Polymarket loosens anti-money-laundering controls amid $10M fraud

Summary

A Wall Street Journal investigation revealed that Polymarket compromised its anti-money-laundering controls while fraudsters targeted its U.S. platform, resulting in approximately $10 million in stolen debit card deposits. Beginning in February, culprits attempted to deposit funds using stolen cards and then withdraw the proceeds, prompting payment processor Checkout.com to flag over 80% of these transactions as fraudulent. The investigation noted that Polymarket leadership relaxed a critical safeguard requiring funds to be withdrawn to the original payment source, a standard practice in financial institutions to prevent money laundering. Following the incident, the company's chief compliance officer resigned, and the CFTC has since launched an investigation into the attack, directing Polymarket to preserve relevant records.

Analysis

Polymarket: Polymarket operates a prediction market platform focused on event-based betting. The company faced a significant fraud incident on its U.S. platform involving stolen debit card deposits, prompting internal policy changes and leadership departures as detailed in the WSJ investigation. Executives emphasized growth priorities while addressing regulatory concerns afterward. Shayne Coplan: Shayne Coplan serves as CEO of Polymarket. He directed employees to prioritize platform growth over immediate resolution of regulatory fines in response to the fraud attack. Andrew Clifford: Andrew Clifford was Polymarket U.S. chief compliance officer. He resigned in April after submitting a detailed report on the fraudulent activity to company executives. Security: A registration flaw in late July enabled attackers to take over accounts using victims' Social Security numbers without passwords. Compliance: Polymarket's internal investigation concluded that the company had complied with applicable regulations. Investigation: The CFTC is investigating Polymarket in relation to the fraud attack and has instructed staff to preserve records.

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