9:00 – 9:10 AM: Welcome and Opening Remarks

Kim Bohannon, Chief Innovation Officer, Tennessee Credit Union League
A brief welcome highlighting the League’s commitment to continuous learning and collaborative fraud prevention.

9:10 – 9:30 AM: Setting the Tone

Chelsea Treboniak, President, Critical Ops
Agenda overview and introductory comments focused on fraud escalation, cross-channel attacks, vulnerable population exploitation, check fraud resurgence, and why 2026 will be defined by member protection, data intelligence, and human factors.

9:30 – 10:30 AM: Trusted Contacts, Trusted Agents, and When CUs Get Burned

Todd Wascom, VP of Sales, Carefull
Trusted-agent fraud often originates through POAs, joint owners, and authorized signers who leverage influence, grooming, or misplaced trust to manipulate account activity. Operational red flags emerge through unusual transactions and behavioral shifts, requiring clear documentation and rapid escalation through established workflows.

10:30 – 10:45 AM: Break

10:45 – 11:45 AM: The Psychology of Fraud – Why People Fall for It and Why It Works

Stephanie Macrafic, Enterprise Risk Management Specialist, Mayo Credit Union
Fraudsters rely on social engineering fundamentals and exploit cognitive biases such as scarcity, urgency, authority, reciprocity, and fear through scripted emotional hijacking. Training staff to recognize and interrupt these psychological triggers is essential to stopping manipulation before it results in member harm.

11:45 – 11:50 PM: Break

11:50 – 12:30 PM: Open Banking & AI: Ownership, Oversight, and Overwhelm

Speaker TBD
As open banking expands and AI-driven data exchanges accelerate, credit unions must decide what data they truly own, what they merely access, and where liability begins and ends. This session breaks down emerging regulatory expectations, model-governance requirements, and the operational controls needed to prevent data misuse, fraud amplification, and systemic blind spots.

12:30 – 1:30 PM: Networking Lunch

1:30 – 2:30 PM: Leading Through the New Era of Fraud (Panel)

Jeff Dahlstrom, Southeast Financial Credit Union
Ron Smith, Enbright Credit Union
Ben Johnson, US Community Credit Union
In this candid discussion, three Tennessee credit union leaders share how fraud is reshaping strategic decisions, risk management priorities, and organizational culture. They’ll highlight real challenges, emerging threats, and the leadership actions required to protect members while sustaining operational resilience.

2:30 – 2:45 PM: Break

2:45 – 3:30 PM: Designing a Credit Union Fraud Playbook

Jen Lamont, BSA and Fraud Manager, America’s Credit Union
Walk through a modular playbook structure to build or improve escalation protocols, hold policies, and response plans.