About SPEmet
Meet the Founder
Raquel Schwarcz - Young
SPEmet was founded by Raquel Schwarcz, a fraud, investigations and risk executive whose career has spanned frontline investigations, corporate misconduct, global payments and large-scale technology risk.
Most recently, Raquel led fraud & risk programs and fraud prevention products at Amazon, working across insider risk, payment fraud, account takeover, card testing, chargebacks, authentication quality and fraud operations across multiple markets.
She founded SPEmet to bring a different perspective to the AI era, one that starts with human behavior, real-world consequences and the operational realities of fraud, rather than technology for technology’s sake.
Her work has included identifying more than $200M in fraud exposure and loss opportunity, reducing account-takeover exposure by more than 95% in targeted programs, and leading global teams and complex fraud-control transformations.
That experience led to a recurring question:
Why do fraud systems become most certain after the adversary has already succeeded?
Project EMBER and EmberTrace grew from the search for an earlier answer.
in fraud & risk
delivered
Why SPEmet exists.
After more than two decades working inside the systems fraud exploits, a pattern became clear: by the time traditional controls are certain, the adversary has often already succeeded.
As AI makes identity, voice, images and conversation increasingly convincing, the challenge is no longer just detecting fraud — it’s understanding how trust is created, manipulated and converted into action.
SPEmet was founded to move risk intelligence upstream, combining real-world experience with practical AI, governance and research to help organizations and individuals make safer, more informed decisions.
From frontline investigations to global fraud systems.
More than two decades working where human behaviour, financial risk, technology and consequential decisions intersect.
RSPCA
Investigative Foundations
Frontline investigations, evidence-led casework, enforcement and prosecution.
Telstra
Corporate Investigations & Risk
Enterprise misconduct, fraud, control failures and complex corporate investigations.
Woodside
Enterprise Risk & Complexity
Risk and investigations across high-stakes operational and stakeholder environments.
Amazon
Global Fraud & Payments at Scale
Global buyer risk, payment fraud, account takeover, card testing, chargebacks and fraud operations.
SPEmet
AI Risk & Trust Intelligence
Founder. Building advisory, research and technology focused on AI-enabled fraud, manipulated intent and pre-extraction trajectory intelligence.
Selected prior organisations are shown solely to describe professional experience and do not imply endorsement of, sponsorship by, or affiliation with SPEmet.
Five principles for an AI-mediated world.
Identity is
not intent.
Authenticity
is not trust.
Trust requires
provenance.
Consequential decisions need friction.
Security must follow trajectories, not isolated events.