Podcasts about TransUnion

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3580: Jeff Rose highlights practical financial lessons that can shape a more secure future, from understanding credit scores and investing early to recognizing the value of entrepreneurship. Through relatable examples and simple explanations, he shows how small financial decisions made young can compound into long-term wealth and opportunity. Read along with the original article(s) here: https://www.goodfinancialcents.com/7-personal-finance-lessons-wish-everyone-learned-high-school/ Quotes to ponder: "Your credit score is an important part of your overall financial health, and it can make a huge difference in how you manage your finances as an adult." "I believe the earlier we teach students about financial basics, the better off they'll be." "When people don't know better, they don't do better." Episode references: Fidelity Investments: https://www.fidelity.com/ Experian: https://www.experian.com/ TransUnion: https://www.transunion.com/ Vanguard: https://investor.vanguard.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3580: Jeff Rose highlights practical financial lessons that can shape a more secure future, from understanding credit scores and investing early to recognizing the value of entrepreneurship. Through relatable examples and simple explanations, he shows how small financial decisions made young can compound into long-term wealth and opportunity. Read along with the original article(s) here: https://www.goodfinancialcents.com/7-personal-finance-lessons-wish-everyone-learned-high-school/ Quotes to ponder: "Your credit score is an important part of your overall financial health, and it can make a huge difference in how you manage your finances as an adult." "I believe the earlier we teach students about financial basics, the better off they'll be." "When people don't know better, they don't do better." Episode references: Fidelity Investments: https://www.fidelity.com/ Experian: https://www.experian.com/ TransUnion: https://www.transunion.com/ Vanguard: https://investor.vanguard.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

Discover all of the podcasts in our network, search for specific episodes, get the Optimal Living Daily workbook, and learn more at: OLDPodcast.com. Episode 3580: Jeff Rose highlights practical financial lessons that can shape a more secure future, from understanding credit scores and investing early to recognizing the value of entrepreneurship. Through relatable examples and simple explanations, he shows how small financial decisions made young can compound into long-term wealth and opportunity. Read along with the original article(s) here: https://www.goodfinancialcents.com/7-personal-finance-lessons-wish-everyone-learned-high-school/ Quotes to ponder: "Your credit score is an important part of your overall financial health, and it can make a huge difference in how you manage your finances as an adult." "I believe the earlier we teach students about financial basics, the better off they'll be." "When people don't know better, they don't do better." Episode references: Fidelity Investments: https://www.fidelity.com/ Experian: https://www.experian.com/ TransUnion: https://www.transunion.com/ Vanguard: https://investor.vanguard.com/ Learn more about your ad choices. Visit megaphone.fm/adchoices

In this episode, Craig LaChapelle is joined by VantageScore's Jeff Richardson and TransUnion's Matias Petersen to unpack the growing importance of credit score choice. They discuss how market volatility, competition and regulatory shifts are driving adoption across lending segments, from mortgage to auto and cards. The conversation highlights practical considerations — from model performance and governance to operational rollout — while outlining how lenders can test, validate and scale new scoring approaches to improve portfolio outcomes and expand access. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

We continue our episodes of the Auto Remarketing Podcast originating from the Live Stage, which was sponsored by SYCN Auto Logistics, during the Used Car Industry Summit in Miami this spring. During previous events hosted by Cherokee Media Group, TJ Cox of TransUnion mainly discussed auto finance and the economy. This time, the senior director of market development for auto delved into vast research recently completed by TransUnion, examining the used cars purchased in 2025 and the trends that surfaced with specific models.

In today's episode, we go through MBA's recommendations about Basel III capital requirements. Plus, Robbie sits down with Insellerate's Josh Friend for a discussion on increasing loan officer and sales manager efficiency. And we close by looking at bond market movements from across the globe.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.This week's podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.

In today's episode, we go through big takeaways from MBA's Secondary and Capital Markets Conference in New York City. Plus, Robbie sits down with TransUnion's Satyan Merchant for a discussion on the accelerating shift toward mortgage credit score competition, exploring how lenders should adapt to increasing model choice, evolving credit report innovation, operational complexity, alternative data, and the growing role of dynamic credit insights across the full mortgage lifecycle. And we close by looking at bond market movements from across the globe.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.This week's podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.

In today's episode, we go through the shifting rate calculus of the Federal Reserve under new chairman Warsh. Plus, Robbie sits down with LendingTree's Rob Bhatt for a discussion on how home insurance costs are rising far faster than both inflation and household income growth nationwide. And we close by looking at what is expected under Warsh's Federal Reserve.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.This week's podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.

In today's episode, we go through the shifting production composition as the yield curve steepens. Plus, Robbie sits down with Acrisure's Kristen Britton for a discussion on how lenders are balancing speed, automation, fraud prevention, and human oversight as remote closings reshape mortgage risk, identity verification, and the future framework of trust in digital transactions. And we close by looking at the shifting fundamentals in the bond market.Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.This week's podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.

In today's episode, we go through the costs of home ownership across major metropolitan areas. Plus, Robbie sits down with Lower's Craig Montgomery for a discussion on how strategic leadership is shaping lender growth in 2026 through effective team building, evolving production trends, competitive retail execution, and strong real estate agent relationships. And we close by looking at the shifting narrative surrounding Fed policy. Welcome to The Chrisman Commentary, your go-to daily mortgage news podcast, where industry insights meet expert analysis. Hosted by Robbie Chrisman, this podcast delivers the latest updates on mortgage rates, capital markets, and the forces shaping the housing finance landscape. Whether you're a seasoned professional or just looking to stay informed, you'll get clear, concise breakdowns of market trends and economic shifts that impact the mortgage world.This week's podcasts are sponsored by TransUnion. Discover how data-driven mortgage intelligence is helping lenders identify in-market borrowers, strengthen portfolio performance, personalize outreach, retain customers, and drive smarter growth in an increasingly competitive housing market.

La chroniqueuse économie Marie-Eve Fournier traite d'une action collective majeure visant Equifax et TransUnion pour leur lenteur à corriger des erreurs dans les dossiers de crédit, une problématique qui peut coûter jusqu'à 150 000 $ en intérêts sur une hypothèque. Elle rappelle qu'au Québec, les plaintes doivent être déposées à la Commission d'accès à l'information. Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

François Lambert vs Québec solidaire. Equifax et TransUnion. DSN: Les entreprises québécoises écartées préparent leur ripostent Affaires et société avec Philippe Richard Bertrand, expert en commercialisation et en technologies. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radioPour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

Faire corriger une erreur à son dossier de crédit peut virer au cauchemar. Deux avocates québécoises veulent maintenant forcer Equifax et TransUnion à verser jusqu’à 10 000 $ aux Canadiens incapables de faire rectifier des informations inexactes depuis mai 2023, dans le cadre d’une action collective qui dénonce des pratiques jugées inefficaces et préjudiciables Entrevue avec Me Marie-Philip Simard, avocate au cabinet Klyden Légal. Regardez aussi cette discussion en vidéo via https://www.qub.ca/videos ou en vous abonnant à QUB télé : https://www.tvaplus.ca/qub ou sur la chaîne YouTube QUB https://www.youtube.com/@qub_radio Pour de l'information concernant l'utilisation de vos données personnelles - https://omnystudio.com/policies/listener/fr

La fraude bancaire frappe fort au Québec: un citoyen sur cinq en a déjà été victime. Selon un sondage Léger pour Option Consommateurs, la récupération des fonds perdus est loin d’être garantie, puisque 37 % des victimes n'ont jamais été remboursées ou ne l'ont été que partiellement. La chroniqueuse économie Marie-Eve Fournier souligne qu'il est souvent plus ardu d'obtenir un remboursement pour une fraude au compte bancaire que pour une carte de crédit. Pour se protéger, elle recommande vivement de verrouiller son dossier de crédit, une mesure pourtant gratuite au Québec, mais encore trop peu utilisée ou mal comprise par la population. Lien vers la plateforme Équifax: https://my.equifax.ca/consumer-registration/?lang=fr Lien vers la plateforme Transunion: https://ocs.transunion.ca/secureocs/#/service-menu Voir https://www.cogecomedia.com/vie-privee pour notre politique de vie privée

En el episodio de esta semana, Karla y René platican sobre la disminución en los ingresos de Liverpool y Elektra; las regalías que pagó Spotify a artistas mexicanos; la adquisición de TransUnion México por parte de TransUnion; y el fenómeno global de Jellycat, entre otros temas.09:40 - Liverpool y Elektra13:29 - Spotify20:26 - TransUnion23:28 - Jellycat27:08 - WalmartAeroméxico es la aerolínea más puntual del mundo por segundo año consecutivo, de acuerdo con CIRIUM. Conoce más Compra tu gorra o ilustraciones de Whitepaper aquí⁠Escucha nuestro newsletter diario "Whitepaper Hoy" en Spotify⁠

David Turner, Vice President of Global Number Intelligence at TransUnion, spoke with Doug Green, Publisher of Technology Reseller News, about the company's new Digital Business Profile solution and its role in helping small businesses improve visibility, accuracy, and trust in an AI-driven search environment. Turner explained that while large enterprises have long benefited from sophisticated SEO and digital presence tools, small businesses have lacked affordable, easy-to-use solutions. TransUnion's Digital Business Profile addresses this gap by providing a centralized portal where businesses can input and manage their core information—hours, services, locations, and more—and distribute it across approximately 80 platforms. “It really comes down to simplicity and affordability—giving even the smallest business the ability to be properly represented,” Turner said. The conversation highlighted how the rise of AI-driven search is reshaping digital discovery. Instead of relying on a handful of major platforms, AI systems now pull data from a wide range of sources, making consistency across all listings critical. TransUnion's platform ensures that verified, trusted data is distributed broadly, improving both search accuracy and business rankings while reducing the burden on business owners. Trust and security are central to the solution. Turner noted that inaccurate or fraudulent listings—such as keyword stuffing or fake business identities—can harm both consumers and legitimate businesses. By verifying business identities and maintaining trusted integrations with major platforms, TransUnion helps protect users while preserving business reputations. This approach also aligns with the company's broader trusted communications initiatives, including branded calling and robocall mitigation. TransUnion is bringing the solution to market through both direct channels and partnerships, including telecom providers and MSPs that can bundle the service into their offerings. By combining identity management, search visibility, and trusted communications, the Digital Business Profile represents a new step in extending enterprise-grade capabilities to the small business market. Learn more about TransUnion: http://www.transunion.com/business

In this episode of Power House, Zeb Lowe sits down with Patty Arvielo to discuss her journey from a teenage data entry clerk at TransUnion to one of the most influential leaders in mortgage. Arvielo shares how she learned every layer of the business early on and ultimately built New American Funding into a nationally recognized lender. What began as a business opportunity to better serve Latino homebuyers evolved into a long-term mission to expand access to homeownership for underserved communities. The conversation also explores the realities of today's housing market, from supply constraints and affordability challenges to the outsized role of local policy in shaping outcomes. Arvielo breaks down her leadership philosophy of putting people over profits, and why protecting culture, even at the expense of production, has been central to building a durable organization. This episode offers a candid look at leadership, advocacy, and what it takes to create lasting impact in housing. Related to the episode: Zeb Lowe's LinkedIn⁠ ⁠Patty Arvielo's LinkedIn PattyArvielo.com New American Funding The Power House podcast brings the biggest names in housing to answer hard-hitting questions about industry trends, operational and growth strategy, and leadership. Join HousingWire's Zeb Lowe every Thursday morning for candid conversations with industry leaders to learn how they're differentiating themselves from the competition. Hosted and produced by the HousingWire Content Studio.

In this episode, Kimberly sits down with longtime friend and media-tech powerhouse Melody Yazdanyar for a conversation that spans decades—from childhood soccer teammates to navigating the evolving worlds of advertising, gaming, and sports media. Melody shares her journey from early days in digital advertising to working across major acquisitions (AppNexus, Comcast, TransUnion), and now helping build PHȲND—a next-gen gaming platform designed for accessibility and scale. The two also reflect on their Super Bowl experience, the convergence of sports, media, and tech, and why the future of audience engagement is being rewritten in real time. It's equal parts nostalgia, insight, and forward-looking innovation.  Chapters: 2:00 – Super Bowl invite & media-side experience  4:00 – NYC story: Chanel internship & early career days 7:30 – Inside early digital advertising (AppNexus era) 9:30 – Evolution of media, mobile, and audience targeting 11:30 – Career journey through acquisitions & startups 15:00 – Transition into data & connected TV 16:30 – Gaming industry trends & current challenges  18:30 – Explaining gaming from a consumer perspective 19:30 – Introducing PHȲND: gaming via smart TVs 22:00 – Game types, accessibility & platform vision 24:30 – Marshawn Lynch partnership + brand storytelling 27:30 – Super Bowl celebrity moments (Bella Twins, etc.) 31:30 – Melody's story as a trailblazer (female football kicker) 36:00 – PHȲND launch details + how to join beta   Follow Kimberly on Instagram: https://www.instagram.com/kimberlylovi/ Subscribe on YouTube Here: https://www.youtube.com/@UCmujZrnOwlh5_rcFdxZZT3w  

Our conversations with the 2026 Automotive Intelligence Award winners wrap up with Satyan Merchant, who is senior vice president, automotive and mortgage business leader at TransUnion. Merchant recollected how his interest in data started when studying statistics on the back of baseball cards as a youngster and how it translated into a career of explaining complex trends backed by concrete information.

Independent analyst Jimmy Moyaha unpacks Sirius Real Estate's €93.4 million acquisition of a defence-related property. Fatgie Adams from TransUnion looks at what an unchanged prime rate means for consumers still under pressure. And James Hodge from the Competition Commission warns against price gouging ahead of Wednesday's fuel increase.

Learn how to prepare for early retirement and deal with credit report errors that won't go away. Why are credit report errors getting harder to fix? How do you prepare for retirement if you may have to stop working earlier than expected? Hosts Sean Pyles and Elizabeth Ayoola discuss early retirement planning to help you understand how to build a backup plan before an income shock forces your hand. But first, news writer Anna Helhoski joins Sean Pyles to discuss ProPublica's reporting on weaker Consumer Financial Protection Bureau oversight and credit bureau complaint handling with Joel Jacobs, data reporter at ProPublica. They discuss falling relief rates at Experian and TransUnion, how errors can damage borrowing and housing options, and what records to keep when you challenge a mistake. Then, after a prompt from listener Lisa, Sean and Elizabeth discuss preparing for an early or forced retirement. They discuss how to pressure-test your nest egg with a CFP, how tools like the 72(t) rule and Social Security can help cover an income gap before age 59½, and how part-time work, lower debt, and cheaper housing can make an unexpected retirement more manageable. Thrivent article: https://www.thrivent.com/insights/social-security/social-security-break-even-point-what-it-is-how-to-calculate-yours#how-to-calculate Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Join Craig, Josh and Charlie Wise, TransUnion's EVP of Global Research and Consulting, as they unpack the forces shaping the 2026 consumer credit landscape. From a stabilizing macroeconomic backdrop to evolving lender strategies, Charlie walks through key trends across credit cards, auto, personal loans and mortgage. He also explores the implications of affordability pressures, interest rate expectations and the K shaped dynamics influencing consumer financial health. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

Welcome to RIMScast. Your host is Justin Smulison, Business Content Manager at RIMS, the Risk and Insurance Management Society.   In this episode, Justin interviews Kristen Peed, RIMS Ex Officio, and RIMS Board Member, John Kline, about the results of the 2025 RIMS Risk Professional Compensation Survey, covering Risk Professionals in North America. They discuss the growth trend in base salaries for risk professionals in the U.S. and Canada and what this growth represents. They also dig into the median salary of Chief Risk Officers in both nations and how that reflects on the perceived value of the risk profession today. They discuss the worth of experience and certifications for a risk career. They cover the variety of assignments attached to the roles of risk professionals, and the value of expanding the responsibilities of your role over your career. They discuss the rising generation of risk professionals and the need to ensure the transfer of knowledge as the more experienced risk managers retire. Listen for thoughts on incentives for contributing to the long-term stability and growth of your organization.   Key Takeaways: [:01] About RIMS and RIMScast. [:16] About this episode of RIMScast. We will review the results of the RIMS 2025 Compensation Survey with Kristen Peed and John Kline. But first… [:40] RIMS Virtual Workshops. On March 17th and 18th, RIMS will align with AFERM for a two-day RIMS-CRMP-FED Exam Prep Course. [:51] The next RIMS-CRMP Exam Prep Course will be on April 21st and 22nd, and then again on June 9th and 10th. Registration links are in this episode's notes. [1:00] On April 15th, we have a virtual workshop covering "Emerging Risks", led by Joseph Mayo. [1:12] Register today and strengthen your risk knowledge. RIMS members always enjoy deep discounts on the virtual workshops. [1:19] Webinars. On March 12th, Global Risk Consultants returns with "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes". [1:34] We had to reschedule the  "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" Webinar that was scheduled for March 6th. Registrants should have received an email about the rescheduling. We will soon confirm the new date. [1:51] Register for these and other webinars by visiting RIMS.org/webinars and the links in this episode's show notes. [2:01] On with the Show! We are delighted to be joined by RIMS Ex Officio, Kristen Peed, and RIMS Board Chair, John Kline, to discuss the findings of the RIMS 2025 Compensation Survey. [2:15] This biannual survey provides detailed compensation analysis for virtually all risk management positions, as well as the impact that education, experience, and other demographic data have on salaries. [2:27] The report also provides data about risk management reporting structures, team size, benefits, and additional cash compensation programs. It's a North American study. There are some positive trends that we're going to explore with Kristen and John, so let's get to it! [2:42] Interview! Kristen Peed, John Kline, welcome to RIMScast! [3:01] As Ex Officio, Kristen hasn't seen the inside of airports as often. Last year, Kristen was on 98 flights. [3:54] John has been on the RIMS Board for five years. He says the Board is a great team of people. It's a privilege to serve. [4:31] As Kristen and John both have a vested interest in RIMS and the future success of the profession, Justin wanted them together on the show to review some of the high-level points of the Compensation Survey. The survey is available through a link in this episode's show notes. [4:51] Justin states that the median salary for U.S.-based risk professionals is now $160,000; it's  $140,000 in Canada. Both figures are up over the last decade and since the last survey, in 2023. [5:20] Kristen sees the sustained salary growth as a clear signal that risk management has moved from a support function to a strategic function. Organizations aren't just paying us for insurance placement or procurement but for our insight, foresight, and decision support. [5:42] Kristen says that over the last decade, risk professionals have been pulled into conversations around cyberresilience, operational continuity, regulatory exposure, capital strategy, and reputation. Those are board-level issues. [6:00] When compensation grows steadily and not in spikes, it reflects the recognition that good risk management is necessary to protect enterprise value and enable smarter growth. [6:16] Kristen is seeing that the market is saying risk leaders are not cost managers anymore; they are people protecting the value of their organization and creating that value, as well.  [6:29] John agrees with Kristen. He adds that he thinks, as an industry, we have gotten to be more professional. RIMS has worked on this for years: How do we get the people in this profession to be treated as professionals, like an attorney or an accountant, not procurement? [6:58] John thinks the practitioners have upped their game, becoming much more technically competent, participating in professional development, and becoming more involved at an executive level at corporations. [7:27] John also sees practitioners becoming more involved in the industry. Taking roles on advisory groups at insurance companies and brokers. They're getting to be active participants. Management recognizes that these individuals do a good job of representing the company. [7:48] John thinks it's a combination of better technical skills and greater recognition, which allows them to have that seat at the table. It's a host of things. [8:03] Justin recently had Cynthia Garcia as a guest on RIMScast. Cynthia is the Chief Risk Officer for Bernards Construction Company in California. Justin is seeing more folks like her, who have the CRO role, as RIMScast guests. [8:24] With more Chief Risk Officers and VPs of Risk Management in the U.S. now reporting a median salary of $245,000, which is up dramatically from 2023, it seems like the market is catching up with the importance of risk professionals, especially senior-level risk professionals. [8:52] Kristen thinks part of it is market catch-up. When she moved into her role at Sequoia, she upped her game. Leadership came to her and tapped her for things she never thought she would get to experience. Those things increased her responsibilities and shifted her into the CRO role. [9:28] Kristen says the CRO role has matured. The risk leaders are expected to really look at enterprise risk, insurance strategy, capital efficiency, governance, and how they can help their business be more resilient. [9:46] Kristen reports directly to the CEO and works directly with the CFO and CISO. She's not just managing programs; she's being integrated into the decision-making process. [10:04] That level of influence requires judgment, credibility, and the ability to lead cross-functionally. That's what the compensation reflects. Kristen doesn't see it reverting. She sees it stabilizing at higher levels as those expectations remain elevated. [10:27] There are 21 people on the two teams that report to Kristen. [10:42] John says, having been in the industry for several years, people who sit in our chairs probably understand the company as well as anybody else. [10:56] John says part of our job is to look at all the nooks and crannies and understand everything, whether it's property exposure, premises, product, reputation, or Directors and Officers liability. We get engaged in Errors & Omissions. We get engaged in cyber. [11:18] We have become part of the team that understands holistically. John's job is a holding company. He works holistically. He thinks the compensation and the responsibility continue to catch up with each other. [11:50] One area John sees that needs work is corporate risk. We probably need to carve out operational, enterprise, and insurable. If you work at a bank, you have credit risk and capital risk; there are a lot of other risks where we don't have the skillsets. [12:15] John says that in different industries, the CRO or Risk Manager will encompass different things. We probably need to focus on the operational, enterprise, and insurable risk, and carve out the credit risk, the capital risk, and the liquidity risk. [12:48] John is a team of one. Anybody in his position has to have good communication skills and a lot of support. John can't do what he does by himself. He networks within the organization. He has contacts throughout the organization. He has outside business partners. [13:37] John wants to walk together, shoulder-to-shoulder with his business partners. He sees them as more than collaborators. If you want to go far, you go together. [14:22] Kristen says that leadership without direct authority is a critical skill. When you're a team of one, you learn how to direct people when you don't have actual authority over them. Collaborating with them and communicating well are critical to that skillset. [14:45] Kristen says a CRO is just a title. Titles vary across corporations. What someone with the CRO title does is not more important than what a Director of Risk Management does at another company. Functions are different across different companies. [15:17] A Quick Break! RIMS is once again supporting the FERMA Global Risk Manager Survey 2026. [15:30] Now in its second consecutive global edition, the survey, led by FERMA, brings together insights from Europe, the U.S., Latin America, Asia Pacific, and Africa, offering an international perspective on how the risk management perspective is evolving. [15:46] Surveys are anonymous, and the final report is free. The deadline to participate is March 31st. A link is in this episode's show notes. [15:56] RISKWORLD 2026 will be held from May 3rd through the 6th in Philadelphia, Pennsylvania. RISKWORLD attracts more than 10,000 risk professionals across the globe. It's time to Connect, Cultivate, and Collaborate with them. [16:12] Booth sales are open now. General registration and speaker registration are also open right now. Marketplace and hospitality badges will be available starting on March 3rd. Links are in this episode's show notes, and be sure to check out RIMS.org for more information. [16:31] The Second Annual RIMS Texas Regional Conference will be held in San Antonio from August 10th through August 12th. [16:38] The call for submissions for educational sessions is open through March 18th. Check out the link in this episode's show notes and make a pitch! Hopefully, you get selected, and we see you in San Antonio! [16:51] The RIMS Western Regional Conference will be held from October 4th through the 7th in Seattle, Washington. Registration is open, and you can also submit a session. Visit RIMSWesternRegional.com and the link in this episode's show notes for more information. [17:09] Let's Return to Our Interview with John Kline and Kristen Peed! [17:31] We're talking about the RIMS 2025 Compensation Survey. There is so much great information in it. It is available through RIMS.org and the link in this episode's show notes. [17:45] Nearly all compensation survey respondents, 97% in the U.S. and 90% in Canada, perform functions beyond risk management, including insurance, claims, business continuity, compliance, and even ESG. [17:58] Justin asks if compensation is keeping pace with the expanding scope and complexity of the role. [18:06] John says he feels he is fairly compensated. He enjoys getting involved in multiple areas. Procuring insurance is a large part of his role, but he brings a lot of other value to the organization. [18:43] John says he enjoys assisting in other areas of risk. It helps his professional development. It brings variety to his job. He works very closely with business continuity to help them quantify and understand it. He needs to know that for his insurance renewals. [19:08] Years ago, John was responsible for the ergonomics program of Bank of America, one of the largest employers in California. He had a wonderful team and really enjoyed the job. It led to his accomplishment of driving down workers' compensation claims. [19:58] John says you ought to change your job every two years. If you're doing your job two years from now, the same job, exactly the way you're doing it today, you're not growing. You're not developing your job. [20:20] John says he was in the same job, at one point, for almost 17 years. Every year, what he did was entirely different. He had the same title for 17 years. Every two years, he remade what he did. [20:40] John says growing your job shows your recognition of the increase in compensation and increased responsibility.  [20:50] Kristen has a unique position at Sequoia. She's not sure that what she does exists at any other company. She has the opportunity to work in underwriting and risk management for her company and brokerage. She was brought on as the internal risk manager. [21:10] Kristen also has the opportunity to oversee a team of underwriters and claims professionals who work on workers' compensation and employment practices liability that go into the PEO captive. Learning about all that was fun. [21:28] About a year ago, Kristen had the opportunity to take over the leadership of the property and casualty brokerage team. She gets to see all three facets of this industry, sitting in one role. [21:49] Because of these experiences Kristen has had, now she sits in on strategic decisions about opening new companies. Sequoia is getting ready to open up another company. [22:02] Kristen is part of the leadership team, looking at how to scale this. It's more than insurance decisions. It's about how to do this business, how to scale it, compliance, and governance. [22:22] Kristen says to look for opportunities to raise your hand. Expanding your skillset will help support your position with your leadership when you're going through the merit cycle. [22:46] Justin says the top industry impacts in the survey include attracting new candidates, cyber exposure, adoption of new technologies, AI, and hybrid workshifts. The median age of U.S. risk professionals is 51. Justin asks Kristen and John if we are facing a succession challenge. [23:11] Kristen says a big yes on that. John says succession planning and talent retention within this industry are the number one challenge. It is estimated that over the next five years, 350,000 people will retire. Over 50% of the industry is over 55. This is huge. [23:52] With those retirements, the industry will lose a tremendous amount of intellectual capital and experience. At the same time, this large group of professionals retiring in the next five or 10 years provides types of opportunities that never existed before for people in their 30s and 40s. [24:26] John says talent is the number one challenge for the industry. People coming into it are going to learn the skillsets. There's a lot this industry has to offer. There's a wide range of roles and a huge opportunity for growth. It touches so many different areas of the organization. [25:02] John says people are going to need a risk professional. The uncertainty in this world is increasing. The speed of change is getting faster. They will need someone like us. Make sure your organization knows you're the person they want, and so they don't look for someone else. [25:42] Kristen says she doesn't think risk has a talent shortage. She says Spencer Educational Foundation is doing a great job of recruiting into our industry. What we need to keep our eye on is the knowledge transfer and making sure that we're training the next generation. [26:05] Kristen believes the solution isn't just recruiting, it's the development. Make sure you're bringing that next generation to the RISKWORLD Conference so they understand how business is done, and they're developing those relationships. [26:18] Kristen says we shouldn't be focused on people late in their careers, like John and I. Risk isn't a back-office role anymore. It's out there on the front lines. Treat the next generation that will step into our shoes as the front lines. [26:50] Budget to bring the next generation to conferences. Include them in meetings and opportunities to be strategic. Teach them. If we don't transfer that knowledge, we risk losing that judgment. It's not a headcount issue but a knowledge transfer issue. [27:12] Another Quick Break! The Spencer Educational Foundation's Risk Manager on Campus application period will open on April 1st, 2026, and it will close on June 30th. Grant awardees, colleges, and universities are typically notified in September. [27:38] The Course Development Grant application deadline for Interval Number 2 will be on June 15th, 2026. Award notifications will be sent out in late July. [27:52] General Grant applications will open on May 1st, 2026, and the application deadline is July 30th. Internship Grant applications open on August 15th and close on October 15th. [28:05] Links to each of these grants are in this episode's show notes. Visit SpencerEd.org for more information. [28:13] Let's Conclude Our Interview with John Kline and Kristen Peed. [28:23] Justin cites the survey, saying 79% of U.S. professionals were eligible for additional cash compensation, with performance, especially organizational performance, driving the most payouts. Justin asks if this is an appropriate incentive program. [28:45] Kristen says linking compensation to organizational performance makes sense. But risk doesn't exist in a vacuum. We have to make sure we're not rewarding only short-term results. [28:57] Kristen is eligible for incentives for both short-term organizational performance of a year and long-term incentives for multi-year organizational performance. That gives her time to put into play strategically things that will impact the organization in the long term. [29:20] Kristen doesn't know that a lot of organizations have evolved to where they're doing both short-term and long-term incentives and bonuses. [29:28] Kristen says that is a way we could incentivise risk professionals to make an organizational impact that permeates throughout the enterprise. It rewards something that's more overarching than one year's performance. [29:58] John agrees with Kristen. This is part of the evolution of the profession. John has base compensation, short-term incentives, and long-term incentives that he's had for years. It helps you get alignment with management for the long-term success of the organization. [30:19] John says most of us could save money in any given year, but we've got to look at stability for our programs. Management does not like wide fluctuations. [30:42] It forces us to think strategically, like an owner or the C-suite. It helps develop stability, not only on the corporate side, but also on the broking side and the carrier side. [31:02] For years, carriers in the reinsurance industry have had five- and ten-year incentives. It takes that long to see if a reinsurance contract is profitable. This is the evolution of the industry to align us better with the long-term objectives of the C-suites. [31:51] John says, if I have wild fluctuations year to year, and I haven't kept the C-suite apprised of it for three years, management's not going to like that. I'm not doing my job. [32:26] Justin points out that on paper, John is a department of one, but he works with several others. Kristen says in her last job, she was a department of one. What strategies can John and Kristen provide for risk professionals with very limited resources to use to transfer knowledge? [32:47] Kristen thinks recognizing what your resources are is the place to start. You may have more resources at your fingertips than you realize. Your brokers can help you with the tools they may have. Your carrier partners may have other tools. [33:11] Kristen stresses RIMS and RIMS.org for all the tools and information at your fingertips there, as well as the RIMS Engage social media platform, where you can reach out to other risk professionals to get their advice. [33:28] Kristen thinks our industry is one of the greatest when it comes to collaboration and knowledge-sharing. She can call on her network for advice. You may be a department of one, but you are not alone. You have an entire community behind you to support you. [33:58] Justin explains that RIMS Engage is exclusively for RIMS members, one of the many benefits of RIMS membership. [34:11] John endorses everything Kristen said. He adds that you need to understand who your key stakeholders are. Those are the people who will support you. You have to set realistic expectations. As a team of one, sometimes things fall through the cracks. [34:51] You have to have a plan. You make a plan, you work the plan. You can't just come in every day and ask yourself what you are going to do that day.d You need a plan for the day, even though something during the day will upset the plan. [35:09] John says, "Communicate, communicate, communicate." John doesn't want to be a black box. If someone says they don't understand what he does, he sits down with them and tells them. [35:50] Justin adds a quick plug for the RIMS-CRMP. It's a great way to enhance your knowledge. If you are a department of one, if you pass that RIMS-CRMP exam, you will have the capacity of several risk professionals. [36:08] Kristen agrees. Credentials don't replace your experience, but they help you compound it fast. The RIMS-CRMP credential is incredibly valuable. It can help accelerate your knowledge. Risk management is a profession where judgment compounds over time. [36:36] You earn that credibility by seeing market cycles, going through claims scenarios, and by having failures and then recovering from them. [36:49] John says important credentials like the RIMS-CRMP show right away that you're dedicated to the industry. These are not easy certifications. They provide instant credibility. [37:16] When you can put RIMS-CRMP on your signature line, you differentiate yourself. You show others you are furthering your education. [37:38] Justin says we're going to see you both at RISKWORLD 2026 in Philadelphia! John Kline and Kristen Peed are omnipresent at RISKWORLD. [37:52] RIMScast recently had 2025 Goodell Award Winner Randy Nornes on the show. He said he can't stand the word risk, even though he's made his career on it. He prefers the word uncertainty because risk has a negative connotation. [38:29] Kristen says Sequoia's Chief Legal Officer has a saying, "Nothing bad happens." We have been prepared for everything. We have a playbook. We have practiced it. We don't talk about risk but about closing the gap and mitigating against those things. [39:03] John says, this is an opportunity. He understands Randy's position. People understand what a risk is. What is uncertainty? John likes the term risk business rather than the term uncertainty business. [40:14] John, Kristen, it has been wonderful to reconnect with you! I can't wait to see you again in two months! See you at RISKWORLD! [40:27] The RIMS 2025 Compensation Survey is available now. The links are in this episode's show notes. There are different tiers to access it. [40:52] Special thanks again to Kristen Peed and John Kline for joining us to discuss the results of the 2025 RIMS Risk Management Compensation Survey! Members have the benefit of receiving the survey results for free. The cost is $500 for nonmembers. A link is in the notes. [41:14] I've also got links to John Kline and Kristen Peed's prior RIMScast appearances and Kristen's RIMS-CRMP Story. Look for both of them at RISKWORLD 2026  in Philadelphiafrom May 3rd through the 6th. [41:27] Plug Time! You can sponsor a RIMScast episode for this, our weekly show, or a dedicated episode. Links to sponsored episodes are in the show notes. [41:55] RIMScast has a global audience of risk and insurance professionals, legal professionals, students, business leaders, C-Suite executives, and more. Let's collaborate and help you reach them! Contact pd@rims.org for more information. [42:14] Become a RIMS member and get access to the tools, thought leadership, and network you need to succeed. Visit RIMS.org/membership or email membershipdept@RIMS.org for more information. [42:31] Risk Knowledge is the RIMS searchable content library that provides relevant information for today's risk professionals. Materials include RIMS executive reports, survey findings, contributed articles, industry research, benchmarking data, and more. [42:48] For the best reporting on the profession of risk management, read Risk Management Magazine at RMMagazine.com. It is written and published by the best minds in risk management. [43:02] Justin Smulison is the Business Content Manager at RIMS. Please remember to subscribe to RIMScast on your favorite podcasting app. You can email us at Content@RIMS.org. [43:14] Practice good risk management, stay safe, and thank you again for your continuous support!   Links: RIMS Legislative Summit — March 18‒19, 2026 on Capitol Hill, Washington, D.C. | Register now! RISKWORLD 2026 Registration — Open for exhibitors, members, and non-members! Reserve your booth at RISKWORLD 2026! Spencer Educational Foundation — Scholarships and Grants | Open Calls and Timelines. RIMS Texas Regional Conference 2026 Education Content Submission — Deadline March 18, 2026! RIMS-CRO Certificate Program In Advanced Enterprise Risk Management | April - June 2026 Cohort | Led by James Lam RIMS Western Regional Conference — Oct. 4‒7, 2026 | Seattle, WA | Register Today and Submit an Educational Session! RIMS Compensation Survey 2025 — Download Today | Press Announcement Here. RIMS Risk Management magazine | Contribute RIMS Now RIMS-Certified Risk Management Professional (RIMS-CRMP) | Insights Video Series Featuring Joe Milan! The Strategic and Enterprise Risk Center RIMS Diversity Equity Inclusion Council RIMS-CRMP Story, featuring John Button RIMScast Canada — Episodes Now Live RISK PAC | RIMS Advocacy FERMA Global Risk Manager Survey 2026 Upcoming RIMS-CRMP Prep Virtual Workshops: RIMS-CRMP Exam PrepApril 21‒22, 2026 | June 9‒10 RIMS-CRMP-FED Exam Prep with AFERM | March 17‒18 Full RIMS-CRMP Prep Course Schedule See the full calendar of RIMS Virtual Workshops Risk Appetite Management | March 25‒26 Claims Management | April 7‒8 Emerging Risks | April 15 | Register Now! Upcoming RIMS Webinars: "Don't Waste the Soft Market: Where to Reinvest Insurance Savings Before the Window Closes" | March 12 | Sponsored by Global Risk Consultants "Hard Hats & High Stakes: Women Leaders Shaping Construction Risk Management" | Presented by RIMS — Rescheduled — Date TBA in March RIMS.org/Webinars   Related RIMScast Episodes: "Investing In Yourself with RIMS 2026 President Manny Padilla" "RIMS 2025 Goodell Award Winner Randy Nornes" "A Brand New Day with RIMS 2025 President Kristen Peed" "AI and the Future of Risk with Dan Chuparkoff"   Sponsored RIMScast Episodes: "Secondary Perils, Major Risks: The New Face of Weather-Related Challenges" | Sponsored by AXA XL (New!) "The ART of Risk: Rethinking Risk Through Insight, Design, and Innovation" | Sponsored by Alliant "Mastering ERM: Leveraging Internal and External Risk Factors" | Sponsored by Diligent "Cyberrisk: Preparing Beyond 2025" | Sponsored by Alliant "The New Reality of Risk Engineering: From Code Compliance to Resilience" | Sponsored by AXA XL "Change Management: AI's Role in Loss Control and Property Insurance" | Sponsored by Global Risk Consultants, a TÜV SÜD Company "Demystifying Multinational Fronting Insurance Programs" | Sponsored by Zurich "Understanding Third-Party Litigation Funding" | Sponsored by Zurich "What Risk Managers Can Learn From School Shootings" | Sponsored by Merrill Herzog "Simplifying the Challenges of OSHA Recordkeeping" | Sponsored by Medcor "How Insurance Builds Resilience Against An Active Assailant Attack" | Sponsored by Merrill Herzog "Third-Party and Cyber Risk Management Tips" | Sponsored by Alliant   RIMS Publications, Content, and Links: RIMS Membership — Whether you are a new member or need to transition, be a part of the global risk management community! RIMS Virtual Workshops On-Demand Webinars RIMS-Certified Risk Management Professional (RIMS-CRMP) RISK PAC | RIMS Advocacy RIMS Strategic & Enterprise Risk Center RIMS-CRMP Stories — Featuring RIMS President Manny Padilla!   RIMS Events, Education, and Services: RIMS Risk Maturity Model®   Sponsor RIMScast: Contact sales@rims.org or pd@rims.org for more information.   Want to Learn More? Keep up with the podcast on RIMS.org, and listen on Spotify and Apple Podcasts.   Have a question or suggestion? Email: Content@rims.org.   Join the Conversation! Follow @RIMSorg on Facebook, Twitter, and LinkedIn.   About our guests: Kristen Peed, Chief Risk Officer at Sequoia and RIMS ex officio John Kline, Senior Director, Enterprise Insurance Risk Management at TransUnion and RIMS Board Chair   Production and engineering provided by Podfly.  

What do Bigfoot and credit reports have in common? They're both surrounded by myths. While we may never settle the question of an eight-foot-tall creature wandering the woods, we can clear up the confusion around credit reports. On this episode of Faith & Finance, Neile Simon, a Certified Credit Counselor with Christian Credit Counselors, stops by to clear up some of the most common misconceptions about credit reports and credit scores. Understanding how credit really works can help you avoid costly mistakes and make wiser financial decisions. Myth #1: Paying Off Debt Instantly Fixes Your Credit Paying down debt is always a good step—but it doesn't instantly produce a perfect credit score. A credit score reflects your history of borrowing and repayment. Lenders use it as a snapshot of how responsibly you've managed credit over time. That means improvement takes patience. The most important habit is simple: consistently pay your bills on time. Over time, that steady pattern will strengthen your credit profile. And beware of anyone claiming they can “fix your credit overnight.” Building good credit always takes time. Myth #2: Credit Counseling Ruins Your Credit Score Many people fear that seeking help will damage their credit—but that's not true. Participating in a credit counseling program is considered a neutral mark on your credit report. What can affect your score is closing accounts, not the counseling itself. In fact, nonprofit credit counseling agencies often help people regain control of their finances through structured debt management plans. If you seek help, make sure the organization is accredited and nonprofit. That's why Christian Credit Counselors is the only organization we recommend for credit counseling and debt management.  Myth #3: Canceling Credit Cards Boosts Your Score Closing credit cards may seem responsible, but it can actually lower your credit score. Why? Because it reduces your available credit, which increases your credit utilization ratio—a key factor in credit scoring. If you have credit cards with zero balances and no annual fees, keeping them open can actually help your score. If you must close accounts, do it gradually—perhaps one every six months—to minimize the impact. Myth #4: Too Many Inquiries Hurt Your Score This myth was once more accurate than it is today. Credit bureaus now recognize that consumers shop for loans. If you're applying for a mortgage or car loan, multiple inquiries within a short window—typically about 45 days—are counted as a single inquiry. That means you can compare offers without damaging your credit score. And when it comes to checking your own credit report, that's considered a soft inquiry, which does not affect your score at all. In fact, it's wise to check your credit regularly to monitor for fraud or mistakes. Myth #5: You Don't Need to Check Your Credit If You Pay Bills on Time Even responsible borrowers should check their credit reports. Studies suggest that a large percentage of credit reports contain errors. Reviewing your report once or twice a year allows you to catch mistakes or fraudulent activity early. You can obtain free reports from all three major bureaus at AnnualCreditReport.com. Correcting errors can take time—sometimes up to 90 days—so staying proactive is important. Myth #6: All Credit Reports Are the Same There are three major credit bureaus: Equifax, Experian, and TransUnion. Each may contain slightly different information because creditors don't always report to all three bureaus, and updates may occur at different times. Different lenders may also use different scoring models depending on the type of loan—auto, mortgage, or credit card. For the most complete picture, it's wise to review all three reports. Myth #7: Divorce Automatically Removes Joint Debt Divorce agreements may divide debts between spouses—but they don't change the original credit contract. If your name remains on a joint account, you're still legally responsible for the debt. If the other person misses payments, your credit score can suffer too. That's why it's important to close joint accounts or refinance debts into one person's name whenever possible. Myth #8: All Negative Marks Disappear After Seven Years Some negative items disappear after seven years—but not all. For example: Chapter 13 bankruptcy: up to 7 years Chapter 7 bankruptcy: up to 10 years Positive closed accounts: can remain for 10 years The good news is that positive information usually stays longer than negative information, helping your score recover over time. Myth #9: You Can Pay Someone to “Fix” Your Credit Many companies promise fast credit repair—but most simply send dispute letters to creditors. If the information on your credit report is accurate, it cannot be removed. That means many consumers pay fees without seeing real results. The truth is, you can dispute errors yourself for free. Christian Credit Counselors provides free resources and sample dispute letters to help you correct inaccuracies. The Bottom Line Understanding how credit works empowers you to use it wisely. Credit reports aren't mysterious or magical—they simply reflect how consistently and responsibly you've handled debt over time. With accurate information, good habits, and a little patience, you can build a strong credit profile that supports your financial goals. And when challenges arise, seeking wise counsel and staying informed can help you move toward greater financial freedom. If you're struggling with credit card debt, Christian Credit Counselors can help. They've helped thousands of people get out of debt 80% faster while honoring their financial obligations. Visit ChristianCreditCounselors.org or call 800-557-1985 to learn more. On Today's Program, Rob Answers Listener Questions: My small retail business in a local mall is struggling as other stores close and sales decline. We're starting to lose money and take on debt. Should I consider closing the business and pursuing a new venture or a job to stabilize our family's finances? We've always tithed on our gross income. After selling our previous home, we made a non-taxable profit but used it to buy another home that still needs repairs and has a small mortgage. Should we tithe on that profit, or focus on maintaining the home and paying down the mortgage? Resources Mentioned: Faithful Steward: FaithFi's Quarterly Magazine (Become a FaithFi Partner) Christian Credit Counselors AnnualCreditReport.com  Our Ultimate Treasure: A 21-Day Journey to Faithful Stewardship Wisdom Over Wealth: 12 Lessons from Ecclesiastes on Money Look At The Sparrows: A 21-Day Devotional on Financial Fear and Anxiety Rich Toward God: A Study on the Parable of the Rich Fool Find a Certified Kingdom Advisor (CKA) FaithFi App Remember, you can call in to ask your questions every workday at (800) 525-7000. Faith & Finance is also available on Moody Radio Network and American Family Radio. You can also visit FaithFi.com to connect with our online community and partner with us as we help more people live as faithful stewards of God's resources. Hosted by Simplecast, an AdsWizz company. See pcm.adswizz.com for information about our collection and use of personal data for advertising.

En este episodio hablamos de la adquisición de TransUnion de México por parte de TransUnion; de la relevancia que está tomando Vix dentro del EBITDA de TelevisaUnivision; de la subasta en la que se buscaba vender los activos de AHMSA; el incremento en el precio de las acciones de la empresa que está detrás de The Sphere; de el turismo en las ubicaciones que aparecen en series y películas.⁠Escucha nuestro newsletter diario "Whitepaper Hoy" en Spotify⁠Try Whitepaper 30 days freeBuy your Whitepaper merch hereRecomendación:THE 2028 GLOBAL INTELLIGENCE CRISIS

Jeannine Naudè, vise-president en hoof van Afrika by TransUnion, gesels oor kredietverslae. Volg RSG Geldsake op Twitter

Jeannine Naudè, vise-president en hoof van Afrika by TransUnion, gesels oor haar agtergrond, loopbaan, industrie, en wat sy doen om te ontspan. Volg RSG Geldsake op Twitter

How can corporate talent acquisition teams replicate the high-stakes, "white-glove" service of executive search for every role in an organization? Join host Matt Staney and Neil Crumpton, Senior Director of Talent Acquisition at TransUnion, as they discuss transforming recruitment from a reactive function into a strategic partnership powered by human judgment and AI efficiency.In this episode, Neil shares his journey from executive recruiting to corporate leadership, revealing how to build high-touch experiences for candidates and hiring managers alike.

This week on Next in Media, I sat down with Matt Spiegel, EVP of Marketing Solutions Growth Strategies at TransUnion, to unpack one of the most pressing questions in advertising right now: what's actually changed since cookies started disappearing and privacy laws started piling up? And just as importantly, what hasn't changed? Matt brings a refreshingly practical perspective to the conversation, explaining how disconnected data infrastructure remains the biggest obstacle for most brands, even as everyone races to adopt AI-powered marketing. He breaks down why walled gardens still have an inherent advantage, how signal loss is forcing marketers to rethink their strategies, and why the industry's obsession with the "easy button" might be holding progress back.We also tackled some uncomfortable truths about where the industry is headed. Matt shared his thoughts on agentic advertising and whether bots will really replace media planners, the noisy MarTech landscape that's overwhelming CMOs, and why he believes the next economic downturn could trigger massive layoffs in marketing and advertising. Throughout our conversation, Matt emphasized that while the tools and technology are evolving rapidly, the fundamentals of good marketing haven't changed. It's about understanding your customers, connecting your data, and applying that intelligence at scale. This is a conversation for anyone trying to make sense of the chaos in modern marketing, wondering how to navigate identity resolution in a post-cookie world, or just trying to figure out which AI tools are actually worth the hype._______________________________________________________Key Highlights

With the NFL season in full swing and the Super Bowl just weeks away, Jim sits down with Tim Ellis, Chief Marketing Officer of the National Football League, for a timely conversation about leading one of the most powerful brands in the world. Recorded live at the ANA Masters of Marketing in Orlando, this episode explores how the NFL continues to evolve beyond the game itself into a cultural force that brings people together. Since joining the league in 2018, Tim has helped reshape how the NFL shows up — making it more human, more inclusive, and more connected to fans across generations and communities.Tune in for a conversation around creativity, courage, and what it takes to steward a brand that means so much to so many.---Learn more, request a free pass, and register at iab.com/almPromo Code for $500 of ticket prices: ALMCMOPOD26---The CMO Podcast is a vYve Production.This week's episode is brought to you by Deloitte, TransUnion and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

For episode 667 of the BlockHash Podcast, host Brandon Zemp is joined by Kanny Lee, Co-founder and CEO of SecondSwap, the first issuer-approved secondary market for locked tokens. A veteran of fintech and digital assets, he brings over 20 years of experience across regulated finance, payments, and crypto infrastructure. He's led MAS-regulated firms including dtcpay and OSL Group, and held senior roles at EY, TransUnion, and Deloitte, advising global institutions on risk, compliance, and cyber forensics.Kanny is also a partner at Libra Capital, giving him a dual vantage point as both operator and investor in Web3. With formal certifications in anti-money laundering (ACAMS) and digital forensics (GIAC), he's widely regarded as a credible voice on token market structure, real-world asset liquidity, and the next generation of compliant crypto infrastructure.Join the waitlist for he only decentralized on-chain marketplace for trading locked tokens: https://t.me/Secondswapappbot?start=693a9dc7a9c1d4113e029589 

Welcome to NAA's Apartmentcast, the official podcast of the National Apartment Association. On this sponsored episode, we sit down with Kyle Nelson, Vice President of Corporate Strategy at Snappt, and Maitri Johnson, Vice President, Tenant and Employment at TransUnion, to discuss how fraud prevention isn't just an operational task anymore; it's shaping the renter experience and influencing where people choose to live. Trust-building technology is becoming a competitive edge for multifamily communities:  From faster approvals for qualified applicants to stronger protections against fraud, we discuss how modern tools enhance the leasing journey, support onsite teams, and attract high-quality renters. We also break down how trust and transparency can function as powerful amenities that boost operational efficiency and elevate resident satisfaction.Visit Snappt.comPlease note that as is the case for all NAA Apartmentcast episodes, nothing contained within this podcast should be treated as legal advice. The information presented is for educational purposes only. 

The auto industry is changing faster than ever, yet cars remain deeply personal, symbols of freedom, connection, and possibility. Few companies embody that spirit like General Motors, a brand that has shaped culture for more than a century and is now leading the charge toward an electric and connected future.Jim's guest this week is Norm de Greve, Chief Growth Officer of General Motors. GM is, of course, home to iconic brands like Chevrolet, Buick, GMC, and Cadillac. It is a $77 billion revenue powerhouse driving innovation across combustion, electric, and autonomous vehicles.Norm brings a rare combination of creativity, purpose, and business discipline to one of the world's most iconic companies. Before joining GM in 2023, he spent nearly a decade as CMO of CVS Health, helping transform the company into a purpose-driven healthcare leader.So buckle up and tune in for a conversation with a marketing leader who believes in leading with high expectations and kindness.Captured live at the ANA Masters of Marketing, in partnership with TransUnion.---Learn more, request a free pass, and register at iab.com/almPromo Code for $500 of ticket prices: ALMCMOPOD26---This week's episode is brought to you by Deloitte, TransUnion and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Hour 1

As 2025 comes to a close, economic uncertainty and volatility remain top of mind for lenders and consumers alike. In this episode, Jason Laky, EVP of Financial Services at TransUnion®, joins Josh and Craig to unpack the year's biggest credit trends — from resilient consumer demand to challenges in mortgage and auto — and what they signal for 2026. Jason also explores how lenders are leveraging alternative data and AI to manage risk and drive inclusion in a rapidly evolving market. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

When you think about the technology that connects our world—the phones in our hands, the cars we drive, the networks powering everything around us—there's a good chance Qualcomm is behind it.Jim's guest this week is Don McGuire, Global Chief Marketing Officer and Chief Communications Officer of Qualcomm. Since becoming CMO in 2021, Don has helped transform Qualcomm's narrative, elevating the company from “the tech behind the tech” into one of the most respected innovation brands in the world, while turning Snapdragon into a globally recognized consumer brand.Before Qualcomm, Don spent 25 years shaping the wireless ecosystem at companies like AT&T Wireless, Intel, Kyocera, Leap Wireless, and Amp'd Mobile—giving him a rare, end-to-end perspective on how technology, brands, and markets evolve together.For nearly 40 years, Qualcomm has been the engine driving wireless innovation, from the earliest days of mobile to today's breakthroughs in 5G, AI, automotive, and beyond. It's one of those rare companies whose technology quietly powers modern life—and the numbers tell the story: roughly $40 billion in annual revenue and a market cap of about $180 billion.Recorded live at the ANA Masters of Marketing in Orlando and powered by TransUnion, this conversation explores what it truly means to takes to build a brand that stands for innovation.---Learn more, request a free pass, and register at iab.com/almPromo Code for $500 of ticket prices: ALMCMOPOD26---This week's episode is brought to you by Deloitte, TransUnion and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Some leaders talk about the power of creativity, and a select few leaders build a career proving it. Jim's guest this week is one of those. Andrew Robertson is the long-time leader of BBDO Worldwide, one of the most awarded and effective creative advertising networks in the world. He served as President and CEO from 2004 to 2024 before stepping into his current role as Chairman. During his tenure, BBDO was named Network of the Year at Cannes Lions a record seven times and was crowned Network of the Decade in 2020.Today, as Chairman of BBDO Worldwide and Chairman Emeritus of the Ad Council, Andrew is focused on mentoring the next generation of creative leaders and helping brands harness creativity for real business growth. In 2022, Andrew was inducted into the American Advertising Federation Hall of Fame. In 2025, he added a new chapter to his legacy as a bestselling author with his book “The Creative Shift: How to Power Up Your Organization by Making Space for New Ideas.”So tune in for a conversation with a leader who believes that creativity is not an occasional flash of inspiration but a way of operating inside any organization. And from the entire team at the show, we wish you all a very Happy New Year!---Learn more, request a free pass, and register at iab.com/almPromo Code for $500 of ticket prices: ALMCMOPOD26---This week's episode is brought to you by Deloitte, TransUnion and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Very few brands have reinvented themselves as successfully, or as culturally, as Coach. On this week's episode, Jim sits down with Joon Silverstein, Chief Marketing Officer of Coach, to unpack the bold transformation behind one of fashion's most compelling modern growth stories. Coach is part of Tapestry, Inc., the New York–based global house of iconic accessory and lifestyle brands that also includes Kate Spade. This past fiscal year, Tapestry achieved a record $7 billion in revenue, driven largely by double-digit growth at Coach — a powerful signal of the brand's renewed momentum and relevance.Joon's impact at Coach spans more than a decade. She joined the brand in 2014 as SVP of Global Customer Experience, went on to lead digital, creative, sustainability, and North America marketing, and ultimately founded Coachtopia: Coach's groundbreaking circular sub-brand built with and for Gen Z. As we close out the year and head into the holiday season, this conversation feels especially timely. It's about courage, confidence, creativity, and what it really means to build brands — and careers — that stand for something meaningful.---Learn more, request a free pass, and register at https://www.iab.com/Promo Code for $500 off ticket prices: ALMCMOPOD26---This week's episode is brought to you by Deloitte, TransUnion and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Few brands define connection quite like AT&T—not just through technology, but through trust. And trust is not a word historically associated with telecom companies.Jim's guest this week is at the center of AT&T's transformation: Kellyn Smith Kenny, the company's first-ever Chief Marketing & Growth Officer. Since 2020, Kellyn has helped usher in what she calls the “Accountability Era,” part of an ambitious, multi-year reinvention backed by more than $145 billion invested in reliability, transparency, and customer trust.With revenues topping $120 billion and a customer base of more than 100 million consumers, AT&T is a brand that touches nearly every American life. Under Kellyn's leadership, the company has become known for both its marketing excellence and its humanity—from launching the AT&T Guarantee, to pioneering a pragmatic approach to AI, to building meaningful partnerships with the likes of Formula 1 and Hello Sunshine.Tune in as Jim explores Kellyn's unique leadership journey—from Division I athlete to C-suite change agent—and how she's redefining what it means to lead a modern brand.---Learn more, request a free pass, and register at https://www.iab.com/events/annual-leadership-meeting-2026/?utm_source=ad&utm_medium=The+CMO+Podcast) Promo Code for $500 off ticket prices: ALMCMOPOD26---This week's episode is brought to you by Deloitte, TransUnion and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Audio has a magic all its own. The power to connect deeply, inspire emotion, and build lasting trust. In this week's episode, Jim Stengel sits down with Jenny Nelson, Chief Marketing Officer of Audacy, one of the nation's leading multi-platform audio content and entertainment companies. Founded in 1968 (then known as Entercom Communications Corporation) and rebranded as Audacy, Inc. in 2021, the company grew from a traditional radio broadcaster into one of the U.S.'s leading multi-platform audio content and entertainment companies.With over two decades in the industry, Jenny has become an authority on how sound drives emotion, performance, and brand growth. From her early days at BBDO to her pivotal role guiding Audacy's transformation from a traditional broadcaster to a digital-first audio powerhouse, Jenny shares invaluable lessons on brand storytelling, creativity, and the future of audio marketing.Recorded live at the ANA Masters of Marketing in Orlando and powered by TransUnion, this conversation explores what it truly means to create, and harness, the magic of sound.---Learn more, request a free pass, and register at iab.com/alm (utm: https://www.iab.com/events/annual-leadership-meeting-2026/?utm_source=ad&utm_medium=The+CMO+Podcast) Promo Code for $500 of ticket prices: ALMCMOPOD26---This week's episode is brought to you by Deloitte, TransUnion and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Pete Turek — a TransUnion® SVP responsible for overseeing relationships with more than 120 of the nation's leading financial institutions — join Josh and Craig this month to unpack insights from the latest Consumer Industry Insights Report. The discussion highlights a “K-shaped” dynamic in lending, with strong growth at both ends of the credit spectrum, record personal loan originations and Gen Z's rising influence. The conversation also covers tighter credit lines, longer auto loan terms, delinquency trends across products and the impact of the recent government shutdown. Looking ahead, the group examines how tax season, student loan offsets and macroeconomic factors could shape consumer credit performance in early 2026. For lenders and risk professionals, this episode offers a clear, data-driven view of where consumer credit stands — and what's next. The information discussed in this podcast constitutes the opinion of TransUnion, and TransUnion shall have no liablity for any actions taken based upon the content of this podcast.

When you think about brands that have truly reshaped an entire category, few have done it as quickly or as effectively as Chipotle Mexican Grill, a brand that turned fast food into fast casual, and purpose into a powerful growth engine.Jim's guest this week is Chris Brandt, the President and Chief Brand Officer of Chipotle and one of the most respected marketers in the industry. Since joining the company in 2018, Chris has helped transform Chipotle into a purpose-driven lifestyle brand; making it more visible, relevant, and culturally resonant than ever before. Under his leadership, Chipotle has doubled in size, launched some of the industry's most creative campaigns, and become one of the most admired brands in the world.Before joining Chipotle, Chris built his marketing foundation at three of the great brand academies--General Mills, Coca-Cola, and Yum! Brands--where he helped launch legendary platforms like Taco Bell's “Live Más” and Doritos Locos Tacos. Today, he brings that same mix of creative courage, data-driven insight, and cultural intuition to Chipotle, where purpose and performance go hand in hand.Tune in for a conversation with a Chief Brand Officer who truly loves his job!---Recorded live at the ANA Masters of Marketing in Orlando, powered by TransUnion. Here we go.---Learn more, request a free pass, and register at iab.com/alm (utm: https://www.iab.com/events/annual-leadership-meeting-2026/?utm_source=ad&utm_medium=The+CMO+Podcast) Promo Code for $500 of ticket prices: ALMCMOPOD26---This week's episode is brought to you by Deloitte, TransUnion and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

This podcast is brought to you by Outcomes Rocket, your exclusive healthcare marketing agency. Learn how to accelerate your growth by going to⁠ outcomesrocket.com Trust is the foundation of data-driven healthcare transformation. In this episode, Ryan Weber, Solutions Consultant at TransUnion, discusses how data innovation is being leveraged to enhance patient access, minimize friction, and ensure equitable care for underserved populations. He explains how TransUnion's non-credit data, including contact, property, and behavioral information, helps healthcare organizations clean, verify, and enrich patient information to enhance outreach and engagement. Ryan shares how AI and automation streamline onboarding, reduce manual entry, and strengthen care continuity. He also highlights the company's focus on inclusive data strategies, regulatory compliance, and ethical data use to maintain trust while improving both financial outcomes and patient satisfaction. Tune in and learn how data intelligence and trust are shaping the next generation of patient-centered healthcare experiences! Resources Connect with and follow Ryan Weber on LinkedIn. Follow TransUnion on LinkedIn and visit their website! Email Ryan directly here.

When you think of some of America's most recognizable household brands: Brawny, Angel Soft, Dixie, Quilted Northern…there's one company behind them all: Georgia Pacific.
And at the helm of marketing for that incredible portfolio is Jim's guest this week, Laura Knebusch, the Senior Vice President of CPG Marketing and Customer Experience. Laura is a seasoned marketing leader and transformation champion who has spent the past 15 years at Georgia Pacific. She has been the head of marketing for the past two-plus years, and has been focused on modernizing one of the most iconic CPG companies in the world. Under her leadership, Georgia Pacific has become an early mover in retail media and a shining example of how legacy brands can stay relevant in the digital age. Before joining Georgia Pacific, Laura began her career at Procter & Gamble where she developed her grounding in consumer insight and brand discipline. Tune in for a conversation with a leader who is applying a rigor to a new era of marketing, one that's faster, more digital, and more unpredictable than ever before. Recorded live at the ANA Masters of Marketing in Orlando, powered by TransUnion. ---Learn more, request a free pass, and register at iab.com/almPromo Code for $500 of ticket prices: ALMCMOPOD26---This week's episode is brought to you by Deloitte, TransUnion and the IAB.See Privacy Policy at https://art19.com/privacy and California Privacy Notice at https://art19.com/privacy#do-not-sell-my-info.

Join Our FREE Start Repairing Credit Challenge: http://startrepairingcredit.com/Ever seen one of those “Click Here to Dispute” buttons on Equifax, Experian, or TransUnion's website and thought it looked like a quick and easy fix?Well, that innocent-looking button is actually one of the biggest traps in credit repair… and it could destroy your chances of getting real deletions in the future. When you click on it, you're not just starting a dispute. No, you're agreeing to the bureau's fine print, and trust me, the fine print is not something you want to agree to. That's why today, I'm breaking down why these online disputes fail, what rights you lose, and how to actually fix your credit in 2026, so that you won't become another victim of this predatory system. Tune in! Key Takeaways:00:00 Intro 01:10 Why Online Disputing Is a Trap 03:31 Why Online Disputes Fail 90% of the Time 06:38 The Power of Paper 08:27 My Final Point 09:03 OutroAdditional Resources:Get my free credit repair trainingAre These Viral Credit Repair Tricks Total Scams?Make sure to subscribe so you stay up to date with our latest episodes.

Terri Couser is an entrepreneur, coach, and Board-Certified Credit Consultant with two degrees from Villanova University. Her career began at TransUnion, where she updated thousands of credit profiles, sparking her passion for real estate and helping others build financial stability through home buying, selling, and property management. Through her Wealth Building Ministry, Terri empowers individuals and youth to create generational wealth and LEGACY, partnering with organizations like the Philadelphia Education Fund and Year Up for panels and speaking events. Today, Terri teaches people nationwide how to leverage credit to build wealth, start businesses, and achieve financial freedom. She has grown her company into a national brand, partnered with global influencers, launched Credit Leverage Lifestyle and "The Winner's Circle" community, and hosts Major Impact on The CW's CONNECT Network to help women entrepreneurs master money and investing. During the show we discussed: The inspiration behind creating Credit Leveraged Lifestyle. How credit leverage helps break generational debt cycles. Why the credit repair industry is full of misinformation. Common credit myths people still believe. How bureau experience gives an edge in credit consulting. Risks of following bad online credit advice. First steps in starting a credit-building or repair journey. Key differences between personal and business credit. How to build business credit without using a personal SSN. Biggest mistakes with credit utilization and DTI. How Board and Credit Score Certification set you apart. Results clients see from your programs. Why understanding credit reports and scores matters. How better credit unlocks major financial opportunities. What's included in the 90-module Credit Leveraged Lifestyle course. Resource: https://www.creditleveragedlifestyle.com/  

It's November, and holiday shopping is underway. How do you make sure your packages aren't stolen? Also, now that we're in Black Friday month - there's a major hazard to avoid while purchasing online.  Thwarting Porch Pirates: Segment 1 Ask Clark: Segment 2 Warning: BNPL aka Pay In 4: Segment 3 Ask Clark: Segment 4 Mentioned on the show: Avoid Porch Pirates With These Delivery Options From Amazon, UPS, FedEx and USPS⁠ How To Freeze and Unfreeze Your Credit With Experian, Equifax & TransUnion⁠ ⁠Should I Freeze My Credit With the Other Credit Bureaus?⁠ 12 Keys To Keeping Your Home Wi-Fi Network Safe and Secure Why 'Buy Now, Pay Later' Worries Clark Howard What is hospital medicine, and what is a hospitalist? Clark.com resources: Episode transcripts Community.Clark.com  /  Ask Clark Clark.com daily money newsletter Consumer Action Center Free Helpline: 636-492-5275 Learn more about your ad choices: megaphone.fm/adchoices Learn more about your ad choices. Visit megaphone.fm/adchoices

Learn how to get and read your free credit reports and spot red flags so you can protect your score and money. How do you set a realistic budget for a big life event without guilt? What's the foolproof way to get and read your free credit reports? In this episode, hosts Sean Pyles and Elizabeth Ayoola discuss wedding budgeting and credit monitoring to help you protect your finances. They open by discussing trip and wedding budgeting trade-offs, like how to prioritize comfort, set spending caps, and decide when to splurge. They share tactics for separating wedding and honeymoon costs, using cash gifts and registries wisely, and staying flexible when real prices blow past early estimates. Then, NerdWallet lead writer Amanda Barroso joins Sean and Elizabeth to answer listeners' questions about how to access and monitor their credit reports. They explain the difference between reports and scores and do a live read-through of Sean's Experian report. They cover how to get free weekly credit reports, how to spot hard vs. soft inquiries, what truly matters to your score, what to ignore, and step-by-step moves to dispute errors with the right bureau(s) fast. NerdWallet's list of the best high-yield savings accounts: https://www.nerdwallet.com/banking/best/high-yield-online-savings-accounts  Standout high-yield CDs: https://www.nerdwallet.com/m/banking/standout-cd-rates-2  Enter your deposit, CD term and APY to see what interest you would earn on a certificate of deposit with NerdWallet's free CD calculator: https://www.nerdwallet.com/banking/calculators/cd-calculator  Want us to review your budget? Fill out this form — completely anonymously if you want — and we might feature your budget in a future segment! https://docs.google.com/forms/d/e/1FAIpQLScK53yAufsc4v5UpghhVfxtk2MoyooHzlSIRBnRxUPl3hKBig/viewform?usp=header In their conversation, the Nerds discuss: free credit report, credit score, FICO vs VantageScore, how to read a credit report, dispute credit report errors, credit freeze vs lock, Experian, Equifax, TransUnion, hard vs soft inquiry, identity theft credit report, free weekly credit reports, adverse action notice, credit utilization, bank app credit score, frozen credit report, collections on credit report, mortgage on credit report, mixed credit files, verify identity for credit report, step by step read credit report, remove errors from credit report, how to check credit score for free, VantageScore 3.0, FICO score 10T, credit bureau upsell, lock vs freeze security, and travel budget planning. To send the Nerds your money questions, call or text the Nerd hotline at 901-730-6373 or email podcast@nerdwallet.com. Like what you hear? Please leave us a review and tell a friend. Learn more about your ad choices. Visit megaphone.fm/adchoices

Back in the early 1900s, the Chicago mafia was known as “The Outfit”, and their frontman was a Harvard-educated lawyer named Abe Pritzker, a man once described as the “clean face of a dirty business”. Out of this situation, Abe Pritzker was able to build a massive empire of businesses, and from there his family built upon his foundation over the next century to create a fortune exceeding $33 billion. These days the Pritzker family is responsible for financing the Rainbow Mafia & Trans Agenda, Barack Obama's rise to power, the Diversity Equity Inclusion push, the Trans-Pacific Partnership, and other agendas designed to subvert America from within. From owning the Hyatt Hotel brand & Royal Caribbean cruise line to the TransUnion credit reporting agency & Marmon Group, the Pritzker family runs Chicago and has installed one of their own as governor of the state of Illinois, but there are now some rather obvious cracks in the foundation. The Octopus of Global Control Audiobook: https://amzn.to/3xu0rMm Hypocrazy Audiobook: https://amzn.to/4aogwms Website: www.Macroaggressions.io Activist Post: www.activistpost.com Sponsors: Chemical Free Body: https://www.chemicalfreebody.com Promo Code: MACRO C60 Purple Power: https://c60purplepower.com/ Promo Code: MACRO Wise Wolf Gold & Silver: www.Macroaggressions.gold LegalShield: www.DontGetPushedAround.com EMP Shield: www.EMPShield.com Promo Code: MACROChristian Yordanov's Health Program: www.livelongerformula.com/macro Above Phone: abovephone.com/macro Promo Code: MACRO Van Man: https://vanman.shop/?ref=MACRO Promo Code: MACRO Activist Post: www.ActivistPost.com Natural Blaze: www.NaturalBlaze.com Link Tree: https://linktr.ee/macroaggressionspodcast

When even the Department of Defense can't properly vet its software dependencies, what chance do the rest of us have? Steve Gibson reveals how "fast-glob" became a case study in supply chain blindness, explores whether AI can ever truly be controlled after Meta's celebrity chatbot disaster, and celebrates BYTE Magazine's 50th anniversary with a look at how far we've come (and how vulnerable we still are). A look back at issue #1 of BYTE magazine exactly 50 years ago The enforcement of the SHAKEN & STIR Telecom protocols Breaking: Judge rules against forced Google divestitures in monopoly case The inherent danger of consolidating authentication Can AI be controlled? Vivaldi says a big "no" to AI-enhanced web browsers How WhatsApp figured into Apple's recent 0-day attacks Leveraging AI as an attack aid The latest TransUnion data breach Two scummy websites sue the UK over age requirements OpenSSH reminds its users to adopt post-quantum crypto The DOD uses open source maintained by a Russian national Much great feedback from our terrific listeners Sci-Fi news from "The Frontiers Saga" Ryk Brown Show Notes - https://www.grc.com/sn/sn-1041-notes.pdf Hosts: Steve Gibson and Leo Laporte Download or subscribe to Security Now at https://twit.tv/shows/security-now. You can submit a question to Security Now at the GRC Feedback Page. For 16kbps versions, transcripts, and notes (including fixes), visit Steve's site: grc.com, also the home of the best disk maintenance and recovery utility ever written Spinrite 6. Join Club TWiT for Ad-Free Podcasts! Support what you love and get ad-free shows, a members-only Discord, and behind-the-scenes access. Join today: https://twit.tv/clubtwit Sponsors: go.acronis.com/twit threatlocker.com/twit bitwarden.com/twit bigid.com/securitynow joindeleteme.com/twit promo code TWIT