How much of your personal information is available online—and who can access it?

In this episode of the AFSA Extra Credit Podcast, Dan Bucherer sits down with Ron Zayas, CEO of Ironwall by Incogni, to discuss the growing risks tied to personal data exposure, cyber threats, and executive security.

Fresh off Ironwall’s feature on 60 Minutes, Ron explains how his company helps protect executives, employees, and organizations by removing sensitive personal information from data brokers, search platforms, and even the dark web.

The conversation explores how bad actors use publicly available data to target individuals, why attacks increasingly happen at home rather than at the workplace, and how artificial intelligence is making phishing scams more sophisticated—and more effective.

Ron also shares practical steps individuals can take to better protect themselves and their families, including limiting where personal information is shared, using VPNs, and understanding how everyday transactions may expose sensitive data.

In this episode:

• Why personal data has become a major security vulnerability
• How criminals use publicly available information to target individuals
• The rise of AI-powered phishing scams
• Why executives and employees alike are increasingly at risk
• How location tracking and data brokers collect personal information
• Practical steps consumers can take to protect themselves online

Whether you're focused on cybersecurity, consumer privacy, or protecting your organization from emerging threats, this conversation offers valuable insights into today’s rapidly evolving risk landscape.

Learn more:
Ironwall by Incogni
Incogni

Guest: Ron Zayas

In this episode of the AFSA Extra Credit Podcast, host Dan Bucherer sits down with Andres Klaric, co-founder of Fuse, to explore how artificial intelligence is reshaping the future of lending, loan origination, and customer experience.

Andres shares the story behind Fuse’s evolution—from a direct-to-consumer lending business to an AI-native platform serving banks, credit unions, and finance companies across the U.S.—and explains what it truly means to build and operate in an “AI-native” world.

The conversation dives into the rapid pace of AI innovation and the growing gap between those building the technology and those trying to adopt it. Andres emphasizes why waiting for the dust to settle isn’t an option, and how lenders can begin capturing real value today by focusing on workflow automation, continuous improvement, and practical implementation strategies.

Listeners will also gain insight into:

• Why many AI initiatives fail—and how to avoid “throwing AI on top” of existing systems
• How automation can drive efficiency without replacing human expertise
• The importance of transparency, compliance, and data ownership in AI-driven systems
• Where human judgment—especially in risk and underwriting—remains essential

Andres also discusses how AI is shifting roles within organizations, freeing teams from repetitive tasks and enabling more strategic, high-value work.

Whether you’re just beginning to explore AI or looking to scale your current efforts, this episode offers practical insights into how to adopt AI intentionally and effectively in today’s rapidly evolving landscape.

Visit fusefinance.com to learn more and connect with Andres on LinkedIn.

AFSA SVPs Celia Winslow and Danielle Arlowe recently appeared on he Auto Remarketing Podcast with Nick Zulovich of Auto Finance News. Celia & Danielle discussed the latest developments on the federal and state level, respectively, in connection with actions by lawmakers and regulators.

Special thanks to Nick and the team at SubPrime Auto Finance News for letting us republish the conversation here. Learn more about the Auto Remarketing Podcast and subscribe today.