Tag: podcast
Key takeaways from recent Chrisman Commentary podcast The mortgage industry is in the middle of a pivotal moment, one defined by credit modernization, improved data usage, and a renewed focus on how lenders can better serve today’s consumers without increasing risk. In a recent episode of the Chrisman Commentary podcast, host Robbie Chrisman sits down with Michele Bodda, who leads Housing and Verification Solutions at Experian, and Shelley Leonard, President of Xactus, for a candid and wide-ranging conversation on what’s changing, what’s coming, and what lenders should be doing now. Key Findings A central theme of the discussion is the industry’s ongoing journey toward modern credit scoring, including the FHFA’s approval of VantageScore 4.0. As Shelley explains, this isn’t simply a score change; it’s part of a broader credit modernization effort that touches lenders, investors, technology providers, and ultimately consumers. While adoption across the GSE landscape is still evolving, lenders are actively testing, learning, and preparing their systems, so they’re ready when the time comes. Michele adds an important perspective: these conversations are prompting a healthy industry-wide introspection. From originators to capital markets, stakeholders are re-examining longstanding underwriting practices, the data that informs them and who those decisions impact. That scrutiny, she notes, is a good thing, especially as better data and analytics create opportunities to responsibly expand access to homeownership. Beyond credit scores, the discussion highlights another critical opportunity: workflow optimization. Both Michele and Shelley stress that success isn’t about ordering more data; it’s about ordering the right data at the right time. With advancements in analytics, AI, and machine learning, lenders can reduce waste, cut costs, improve cycle times, and still maintain a safe and sound mortgage market. The episode also tackles persistent myths in the industry, including misconceptions about competition and how credit data actually flows through the mortgage ecosystem. In reality, the space is highly competitive, a dynamic that continues to drive innovation and better outcomes for lenders and borrowers alike. The conversation closes on two powerful notes. First, a call to action for lenders: don’t stick your head in the sand. Change is already here, and doing nothing is no longer an option. Second, in recognition of Women’s History Month, Michele and Shelley reflect on the importance of representation, mentorship, allies, and shared responsibility in building a stronger, more inclusive industry. It’s an honest, thoughtful discussion that underscores one thing clearly: the future of mortgage lending will be shaped by curiosity, collaboration, and the courage to rethink how things have always been done. 🎧 Listen to the full episode of Chrisman Commentary to hear the complete conversation.
Our Econ to Action podcast series dives into the top economic trends and the implications of those trends in the market. In each episode, we explore the challenges different market segments are facing and how businesses in the segment are navigating the current economic climate. Listen to our host, Josee Farmer, Economic Analyst, discuss these topics with other Experian experts. In a special episode of Econ to Action to commemorate the start of the new year, Josee is joined by three market experts to discuss the 2024 forecast. The experts discuss the broader U.S. economic forecast, according to the Federal Reserve’s SEP (Summary of Economic Projections), as well as the forecasts for the mortgage, collections and national bank market segments. Shawn Rife, Client Executive, returns to Econ to Action with more collections insights, along with new guests Kendall Hellman, Senior Account Executive, Strategic Sales and Rob Rollo, Senior Account Executive, Strategic Mortgage Sales. Watch our first video episode and learn how the 2024 forecast will affect the market. Be sure to go back and catch up on previous episodes on our Econ to Action podcast hub and visit Experian Edge for our latest economic, credit and market insights.
Experian on the State of Identity podcast In today’s environment, any conversation on the identity management industry needs to include some mention of synthetic identity risk. The fact is, it’s top of mind for almost everyone. Institutions are trying to scope their risk level and identify losses, while service providers are innovating ways to solve the problem. Even consumers are starting to understand the term, albeit via a local newscast designed to scare the heck out of them. With all this in mind, I was very happy to be invited to speak with Cameron D’Ambrosi at One World Identity (OWI) on the State of Identity podcast, focusing on synthetic identity fraud. Our discussion focused on some of the unique findings and recommended best practices highlighted in our recently published white paper on the subject, Synthetic identities: getting real with customers. Additionally, we discussed how a lack of agreement on the definition and size of the synthetic identity problem further complicates the issue. This all stems from inconsistent loss reporting, a lack of confirmable victims and an absence of an exact definition of a synthetic identity to begin with. Discussions must continue to better align us all. I certainly appreciate that OWI dedicated the podcast to this subject. And I hope listeners take away a few helpful points that can assist them in their organization’s efforts to better identify synthetic identities, reduce financial losses and minimize reputation risks.