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We may be in a new year, but in the credit union world, some things remain the same – one of them being an eagerness to discuss artificial intelligence.

In the first Shared Accounts with CU Times episode of 2025, hosts Michael Ogden and Natasha Chilingerian talk AI with Glenn Fratangelo, Head of Xceed Product Marketing and Strategy at NICE Actimize, a Hoboken, N.J.-based provider of financial crime, risk and compliance solutions for financial institutions and government regulators. Fratangelo provides an explainer on generative AI and takes a deep dive into AI’s connection to fraud, discussing how bad actors use the technology to refine and automate phishing and social engineering attacks, as well as how credit unions can use AI to stay ahead of today’s threats. He also warns credit unions about an emerging “job title” for aspiring social media influencers looking to make big bucks illegally – the “crimefluencer.” Yikes!

Fratangelo also offers five fascinating fraud-related predictions for 2025. And, as usual, we end with a set of fun, light and somewhat personal questions, which lead Fratangelo to share his thoughts on his home town and New Year’s resolutions. He also provides the latest additions to our Spotify playlist of songs from the first albums bought and Letterboxd list of the most recent movies watched by Shared Accounts guests (if you haven’t seen these, check them out here and here). Start your year off right and give this episode a listen!

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Michael Ogden

Editor-in-Chief at CU Times. To connect, email at [email protected]. As Editor-in-Chief of CU Times since 2016, Michael Ogden has led the editorial team in all aspects of content strategy and execution, including the creation of the publication’s exclusive and proprietary research database of the credit union industry’s economic landscape. Under Michael’s leadership, CU Times has successfully shifted to an all-digital editorial product with new focuses on the payments, fraud, lending and regulatory beats. Most recently, he introduced a data-focused editorial product for subscribers that breaks down credit union issues into hard data, allowing for a deeper and more factual narrative for readers. In 2024, he launched the "Shared Accounts With CU Times" podcast, which offers a fresh, inside-the-newsroom perspective through interviews with leaders from the credit union industry and the regulatory world. He dives into pressing credit union issues, while revealing the personalities working behind-the-scenes to push the credit union world forward. His background includes years as a radio and TV anchor/reporter and a public relations and digital/social media manager, where he covered the food and music industries, as well as cooperatives and credit unions. Over the years, he has launched numerous exclusive video and podcast series, including a successful series of interactive backstage interviews with musicians at music festivals, showcasing his social media and live streaming production skills.