A Point Predictive Newsletter
The Network Effect
A monthly email newsletter on credit union fraud, from someone who sat in your chair.
Real fraud schemes, real numbers, and what shared consortium intelligence means for your credit union. Written by a twenty-year BSA and fraud veteran who spent her career on your side of the desk.
Jen Lamont
Credit Union Fraud Strategist
Point Predictive
The Phish Has a Website Now
The phishing email grew up. Scammers now build entire dealership websites, complete with logos, testimonials and a phone number, and the member’s wire is very real. Jen on how she fell into fraud work, what phishing looked like 20 years ago, and five checks your frontline can run today without buying anything.
Read Issue No. 4 → 03 ISSUE NO. 3 • OCTOBER 2026The Member Who Came Back 40 Points Cleaner
A member reapplies eight months after a decline with two charge-offs and a collection gone and her score up forty points. It wasn’t identity theft, it was credit washing. Jen on fighting fraud with memory alone, a swimming pool she still thinks about, the 5,000 copy-paste CFPB complaints Frank McKenna traced, and five checks you can run today with no new tools.
Read Issue No. 3 → 02 ISSUE NO. 2 • SEPTEMBER 2026The Loan That Never Should Have Funded
A thin-file 18-year-old who never existed, a cashier’s check that never arrived, and a fraud that cost a fortune even though every dollar came back. Jen breaks down how identity farms age synthetic profiles until the fake borrower out-scores the real one, and what your team can do about it.
Read Issue No. 2 → 01 ISSUE NO. 1 • AUGUST 2026From One Side of the Desk to the Other
Jen spent twenty years fighting fraud inside credit unions. In her first issue, she explains why she moved to the vendor side, what consortium data actually is, and why your data alone isn’t enough against a record $10.4 billion in auto lending fraud exposure.
Read Issue No. 1 →New issues land here first, roughly once a month.
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