When Fraud Becomes a Business: Stopping Bots, Agents, and the New Economics of Attack | A Brand Spotlight at RSAC Conference 2026 with Frank Teruel, Chief Operating Officer of Arkose Labs

Arkose Labs sits at the intersection of bot management, fraud prevention, and identity protection -- working with the world's largest consumer-facing brands to make fraud unprofitable. Frank Teruel walks through how the threat landscape shifted from nation-state actors and organized crime to fully democratized crime-as-a-service platforms, where MFA bypass kits are sold online and multi-billion dollar fraud operations run with the efficiency of a product company.

The conversation covers three of the biggest attack categories hitting organizations today: SMS toll fraud, bonus abuse, and fake account registrations. Each one exploits legitimate business flows -- onboarding, loyalty programs, referral bonuses -- and often goes entirely undetected by security teams because the attackers never trigger a traditional alert. In one example, a rideshare company's cell bill climbed by millions before anyone connected it to a fraud campaign.

With agentic AI now in the mix, the attribution problem has become exponentially harder. Is that agent booking a hotel room a legitimate user action or the opening move of an account takeover? Arkose Labs places its defenses at the very top of the funnel -- registration and login flows -- combining risk scoring, challenge technology, a 24/7 SOC, and a dark web intelligence program called ACTOR. When a novel attack technique surfaces in gaming, Arkose Labs writes a global mitigation; when that same technique hits banking two days later, the defense is already deployed.

Frank Teruel closes with a direct message to CISOs: 75% of organizations surveyed cannot perform attribution, and 97% expect a major AI-driven incident within the next 12 months. The signal to watch for is not always in the security stack -- it shows up in rising SMS bills, unusual account-linking activity, and transaction abandonment rates that do not match marketing spend. The answer is internal fusion: security, fraud, finance, and operations sharing data before the incident, not after.

This is a Brand Spotlight. A Brand Spotlight is a ~15 minute conversation designed to explore the guest, their company, and what makes their approach unique. Learn more: https://www.studioc60.com/creation#spotlight

GUEST

Frank Teruel, Chief Operating Officer, Arkose Labs
https://www.linkedin.com/in/frankteruel/

RESOURCES

Arkose Labs: https://www.arkoselabs.com

RSAC Conference 2026: https://www.rsaconference.com

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