The Allied Angle

Auto loan risk used to come down to one question: did the borrower pay? Not anymore.

Anne Holtzman, SVP of Risk Management Services at Allied Solutions, discusses how fraud, insurance gaps, and a strained recovery system compounds losses across auto lending, often long before recovery ever begins.

Financial institutions have been wrestling with integration challenges for decades — legacy cores, fragmented data, and costly point-to-point connections that slow everything down. But AI is starting to change the equation. In Part 1 of this two-part conversation, Jon Fancey, Chief Technology Officer at PortX, sits down to dig into what the integration problem really looks like on the ground, where AI is deliver...

If your credit union is offering a 401(k), you're already familiar with the administrative weight that comes with it — the compliance, the fiduciary responsibilities, the vendors you're managing. But there's a newer plan structure that's been quietly gaining traction, and it might change how you think about all of that.

How do you know if a partnership is actually driving growth — or just adding complexity? In this episode of The Allied Angle, Mark Bugalski, Allied's Executive Vice President and Chief Growth Officer, breaks down what makes a strategic partnership a true force multiplier for banks and credit unions — and what makes it a distraction. Mark shares the framework Allied uses to evaluate every partnership, why s...

Credit unions have a built-in advantage that most financial brands spend years trying to earn — member trust. But trust alone isn't a strategy. In this episode of the Allied Angle, Dawn Goldbacher, GVP and Head of Market Strategy and Growth at Franklin Madison joins the show to explore what "member-first" really looks like in practice.

Wheth...

Credit scores like FICO have been the backbone of lending decisions for decades — but in today’s volatile environment, lenders are finding that a score alone can’t fully explain borrower behavior or forecast what comes next. In this episode of The Allied Angle, Jack Imes (Allied Solutions) and Dr. Joseph Breeden (Deep Future Analytics) break down where traditional scoring falls short — and what lenders can d...

In this episode of The Allied Angle, Allied Solutions CEO Pete Hilger reflects on a year that tested financial institutions on every front — from market volatility and elevated fraud losses to regulatory pressure and shifting member expectations.

Pete shares candid insights on what 2025 revealed about risk management, leadership, and organizational resilience, and why incremental change is no longer enough in today’s op...

Fraud didn’t just grow in 2025 — it evolved. In this recap special, The Allied Angle revisits the top fraud conversations of 2025. We connect the big picture (third-party vs first-party vs synthetic) to ground-level fixes: stopping account takeover, hardening card channels, eliminating terminal fallback, and turning security awareness into behavior change. You’ll hear from fraud experts Patrick Touhey, Brandon Bot...

Younger members expect speed, transparency, and personalization — and credit unions can deliver without chasing every shiny tool. In this episode, Allied's SVP Strategic Initiatives Charlie Peterson joins us to unpack innovation, “The Pizza Effect," and more.

In this episode:

1:01 – Get to know Charlie.

4:02 – Who’s actually walking through the digital and branch doors of credit unions today?

5:33 &n...

On this episode of The Allied Angle, Zach Douglass, Director of Bond & Risk Management at Allied Solutions, joins the show to talk about the five loss trends hitting credit unions now. We cover what’s shifted in the last 6–12 months, early warning indicators, fast-acting controls, and the 30–60 day moves that actually reduce exposure.

In this episode of The Allied Angle, Jeff Marsh, President at Millennium Capital and Recovery Corporation, joins the show to talk about the evolving world of asset recovery. Jeff discusses how lenders can navigate today’s challenges in skip tracing and repossession, the role of technology and compliance, and how Millennium’s award-winning approach helps clients recover assets with transparency and efficiency.

Learn...

How effective is your security awareness training? In this episode of The Allied Angle, Josh Gideon, author and Director, Cyber Risk Management at Allied, joins us to unpack what most financial institutions get wrong about awareness programs and what to do instead. Drawing on decades of experience and research, Josh shares why traditional training falls short, how psychological safety and human behavior play a critica...

In this special Intern Edition of The Allied Angle, we hand the mic to three members of Gen Z — and Allied’s summer internship program — for an honest, unfiltered, and deeply human conversation about how their generation is navigating life, money, and digital fatigue.

Tune in as Kira Right, Alli Johnson, and Eli VanHaaren share their perspectives on what Gen Z needs from financial institutions, how credit unions ...

Allied Solutions’ Nikki Warner sits down with Jeff Kennedy, David Tuyo, and Steve O’Connell to explore strategies for attracting and engaging Gen Z members.

From digital-first experiences to employee-driven community impact, and from authentic storytelling to trusted partnerships, these leaders share how they’re evolving to meet changing member expectations — without losing sight of the credit union promise.

In this episode, Gabe Krajicek from Kasasa joins us to share how community-based financial institutions can grow, stay relevant, and keep a local-first mindset—no matter their size. We cover game-changing products like the Take-Back Loan, ways to boost engagement with innovative checking accounts, and how thoughtful product design can provide stability in uncertain times. Plus, Gabe offers practical advice for proving ROI and...

In this episode of Client Voices, we explore the rising risks and evolving realities of auto lending in today’s credit union landscape.

Joined by Dona Svehla (GTE Financial), Jose Iregui (CUautoFi), and Allied Solutions’ Jack Imes and Anne Holtzman, the conversation dives deep into:

🚗 The impact of extended loan terms and declining vehicle values 📉 Managing rising delinquencies and record-high deficiency balances 📲 W...

In this episode, The Allied Angle sits down with Rick Hughes, Senior Vice President, Program Division, from Equity Protection Powered by NFP to explore the latest trends and growth opportunities in home equity lending. Rick discusses how flexible underwriting, embedded loss protection, and member-friendly pricing empower lenders to expand responsibly, attract new borrowers, and demonstrate sound risk controls to regulators. 

L...

In this episode of Client Voices: Weathering Financial Storms, Allied Solutions' Mark Rodriguez sits down with three seasoned credit union executives, Allan Prindle (Power Financial Credit Union), Brian Best (GTE Financial), and Mike Miller (iThink Financial), to discuss how they’re navigating today’s most pressing financial challenges.

From rising delinquencies and risk management strategies to talent retention, techno...