
April 18, 2026
Ep 5: Michael Vergara
When is fraud really abuse, and when is abuse just a customer taking advantage of a policy you left open? In our latest In a Pinch episode, Mike Vergara (veteran risk leader across RSA, PayPal, Blackhawk, and now Trustly) makes the case for a product-first approach to risk, unpacks the rise of first-party abuse, and shares the origin story of "human-in-the-loop" at PayPal a decade before the term existed. A must-listen for anyone building in fraud, risk, product, or fintech.