The New Risk Stack: How Fraud, Insurance Gaps, and Recovery Compound Losses

Auto loan risk used to come down to one question: did the borrower pay? Not anymore. Anne Holtzman, SVP of Risk Management Services at Allied Solutions, discusses how fraud, insurance gaps, and a strained recovery system compounds losses across auto lending, often long before recovery ever begins. Anne draws on nearly 40 years in insurance and lending to walk through what's changed, including the insurance signals that appear about 90 days before a missed payment, the rise in voluntary surrenders and $11,000 deficiency balances, how title washing and lost-lien fraud let borrowers slip away with the collateral, where...