AFSA Extra Credit Podcast

The AFSA Extra Credit Podcast is a quick take on the consumer credit industry from the professionals who work in it every day.

The Payments Update w/ Steve Murphy, PayNearMe 09/26/2024

The Payments Update w/ Steve Murphy, PayNearMe In this episode of the AFSA Extra Credit Podcast, we’re chatting with Steve Murphy, Director of Marketing with PayNearMe, who you may know as the sponsor of the puppies at AFSA conferences. Did you also know they do payments? Technology and the payments industry is moving so quickly that it’s important to sit down and take an overview of the state of play every now and again. Steve and I talk about how customers are using payments technology, what their expectations are and how regulatory considerations are making things more complicated. We also take a bit of a detour to chat about AI and cover some of the things that lenders need to consider when they’re shopping around for payment platforms in 2024. ---------- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. or find the AFSA Extra Credit Podcast anywhere you listen. /episode/index/show/afsaonline/id/33222522

Advances in Contracting w/ Dustin Wesner 09/12/2024

Advances in Contracting w/ Dustin Wesner In this episode of the AFSA Extra Credit Podcast, we’re joined by Dustin Wesner, Vice President of Product Management with Odessa. With more than 25 years of auto experience, Dustin knows a thing or two about contracting and works closely with Odessa clients to joins us to share his best practices for contracting in 2024 and how lenders can alleviate bottlenecks and level up the customer purchase journey. Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. or find the AFSA Extra Credit Podcast anywhere you listen. /episode/index/show/afsaonline/id/33082597

AI - Boon or Bust? 09/09/2024

AI - Boon or Bust? In this episode of the AFSA Extra Credit Podcast, we’re joined by David Ralstin, Vice President, Chief Information Security Officer for Allied Solutions. His role provides governance, accountability, and trusted advisory services for technology risk management and information security controls at Allied. Artificial intelligence has been around as a technology since the 1950's, and its most recent development with generative AI (GenAI) tools like ChatGPT, Gemini, and Copilot have thrust decades of research into the spotlight. Just like any tool, attackers can and have been using GenAI tools to enhance their operations to great effect. But security professionals can also leverage GenAI for their own benefit. The cat and mouse game continues with a new tool. Who will win? Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/32975282

Industry Icon #9 | Suzi Straffon, Allied Solutions 05/07/2024

Industry Icon #9 | Suzi Straffon, Allied Solutions The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features , Director, Finance Company Markets with Allied Solutions Suzi has had a successful career because of her tenacity and importance she places on learning, particularly from her mentors. She chats with Danielle Fagre Arlowe, SVP of AFSA, on how she ended up in the industry, who her influences are, and touches on the importance of having a mentor. ------- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/27432378

Industry Icon #8 | Rochelle McClanahan, Brundage Management/Sun Loan 04/30/2024

Industry Icon #8 | Rochelle McClanahan, Brundage Management/Sun Loan The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features , Chief Financial Officer/Compliance Officer with Brundage Management/Sun Loan. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and touches on the importance of having a mentor. /episode/index/show/afsaonline/id/27004098

Industry Icon #7 | Lisa Verdun, Point Perdictive 04/23/2024

Industry Icon #7 | Lisa Verdun, Point Perdictive The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features , Senior Fraud Consultant with Point Predictive. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and where she sees the industry in the next decade. /episode/index/show/afsaonline/id/26811057

Industry Icon #6 | Ginger Herring, 1st Franklin Financial 04/16/2024

Industry Icon #6 | Ginger Herring, 1st Franklin Financial The AFSA Extra Credit Podcast Industry Icon series continues, featuring outstanding female leaders in the consumer credit industry. This episode features Ginger Herring, President & CEO of 1st Franklin Financial. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and where she sees the industry in the next decade. /episode/index/show/afsaonline/id/26633859

Industry Icon #5 | Darcy Locke, ACI Worldwide 04/02/2024

Industry Icon #5 | Darcy Locke, ACI Worldwide AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features , Vice President, Head of Consumer Finance Sales with ACI Worldwide. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and where she sees the industry in the next decade. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/26367288

Industry Icon #4 | Mara McNeill, Toyota Financial Savings Bank 03/26/2024

Industry Icon #4 | Mara McNeill, Toyota Financial Savings Bank AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features President & CEO of Toyota Financial Savings Bank. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and about her three careers - military, legal and then financial services - have shaped her views. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/26306001

Industry Icon #3 | Marguerite Watanabe, Connections Insights 03/19/2024

Industry Icon #3 | Marguerite Watanabe, Connections Insights AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features President, Connections Insights. She chats with , SVP of AFSA, on how she ended up in the industry, who her influences are, and the importance of knowing your value. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/26200647

Industry Icon #2 | Kristen Miller, Global Lending Services 03/12/2024

Industry Icon #2 | Kristen Miller, Global Lending Services AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. This episode features , SVP, General Counsel & Compliance Officer with Global Lending Services. She chats with , SVP of AFSA, on how she ended up in the industry, who are influences are, and the responsibility she feels she has to help the next generation of female leaders. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/26157252

Industry Icon #1 | Tanya Sanders, Wells Fargo 02/27/2024

Industry Icon #1 | Tanya Sanders, Wells Fargo AFSA is celebrating Women's History Month with a special Extra Credit Podcast series, Industry Icons, featuring outstanding female leaders in the consumer credit industry. Our first episode features , Head of Wells Fargo Auto. She chats with , SVP of AFSA, on how she ended up in the industry, who are influences are, and the responsibility she feels she has to help the next generation of female leaders. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/26092587

Ep. 55 | Alternative Data Download w/ Equifax 10/12/2023

Ep. 55 | Alternative Data Download w/ Equifax In this edition of the AFSA Extra Credit Podcast, we chat with Lena Bourgeois, SVP & General Manager of Automotive & Insurance with Equifax about alternative data. It’s a term that gets thrown around a lot but Lena gives us the download on what it is, what it can do for your business and most importantly, how it can increase credit access for consumers. We also touch on how bringing alternative data into your business processes can help you weather our current economic uncertainty. ------ Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/28298057

Ep. 54 | Changing Perspective on Auto Finance 07/27/2023

Ep. 54 | Changing Perspective on Auto Finance In this edition of the AFSA Extra Credit Podcast, we chat with , Founder & CEO of which offers consumers a flexible auto financing schedule that matches payments with paychecks. We have a broad conversation about Robert’s journey, the benefits of changing the perspective on how consumers pay for vehicles and the importance of affordability. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/27581295

Ep. 53 | Creating your company's value proposition 06/29/2023

Ep. 53 | Creating your company's value proposition AFSA member companies are generally very good at marketing their own products and services. What about your company? Are you telling prospective hires and current employees why they should work with you? , Managing Director with People joins us again to share her findings and best practices on creating and developing your company’s value proposition. And, its more important than ever as the economy remains unstable and inflation sticks around. In this episode we talk about how do get started developing your company’s value proposition, why it’s important and an important note about the departments and people you need involved. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/27322665

Ep. 52 | Fair Lending Pt. 2 w/ CRA's Dr. Adam Gailey 06/14/2023

Ep. 52 | Fair Lending Pt. 2 w/ CRA's Dr. Adam Gailey This episode of the Extra Credit Podcast is Part Two of our conversation with, , VP of Compliance Education and , Principal in the Financial Economics Practice at Charles Rivers Associates, on getting your Fair Lending house in order. In the last episode, Dr. Gailey and Philip discussed the things that you can control, like underwriting, servicing and other processes. In this episode, the two compliance experts discuss what you cannot and what’s coming down the pike. /episode/index/show/afsaonline/id/27137589

Ep. 51 | Fair Lending w/ CRA's Dr. Adam Gailey 06/08/2023

Ep. 51 | Fair Lending w/ CRA's Dr. Adam Gailey In this episode of the podcast, , VP of Compliance Education talks with , Principal in the Financial Economics Practice at Charles Rivers Associates, on getting your Fair Lending house in order and looking carefully at questions surrounding things you can control like underwriting, buy rate setting and servicing. State and federal regulators are examining underwriting practices, rate-setting and servicing more than ever before. Dr. Gailey has worked on numerous DOJ and CFPB investigations, class-action lawsuits, and regulatory compliance cases, that typically involve providing statistical and economic analyses of large amounts of data focusing on issues related to the use of overdraft protection, indirect auto finance, redlining, and fair lending. A second episode, coming next week, will delve into what you can’t control and what to expect next. /episode/index/show/afsaonline/id/27082872

Ep. 50 | Rick Hackett & Stephen McDaniel on F&I Compliance 05/25/2023

Ep. 50 | Rick Hackett & Stephen McDaniel on F&I Compliance In this episode of the AFSA Extra Credit Podcast, Dan chats with Co-founder & CEO with F&I Sentinel and , Board Member with F&I Sentinel and former Assistant Director at the Consumer Financial Protection Bureau. We pick Stephen’s brain on some of the strategies companies can use to ensure F&I compliance is front of mind. We also take advantage of Rick’s unique expertise and view into the Bureau to look at what they might be thinking on the F&I front. Be sure to check out the that Stephen & Rick did with AFSA a few weeks ago. This isn’t one to miss. /episode/index/show/afsaonline/id/26951655

Ep. 48 | The State of Vehicle Finance w/ Melinda Zabritski 04/25/2023

Ep. 48 | The State of Vehicle Finance w/ Melinda Zabritski In this edition of the AFSA Extra Credit Podcast, Dan chats with , Senior Director for Experian's automotive financial services team. She swings by to give listeners a look into what we can glean from Experian's Q4 . She also looks at affordability and uses her crystal ball to see what what be coming down the pike in the Q1 report. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/26650518

Ep. 47 | Hudson Cook on FTC Safeguards Rule 04/13/2023

Ep. 47 | Hudson Cook on FTC Safeguards Rule In this edition of the AFSA Extra Credit Podcast, we tackle the soon-to-be-effective FTC Safeguards Rule. , Attorney with Hudson Cook joins us to give us the 35,000 foot view of the rule, some of the nitty gritty that companies will have to get into and who exactly is covered (hint, its most folks). Dailey also discusses some of the unintended consequences of the rule and talks about what to expect next. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/26530785

Ep. 46 | Manatt Returns to Talk CFPB Registries 03/23/2023

Ep. 46 | Manatt Returns to Talk CFPB Registries The experts from are back to discuss the Consumer Financial Protection Bureau's (CFPB) registries on terms and conditions and "bad actors." We dive deep on what each registry is, the motivation for their promulgation, the impact they could have on consumers who need credit and the constitutionality of the Bureau in the first place. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/26308908

Ep. 45 | Affordability & Creditworthiness w/ Spencer Slade, PTS 03/13/2023

Ep. 45 | Affordability & Creditworthiness w/ Spencer Slade, PTS Affordability and creditworthiness are two key factors - really the two key factors - that determine whether Americans can get access to the credit they need. Unfortunately, rate caps have made affordable credit, especially those who have a challenging credit report, far more difficult to get in many locations. In this episode of the Extra Credit Podcast, chats with of about both of these factors and how lenders need to adapt to continue to reach their customers. PTS offers a vairety of different products that help lenders and consumers alike, like GAP protection, auto club memberships and tax services. ----- Don’t forget to follow AFSA on Twitter and and on . The blog at is also a great resource for the most up-to-date news. If you’ve got questions or you’d like to suggest a guest, please shoot us an email at or tweet at us. /episode/index/show/afsaonline/id/26210979

Ep. 44 | Olivia Moseley on the Power of The EDGE 02/27/2023

Ep. 44 | Olivia Moseley on the Power of The EDGE In this episode of the AFSA Extra Credit Podcast Dan chats with , Distrct Manager with Heights Finance and the Year 1 President of AFSAEF's The EDGE program. Olivia shares how valuable the program was to her and highlights some of the key reasons she thinks all AFSA members should consider it a must-attend program for rising industry leaders. Registration for The EDGE and AFSAEF's Leadership Development Program is now open. Head to to learn more and register. /episode/index/show/afsaonline/id/26068599

Ep. 43 | Celia Winslow & Danielle Arlowe on the Auto Remarketing Podcast 02/14/2023

Ep. 43 | Celia Winslow & Danielle Arlowe on the Auto Remarketing Podcast AFSA SVPs Celia Winslow and Danielle Arlowe recently appeared on he Auto Remarketing Podcast with Nick Zulovich of Auto Finance News. Celia & Danielle discussed the latest developments on the federal and state level, respectively, in connection with actions by lawmakers and regulators. Special thanks to Nick and the team at SubPrime Auto Finance News for letting us republish the conversation here. about the Auto Remarketing Podcast and subscribe today. /episode/index/show/afsaonline/id/25927290

Ep. 42 | Attracting Millennial + Gen Z Talent 01/19/2023

Ep. 42 | Attracting Millennial + Gen Z Talent In this episode of the AFSA Extra Credit Podcast Dan chats with Terri Horn, Managing Director of People Strategies, a boutique firm specializing in executive search, recruiting, and Human Resources consulting. We cover one of the hottest topics in financial services and the economy broadly right now: recruitment and retention. Terri shares some of what she learned over the course of her career matching job seekers with companies. Dan and Terri dive deep on recent research surrounding what prospective employees are looking for, what they expect to have in an employer/employee relationship and ways you can take your HR efforts to the next level. For more information, visit or get in touch with Terri directly at . /episode/index/show/afsaonline/id/25658796

Ep. 41 | Fraud Isn't What You Think 12/08/2022

Ep. 41 | Fraud Isn't What You Think In this episode of the AFSA Extra Credit Podcast Dan chats with Justin Davis, VP of Product Delivery and Frank McKenna, Chief Strategist with Point Predictive about the uptick in fraud as we come out of the pandemic and the economy remains turbulent. They also talk about what kind of fraud we're really seeing in the market. Hint? It's not a concerted effort by criminals. /episode/index/show/afsaonline/id/25262877

Ep. 40a | An Addendum on the 5th Circuit Decision w/ Manatt 10/31/2022

Ep. 40a | An Addendum on the 5th Circuit Decision w/ Manatt Given the 5th Circuit's recent decision regarding the CFPB's funding, we thought it made sense to bring our experts from Manatt back to the pod give us an idea of what it all means. Bryan Schneider and Scott Pearson join us again to add on to our discussion on supervision and enforcement at the CFPB. /episode/index/show/afsaonline/id/24856170

Ep. 40 | Going Deep on CFPB Supervision & Enforcement w/ Manatt 10/31/2022

Ep. 40 | Going Deep on CFPB Supervision & Enforcement w/ Manatt The Consumer Financial Protection Bureau's supervisory and enforcement powers can be confusing and if your company is in the crosshairs, a bit unnerving. Luckily, we've got CFPB experts from Manatt, Phelps and Philips LLP, to help guide listeners through the experience. , and join the pod to go deep on the structure of the Bureau, what you need to be doing to ensure you're complying with the law and what actions you need to take if you do find a CID in your mailbox. /episode/index/show/afsaonline/id/24854127

Ep. 39 | Talking VPPs w/ Tyler Gray 10/27/2022

Ep. 39 | Talking VPPs w/ Tyler Gray In this episode of the Extra Credit Podcast, Dan chats with Tyler Gray, Director of Sales with LCT on voluntary protection products. Lots of states, including most recently California, have instituted new voluntary protection product guidelines. Federal agencies are also looking at VPPs closely. So, where to start? Get a handle on where you’re doing business, what the laws are and what you need to be doing to comply. Dan and Tyler go deep on the steps you need to take to make sure you're covering all the bases. /episode/index/show/afsaonline/id/24822072

Ep. 38 | The History of The Breakers 10/12/2022

Ep. 38 | The History of The Breakers AFSA conferences take place in a lot of amazing resorts and hotels but nothing is quite as historic as The Breakers in Palm Beach, Florida where we'll be holding out 2022 Annual Meeting in a few short weeks. Dan Jenkins, Senior Manager of Sales at The Breakers joins the Extra Credit Podcast to give us a bit of a history lesson about the property and what attendees can expect when they arrive. /episode/index/show/afsaonline/id/24665109

AFSA Extra Credit Podcast

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