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The Lending Link
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Podcast


THE LENDING LINK

The Lending Link Podcast Powered by GDS Link

Follow




ABOUT

The Lending Link Powered by GDS Link is a podcast hosted by Rich Alterman and
designed for the modern-day lender. Each episode deeply delves into innovation
within the financi
… Show more
You're Syncing Up With The Lending Link, Powered by GDS Link
Trailer38 sec
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Technologie


ALL EPISODES

--------------------------------------------------------------------------------

Matthew Gomes of Argyle Discusses Transforming Financial Services with Payroll
API Technology
The Lending Link

In a special episode of the Lending Link Podcast, recorded at the Fintech Meetup
in Las Vegas on March 3-6, 2024, host Rich Alterman sits down with Matthew
Gomes, General Manager of Consumer Lending and Banking at Argyle. Together, they
delve into the significant impact of payroll API technology on financial
services, particularly in streamlining and improving income and employment
verification for financial institutions. The conversation highlights Argyle's
role in modernizing how financial institutions verify income and employment. By
replacing outdated, labor-intensive verification methods with efficient,
automated solutions, payroll API platforms empower consumers to directly share
their financial data. This evolution leads to quicker, more accurate lending
decisions. Listen to this episode to understand how innovation and efficiency
are shaping the future of financial services through the lens of payroll API
technology.

Mar 22

14 min 59 sec




--------------------------------------------------------------------------------

CRO of Point Predictive Discusses the Future of Fraud Prevention During Fintech
Meetup
The Lending Link

Live from the Fintech Meetup in Las Vegas, March 3-6, 2024, host Rich Alterman
brings you a captivating Lending Link podcast episode featuring Jeff Hendren,
the Chief Revenue Officer of Point Predictive. Recorded amidst the hustle and
bustle of GDS Link's booth #1219, this episode dives deep into the
transformative world of fraud prevention, leveraging advanced analytics and AI.
Jeff Hendren shares an insightful overview of Point Predictive’s strategic
approach to combating fraud and enhancing loan performance. Through a unique,
proprietary dataset amassed from collaborations with over 50 lenders across the
U.S., Point Predictive has set a new standard in identifying fraud, mitigating
early payment defaults, and streamlining the loan approval process. This episode
of Lending Link is a must-listen for anyone keen on understanding the forefront
of fraud prevention strategies, the impactful use of AI in financial services,
and the evolving landscape of fintech innovation. Tune in now!

Mar 15

11 min 9 sec




--------------------------------------------------------------------------------

Lending Link LIVE: CEO of FairPlay Discusses the Future of Compliance in Model
Risk Management
The Lending Link

Broadcasting live from Fintech Meetup in Las Vegas, Nevada, we are excited to
showcase another exciting episode of the Lending Link Podcast. This time, we’re
syncing up with Kareem Saleh, CEO of Fairplay, who shares Fairplay’s innovative
approach that allows companies to evaluate the fairness of their predictive
models and make informed decisions to promote inclusivity and equity. Kareem
discusses the broader implications of fairness across the entire credit
lifecycle, emphasizing the need for fairness in marketing, fraud detection,
income verification, and more. Moreover, Kareem provides a glimpse into the
future of Fairplay, previewing upcoming enhancements such as a compliance
copilot to assist chief compliance officers in navigating the complexities of
AI, big data, and bias in consumer credit. Whether you’re a financial
professional, a tech enthusiast, or simply curious about the evolving landscape
of fairness in finance, this episode is a must-listen. Join us as we explore the
fascinating world of Fairplay and uncover the possibilities of a fairer, more
inclusive financial future. Tune in now and be inspired by the vision of
fairness in financial services.

Mar 6

14 min 30 sec




--------------------------------------------------------------------------------

Lending Link LIVE: LoanPro's CIO Explores How Transaction Level Credit is
Redefining Card Programs
The Lending Link

In the latest episode of The Lending Link LIVE, broadcasting from the Fintech
Meetup in Las Vegas, Nevada, we dive into the evolving landscape of modern
lending with Nate Bray, Chief Innovation Officer at LoanPro. Nate offers a
behind-the-scenes look at the journey of innovating within the lending sector,
emphasizing the transformative impact of compliance as a strategic lever for
staying ahead in the game. Jump into the latest episode and explore the future
of finance and upcoming trends in fintech!

Mar 5

11 min 6 sec




--------------------------------------------------------------------------------

Lending Link LIVE: CEO of Verdata Discusses the Evolution of Credit Scoring with
Alternative Data
The Lending Link

Broadcasting live from the Fintech Meetup in Las Vegas, Lending Link LIVE,
hosted by Rich Alterman from GDS Link's booth #1219, features a special episode
with Mike Mondelli, CEO of Verdata. They explore Verdata's innovative approach
to credit scoring and SMB lending using alternative data and AI. Mike offers
insights into credit assessment evolution, data aggregation challenges, and AI's
role in enhancing financial inclusivity. The conversation also covers starting a
business during the pandemic and transitioning to hybrid work models. Tune in
for an in-depth look at Verdata's contribution to fintech innovation and its
mission to transform the lending landscape.

Mar 4

10 min 13 sec




--------------------------------------------------------------------------------

Exploring GDS Link's Future with CEO Lisa Bonalle: Vision, Partnerships, and
Industry Transformation
The Lending Link

Lisa Bonalle, recently appointed CEO of GDS Link, is a key figure within
financial services, and despite taking the helm just a few months ago, her fresh
perspective is already making waves. On this episode of The Lending Link, she
delves into the ways digital innovation is reshaping lending practices with host
Rich Alterman. Bonalle emphasizes the critical need for agility and a
customer-centric approach, underscoring her commitment to guiding the industry
toward a more sophisticated and responsive future — Tune in now! Stay connected
with The Lending Link! Subscribe and follow us on our listening and social
platforms, and access exclusive GDS Link offerings at:
⁠⁠https://linktr.ee/thelendinglink⁠⁠. 

Feb 5

53 min 51 sec




--------------------------------------------------------------------------------

Plaid's Jonathan Gurwitz Unveils the Future of Open Banking and Credit Risk
Management  
The Lending Link

On this episode of the Lending Link, host Rich Alterman engages in an insightful
conversation with Jonathan Gurwitz, Credit Lead at Plaid, offering insights into
open banking and its growing role within credit risk management.   Discover how
Plaid's visionary strategies are reshaping lending paradigms and leveraging data
to unlock new levels of financial accessibility. Gain valuable insights into
industry trends, the transformative impact of open banking on lending practices,
and the pivotal role of data-driven decisions in shaping the future of financial
services. 

Nov 2023

41 min 17 sec




--------------------------------------------------------------------------------

Peter Wyman, CIO at Brundage Management, Discusses Mastering Analytics and The
Power of Modellica Analytics Pro
The Lending Link

On this episode of The Lending Link, we dive into Brundage Management Company's
transformative journey with GDS Link solutions, featuring CIO Peter Wyman.
Explore the impact of advanced analytics, a remarkable 66% surge in approved
applications, and insights from industry experts. Stay connected with the latest
trends and be inspired by their success story.   Stay connected with The Lending
Link! Subscribe and follow us on our listening and social platforms, and access
exclusive GDS Link offerings at: ⁠https://linktr.ee/thelendinglink⁠. 

Nov 2023

55 min 21 sec




--------------------------------------------------------------------------------

TransUnion's Sean Flynn Explores Key Trends Impacting Credit Unions and
Community Banks
The Lending Link

Explore the latest trends impacting credit unions and community banks in 2023
with TransUnion's Sean Flynn on The Lending Link podcast. Dive into crucial
topics like student loan payments, credit scoring, deposit marketing, and more.
Don't miss this insightful discussion on the future of financial institutions!
Stay connected with The Lending Link! Subscribe and follow us on our listening
and social platforms, and access exclusive GDS Link offerings at:
https://linktr.ee/thelendinglink.

Oct 2023

41 min 2 sec




--------------------------------------------------------------------------------

Brian Clegg, Sr. Lender Solutions Manager at Black Book, Dives Deep into Vehicle
Values and Auto Industry Trends
The Lending Link

Explore the latest trends in vehicle values and the dynamic auto industry in
this episode of The Lending Link podcast. Join host Rich Alterman and guest
Brian Clegg, Senior Lender Solutions Manager at Black Book, for insights into
car payments, remote work's impact, electric vehicles, and more. Stay informed
with expert analysis—tune in now!   Stay connected with The Lending Link!
Subscribe and follow us on our listening and social platforms, and access
exclusive GDS Link offerings at: https://linktr.ee/thelendinglink.

Sep 2023

40 min 41 sec




--------------------------------------------------------------------------------

Kevin Moss Forecasts the Future of The Industry and Explores Fintech, Risk, and
Economic Trends
The Lending Link

Explore financial trends, risk management strategies, and best lending practices
in this episode of The Lending Link podcast. Join Rich Alterman and lending
expert Kevin Moss as they break down topics like credit risk assessment,
economic forecasts, insights into the economy, fintech advancements, and risk
reduction. They cover a range of subjects, spanning from historical decisions to
predictions for the future.    Stay connected with The Lending Link! Subscribe
and follow us on our listening and social platforms, and access exclusive GDS
Link offerings at: https://linktr.ee/thelendinglink. 

Aug 2023

48 min 34 sec




--------------------------------------------------------------------------------

MeasureOne's CEO Elan Amir Shares the Power of Consumer Permission Data in
Lending
The Lending Link

Discover the impact of consumer permission data on the latest episode of The
Lending Link featuring MeasureOne's CEO, Elan Amir. Uncover key insights into
enhancing underwriting, leveraging permission data's power for better conversion
rates, and seamless integration with MeasureOne's platform. Learn how
MeasureOne's customer-centric approach advances financial inclusion and
navigates data privacy and compliance. Join us for a glimpse into the future of
lending and financial services. Stay connected with The Lending Link! Subscribe
and follow us on our listening and social platforms, and access exclusive GDS
Link offerings at: https://linktr.ee/thelendinglink.

Jul 2023

42 min 26 sec




--------------------------------------------------------------------------------

Equifax's SVP of Verification Services, Shelly Nischbach, and Best Egg's Senior
Director of Credit & Fraud Risk Management, Doug Mihalow discuss the Evolution
of Income Verification in Lending
The Lending Link

Discover the evolution and future of income and employment verification in
lending in this captivating episode of The Lending Link Podcast. Join industry
experts from Equifax and Best Egg as they discuss digital verifications,
compliance considerations, and the importance of financial inclusion. Gain
invaluable insights into the changing lending landscape and the role of income
verification. Tune in now! Stay connected with The Lending Link! Subscribe and
follow us on our listening and social platforms, and access exclusive GDS Link
offerings at: https://linktr.ee/thelendinglink.

Jul 2023

46 min 36 sec




--------------------------------------------------------------------------------

Credit Risk Expert, Richard Weil discusses the Art of Underwriting Strategy,
Exploring Creditworthiness Assessment and Performance Evaluation
The Lending Link

Join host Rich Alterman in this captivating episode of The Lending Link as he
explores the realm of consumer lending and credit risk with Richard Weil,
renowned for his extensive experience in underwriting strategy. Tune in to gain
valuable insights into the world of effective lending practices and take
advantage of unraveling the secrets behind credit risk management.  Stay
connected with The Lending Link! Subscribe and follow us on our listening and
social platforms, and access exclusive GDS Link offerings at:
https://linktr.ee/thelendinglink.

Jun 2023

41 min 33 sec




--------------------------------------------------------------------------------

GDS Link's EVP of Global Analytics, Carl Spilker, and West Coast University's VP
of Predictive Analytics and Data Science, Matt Shubert, Explore AI's Impact on
Finance
The Lending Link

Join GDS Link's Carl Spilker, EVP of Global Analytics and Advisory, and Matt
Shubert, VP of Predictive Analytics and Data Science at West Coast University,
along with guest host, GDS Link's VP of Global Marketing, Matthew Tepper, as
they discuss the wide-ranging impact of artificial intelligence (AI) in the
financial industry.  Gain valuable insights into AI applications, benefits,
leveraging data, best practices, market adaptation, insurance and lending,
regulatory concerns, fraud detection, and the potential of AI in transforming
financial processes.  Stay connected with The Lending Link! Subscribe and follow
us on our listening and social platforms, and access exclusive GDS Link
offerings at: https://linktr.ee/thelendinglink.

Jun 2023

43 min 54 sec




--------------------------------------------------------------------------------

Vouched's CEO John Baird discusses ID Verification in the Age of AI, Deep Fakes,
and Reputation Management
The Lending Link

Join Rich Alterman in an illuminating episode of The Lending Link as he engages
in a dynamic conversation with John Baird, CEO and Co-founder of Vouched.  
Explore Vouched.ID's groundbreaking ID verification solutions and its ambitious
mission to create the largest identity and reputation management platform
worldwide. Discover the significance of reputation, the seamless ID verification
process, AI technologies, and the battle against Deep Fake technology.   Don't
miss out on this captivating episode that unveils the path toward a more secure
and trustworthy digital future.  Stay connected with The Lending Link! Subscribe
and follow our listening and social platforms, plus access exclusive GDS Link
offerings here: https://linktr.ee/thelendinglink. 

Jun 2023

45 min 10 sec




--------------------------------------------------------------------------------

Cracking the Code: Frank McKenna, Chief Fraud Specialist for Point Predictive,
Shares Secrets to Predictive Lending and Fraud Prevention
The Lending Link

In this episode of The Lending Link, host Rich Alterman is joined by Frank
McKenna, Chief Fraud Specialist for Point Predictive, to discuss the turning
points that have led to significant changes in the lending industry,
particularly in relation to fraud prevention. With over two decades of
experience in the industry, Frank provides valuable insights into the world of
predictive lending, auto lending, and consumer loan fraud. Frank and Rich
explore a range of critical topics related to fraud prevention in the lending
industry, including: • The evolution of predictive lending from auto lending to
mortgage • The differences between credit card and mortgage fraud • The role of
data in fraud detection and prevention, and much more! Gain valuable insights
and knowledge on fraud prevention in the lending industry by tuning into this
informative episode of The Lending Link. Stay connected with The Lending Link!
Subscribe and follow our listening and social platforms, plus access exclusive
GDS Link offerings here: https://linktr.ee/thelendinglink.

May 2023

47 min 15 sec




--------------------------------------------------------------------------------

GDS Link's CEO Paul Greenwood Explores the Future of Credit Risk and Banking
with The Fintech Cowboys
The Lending Link

In this special episode of Lending Link, GDS Link's President and CEO, Paul
Greenwood, sits down with the FedFis' Fintech Cowboys to discuss his 20+ years
within the credit risk industry and the challenges of making changes to credit
policy. Paul shares his insights on using data to target marketing to qualified
borrowers and how GDS Link Marketing Services provides customized solutions for
lenders through an omnichannel marketing strategy.   Paul also discusses the
commercial repricing opportunity in the current cycle, the impact of the
work-from-home shift on banking, and the emergence of fintech in the last ten
years. He explores the increasing need for banks to embrace online lending and
plug into the lead side of marketing. The episode ends with a discussion on some
of the drawbacks of digital banking, the importance of storytelling, and the
unique feeling that community banking delivers.   Join us for this insightful
conversation on the future of banking and the importance of outreach within
community banking. Stay connected with The Lending Link! Subscribe and follow
our listening and social platforms, plus access exclusive GDS Link offerings
here: https://linktr.ee/thelendinglink

May 2023

28 min 28 sec




--------------------------------------------------------------------------------

Navigating the Evolving Landscape of Investment Banking: Insights from Tom
McDermott
The Lending Link

In this episode of The Lending Link, host Rich Alterman is joined by Tom
McDermott, Managing Director at Cambridge Wilkinson, to discuss the constantly
evolving world of investment banking. With over 25 years of experience in the
industry, Tom shares valuable insights on mezzanine financing, private equity,
and ESG investing. Tom and Rich delve into a range of critical topics related to
the investment banking industry, including: • Defining investment banking and
tips on raising capital • Differences between family offices, private equity,
and venture capital • The importance of speed when raising equity and mezzanine
financing • The significance of Environmental, Social, and Governance (ESG)
investing and how it impacts the industry Tune in to this informative episode of
The Lending Link to gain valuable insights and knowledge on the world of
investment banking. Be sure to follow Tom and our host Rich on LinkedIn, and for
the latest GDS Link updates and news, follow us on Twitter and LinkedIn. You can
subscribe to the Lending Link on Apple Podcasts, Spotify, Google Play, YouTube,
or wherever you prefer to listen to your podcasts! Stay connected with The
Lending Link! Subscribe and follow our listening and social platforms, plus
access exclusive GDS Link offerings here: https://linktr.ee/thelendinglink

Apr 2023

46 min 17 sec




--------------------------------------------------------------------------------

Combatting E-commerce Fraud in the Digital Age: Insights from Kount's Carlos
Osuna Zemelman
The Lending Link

As the world continues to undergo a rapid digital transformation, e-commerce has
become an indispensable aspect of our daily lives. However, with the increasing
popularity of online shopping, the threat of e-commerce fraud has also grown
significantly.  Experts have predicted that e-commerce fraud will soar to an
astounding $48 billion by 2023, emphasizing the severity of the issue. To combat
this growing problem, the e-commerce fraud detection and prevention market is
expected to reach a staggering $69 billion by 2025.  Joining us on this episode
of The Lending Link is Carlos Osuna Zemelman, Senior Director of International
Business Development with Kount.  Carlos sheds light on the unique challenges
posed by emerging technologies such as cryptocurrency from a fraud perspective
and how Kount's tools and artificial intelligence have become increasingly
crucial in combating the growing problem of e-commerce fraud. With his expertise
in international business development, Carlos provides valuable insights into
the e-commerce fraud landscape and the importance of staying ahead of the
constantly evolving threat.  Carlos and Rich also explore a wide range of
critical topics related to the e-commerce industry, including:  - Fraud
detection and prevention in the digital age  - The increasing prevalence of
account takeovers and their impact on the industry  - Leveraging the Identity
Trust Global Network to combat fraud  - The unique challenges of using data
effectively in fraud prevention  - Opportunities and challenges of working in
Latin America's e-commerce market  - Essential factors to consider when
evaluating a company's strategy in the e-commerce industry Tune in to gain
valuable insights into these and other key topics on navigating the complex
world of e-commerce fraud.  About Carlos Osuna  Carlos Osuna has been leading
transformation across emerging markets at Equifax since 2013. Throughout his
career, he has served as a trusted strategic advisor to executives and has taken
on a variety of leadership roles within marketing, product management, fraud
strategy, and business development.   With 17 years of combined experience
working with global brands, Carlos has an extensive knowledge of Latin American
markets and a proven ability to build and execute complex business strategies.
He also served as external staff for the World Economic Forum (WEF),
participating in their annual Davos meeting.   Carlos studied business
engineering at the Adolfo Ibáñez University, where he also earned his master's
in human resources with a specialization in management excellence.   Be sure to
follow Carlos and our host Rich on LinkedIn, and for the latest GDS Link updates
and news, follow us on Twitter and LinkedIn. You can subscribe to the Lending
Link on  Apple Podcasts, Spotify, Google Podcasts, YouTube, or wherever you
prefer to listen to your podcasts! Stay connected with The Lending Link!
Subscribe and follow our listening and social platforms, plus access exclusive
GDS Link offerings here: https://linktr.ee/thelendinglink

Mar 2023

40 min 14 sec




--------------------------------------------------------------------------------

Rise of Banking-as-a-Service: Exploring Partnerships and Innovation with Seattle
Bank's Josh Williams
The Lending Link

The Banking-as-a-Service (BaaS) market is having a profound impact on the
financial service industry, with a projected market size of $48.40 Billion by
2030. The rise of BaaS has pushed traditional banks to adapt and digitalize
their services, resulting in more partnerships between banks and fintech
organizations. This has led to greater innovation and a changing regulatory
landscape. Join our host Rich Alterman, on this episode of The Lending Link as
he sits down with Josh Williams, EVP, Chief Banking Officer & Head of
Partnerships at Seattle Bank, to explore the impact of BaaS on the financial
services industry. Josh and Rich discuss the early days of embedded banking, the
trade-offs and pain points involved, and how to identify new partners amidst
changing regulations. Josh and Rich cover a wide range of topics, including: 🚀
The first product that Seattle Bank is bringing to market 😩 Common pain points
and trade-offs within the BaaS space 🤝 Top considerations for forming
successful partnerships in the BaaS market 💡 The importance of financial
literacy and where to start So, put on your headphones and tune in for an
insightful BaaS-focused conversation! Show Notes: Download      GDS Link's new
eBook Navigating the BaaS Landscape:
https://info.gdslink.com/navigating-the-baas-landscape Seattle      Bank's
Partner Benefits page: https://www.seattlebank.com/fintech What      Fintech's
Should Know About Bank Priorities:
https://finxtech.com/what-should-fintechs-know-about-bank-priorities/ About Josh
Williams Josh Williams is Executive Vice President/Chief Banking Officer and
Head of Partnerships at Seattle Bank. Josh joined Seattle Bank in 2014 and now
leads Partner Banking, collaborating with fintechs, marketplaces, and brands to
integrate financial services into their customer experience. Josh leads with an
exceptional focus on understanding client needs and surpassing their service
expectations. Always aiming to advance his clients' progress toward their
financial and business goals, Josh directed the development of Seattle Bank's
private and commercial banking business lines designed for ultra-high-net-worth
families and closely held businesses. He has over 20 years of experience serving
as a resource to clients with complex banking needs, building, and leading
successful teams, and formulating and executing organizational strategy. Stay
connected with The Lending Link! Subscribe and follow our listening and social
platforms, plus access exclusive GDS Link offerings here:
https://linktr.ee/thelendinglink

Mar 2023

42 min 24 sec




--------------------------------------------------------------------------------

Exploring the Future of Buy Now Pay Later (BNPL) with TransUnion's Liz Pagel
The Lending Link

Stay connected with The Lending Link! Subscribe and follow our listening and
social platforms, plus access exclusive GDS Link offerings here:
https://linktr.ee/thelendinglink On this episode of The Lending Link, we delve
into the rapidly growing world of Buy Now Pay Later (BNPL) services. With the
BNPL market expected to reach a staggering $467.34 billion by 2026, this
innovative payment option is changing the way consumers approach shopping and
financial management.  Our guest, Liz Pagel, SVP and Consumer Lending Business
Leader at TransUnion, shares her passion for BNPL, how it may further financial
inclusion, and the challenges of accurately defining it in credit reporting.
Rich and Liz also provide valuable insights into the current state of BNPL
lending and the efforts being made to improve the industry, including:  •
Overcoming BNPL challenges, such as updating infrastructures and educating
lenders on dispute handling • The evolution of underwriting in the BNPL space
and the move towards traditional methods, using dynamic credit models and fraud
checks • The role of open-banking data in BNPL credit reporting • Promoting
women in management roles within the FinTech space and the industry's progress
in promoting women into senior-level positions  Don't miss out on this
informative discussion on the future of BNPL services. Tune in now! Show Notes
In this episode, we take a deep dive into the world of Buy Now Pay Later (BNPL).
Access the resources below to learn more about this topic: 💡  OpEd: BNPL Helps
Build Credit Histories  🔍 BLOG: The Future of BNPL Reporting  📖 BLOG:
Understanding Buy Now Pay Later: Benefits, Risks, and Alternatives 🧭 GUIDE:
Evolution of the Maturing POS/BNPL Consumer About Liz Pagel: Liz Pagel is a
Senior Vice President and the leader of TransUnion's Consumer Lending line of
business within the Financial Services vertical. Liz is responsible for the
strategy and market development activities that support lenders offering
unsecured personal loans, buy-now-pay-later, and other unsecured products. These
lenders include FinTechs, banks, finance companies, alternative lenders and
others.   Be sure to follow Liz and our host Rich on LinkedIn, and for the
latest GDS Link updates and news, follow us on Twitter and LinkedIn. You can
subscribe to the Lending Link on Apple Podcasts, Spotify, Google Play, YouTube,
or wherever you prefer to listen to your podcasts! Stay connected with The
Lending Link! Subscribe and follow our listening and social platforms, plus
access exclusive GDS Link offerings here: https://linktr.ee/thelendinglink

Feb 2023

35 min 35 sec




--------------------------------------------------------------------------------

Unsecured Lending Risk Management: The State of Lending in the U.S. and Canada
with Frank Tian
The Lending Link

In the digital era, personal lending products emerge daily from various banks,
credit unions, and fintech companies. When it comes to the U.S. and Canadian
markets, it is critical to understand the full credit lifecycle of lending and
risk management to remain agile and competitive. While the countries may share a
border and many similarities, they have several significant differences. In this
episode of The Lending Link, we sit down with credit risk specialist and author
of Unsecured Lending Risk Management, Frank Tian, to dive deeper into how these
markets have evolved over the past 20 years and delve into their discrepancies
within the lending market. Frank and Rich also discuss a variety of topics, such
as: The making of the book Unsecured Lending Risk Management The booming of
Fintechs and Big Tech's interest in banking A forecast on 2023's economy, will
it continue to improve? And examine the value of open banking data Show Notes:
To purchase Unsecured Lending Risk Management, visit here. Are you looking to
further your consumer lending education? Lending Link Listeners receive a
discounted rate for Frank's Consumer Lending Risk Management Essentials Course.
Enter GDSLink at the time of checkout to receive the $50 off (25% discount).
Learn more here. About Frank Tian: Frank Tian is a seasoned risk management
professional in the unsecured lending industry. His work over the past two
decades has spanned the full spectrum of retail risk management, from credit
strategy and risk modeling to credit systems and fraud management. Frank has
held various risk positions at multiple financial institutions in the US and
Canada, including Wells Fargo, MUFG Union Bank, GE Money, BMO, and CIBC. He
holds a Master’s Degree in Economics from the University of Ottawa and is a
certified Financial Risk Manager (FRM). Stay connected with The Lending Link!
Subscribe and follow our listening and social platforms, plus access exclusive
GDS Link offerings here: https://linktr.ee/thelendinglink

Jan 2023

36 min 38 sec




--------------------------------------------------------------------------------

The Numbers Don't Lie (Right?): The State of Lending and What to Trust in 2023
with Equifax's Tom O'Neill
The Lending Link

There isn't a period in the present day that we can equate to the COVID global
pandemic and the effects that this era has had on the lending industry. Society
was forced to isolate, everyone was left indoors, and not to mention that
spending fell off a cliff. It was only natural from a lending perspective to
withdraw and stop to wait and see what would happen before making any other
determinations. During this time, the CAREs Act also rolled out to help the
consumer base households weather the severity of the coronavirus storm. As the
CAREs Act avoided the tsunami of delinquencies and charge-offs, it did raise
questions about forbearance, payment holidays, and stimulus checks. Did this
create an environment that was artificial and not sustainable? On this episode
of The Lending Link, we sit down with Tom O'Neill, risk advisor with Equifax
where he leads consulting engagements for clients across Equifax’s 23-country
footprint. In this insightful discussion, Tom and Rich also delve into a variety
of topics spanning from: Are the rising credit scores contributing to higher
credit limits? Why are 65% of households living paycheck to paycheck? What has
changed in the adoption of alternative data? Buy Now Pay Later data and its
impact on consumers, and much more! About Tom O'Neill Tom O'Neill brings over 20
years of experience leading analytic consulting engagements within Financial
Services and other industries. As Risk Advisor at Equifax, O'Neill provides
analytic thought leadership to client senior management, public forums, and
various industry and advisory councils. While at Equifax, upon the onset of
COVID-19 and resulting CARES Act, Tom became responsible for producing weekly
market insight summary reports for client groups spanning industries and
lifecycle stages. He also regularly presented macroeconomic and industry trends
within various forums and continues to do so at Equifax. O'Neill's consulting
career began in process engineering and solution requirements, helping design a
GIS-mapping and reporting application for the US Department of Agriculture. He
previously led Optimization Consulting groups responsible for developing and
implementing. Stay connected with The Lending Link! Subscribe and follow our
listening and social platforms, plus access exclusive GDS Link offerings here:
https://linktr.ee/thelendinglink

Jan 2023

34 min 36 sec




--------------------------------------------------------------------------------

Increasing Profitability and Fairness Through Decisioning with Kareem Saleh from
Fairplay.ai
The Lending Link

Bias may present itself in a variety of ways within lending. When assessing
biases, two issues frequently arise: Was someone treated differently because of
who they are? Or did a sincere goal activity end as being harmful to one group?
A recent wave of technological innovation has enabled lenders to better
comprehend how distinct subpopulations might perform differently than the kind
of borrower they're used to seeing or that's effectively represented in the
data. On this episode of The Lending Link, we sit down with Kareem Saleh, CEO
and co-founder of fairplay.ai, which assists lenders in identifying potential
disparities in the decisioning systems, provides options to increase
profitability and fairness, and helps in demonstrating to consumers, regulators
and the public that they are taking strong steps to be fair. Kareem and Rich
discuss how to assess algorithms for bias and optimize them for failures and as
well as discuss a number of topics, including: The role of alternative data in
credit underwriting and machine learning What is the adverse impact ratio? How
is it determined? How does it function? How to identify variables for the
protected groups that may not be in your initial model Opportunities for lenders
to meet the requirements under the Community Reinvestment Act and more! About
Kareem Saleh Kareem Saleh is the founder and CEO of FairPlay, the world's first
Fairness-as-a-Service company. Financial Institutions use FairPlay's APIs to
embed fairness considerations into their marketing, underwriting, pricing, and
loss mitigation algorithms and automate fair lending testing and reporting.
Previously Kareem served as Executive VicePresident at Zest.ai, where he led
business development for the company's machine learning-powered credit
underwriting platform. Prior to Zest.ai, Kareem served as an executive at
SoftCard, a mobile payments company that Google acquired. Kareem also served in
the Obama Administration, first as Chief of Staff to the State Department's
Special Envoy for Climate Change, where he helped manage the 50-person team that
negotiated the Paris Climate Agreement, then as Senior Advisor to the CEO of the
Overseas Private Investment Corporation (OPIC) where he helped direct the U.S.
Government's $30B portfolio of emerging market investments with responsibility
for transaction teams in Europe, Latin America and the Middle East. Kareem is a
Forbes contributor and a frequent speaker on the application of AI to financial
services. He is a graduate of Georgetown University Law Center and an honors
graduate of the University of Chicago. Be sure to follow Kareem and our
host Rich on LinkedIn, and for the latest GDS Link updates and news, follow us
on Twitter and LinkedIn. You can subscribe to the Lending Link on Apple
Podcasts, Spotify, Google Play, or wherever you prefer to listen to your
podcasts!

Dec 2022

31 min 38 sec




--------------------------------------------------------------------------------

Leveraging Income Data Solutions to Accelerate Profitable Lending with Don
Chapman of Powerlytics
The Lending Link

Lenders within both consumer and SMB rely on data from a multitude of
third-party sources to make informed credit decisions. Understanding a
borrower’s income with a high degree of certainty is critical in terms of the
borrower’s ability to repay. Today, we see income verification solutions
employed across a variety of different applications, whether leveraged within
marketing efforts, typically in the form of targeted prescreen offers, as well
as within income solutions, usually through targeted credit line increase
offers. In this episode, Don Chapman, Head of Strategic Partnerships at
Powerlytics, whose core focus is partnering with platforms, data providers, and
others to leverage data and solutions that deliver value to banks and lenders.
Rich and Don analyze a variety of unique credit solutions and take a deeper dive
into topics like: The increase in reliance of income solutions by both banks and
non-traditional lenders Recent trends in the market, including which cities are
best prepared to take on a recession Three critical items lenders look for in
data providers The value of proactive credit line increases and navigating the
CARD Act How a nine-digit ZIP Code can accurately estimate a household's income
or a confidence score against the household's stated income About Don Chapman
Don Chapman joined Powerlytics in 2020 as Head of Strategic Partnerships. Don is
focused on partnering with platforms, data providers, and others to leverage
Powerlytics' data and solutions to deliver value to banks and lenders. Don
brings over 20+ years of senior marketing, business development, and sales
experience in the financial services, technology, and consumer goods industries.
Prior to joining Powerlytics, Don served as Head of Marketing for internet
services company Verisign where he was responsible for the company's global
marketing efforts. Before that, Don spent 18 years with Capital One and American
Express where he served in a range of marketing and partner-facing roles,
including building and managing co-branded card partnerships with JetBlue, Sony,
and Fidelity. Don earned a BS in Marketing from The University of Illinois and
an MBA from the Tuck School of Business at Dartmouth College. Be sure to
follow Don and our host Rich on LinkedIn, and for the latest GDS Link updates
and news, follow us on Twitter and LinkedIn. You can subscribe to the Lending
Link on Apple Podcasts, Spotify, Google Play, or wherever you prefer to listen
to your podcasts!

Dec 2022

28 min 13 sec




--------------------------------------------------------------------------------

Protecting your Business Against Fraud and Synthetic Identities with Tom Algie
from IDology
The Lending Link

By end of this year, fraud is projected to cost U.S. businesses roughly $2.5
Billion, with some research suggesting that figure could rise as high as $5
Billion by 2025. There’s no doubt that every business is vulnerable to fraud,
due largely to the numerous ways in which scammers can attack your organization.
So how do you prevent the unthinkable from occurring? A proper plan in place can
assist you, and your company in effectively reducing the likelihood of fraud and
minimizing losses. In this information prevention discussion, we’re joined by
Tom Algie, IDology’s National Sales Manager for Consumer Finance, and Rich and
Tom delving into the necessary fraud topics like: - What is ID verification
authentication and fraud mitigation - First-party Fraud vs. Synthetic Fraud -
How to identify a Synthetic Identity - Most common gaps in fraud mitigation
process within financial services today - Correlations between fraud tools and
loan increases available, and much more! About IDology IDology, a GBG company,
delivers some of the industry’s most innovative multi-layered identity
verification solutions to help businesses drive revenue, deter fraud and
maintain compliance. IDology’s ExpectID® platform leverages thousands of diverse
data sources to deliver the most accurate customer locate results, actionable
transparency, and on-demand control over the identity-proofing process. With
frictionless, secure digital identity verification, IDology empowers businesses
to onboard more legitimate customers quickly and confidently. Under their parent
company, GBG, IDology and Acuant recently united to form GBG Americas, the
largest pure-play identity verification and fraud prevention provider in the
Americas. About Tom Algie Tom Algie is National Sales Manager for Consumer
Finance at IDology. As an 18-year veteran of fintech, his experience includes
consulting and management roles in lending software, data processing, and
payments processing industries. Tom actively participates in multiple industry
trade associations, including Online Lenders Alliance, INFiN, American Financial
Services Association, and National Automotive Finance Association. Be sure to
follow Tom and our host Rich on LinkedIn, and for the latest GDS Link updates
and news, follow us on Twitter and LinkedIn. You can subscribe to the Lending
Link on Apple Podcasts, Spotify, Google Play, or wherever you prefer to listen
to your podcasts! From the Episode: Fifth Annual Consumer Digital Identity
Study: https://www.idology.com/5th-Annual-Consumer-Digital-Identity-Study/

Nov 2022

26 min 26 sec




--------------------------------------------------------------------------------

How to Properly Leverage Data & Technology Across the Entire Credit Lifecycle
with Gary Byrne
The Lending Link

As much as lending has changed in the last few years, its fundamental
tenet—putting the customer at the center of every choice—remains unchanged.
Nevertheless, the last few years have brought an abundance of changes fueled by
digitization and the adoption of big data. This, combined with shifting borrower
expectations, has driven positive impacts in the financial services space.
Today, as the UK and the rest of the world experience economic difficulty and
uncertainty, lenders must fully comprehend how these conditions affect their
customer’s creditworthiness and ability to pay. And most importantly, lenders
must effectively leverage technology and analytics to make accurate decisions
and quickly respond to changing conditions. In this episode, we’re joined by
Gary Byrne,  who manages GDS Link's UK Sales Operations. Gary boasts over 25
years of experience within credit risk and is intimately familiar with the
nuances and challenges facing UK lenders and organisations. Gary brings his
expertise to the table to shed light on key topics such as: Some steps lenders
should take to account for inflation The role of speed and transactional data in
the decisioning process Factors  slowing down the adoption of Open Banking data
How to future-proof your technology stack About Gary Byrne: Gary heads GDS
Link's UK business and is responsible for building a scalable, sustainable,
targeted sales model focused on forging lasting client partnerships across a
diverse yet highly sophisticated market. Gary's experience stretches from First
Direct and HBOS to Experian Scorex, Provenir, Earnix, FICO, and more recently,
TransUnion UK, where he was accountable for UK Software Sales. Be sure to follow
Gary and our host Rich on LinkedIn, and for the latest GDS Link updates and
news, follow us on Twitter and LinkedIn. You can subscribe to the Lending Link
on Apple Podcasts, Spotify, Google Play, or wherever you prefer to listen to
your podcasts!

Nov 2022

27 min 45 sec




--------------------------------------------------------------------------------

The Power of Technology in Financial Inclusion with Dan Quan from NevCaut
Ventures
The Lending Link

Shortly after the 2008 financial crisis, a new phrase emerged, and we were
quickly introduced to the thriving "Fintech" industry. When it comes to
financial inclusion, the more approachable you are, the more success you will
have. New financial technology has made it possible for businesses to offer
their goods and services for significantly less money. On this episode of The
Lending Link, we're joined by a special guest, Dan Quan, who has developed
several policies that have enabled the thriving Fintech environment, such as
Open Banking, AI, and alternative data. Dan is the Co-Founder of Nevcaut
Ventures, and he joins us to discuss his time at the Consumer Financial
Protection Bureau (CFPB) and various technologies that are shaping the
industry's future. In this informative discussion, Dan and Rich explore topics
like: •  The lasting impact and lessons learned from 'No Letter Actions' issued
by the CFPB •  Disparate Impact and how lenders can fairly and profitably
navigate •  Dan's insights into various FinTech pioneers and how this innovation
impacts his current investments •  Advice for startup companies seeking funding,
and much more!

Nov 2022

33 min 9 sec




--------------------------------------------------------------------------------

Navigating the Storm of High Inflation and Rising Interests Rates with Kevin
Moss
The Lending Link

There is little doubt that having to deal with a global pandemic for a few years
has altered the behaviors of both consumers and lenders. In fact, FinTechs are
currently operating in an environment with increased inflation and interest
rates for the first time ever. Many people are left wondering, "How do we
navigate this new domain?" In this week's episode, we are joined by Kevin Moss,
a 40+ year veteran of banking and credit risk management and compliance, who
discusses navigating the effects of rising inflation and interest rates. Kevin
and Rich delve further into a variety of subjects, including: the value of data
for the future what's driving the market right now the greatest distinctions
between bank loans and personal loans why financial literacy is so important for
businesses and much more Listen to learn Kevin's advice for lenders on
navigating the current storm successfully. Let's get synced! About Kevin Moss:
Kevin Moss is a Senior Advisor at Boston Consulting Group, Inc., who is actively
involved with financial institutions and Risk & Compliance practices. Kevin
works with clients on credit, fraud & banking risk management, FinTech, and
advisory. Kevin has a strong history of advising clients in risk management &
related matters for deposit/credit products, with deep knowledge of digital
channel strategies. From the Episode: New Reality Check - The
Paycheck-to-Paycheck Report: The Consumer Savings
Edition: https://www.pymnts.com/study/reality-check-paycheck-to-paycheck-inflation-stock-portfolios-consumer-savings/
Be sure to follow Kevin and our host Rich on LinkedIn, and for the latest GDS
Link updates and news, follow us on Twitter and LinkedIn. You can subscribe to
The Lending Link on Apple Podcasts, Spotify, Google Play, or wherever you prefer
to listen to your podcasts!

Oct 2022

30 min 30 sec




--------------------------------------------------------------------------------

Understanding the Landscape of Lending and Pressing Issues for the Modern Day
Lender with Rich Alterman
The Lending Link

You're tuning in and syncing up with The Lending Link, GDS Link's brand new
industry podcast designed for the modern-day lender. In this introductory
episode, we're chatting with the man of the hour and host of The Lending Link,
Rich Alterman. Rich has a deep-rooted history in credit risk management within
consumer lending, where he boasts over 40 years of helping lenders stay
competitive in our ever-changing environment. Matt Tepper, GDS Link’s Global
Marketing Director, sits down with Rich to talk about how he got started within
the industry, the wealth of experience that GDS Link brings to the market, how
the landscape of underwriting has evolved since Rich started his career, as well
as current pressing issues lenders may be facing. Be sure to subscribe to the
Lending Link on Apple Podcasts, Spotify, Google Play, or wherever you prefer to
listen to your podcasts. Are you interested in learning more about The Lending
Link? Visit our webpage here, and head over to GDS links, LinkedIn and Twitter
pages to hit those like and follow buttons. It's time to sync up with GDS Link!

Oct 2022

30 min 21 sec




--------------------------------------------------------------------------------

You're Syncing Up With The Lending Link, Powered by GDS Link
The Lending Link

You are syncing up and tuning in with The Lending Link Podcast, powered by GDS
Link and hosted by Rich Alterman. Join us as we explore unique strategies for
modern-day lenders and take a deep dive into the innovative advancements from
both GDS Link and industry powerhouses. Listeners will gain insights from
captivating guests within the FinTech, banking, and credit union worlds. Be sure
to follow us and subscribe to the Lending Link on Apple Podcast, Spotify, or
wherever you enjoy listening to this podcast too. Let start syncing!

Sep 2022

38 sec






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