Informed.IQ

?? Digital Fraud in Auto Sales is Evolving ?? In just one week, three dealerships fell victim to the same sophisticated fraud scheme—costing them millions. The scam, which spreads through WeChat, preys on Chinese-speaking buyers and leverages fake electronic payments to leave dealerships and consumers empty-handed. But this time, the industry is fighting back. Dealers, lenders, and tech companies are breaking down silos, sharing fraud data, and implementing real-time payment verification to stop scammers before they strike. ?? Jessica Pillado Gonzalez, PMP, MBA, POPM dives deep into this growing threat in Auto Remarketing’s March 2025 issue—exploring how industry collaboration is the key to staying ahead of fraudsters. Read the full article here: ?? https://lnkd.in/gSdEA6fs #AutoFraud #DigitalFraud #AutoLending

AI is transforming auto finance, but here’s the challenge: fine-tuning AI models for accuracy without sacrificing adaptability. ???? At Informed.IQ, we see lenders struggling with this tradeoff. Fine-tuning large models like GPT-4 can enhance fraud detection and risk assessment—but it’s data-intensive and can lead to overfitting. Sometimes, smaller, more targeted AI models or hybrid approaches work even better. ? Ensemble modeling reduces error rates ? Model distillation makes AI faster & cost-effective ? Hybrid AI blends ML with rule-based systems for accuracy The future of AI in auto finance isn’t just about bigger models—it’s about smarter strategies. How is your team balancing AI accuracy and flexibility? ?? Read the full blog here: https://lnkd.in/gjEixKhw #AI #AutoFinance #MachineLearning #Fintech

Did you catch our blog last week? ?? The U.S. Treasury’s FinCEN has sounded the alarm: Fraudsters are using deepfake AI to bypass identity verification and KYC checks. These advanced forgeries make it harder than ever for lenders to detect fraud. Fake IDs, manipulated paystubs, even AI-generated bank statements—they all look real. How can the industry fight back? AI-powered fraud detection. Thomas Oscherwitz explains how metadata analysis, contextual checks, and consortium data are key to staying ahead. ?? The next wave of fraud isn’t coming—it’s already here. ?? Deepfake technology is making fraudulent documents shockingly realistic—altering text, photos, and even metadata to slip past standard security checks. So, how do lenders fight back? By using AI-powered fraud detection that looks beyond surface-level verification. Thomas Oscherwitz breaks down how advanced AI models, contextual document analysis, and consortium data are stopping fraud before it happens. Don’t let deepfakes put your business at risk. ?? Read the blog: https://lnkd.in/gpqqCA4S #FraudDetection #AI #Deepfakes #AutoFinance #RiskManagement

The Governmental Affairs Conference (GAC) in D.C. starts TODAY! And Informed.IQ is excited to join the conversation on innovation in credit unions.?? Our team—Benjamin Riggin, Gayle Gustafson, and Scott Strand—will be on-site, ready to talk about how AI-powered automation is transforming loan processing, risk management, and compliance for credit unions. What can InformedIQ do for your credit union? ? Automate verifications for faster, more accurate lending decisions ? Reduce fraud & risk with AI-driven document intelligence ? Enhance member experience by eliminating manual bottlenecks If you’re attending GAC, let’s connect! Reach out to Ben, Scott, or Gayle to schedule a meeting and explore how Informed.IQ can help your institution drive efficiency and member satisfaction. ?? Drop a comment or send us a message to book time! #GAC2025 #CreditUnionTech #AI #FinancialServices #DigitalTransformation #InformedIQ

The Treasury’s latest report underscores AI’s transformative power in financial services—particularly in auto lending. But it also raises critical questions: ?? How do we prevent bias in AI-driven underwriting? ?? What steps must fintechs take to ensure compliance with evolving regulations? ?? How can lenders leverage AI to enhance efficiency without compromising consumer trust? Jessica Pillado Gonzalez, PMP, MBA, POPM dives deep into these topics in her latest article featured by Auto Dealer News, outlining the key insights from the Treasury’s report and what they mean for the future of auto finance. ?? Don’t miss her expert analysis: https://lnkd.in/gcUNq9Fb

?? Last chance to register for the Governmental Affairs Conference (GAC)! ?? Don’t miss the premier event for credit union professionals in Washington DC, where industry leaders, lawmakers, and innovators will come together to shape the future of financial services. Why should you attend? ? Advocate for credit unions and engage with policymakers ? Gain insights from world-class speakers on financial well-being ? Network with top professionals in lending, compliance, and technology ? Explore cutting-edge AI and automation solutions to streamline operations ?? InformedIQ will be there! Our team—Benjamin Riggin, Gayle Gustafson, and Scott Strand—is looking forward to connecting and discussing how AI-driven automation can enhance loan processing, reduce fraud, and improve efficiency for credit unions. ?? There’s still time to register—don’t wait! Secure your spot now and let’s meet at GAC! https://lnkd.in/gUK-G8Yd #GAC2025 #CreditUnionLeaders #AIinFinance #FinancialInnovation #DigitalLending #InformedIQ

The next wave of fraud isn’t coming—it’s already here. ?? Deepfake technology is making fraudulent documents shockingly realistic—altering text, photos, and even metadata to slip past standard security checks. So, how do lenders fight back? By using AI-powered fraud detection that looks beyond surface-level verification. Thomas Oscherwitz breaks down how advanced AI models, contextual document analysis, and consortium data are stopping fraud before it happens. Don’t let deepfakes put your business at risk. ?? Read the blog: https://lnkd.in/gpqqCA4S #AI #FraudPrevention #DeepfakeFraud #AutoLending #FinTech

The Treasury Weighs In on AI in Auto Finance – Are You Ready? ???? The U.S. Department of the Treasury’s latest report confirms what we’ve long believed: AI is reshaping auto finance. From streamlining underwriting to enhancing compliance, AI-driven solutions are revolutionizing how we process loans, detect fraud, and ensure fairness. But with innovation comes responsibility. The Treasury’s findings highlight key risks—data privacy, algorithmic bias, and third-party governance—that demand attention. So, how can fintechs, lenders, and dealers strike the right balance between innovation and regulation? ?? Jessica Pillado Gonzalez, PMP, MBA, POPM breaks down the report’s key takeaways in Auto Dealer News, exploring how AI fintechs are turning challenges into opportunities. ?? Read the full article here: https://lnkd.in/gcUNq9Fb

?? The countdown to the Governmental Affairs Conference (GAC) is on! ?? Informed.IQ is thrilled to be part of this premier event, where credit union professionals, policymakers, and industry leaders come together to shape the future of financial services. What’s on the agenda? ? Engaging discussions on financial well-being and industry innovation ? Insights from world-class speakers and policymakers ? Opportunities to network with top credit union professionals Our team—Benjamin Riggin, Gayle Gustafson, and Scott Strand—will be there, ready to connect! If you’re attending and want to discuss how AI-driven automation can help streamline verifications, improve compliance, and enhance the lending experience, let’s set up a meeting. ?? DM us, comment below, or reach out to our team directly to schedule time with Ben, Scott, or Gayle! #GAC2025 #CreditUnionInnovation #AIinFinance #AutoLending #DigitalTransformation #InformedIQ

? Time is running out—don’t miss your chance to attend the Governmental Affairs Conference (GAC)! ? The GAC in Washington, D.C. is the must-attend event for credit union professionals looking to make an impact. From engaging with lawmakers to exploring the latest fintech innovations, this conference is where the future of the industry takes shape. Why attend? ? Hear from world-class speakers on the future of financial services ? Participate in Hill Hikes to advocate for the credit union movement ? Network with industry leaders and decision-makers ? Discover cutting-edge solutions to enhance member experience ?? Informed.IQ will be there! Our team—Benjamin Riggin, Gayle Gustafson, and Scott Strand—is excited to connect and share how AI-powered automation is transforming loan processing, compliance, and risk management. ?? Secure your spot now before it’s too late! Register today and let’s set up a time to meet at GAC: https://lnkd.in/gUK-G8Yd #GAC2025 #CreditUnions #FinancialWellBeing #AIinFinance #DigitalLending #InformedIQ