In a recent Payments Insights video, EPCOR President and CEO Brandie Thacker discusses an often-overlooked truth about fraud prevention: at its core, fraud is a human problem.  

While technology is crucial in protecting payments, Thacker highlights that fraud rarely occurs because systems fail; it happens because human decisions are involved. She points out that when fraud happens, it’s almost always a person, not the technology, making that critical decision. 

“Technology is essential, but people decide whether controls are followed, whether warnings are ignored, whether a payment gets stopped,” Thacker said.  

Throughout the video, Thacker unpacks how organizations can better address the human element of fraud by moving beyond check-the-box controls and focusing on real behavioral change.  

Key topics covered include: 

• Behavioral fraud awareness and how understanding human tendencies can strengthen defenses
• Insider risk and the subtle warning signs organizations often miss or ignore
• Training that actually changes behavior, not just policies on paper

By reframing fraud prevention as a people-centered challenge, Thacker offers practical insights for building stronger, more resilient payment environments. 

View the full video here.