Brett Sivits

Proud to partner with GoWest Credit Union Association to help credit unions modernize one of the most resource-intensive workflows: disputes. Too often, dispute operations rely on fragmented systems and manual tracking that slow teams down and create friction for members. We provide credit unions with AI agents that move cases forward from intake through resolution, while identifying first-party fraud patterns before losses escalate. Credit unions using Casap have reduced fraud losses by more than half and resolved disputes up to 3x faster. Excited to support the GoWest community as they strengthen member trust and operate with greater visibility and confidence.

24

In a world racing toward automation and using AI… 🏦 Credit unions have a quiet advantage that no algorithm can replicate. 🫂 We’re centered around people! The credit union difference isn’t found in an app or a chatbot. It’s found in the credit union philosophy of People Helping People. 🤝 It’s lived out in real decisions, real service, and real consideration for members that are standing on the other side of the counter. As leaders, we must never forget to keep returning back to the basics: ☑️ Member-ownership ☑️ Service ☑️ Financial inclusion and wellness ☑️ Human judgment and oversight The credit union motto helps to reminds us that we are: ✨ "Not for Profit. Not for Charity. But for Service." This shouldn't be just rhetoric, but it should be a governance and leadership check. 🚫 Because if we ever become “profits before people” institutions that merely talk about people, we’ll drift into the very thing we were created to be an alternative to. ✅ Yes—embrace innovation. ✅ Yes—use AI responsibly. ✔️ But never let efficiency replace empathy. ✔️ Always, put people before profits. Serve members as humans and not metrics. Lest we forget! #creditunions #creditunion #peoplehelpingpeople #cudifference #backtobasics #governance #leadership

1

Growth is great until your fraud and dispute team cannot keep up. In this article, Benjamin Anderson of Quavo Fraud & Disputes explores a challenge many credit unions are facing: how to scale operations without adding complexity, delays, or overwhelming staff. As fraud volumes rise and member expectations for quick resolutions increase, manual processes become harder to sustain. The conversation is shifting from simply handling disputes to building systems that can grow efficiently alongside the institution. Read the full article: https://lnkd.in/eSbxyDbd #CreditUnions #FraudPrevention #OperationalEfficiency #MemberExperience

2

Unpopular opinion:CNP fraud isn't a mystery. It's a math problem most US card issuers are choosing not to solve. I've sat across the table from fraud leaders at card programs bleeding 0.18% on CNP loss rates. Most of them had the right data. The right signals. The right vendors. What they didn't have was the right model architecture and that single gap was costing them millions annually that never showed up as a line item because it was buried inside an acceptable loss rate. Here's the thing about "acceptable." 0.18% loss rate sounds fine until you run the math. A $500M card portfolio at 0.18% CNP loss = $900,000 gone annually. Best-in-class programs run at 0.04%. That 0.14% difference = $700,000 a year sitting on the table. Not because the top programs have better fraud teams. Because they made three structural decisions that most programs haven't made yet. Decision 1: They tiered their merchant risk. Not all CNP is equal. A $200 transaction at a digital goods merchant carries 8 - 12x the fraud rate of a $200 grocery order. The programs winning on CNP apply different friction thresholds by MCC - not just by dollar amount. If your fraud scoring treats a gift card transaction the same as a utility payment, you are giving fraudsters a free lane. Decision 2: They connected signals to the auth decision in real time. The signals exist in every card portfolio. Velocity. Geo anomaly. Device mismatch. Throwaway email. The problem isn't data - it's latency and isolation. If your fraud score is running 400ms behind your auth decision, or scoring each signal independently instead of stacking them, you are making the call blind. Decision 3: They stopped optimizing for approval rate in isolation. Approval rate is not your north star. Profitable approval rate is. 94% approval with 1.8% CNP loss is a worse business than 91% approval with 0.4% loss. The teams winning on CNP have reframed the internal conversation - and the executive dashboard - around net loss per approved dollar, not raw approval percentage. CNP loss becomes predictable the moment you decide to measure it correctly and build your controls to match. The programs bleeding the most on CNP are usually doing the right things. Just not in the right sequence. And not connected to each other. That's a solvable problem. #CNPFraud #CreditCardFraud #CardIssuer #FraudStrategy #FintechLeadership #SAFEgrowth #RiskManagement #Payments

2

1 Comment

Credit unions don’t need more access to fintech. They need ownership in the stack. Access gives functionality. Ownership changes incentives. When credit unions have influence over pricing, roadmap, and governance, the system behaves differently. That shift isn’t about speed or hype. It’s about alignment over time. It’s cooperative. #creditunions #fintech

11

Is Your Credit Union AI Ready? Most credit unions already have the systems they need for AI. What is missing is the readiness to use them together.   AI readiness means unifying Core, LOS, Cards, Contact Center, SOPs, and other critical apps and data sources into a single governed layer where AI can finally see, explain, and take action you can trust.   When that foundation is in place, everything changes: • Faster member service • Smarter loan and deposit growth • Lower cost to serve • Stronger compliance • A more confident frontline team   How will you orchestrate AI across every system your credit union depends on?   If AI is part of your 2026 strategy, start with readiness.   📄 Request the AI Readiness Summary 🤝 Schedule a 30-minute demo with ShiftMate

9