PenFed Selects Point Predictive’s Auto Lending Fraud Solution Suite

Media Contacts

Kassandra Meholick Sebastian

PenFed Credit Union


SAN DIEGO, Calif. & TYSONS, Va., January 28, 2020 – Point Predictive Inc., the San Diego-based company that builds Artificial & Natural Intelligence [Ai+Ni] models using machine learning, announced that PenFed Credit Union, the nation’s second-largest federal credit union, will use Point Predictive’s full suite of auto lending fraud prevention solutions.

PenFed will leverage Point Predictive’s patented technology and best-in-class fraud analyst team to reduce fraud and early payment default risk on its auto lending portfolio to provide members with an even more secure experience.

As part of the agreement, Point Predictive will provide PenFed access to their full suite of risk solutions, including Auto Fraud Manager with Auto Fraud Alert reporting, which will provide PenFed with sophisticated machine learning scoring for each application, unique machine learning individual dealer scoring and further assessment against 100 actionable alert conditions that assist in the identification of risk of fraud or early default loss.

In addition to the advanced scoring technology, PenFed will also leverage Point Predictive’s Outsourced Fraud Management (OFM) service driven by Point Predictive’s highly trained forensic fraud analyst team that researches high scoring applications and alerts to confirm fraud.

“Point Predictive serves as a great complement to our current internal protections,” said Sumeet Bhalla, SVP and Chief Credit Officer at PenFed. “Through extensive retrospective testing, we found their scoring technology and data to be unique to the industry and look forward to working with Point Predictive to mitigate fraud and risk”

“We’re proud to provide PenFed the full scope of our fraud prevention capability,” said Tim Grace, CEO of Point Predictive. “By enabling PenFed to leverage our consortium data assets, our unique Artificial and Natural Intelligence scoring technology for the applications and dealers, and our fraud analyst team, we are giving them the most comprehensive risk coverage available in the market.  Our view into risk is unique and powerful since we can spot trends across lenders and across dealerships unlike any other solution in the market.  By using both our scoring services and fraud analysts, PenFed will be able to tap into our unique insight and further prevent millions of dollars in losses due to fraud and risk.”

For more information on fraud technology or services from Point Predictive, please contact

About Point Predictive Inc.

Point Predictive Inc. enables lenders to fund more loans simply with a unique combination of Artificial Intelligence and Natural Intelligence [Ai+Ni] to power machine learning technology solutions. Point Predictive helps automotive, mortgage, retail and personal loan finance companies identify the consumer applications with truthful and reliable information without the intense interrogation and verification of data caused by lower-tech solutions currently in use. With the legacy of being the most trusted fraud and misrepresentation analytic solution providers, Point Predictive has transformed that trust to enable lenders to fund more loans to more consumers more easily.  Point Predictive uses big data powerfully orchestrated from millions of examples of true and falsified loan applications, billions of derived proprietary data elements, and scientifically selected third-party data sources to build powerful machine learning models with the added natural intelligence of human experience.  Located in San Diego, California, more information about Point Predictive can be found at

About PenFed Credit Union

Established in 1935, Pentagon Federal Credit Union (PenFed) is America’s second-largest federal credit union, serving 1.8 million members worldwide with $25 billion in assets. PenFed Credit Union offers market-leading certificates, checking, credit cards, personal loans, mortgages, auto loans, student loans, and a wide range of other financial services. Our mission is to empower members of our community to achieve their financial well-being. PenFed Credit Union is federally insured by the NCUA and is an Equal Housing Lender. To learn more about PenFed Credit Union, visit, like us on Facebook and follow us @PenFed on Twitter. Interested in working for PenFed? Check us out on LinkedIn. We are proud to be an Equal Employment Opportunity Employer.