In this episode of Integrity Insights, Filip is joined by Jan Indra, a threat intelligence specialist with a decade of experience in financial crime prevention. Jan began his career as an investigative journalist, later moved into consultancy and long-term due diligence projects, and now focuses on researching the ecosystem that enables fraud to flourish.

The conversation dives deep into how fraudsters operate today and why understanding their infrastructure — not just individual cases — is crucial for prevention.

Key themes discussed:

• The evolution of financial crime tactics
  Fraud doesn’t happen in isolation. Jan explains how fraudulent documents, fake identities, and suspicious transactions are all interlinked, often forming part of wider, industrialised schemes.
• Template farms
  Jan describes how websites and Telegram channels openly sell editable templates of bank statements, IDs, utility bills, pay slips, invoices, and even death certificates. These “farms” are easy to find with a simple Google search, often optimized with SEO to reach the widest audience. He explains the different formats offered (PDFs, PSDs, generators that batch-produce fake documents), and the scale — hundreds of thousands of fraudulent templates in circulation.
• Account farms
  Beyond fake documents, entire verified accounts are now being sold — from bank and fintech logins to crypto exchange profiles and remittance service accounts. This trend shows how quickly fraud enablers adapt, and why institutions need to anticipate emerging threats.
• Success rates and risks
  Not all fake documents succeed in slipping through controls, but even a small percentage poses huge problems at scale. Jan discusses how quality of the fake, institutional risk appetite, and the robustness of KYC processes determine outcomes. Some institutions may see 5% fraudulent submissions; others up to 20%, with major operational and financial consequences.
• Geographies and actors
  While much of the infrastructure is anonymised and globally distributed, Jan outlines investigative clues about where some operators may be based, their backgrounds, and how underground economies of fraud overlap with mainstream online spaces.
• Why institutions should care
  Beyond regulatory compliance, fraud enabled by weak KYC systems carries heavy reputational risk, potential for serious financial losses, and operational disruption when organised groups exploit vulnerabilities at scale.
• The role of threat intelligence
  For Jan, threat intelligence means systematically researching fraud enablers, understanding their modus operandi, and mapping the ecosystem. This knowledge is the first step toward prevention — ensuring organisations aren’t always several steps behind the attackers.

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In this episode of Integrity Insights, we speak with Casey Michel, investigative journalist and Head of the Kleptocracy Program at the Human Rights Foundation in New York City. Casey is the author of American Kleptocracy and Foreign Agents, two seminal books on the mechanisms of global illicit finance and foreign influence operations.

Our discussion focuses on the United States’ recent retreat from its longstanding leadership in global anti-corruption efforts. Casey explains how key legislative tools, such as the Corporate Transparency Act (CTA) and the Foreign Corrupt Practices Act (FCPA), are no longer being meaningfully enforced—despite being landmark steps in combating financial secrecy and foreign bribery just a few years ago.

We explore:

• Why the U.S. became the world’s biggest hub for illicit finance.
• How lobbying efforts and state-level interests undermined the CTA.
• The implications of the Department of Justice’s recent decision to narrow FCPA enforcement to matters of "U.S. strategic interest".
• Concerns that enforcement tools are being politicised, potentially weaponised against foreign or domestic political opponents.
• How these rollbacks have severely damaged U.S. credibility and leadership in global anti-corruption efforts.

Casey also places this regression in historical context, suggesting we may be in a modern “Gilded Age” but offers hope by pointing to past cycles of reform following periods of entrenched corruption.

Finally, we ask: can anyone step into the void left by the U.S.? While no single actor currently matches the scope of American enforcement powers, Casey sees signs of renewed leadership from Europe—particularly in the UK, France, and Switzerland—and stresses the need for greater transnational coordination going forward.

Listen to this episode for a deep dive into the shifting landscape of anti-corruption enforcement and what it means for democracies around the world.

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In this episode, host Filip Brokes is joined by Pav Gill, former Head of Legal for the Asia Pacific region at Wirecard and current Founder & CEO of Confide Platform. Pav shares his extraordinary journey from a career at prominent international law firms to becoming a whistleblower who helped expose one of Europe’s biggest corporate scandals.

Pav discusses his entry into Wirecard, explaining the context in which he was headhunted for the role, unaware of the fraudulent activities occurring at the highest levels of the company. He provides insights into the internal workings of Wirecard’s Singapore office, his initial positive experiences, and the unexpected discoveries that led to his whistleblowing.

Listeners will hear the rationale behind Pav’s decision to remain anonymous during the initial stages of whistleblowing, his collaboration with investigative journalists at the Financial Times, and the strategic considerations behind the disclosure of his identity in the media and the acclaimed Sky documentary.

Pav reflects on his post-Wirecard career trajectory, highlighting the challenges he faced in returning to the workforce and how his whistleblower status later became a unique asset. He provides thoughtful analysis on the role of short-sellers in uncovering corporate misconduct, offering balanced perspectives on the ethical dimensions of their activities.

The conversation shifts to Pav’s entrepreneurial journey with the launch of Confide Platform—a compliance-tech startup focused on whistleblowing and compliance reporting. Pav explains his motivation for creating a secure, trusted solution designed to empower organizations to identify and manage internal issues proactively, thereby preventing scandals similar to Wirecard.

The episode also delves into broader regulatory discussions, with Pav offering a comparative analysis of global whistleblowing frameworks. He evaluates the strengths and weaknesses of the EU Whistleblower Directive and explores regulatory trends in Asia, Europe, and the US, including recent political influences on regulatory enforcement.

To conclude, Pav stresses the importance of compliance professionals staying apolitical and diligently focused on applying existing regulatory standards, irrespective of broader political dynamics.

Recommended Resources by Pav Gill:

• Sky Documentary: Wirecard: A Billion Euro Lie
• Book by Dan McCrum (FT Reporter): Money Men
• Financial Times Article: The long-form FT exposé detailing Pav’s whistleblower journey (September 2021).

About Pav Gill:
Pav Gill is a lawyer and compliance expert based in Singapore. Following his critical whistleblower role in exposing Wirecard, he founded Confide Platform, an end-to-end whistleblowing and compliance management tool designed to strengthen corporate integrity globally.

Integrity Insights is produced by Berlin Risk Advisors GmbH

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