If you are making the trip to Orlando for MeridianLink LIVE! event, we look forward to seeing you there. We always have great conversations and this year we are making some great (downloadable) resources available for lenders. Plus! Make sure you take a seat at 1.30 pm on May 6th for Frank McKenna's session "𝐌𝐨𝐫𝐞 𝐋𝐨𝐚𝐧𝐬, 𝐋𝐞𝐬𝐬 𝐅𝐫𝐚𝐮𝐝" Learn more and connect with us below: Point Predictive at MeridianLink Live 2025 https://hubs.la/Q03kq9W40
Point Predictive
Software Development
San Diego, California 5,215 followers
Streamlining loan approvals for lenders with machine learning by precisely identifying truthful applications.
About us
Point Predictive is an Ai technology company with deep expertise in building machine learning scoring models that have been widely deployed by banks and lenders. Point Predictive solutions enable lenders to fund more loans using a patented combination of Artificial and Natural Intelligence [Ai+Ni] that powers machine learning risk assessments. Point Predictive helps automotive, mortgage, retail, personal lending and student loan finance companies identify consumer loan applications that have truthful and reliable information without the intense interrogation and verification of data prompted by solutions currently in use. Highly regarded as one of the most trusted fraud and misrepresentation solution providers to financial services companies, Point Predictive leverages that experience to help lenders safely fund more loans to more consumers while reducing their first-party and third-party misrepresentation and fraud losses. Point Predictive is a big data company using unique insights powerfully orchestrated from millions of examples of true and falsified loan applications, billions of derived proprietary data elements, and scientifically-selected third-party data sources to build powerful machine learning models augmented by the natural intelligence of human experience. Located in San Diego, California, more information about Point Predictive can be found at www.pointpredictive.com.
- Website
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http://www.pointpredictive.com
External link for Point Predictive
- Industry
- Software Development
- Company size
- 51-200 employees
- Headquarters
- San Diego, California
- Type
- Privately Held
- Founded
- 2016
- Specialties
- Predicitive analytic solutions, Consumer lending solutions, Risk management solutions, Real estate solutions, Mortgage solutions, Auto finance solutions, Automotive Fraud Management, Automotive Lending Risk Management, Fraud Scores, income verification, fintech solutions, identity verification, and employment verification
Locations
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Primary
Get directions
350 10th Ave
Suite 800
San Diego, California 92101, US
Employees at Point Predictive
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Paras Kothari
Chief Financial Officer | Value Creator | Strategic and Operations Focused
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William Hall, PhD
Board Advisor / President / Chief Operations Officer / Chief Information Officer / Chief Technology Officer
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Barry Kirby
Co-Founder/CRO of Union Credit
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Dave Johnson
Chief Compliance Officer at PointPredictive Inc.
Updates
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Wondering what’s included in our fraud trends report? Justin Davis, CFE and Frank McKenna talk through the key data and provide a huge amount of insight into the latest fraud trends in this recent podcast. 🎧 Listen in below 👇🏻 Or download the full report at https://lnkd.in/ecKd3ndP #fraudprevention #autolending #creditwashing #bustoutfraud
$9.2B lost in auto fraud just last year. Frank McKenna joins me on This Just In to break down Point Predictive's 2025 Auto Fraud Trends Report...and the findings are eye-opening. The fraud landscape in auto lending continues to evolve, with estimated losses reaching a staggering $9.2B in 2024 - up significantly from $7.9B in 2023. But what's really interesting is where these losses are coming from. The fraud breakdown tells the real story: 💸 Income & Employment Fraud: 42% (still the largest piece of the fraud pie) 🥷 Synthetic Identities & Credit Washing: 27% 🕵️ Identity Theft: 18% 🚗 Dealer Fraud: 7% 👥 Straw Purchase & Subleasing Fraud: 6% Three key trends drove this alarming increase: 🧼 Credit washing has more than DOUBLED in 2024, jumping from 65 basis points to 170 basis points. This is identified by material jumps in credit scores and reduction in tradelines in short timeframes - a telltale sign of manipulation. Identity fraud continues its upward march - both synthetic identities and true identity theft remain significant threats to lenders' portfolios. 🚩Bust out activity has increased by approximately 27% over the last two years, with organized fraud rings becoming more prevalent, especially in South Florida and California markets. What's particularly concerning is that the majority of fraud was first-party - meaning it was the true person manipulating information on their applications. Whether that be their identity, credit, or income & employment. Fraud prevention starts with knowing what you're looking for. Are your prevention strategies keeping pace with these evolving threats? Or are you still focusing solely on identity verification while missing the bigger fraud picture? Make sure to download the report here -> 🔗 https://hubs.la/Q03dhR3r0 #fraud #fraudprevention #fraudstrategy #autofinance
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⚠️ Dealer Risk Alert: Your submission time matters! Apps submitted at certain times have a 2x higher fraud risk (see the images to find out when). Protect your dealership and your lender relationships. Download our 2025 Auto Lending Fraud Trends Report to learn more about fraud trends and about the solutions other dealerships are using to prevent fraud. #AutoDealers #FraudPrevention #DealershipBestPractices https://hubs.la/Q03kpvVX0
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In his latest "Scott You Covered" podcast Scott Ellefson, CFE highlights a fraud ring that caused triple the trouble: 1️⃣ Synthetic Identities 2️⃣ Credit Repair 3️⃣ Vehicle Subleasing Listen in as he talks through his investigations with Frank McKenna. Pulling on a small "thread" of one suspicious employer, his investigation uncovered a fraud ring, affecting: 𝟙 30+ lenders 𝟚 370+ applications 𝟛 $7 million in collateral The complexity of this case is mind blowing! 🤯 #fraudprevention #autolending
A guy who is passionate about what he does. Fortunate to have nearly 2 decades of experience in automotive finance with the last half immersed in the world of Fraud prevention and Investigation operations.
It's been far too long but hopefully the wait is worth it. I present another Synthetic bust out ring who have been quite active...
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The team are gearing up for what looks set to be an amazing MeridianLink Live event this year in the sunshine state. ☀️ Come meet the team at Booth 2, and make sure you don't miss Frank McKenna's session on May 6th! For more details about this session, to secure a meeting with the team or for more information on Point Predictive resources for lenders, click here 👉https://hubs.la/Q03jgg4L0 👤William Hall, PhD 👤 Michael Hughes 👤 Ryan Harbry 👤 William Pohl 👤 Justin Davis, CFE #lending #technology #fraudprevention
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📈 Delinquencies and Charge-Offs Are Rising at Credit Unions — What’s Driving the Surge? New data from National Credit Union Administration (NCUA) reveals a sharp increase in loan delinquencies and charge-offs across credit unions. In our latest article, authored by Justin Davis, CFE, we dive into what’s behind the numbers and how predictive risk signals can help institutions stay ahead of emerging fraud and default patterns. With fraud contributing to risk in ways that traditional models might miss, credit unions must explore new strategies for protecting portfolios and reducing losses. Read the full article at the link 🔗 https://hubs.la/Q03hBwWr0 #CreditUnions #AutoLending #RiskManagement #FraudPrevention #PredictiveAnalytics #PointPredictive
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Our March Edition Fraud Watch Newsletter is full of insights 💡 , news 📰 , and surprises 🎉 ! Click below to read on... #fraudprevention #fraudfighters #ai
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🚨 New Year, New Rules? 🚨 If you work in lending, fraud prevention, or compliance—you’ll want to hear this. The CFPB has proposed a new interpretation of the Fair Credit Reporting Act (FCRA) that could reshape how fraud products are used across the industry. Join Hudson Cook, LLP and Point Predictive COO and President William Hall, PhD today at 1.30pm at #AISNRC2025 for an essential session: 📌 New Year, New Rules? Fraud Products and the FCRA 💡 In this session Rebecca E. Kuehn, William Hall, PhD and Erica Kramer break down: ✅ What the CFPB proposal really means ✅ The risks and rewards of fraud product usage under FCRA ✅ A live case study on how Point Predictive built FCRA and GLBA-enabled solutions that balance compliance and effectiveness Whether you're navigating new regulations or planning your fraud strategy for 2025, this session will deliver the insights you need. 👉 Make sure to add this to your conference schedule today and bring your questions! #FraudPrevention #FCRA #CFPB #Compliance #Lending #RiskManagement #Fintech #PointPredictive #AutoLending #FraudSolutions #GLBA #AISNRC2025
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Point Predictive reposted this
Lenders clinging to lengthy, document-centric verification processes risk losing business to competitors offering smoother, faster experiences. Luckily, our partner and #MeridianLinkLIVE sponsor Point Predictive shares how they're powering a new level of lending confidence and speed through artificial intelligence, powerful data insight, and decades of risk management expertise. #AIinLending #DataIntelligence #DigitalLending #FraudDetection
90% of borrowers are truthful on their apps, but traditional processes treat everyone the same, slowing down the process and impacting the experience. Our partner and #MeridianLinkLIVE sponsor Point Predictive shares how smart lenders are adopting a “cascade approach”. Read their blog to discover what that means and how they’re helping FIs streamline loan approvals and identify #fraud patterns that traditional systems simply can’t detect. https://okt.to/udXBVc #Banking #DigitalLending #RiskManagement #IDVerification #FraudDetection #AIinLending
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We are absolutely delighted to hear that our Co-Founder Frank McKenna received a Lifetime Achievement Award yesterday for his services to fighting fraud over more than 30 years. Frank McKenna , from all of your fellow “Predictors” here at Point Predictive, congratulations 🥳. What a well-deserved accolade! Thanks for sharing Karisse Hendrick
Award-Winning Cyberfraud Expert; Ecommerce Fraud Prevention Consultant; Chargeback Geek; Host of the Fraudology Podcast; Startup Advisor; Keynote Speaker; Consultant to Fortune 500 merchants
The man. The myth. The legend. Frank McKenna was surprised with the award for "Lifetime achievement" at #FraudFightClub today. Frank isn't just a great fraud-fighter. He's a tremendous human and a good friend. (He's also a great "co-conspirator" for April 1st jokes 😏) Congratulations, Frank. We are all so lucky to share this industry with you!