And"},{"speaker":"Sebastian Takle","startTime":2610.8,"endTime":2616.38,"body":"at the same time, I'm going to"},{"speaker":"Sebastian Takle","startTime":2610.8,"endTime":2616.38,"body":"refer back to your boss internet"},{"speaker":"Sebastian Takle","startTime":2616.38,"endTime":2618.75,"body":"organized crime threat"},{"speaker":"Sebastian Takle","startTime":2616.38,"endTime":2618.75,"body":"assessment, which was released"},{"speaker":"Sebastian Takle","startTime":2618.75,"endTime":2621.66,"body":"last week, which is it's an"},{"speaker":"Sebastian Takle","startTime":2618.75,"endTime":2621.66,"body":"important document for me"},{"speaker":"Sebastian Takle","startTime":2621.66,"endTime":2625.53,"body":"because despite having good"},{"speaker":"Sebastian Takle","startTime":2621.66,"endTime":2625.53,"body":"cooperation with the police and"},{"speaker":"Sebastian Takle","startTime":2625.53,"endTime":2628.65,"body":"things like that, you don't get"},{"speaker":"Sebastian Takle","startTime":2625.53,"endTime":2628.65,"body":"a lot of FaceTime with Interpol,"},{"speaker":"Sebastian Takle","startTime":2628.65,"endTime":2632.31,"body":"and Europol and things like"},{"speaker":"Sebastian Takle","startTime":2628.65,"endTime":2632.31,"body":"that. So having a look at their"},{"speaker":"Sebastian Takle","startTime":2632.31,"endTime":2636.54,"body":"perspective is important. They,"},{"speaker":"Sebastian Takle","startTime":2632.31,"endTime":2636.54,"body":"there was nothing particularly"},{"speaker":"Sebastian Takle","startTime":2636.54,"endTime":2639.87,"body":"surprising in that threat"},{"speaker":"Sebastian Takle","startTime":2636.54,"endTime":2639.87,"body":"assessment this year, the newest"},{"speaker":"Sebastian Takle","startTime":2639.87,"endTime":2643.77,"body":"thing was sim swapping, which"},{"speaker":"Sebastian Takle","startTime":2639.87,"endTime":2643.77,"body":"has been big abroad for a while"},{"speaker":"Sebastian Takle","startTime":2643.77,"endTime":2646.44,"body":"but it's it's new to Norway, so"},{"speaker":"Sebastian Takle","startTime":2643.77,"endTime":2646.44,"body":"then we're gonna we're gonna"},{"speaker":"Sebastian Takle","startTime":2646.44,"endTime":2649.2,"body":"come back to that. But I think"},{"speaker":"Sebastian Takle","startTime":2646.44,"endTime":2649.2,"body":"maybe the most disappointing"},{"speaker":"Sebastian Takle","startTime":2649.2,"endTime":2652.41,"body":"thing was that they said that,"},{"speaker":"Sebastian Takle","startTime":2649.2,"endTime":2652.41,"body":"you know, investment fraud was"},{"speaker":"Sebastian Takle","startTime":2652.41,"endTime":2656.46,"body":"on the rise, and that this was,"},{"speaker":"Sebastian Takle","startTime":2652.41,"endTime":2656.46,"body":"I think they call it a fairly"},{"speaker":"Sebastian Takle","startTime":2656.46,"endTime":2660.69,"body":"new trend or something. And I"},{"speaker":"Sebastian Takle","startTime":2656.46,"endTime":2660.69,"body":"mean, I just I just so strongly"},{"speaker":"Sebastian Takle","startTime":2660.69,"endTime":2664.47,"body":"disagree with this. It's been"},{"speaker":"Sebastian Takle","startTime":2660.69,"endTime":2664.47,"body":"there for so long. And there are"},{"speaker":"Sebastian Takle","startTime":2664.86,"endTime":2668.82,"body":"you know, Europol themselves in"},{"speaker":"Sebastian Takle","startTime":2664.86,"endTime":2668.82,"body":"their 2017 report said that"},{"speaker":"Sebastian Takle","startTime":2668.82,"endTime":2674.01,"body":"there was one organized criminal"},{"speaker":"Sebastian Takle","startTime":2668.82,"endTime":2674.01,"body":"group that 3 billion euros from"},{"speaker":"Sebastian Takle","startTime":2674.01,"endTime":2676.98,"body":"investment fraud alone, right"},{"speaker":"Sebastian Takle","startTime":2674.01,"endTime":2676.98,"body":"and then you combine that with"},{"speaker":"Sebastian Takle","startTime":2676.98,"endTime":2679.5,"body":"what I said about that, when you"},{"speaker":"Sebastian Takle","startTime":2676.98,"endTime":2679.5,"body":"have an organized criminal"},{"speaker":"Sebastian Takle","startTime":2679.5,"endTime":2682.8,"body":"groups around 3 billion euros,"},{"speaker":"Sebastian Takle","startTime":2679.5,"endTime":2682.8,"body":"they reinvest this money, right."},{"speaker":"Sebastian Takle","startTime":2682.8,"endTime":2685.2,"body":"It's now called x and it's"},{"speaker":"Sebastian Takle","startTime":2682.8,"endTime":2685.2,"body":"weapons and it's things like"},{"speaker":"Sebastian Takle","startTime":2685.2,"endTime":2690.3,"body":"this. We need to get a we need"},{"speaker":"Sebastian Takle","startTime":2685.2,"endTime":2690.3,"body":"to have a talk about investment"},{"speaker":"Sebastian Takle","startTime":2690.3,"endTime":2693.66,"body":"fraud, and how this ties in with"},{"speaker":"Sebastian Takle","startTime":2690.3,"endTime":2693.66,"body":"other other types of crime."},{"speaker":"Robby Peralta","startTime":2695.43,"endTime":2697.17,"body":"Mr. Takle thank"},{"speaker":"Robby Peralta","startTime":2695.43,"endTime":2697.17,"body":"you so much for your time."},{"speaker":"Robby Peralta","startTime":2697.23,"endTime":2699.51,"body":"There's lots of interesting"},{"speaker":"Robby Peralta","startTime":2697.23,"endTime":2699.51,"body":"stuff here, I have a million"},{"speaker":"Robby Peralta","startTime":2699.57,"endTime":2702.39,"body":"more questions. But it gives me"},{"speaker":"Robby Peralta","startTime":2699.57,"endTime":2702.39,"body":"a reason to have you back."},{"speaker":"Sebastian Takle","startTime":2702.46,"endTime":2703.72,"body":"Thank you very"},{"speaker":"Sebastian Takle","startTime":2702.46,"endTime":2703.72,"body":"much for having me."},{"speaker":"Robby Peralta","startTime":2706.06,"endTime":2708.49,"body":"Well, that's all"},{"speaker":"Robby Peralta","startTime":2706.06,"endTime":2708.49,"body":"for today, folks. Thank you for"},{"speaker":"Robby Peralta","startTime":2708.49,"endTime":2711.4,"body":"tuning in to the mnemonic"},{"speaker":"Robby Peralta","startTime":2708.49,"endTime":2711.4,"body":"security podcast. If you have"},{"speaker":"Robby Peralta","startTime":2711.4,"endTime":2714.28,"body":"any concepts or ideas that you"},{"speaker":"Robby Peralta","startTime":2711.4,"endTime":2714.28,"body":"would like us to discuss on"},{"speaker":"Robby Peralta","startTime":2714.28,"endTime":2717.25,"body":"future episodes, please feel"},{"speaker":"Robby Peralta","startTime":2714.28,"endTime":2717.25,"body":"free to send us a mail to"},{"speaker":"Robby Peralta","startTime":2717.25,"endTime":2721.27,"body":"podcast@mnemonic.nl Thank you"},{"speaker":"Robby Peralta","startTime":2717.25,"endTime":2721.27,"body":"for listening, and we'll see you"},{"speaker":"Robby Peralta","startTime":2721.27,"endTime":2721.72,"body":"next time."}]}