Banking on Fraudology Human Trafficking and the Fraud Fighter’s Responsibility: A Conversation with Freddy Massimi
Oct 1, 2025
In this insightful discussion, Freddy Massimi, a certified financial crimes investigator and leader at Truist Bank, reveals the dark link between human trafficking and financial crime. He highlights critical red flags for fraud analysts, such as repeated hotel stays and sudden cryptocurrency transactions. Freddy emphasizes the necessity of cross-team collaboration in combating trafficking and shares stories of real-world interventions. With a passion for survivor support, he calls for compassion when dealing with suspicious individuals, urging financial institutions to act decisively against exploitation.
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Money Movement Connects Fraud And Trafficking
- Money movement links fraud and exploitation because traffickers use the same payment rails as fraudsters.
- Recognizing that connection turns transactions from numbers into potential opportunities to save lives.
Treat Credential Changes As High Risk
- Watch for scam-center indicators like foreign logins, changing emails, phones, or addresses after a message link interaction.
- Treat sudden credential or contact changes with suspicion and escalate for human-trafficking review.
Flag Repeated Lodging And Shared Contacts
- Monitor repeated short-term lodging and cheap motels near highways plus multiple accounts tied to one phone or IP.
- If alerts show many accounts linked to a single contact, call law enforcement after filing a SAR.