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ASHBURN, United States: In the heart of Data Center Alley — a patch of suburban Washington where much of the world’s Internet traffic flows — Visa operates its global fraud command center.
The numbers that the payments giant grapples with are enormous. Every year, $15 trillion flows through Visa’s networks, representing roughly 15 percent of the world’s economy. And bad actors constantly try to syphon off some of that money.
Modern fraudsters vary dramatically in sophistication.
To stay ahead, Visa has invested $12 billion over the past five years building AI-powered cyber fraud detection capabilities, knowing that criminals are also spending big.
“You have everybody from a single individual threat actor looking to make a quick buck all the way to really corporatized criminal organizations that generate tens or hundreds of millions of dollars annually from fraud and scam activities,” Michael Jabbara, Visa’s global head of fraud solutions, told AFP during a tour of the company’s security campus.
“These organizations are very structured in how they operate.”
The best-resourced criminal syndicates now focus on scams that directly target consumers, enticing them into purchases or transactions by manipulating their emotions.
“Consumers are continuously vulnerable. They can be exploited, and that’s where we’ve seen a much higher incidence of attacks recently,” Jabbara said.

The warning signs are clear: anything that seems too good to be true online is suspicious, and romance opportunities with strangers from distant countries are especially dangerous.
“What you don’t realize is that the person you’re chatting with is more likely than not in a place like Myanmar,” Jabbara warned.
He said human-trafficking victims are forced to work in multi-billion-dollar cyber scam centers built by Asian crime networks in Myanmar’s lawless border regions.
The most up-to-date fraud techniques are systematic and quietly devastating.
Once criminals obtain your card information, they automatically distribute it across numerous merchant websites that generate small recurring charges — amounts low enough that victims may not notice for months.
Some of these operations increasingly resemble legitimate tech companies, offering services and digital products to fraudsters much like Google or Microsoft cater to businesses.
On the dark web, criminals can purchase comprehensive fraud toolkits.
“You can buy the software. You can buy a tutorial on how to use the software. You can get access to a mule network on the ground or you can get access to a bot network” to carry out denial-of-service attacks that overwhelm servers with traffic, effectively shutting them down.
Just as cloud computing lowered barriers for startups by eliminating the need to build servers, “the same type of trend has happened in the cybercrime and fraud space,” Jabbara explained.
These off-the-shelf services can also enable bad actors to launch brute force attacks on an industrial scale — using repeated payment attempts to crack a card’s number, expiry date, and security code.
The sophistication extends to corporate-style management, Jabbara said.
Some criminal organizations now employ chief risk officers who determine operational risk appetite.
They might decide that targeting government infrastructure and hospitals generates an excessive amount of attention from law enforcement and is too risky to pursue.

To combat these unprecedented threats, Jabbara leads a payment scam disruption team focused on understanding criminal methodologies.
From a small room called the Risk Operations Center in Virginia, employees analyze data streams on multiple screens, searching for patterns that distinguish fraudulent activity from legitimate credit card use.
In the larger Cyber Fusion Center, staff monitor potential cyberattacks targeting Visa’s own infrastructure around the clock.
“We deal with millions of attacks across different parts of our network,” Jabbara noted, emphasizing that most are handled automatically without human intervention.
Visa maintains identical facilities in London and Singapore, ensuring 24-hour global vigilance.

HUNT, Texas: Rescuers in Texas raced against time Sunday to find dozens of missing people, including children, swept away by flash floods that killed at least 82 people, with forecasters warning of new deluges.
US President Donald Trump said he would “probably” visit the southern state on Friday.
The president brushed off concerns his administration’s wide-ranging cuts to weather forecasting and related federal agencies had left local warning systems worse-off.
Instead, Trump described the flash floods as a “100-year catastrophe” that “nobody expected.”
At least 40 adults and 28 children were killed in the worst-hit Kerr County in central Texas, Sheriff Larry Leitha said, while at least ten more people were killed by flooding in nearby areas.

“You will see the death toll rise today,” warned Texas public safety chief Freeman Martin at a press conference.
“Across the state, in all the areas affected by flooding, there are 41 known missing,” Texas Governor Greg Abbott said.
As questions grew about why warnings did not come sooner or people were not evacuated earlier in the area popular with campers, Trump said the situation was a “Biden setup.”
“That was not our setup,” Trump told reporters on Sunday, adding that he would “not” hire back meteorologists when probed about staff and budget cuts at the National Weather Service (NWS).
Asked about whether he would change his plans to phase out the Federal Emergency Management Agency, he responded: “FEMA is something we can talk about later.”
Trump, who previously said disaster relief should be handled at the state-level, also signed a major disaster declaration that freed up resources for Texas.

In central Texas, some 17 helicopters joined the search for missing people, including ten girls and a counselor from a riverside Christian summer camp where about 750 people had been staying when disaster struck.
In a terrifying display of nature’s power, the rain-swollen waters of the Guadalupe River reached treetops and the roofs of cabins in Camp Mystic as girls slept overnight Friday, washing away some of them and leaving a scene of devastation.

Blankets, teddy bears and other belongings at the camp were caked in mud. Windows in the cabins were shattered, apparently by the force of the water.
The National Weather Service (NWS) warned Sunday that slow-moving thunderstorms threatened more flash floods over the saturated ground of central Texas.
Governor Abbott warned that heavy rainfall could “lead to potential flash flooding” in Kerrville and surrounding areas, as officials warned people against going near the swollen river and its creeks.
The flooding began at the start of the Fourth of July holiday weekend as months’ worth of rain fell in a matter of hours, much of it coming overnight as people slept.
The Guadalupe surged around 26 feet (eight meters) — more than a two-story building — in just 45 minutes.

Flash floods, which occur when the ground is unable to absorb torrential rainfall, are not unusual in this region of south and central Texas, known colloquially as “Flash Flood Alley.”

Scientists say that in recent years human-driven climate change has made extreme weather events such as floods, droughts and heat waves more frequent and more intense.
Officials said while rescue operations were ongoing, they were also starting the process of debris removal.
“There’s debris all over the place that makes roads impassable, that makes reconstruction projects unachievable,” Abbott said.
People from elsewhere in Texas converged on Kerr County to help look for the missing.
Texans also started flying personal drones to help look but local officials urged them to stop, citing a danger for rescue aircraft.
One of the searches focused on four young women who were staying in a house that was washed away by the river. Adam Durda and his wife Amber, both 45, drove three hours to help.
“There was a group of 20-year-olds that were in a house that had gotten washed away,” Durda told AFP. “That’s who the family requested help for, but of course, we’re looking for anybody.”
Justin Morales, 36, was part of a search team that found three bodies, including that of a Camp Mystic girl caught up in a tree.
“We’re happy to give a family closure and hopefully we can keep looking and find some of the... you know, whoever,” he told AFP.
“Help give some of those families closure. That’s why we’re out here.”