Smarter Online Safety with Jocelyn King

He builds payment systems for a living, and he still got scammed. Twice.
This October is Cybersecurity Awareness Month, and this story is a powerful reminder that scams have nothing to do with intelligence, and everything to do with manipulation.
On this episode of the Smarter Online Safety Podcast, Jocelyn King, "The Queen of Online Safety," sits down with Sagar Nagda, technology entrepreneur and Founder & CEO of Nimap Infotech. Sagar lost thousands of dollars, once through Amazon Pay and once through PayPal, and watched his money disappear in real time while customer care said they couldn't even find his account.
But he didn't give up. Through persistence, police reports, LinkedIn, and a complaint to the Reserve Bank of India, he got every dollar back.
In this episode, you'll learn:✅ How one public post with his phone number led to a scam call✅ How a single OTP let scammers take over his account in 30 seconds✅ Why you should NEVER call the number in an email✅ The PayPal "friends & family" trap most people don't know about✅ How to escalate when customer service says no✅ Why acting fast and reporting immediately matters✅ How resilience and persistence can get your money back
⏱ CHAPTERS00:00 Meet Sagar Nagda00:55 Why a tech CEO got into cybersecurity03:06 How the Amazon Pay wallet works04:51 The public post that exposed his phone number05:48 The OTP that gave it all away06:19 Tip: hang up and call back06:43 Account taken over in 30 seconds07:55 "You don't have an account"09:34 Watching his money drain in real time14:11 Appeal after appeal, rejected15:32 The "second injury" of not getting help17:19 Filing a police report17:50 Reaching executives on LinkedIn20:37 When Amazon took the money back21:15 The complaint that finally worked23:00 Why perseverance pays off26:01 Scam #2: the fake PayPal email26:56 Why we call the number they give us29:12 The "friends & family" trap32:00 The credit card chargeback33:42 Getting the money back, twice34:17 Why acting fast matters36:10 Other ways to get help as a consumer37:45 Never authenticate an incoming call38:22 Phishing emails, websites & links39:42 Report it immediately: cybercrime helplines & IC343:18 How to get your case escalated45:00 Where to find Sagar Nagda
ABOUT SAGAR NAGDASagar Nagda is a technology entrepreneur and the Founder & CEO of Nimap Infotech, a global B2B technology services company. A bootstrapped entrepreneur and angel investor, he works closely with businesses on technology, AI, digital transformation, and global talent, and shares candid lessons from real-world experience, including his own as a victim of online financial fraud.
🔗 CONNECT WITH SAGARWebsite: https://nimapinfotech.comLinkedIn: https://www.linkedin.com/in/sagarnagda-founder/Instagram: https://www.instagram.com/itssagarnagda

He typed in 12 words, hit enter, and watched his crypto drain to zero in real time.
This October is Cybersecurity Awareness Month, and crypto scams are among the fastest-growing threats out there. According to the FBI, adults over 60 lost close to $5 billion to crypto fraud last year, and that's only what was reported.
On this episode of the Smarter Online Safety Podcast, Jocelyn King, "The Queen of Online Safety," sits down with Dr. Daniel Daniel, a dentist and dental educator from Halifax, Nova Scotia, who ignored Bitcoin for a decade. When he finally tried to learn it, there was no course to take. So he taught himself the hard way. He got scammed, robbed, and lost a fortune.
Today, he's the founder of The Bitcoin Education Program, helping people learn Bitcoin safely, with no hype and no jargon.
In this episode, you'll learn:
✅ The ONE rule you should never break in crypto ✅ How a fake "help desk" emptied his wallet in seconds ✅ The fake exchange "rep" scam that gets you to move your own money ✅ How fake trading platforms show you profits that don't exist ✅ Why the same scammers who rob you offer "recovery services" ✅ Simple security settings that protect your crypto account ✅ Why smart, successful people get scammed, and how to make sure you don't
You don't need to be a tech expert to stay safe. You just need to know the rules of the road.
👨‍⚕️ ABOUT DR. DANIEL DANIEL
Dr. Daniel Daniel spent years as a dentist and dental educator in Halifax, Nova Scotia, before teaching himself Bitcoin, and paying the price in scams and losses. He went on to coach busy professionals one-on-one and in private groups, and today runs The Bitcoin Education Program: two live sessions, one week apart, where participants don't just learn about Bitcoin, they leave owning it. No price predictions. No hype. Just education.
🎓 LEARN BITCOIN SAFELY WITH DR. DANIEL 👉
https://thebitcoineducationprogram.com
🔗 LinkedIn: https://www.linkedin.com/in/drdanieldaniel/

When AI starts acting on our behalf, who keeps it in line?
This October is Cybersecurity Awareness Month, and there's no better time to ask who's really in control as AI moves from answering our questions to acting on our behalf.
On this episode of the Smarter Online Safety Podcast, Jocelyn King, "The Queen of Online Safety," sits down with Dr. Latha Karthigaa, Director and Head of AI Governance at the Global AI Certification Council (GAICC), to talk about what "rogue AI" really looks like today. It's less Terminator and more an over-eager new hire who's been handed the master key.
In this episode, you'll learn:
✅ Real AI failures that cost people their jobs, homes, and even their children ✅ Why the same AI prompt can give you a different answer from one week to the next ✅ Why writing "guardrails" into a prompt is not the same as security ✅ Why there's no real "kill switch" for AI anymore ✅ What you should never upload to an AI chatbot, from blood reports to photos of your kids ✅ Why innovation is moving faster than governance, and what that means for you ✅ The hopeful side: how well-governed AI can transform healthcare, education, and more
You don't need to be a tech expert to protect yourself. You just need to stay curious and stay in control.
👩‍💼 ABOUT DR. LATHA KARTHIGAA Dr. Latha Karthigaa is the Director and Head of AI Governance at the Global AI Certification Council (GAICC), which has trained 10,000+ professionals across 38 countries in ISO/IEC 42001 and AI governance. She holds a PhD in Software Engineering, has founded and exited two AI companies, built AI systems for finance and legal firms, and co-founded Govern365.ai. She also publishes AI Governance Weekly, read by 28,500+ subscribers.
🎓 FREE ISO/IEC 42001 MASTERCLASS with Dr. Latha (live Q&A included) 👉 https://gaicc.org/iso-iec-42001-free-masterclass/
 

AI in the hands of bad hackers makes them good, makes good hackers great, and makes great hackers almost unstoppable.
To kick off National Cybersecurity Awareness Month, Jocelyn King, "The Queen of Online Safety," breaks down Anthropic's new AI threat report in plain English, with no tech jargon. What does it mean for everyday people using ChatGPT, Claude, Gemini, or any AI tool?
In this special edition of the Smarter Online Safety Podcast, you'll learn: ✅ Why AI is lowering the skill barrier, so almost anyone can become a scammer ✅ How criminals are using AI agents to do the work for them ✅ Why that panicked call from a "family member" is most likely fake ✅ 3 simple rules to protect yourself in an AI-powered world ✅ The S.A.F.E.R. Method™ to handle any suspicious call, text, or email
THE 3 RULES: 1️⃣ Protect your secrets – if you wouldn't post it, don't type it into AI 2️⃣ Limit AI's keys – give AI the minimum access it needs 3️⃣ Verify before you trust – "does this look real?" doesn't work anymore
⏱ CHAPTERS 00:00 Kicking off Cybersecurity Awareness Month 02:13 Anthropic's new AI threat report 04:10 Why this isn't about "cybersecurity" 05:08 When AI agents do the attacking 06:34 AI lowers the skill barrier for criminals 07:01 The grandmother scam ring in Japan 09:04 Don't fear AI, get smarter about it 10:14 Rule 1: Protect your secrets 13:49 Rule 2: Limit AI's keys 18:26 Rule 3: Verify before you trust 21:07 Deepfake family emergency calls 22:02 What Anthropic is really warning us about 24:02 AI as a tool for good 25:08 Recap + the S.A.F.E.R. Method™ 26:16 Online safety is like wearing a seatbelt
CONNECT:
Website: https://www.jocelynking.com Smarter Online Safety: https://www.smarteronlinesafety.com Instagram: https://www.instagram.com/saferjocelynking/ Facebook: https://www.facebook.com/saferjocelynking/ LinkedIn: https://www.linkedin.com/in/JocelynKing X: https://x.com/jocelynking1

SIM swap scams let hackers steal your phone number, reset your passwords, and drain your bank and crypto accounts, often in under an hour. In this episode, I sit down with cybersecurity veteran Mark Kreitzman, Chief Cyber Evangelist at Efani, who got SIM swapped himself after 18 years in the industry.
🔐 Get $99 off Efani's SIM swap protection: https://efani.com/sos
Mark's phone suddenly showed "No Network" while he was driving through the Arizona desert. By the time he got Wi-Fi, 6 password reset alerts hit his phone. The hackers had hijacked his number for 61 minutes, then quietly ported it back. In this interview, we break down exactly how SIM swapping works, why your carrier can't fully stop it, and the free steps you can take TODAY to protect your phone number, whether you're with AT&T, Verizon, or T-Mobile.
In this episode, you'll learn:
✅ What a SIM swap is (and why a stolen phone isn't required) ✅ How hackers bribe insiders and impersonate phone store employees ✅ The 2 PINs everyone should set up: the carrier port-out PIN and the SIM PIN ✅ Why SMS two-factor authentication (2FA) isn't enough, and when to use authenticator apps or a YubiKey ✅ The email mistake that makes you an easy target ✅ "Data poisoning": how Mark fights data brokers and AI web crawlers ✅ How AI voice cloning and organized scam compounds are fueling the rise in SIM swap fraud ✅ Exactly what to do if you get SIM swapped
🔗 CONNECT WITH MARK & EFANI Efani ($99 off): https://efani.com/sos Efani website & blog: https://www.efani.com Mark on LinkedIn: https://www.linkedin.com/in/kreitzman/ Efani YouTube channel: https://www.youtube.com/@efani

Free AI is not free — and in this episode a 30-year cybersecurity expert explains exactly what it's costing you.
I'm Jocelyn King, the Queen of Online Safety, and this week I sat down with Brian Beck, Senior Consultant at Proxurve Solutions in Indianapolis, who has spent three decades sitting across the table from small business owners who are holding YOUR data — your credit card, your medical records, your tax documents, your kids' information — usually with no security team and no budget.
What he told me should change how you use public Wi-Fi, free AI tools, and your own trash folder.
Most people think they're too small to hack. Brian's answer is brutal and it's the line that stuck with me: you're not important — you're a payday. Hackers don't want YOU. They want you as the doorway to something bigger, and in 2026 they're doing it with AI agents and automation while they sit in a coffee shop next to you.
🔑 WHAT YOU'LL LEARN IN THIS EPISODE: ✔️ Why "free AI" means your data becomes training data — and how to stop it ✔️ The ONE question to ask your dentist, vet, CPA and tax preparer before handing over your information ✔️ Why you should NEVER email tax documents, 1099s, or bank statements ✔️ The downloads folder and trash folder backdoors almost nobody empties ✔️ What's really on the old laptop you gave your kid or donated to a church ✔️ How hackers fake hotel Wi-Fi (I watched it happen live in Las Vegas) ✔️ Why MFA is NOT a silver bullet — and how MFA fatigue attacks actually work ✔️ VPNs explained in plain English, and the one VPN mistake that puts your whole company at risk ✔️ How to spot fake charity and disaster donation scams ✔️ The 2-minute setup that can save you $20,699 — the FBI's average loss per victim
👤 ABOUT MY GUEST Brian Beck is Senior Consultant at Proxurve Solutions, a locally owned Indianapolis firm founded in 2002 specializing in cybersecurity, AI architecture, and network design and management. He works with small and mid-sized organizations across Central Indiana and remotely nationwide.
🌐 Website: https://proxurve.com/ 💼 LinkedIn: https://www.linkedin.com/in/brianbeck73/ 🏢 Proxurve on LinkedIn: https://www.linkedin.com/company/proxurve-solutions-inc.

🚨 AI can now clone a voice from just a few seconds of audio — which means "I recognized their voice" isn't proof of anything anymore.
I'm Jocelyn King, and this week on the Smarter Online Safety Show I sit down with retired U.S. Army Brigadier General Terri Borras — 40 years in military intelligence, former Assistant Deputy Chief of Staff for Intelligence at the Pentagon, and now one of the sharpest voices working in cognitive security and deepfake detection. What she told me changed how I think about every "safe" system I use.
We get into:✔️ Why the real danger isn't inside your security systems — it's in the "seams" between them, and attackers already know exactly where those gaps are✔️ How AI voice cloning and deepfakes are already being used to impersonate your family, your bank, and your boss✔️ Why scam calls are built to rush you — and the one habit that shuts down almost every one of them✔️ What you're secretly authorizing every time you let an AI agent act on your behalf (hint: "I told it not to" won't protect you)✔️ The 72-hour window that decides whether a departing employee can quietly wipe out a small business✔️ Why "I'm not important enough to be targeted" is the most dangerous sentence you can tell yourself✔️ What cognitive security — I call it neurosecurity — really means, and why your own brain is now the #1 attack surface
Her rule for all of it, in three words: Pause. Verify. Act.
👤 CONNECT WITH RETD. BRIGADIER GENERAL TERRI BORRASLinkedIn: https://www.linkedin.com/in/aidatborras/ 
🔒 MORE FROM SMARTER ONLINE SAFETYSubscribe: https://www.youtube.com/@saferjocelynking Website: https://www.smarteronlinesafety.com/ 
I'm Jocelyn King, the Queen of Online Safety and a Top 10 Woman in Cybersecurity — here every week to help you and your family stay a step ahead of AI-powered scams. Subscribe so you never miss an episode.
📚 Referenced in this episode: AI voice-cloning capability, via Fox News : https://www.foxnews.com/tech/ai-voice-scams-clone-familys-voice 

Is pasting your work documents into ChatGPT putting your job on the line? 😳 In this episode of the Smarter Online Safety Show, I sit down with AI & data privacy attorney Charlyn Ho — a U.S. Navy veteran, former Big Law partner, and founder/CEO of Rikka Law Group — to break down exactly what happens to your data the second you hit "send" on ChatGPT, Claude, Gemini, or any AI chatbot.
Charlyn has spent her career on the other side of the table from the world's biggest tech companies — she's represented Microsoft and Meta and read the fine print the rest of us just scroll past. In this conversation, we get into why free AI tools can quietly turn your confidential company data into a fireable (or sueable) offense, what "if you're not paying, you're the product" really means for your privacy, whether AI chatbots and companion apps are actually safe — or even legal — for kids and teens, and what small business owners need to know to use AI without a legal department.
Whether you're an employee using AI at work, a parent worried about AI chatbots and your kids, or a small business owner building your first AI policy — this is your plain-English guide to using AI safely in 2026.
💡 WHAT YOU'LL LEARN IN THIS EPISODE:✔️ Why pasting company data into free ChatGPT could get you fired or sued for breach of confidentiality✔️ The real legal difference between free and paid AI tools (ChatGPT, Claude, Gemini, Perplexity)✔️ What "you are the product" actually means for your data and privacy✔️ Whether AI chatbots and companion apps are legal for kids and teens under COPPA✔️ What FERPA does (and doesn't) protect when schools roll out AI tools✔️ How smart devices like Alexa and Google Home have been subpoenaed as silent witnesses✔️ How to build a smart, risk-based AI policy for your small business or team✔️ Why "dark patterns" make it so hard to actually protect your privacy online✔️ How Charlyn's firm is building AI compliance agents to make legal guidance more accessible
🔗 RESOURCES & LINKS MENTIONED IN THIS EPISODE:
Connect with Charlyn Ho & Rikka Law Group:- Website: https://rikkagroup.com - About Charlyn: https://rikkagroup.com/about/leadership - Email: charlyn.ho@rikkagroup.com - Charlyn on Forbes: https://www.forbes.com/sites/charlynho/ - Youtube channel: https://www.youtube.com/@Rikka_Group  
Legal resources referenced in this episode:- COPPA (Children's Online Privacy Protection Act) — FTC: https://www.ftc.gov/business-guidance/privacy-security/childrens-privacy - FERPA (Family Educational Rights and Privacy Act) — U.S. Dept. of Education: https://studentprivacy.ed.gov/ferpa