2026 Fraud Trends Guide for Banks & Credit Unions Download
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Attorney, author, consultant and nationally recognized trainer, David A. Reed is a partner in the law firm of Reed and Jolly, PLLC. Through Reed and Jolly, Mr. Reed provides guidance to credit unions concerning a variety of matters including the establishment and revision of policies and procedures, organizational compliance, collections, security, contractual agreements, regulatory matters and corporate governance. In addition to his legal expertise, Mr. Reed is a Certified Fraud Examiner and former Chairman of a Supervisory Committee. His engaging speaking style has garnered him status as a regular lecturer nationwide on topics such as regulatory compliance, governance, examination planning, consumer lending, bankruptcy and collections. He has trained credit unions in all 50 states and over a dozen foreign countries. He also offers facilitation services and a full range of training programs that can be delivered to the Board, executive team, managers or frontline staff.
A former trial attorney and Vice President and General Counsel of a federally chartered credit union, Mr. Reed is particularly noted in the areas of credit union operations, compliance, governance, security, bankruptcy and collections. He has been selected to train federal and state field examination staff on numerous issues including BSA, Field of Membership, ID Theft Red Flags, S.A.F.E Act, Third Party Contract Management, Cybersecurity and Bankruptcy. He also serves as a frequent contributor to numerous industry publications.
Mr. Reed received his undergraduate degree from Virginia Tech in 1986 and his Juris Doctorate from George Mason University School of Law in 1989. He resides in Fairfax, Virginia with his wife Diane and an odd assortment of cats.
Nationally recognized speaker, writer and communications professional, Diane Reed, currently serves as President of CUDoctor, LLC, a full-service credit union consultancy, assisting credit unions nationwide with human resource, marketing, community relations, compliance, sales, training, board relations and governance, and executive support. Prior to joining CUDoctor, Diane served for more than a decade as Vice President of Administration for a mid-sized credit union. Diane’s expertise in “Service-Oriented Culture Change” has been cited in such publications as “Credit Union Times”, “Credit Union Management” and a host of other industry magazines. She has co-authored cross-discipline (Human Resources and Security) articles such as “Bad Guys Don’t Always Wear Black” published in “Credit Union Magazine.”
In 2016, she teamed up with America’s Credit Unions to create and deliver the industry’s first Credit Union HR Compliance Certification School, a program which has proven not only popular but a new “necessary” for all credit union HR professionals. Prior to joining the credit union movement, Diane acted as Marketing Communications Director at Carfax, Inc.; as Communications Director for the International Gem & Jewelry Show, Inc. and as Marketing Director for Creative Hairdressers, Inc. She attended The American University and graduated from George Mason University where she specialized in Organizational Communication. Diane currently resides in Fairfax, Virginia with her husband David, a credit union guru in his own right.
Millennium Corporate Credit Union
1862 Donner Ave
Wichita, KS 67212
USA
Are We the Place for You?
Millennium Corporate Credit Union ($2B, Wichita, KS) is seeking our next Chief Financial Officer to join our leadership team and help guide the financial strength and strategic direction of our organization. Millennium Corporate has proudly served as a trusted partner to credit unions since 1951. With more than $2 billion in assets and nearly 300-member credit unions across the Midwest, we exist to strengthen the credit union system by delivering liquidity, investment, payments, and correspondent solutions that help our members thrive. Guided by the core values of Reliability, Commitment, Cooperation, Excellence, and Integrity, Millennium Corporate is known for its collaborative culture and steadfast service.
Our team is small but mighty: close-knit, mission-driven, and deeply committed to advancing the cooperative movement. Headquartered in Wichita, Kansas, Millennium Corporate is rooted in a community that blends Midwestern charm with the amenities of a thriving city, offering an affordable cost of living, vibrant culture, and excellent schools. If you are looking for an opportunity to help shape the financial strategy of an organization that plays a vital role in supporting credit unions, Millennium Corporate could be the place for you.
Is This the Career for You?
The Chief Financial Officer will serve as a key member of Millennium Corporate’s executive leadership team and a strategic partner to the President/CEO. As a corporate credit union, Millennium Corporate does not serve individual consumers; rather, it exists to support credit unions through liquidity, investment, and correspondent services. The CFO plays a critical role in ensuring the organization’s financial strength so that it can continue serving as a trusted financial partner to its nearly 300 member credit unions.
This role carries primary responsibility for balance sheet strategy and oversight of Millennium Corporate’s investment portfolio. The CFO will lead modeling, analysis, and ongoing management of the corporate’s complex balance sheet, ensuring sound asset/liability management, liquidity positioning, and investment performance in alignment with regulatory expectations and the organization’s risk appetite.
In addition to strategic financial oversight, the CFO will provide leadership to the organization’s accounting function, overseeing a small but high-performing three-person accounting team. The role will also contribute to the organization’s enterprise risk management efforts, helping identify, measure, and manage financial and operational risks across the organization.
The ideal candidate will bring deep financial expertise along with a thoughtful, collaborative leadership style. They will be comfortable translating complex financial and investment information into clear insights for executive leadership and the Board, supporting sound decision-making while maintaining the highest standards of safety and soundness. Success in this role will come from a strong understanding of financial markets, disciplined balance sheet management, and a commitment to the cooperative values that define the credit union movement.
This is a hybrid leadership role, with the expectation that the CFO will spend time working on-site with the team at Millennium Corporate’s headquarters in Wichita, Kansas, while also maintaining flexibility to work remotely.
Help Us Get to Know You
To be considered for this role, candidates should bring a minimum of 7 years in a senior financial leadership role. Experience within correspondent banking or corporate credit unions is strongly preferred.
The successful candidate will demonstrate expertise in financial management, accounting, and asset/liability management. Experience working with complex balance sheets, investments, liquidity management, and financial strategy is necessary. A collaborative leadership style, strong communication skills, and experience working with executive teams will also be essential.
A bachelor’s degree in finance, accounting, or a related field is required. Advanced degrees or professional certifications such as CPA, CFA, or MBA are preferred.
Link to apply: https://bit.ly/4bE0hUm
Millennium Corporate Credit Union
1862 Donner Ave
Wichita, KS 67212
USA
Are We the Place for You?
Millennium Corporate Credit Union ($2B, Wichita, KS) is seeking our next Chief Financial Officer to join our leadership team and help guide the financial strength and strategic direction of our organization. Millennium Corporate has proudly served as a trusted partner to credit unions since 1951. With more than $2 billion in assets and nearly 300-member credit unions across the Midwest, we exist to strengthen the credit union system by delivering liquidity, investment, payments, and correspondent solutions that help our members thrive. Guided by the core values of Reliability, Commitment, Cooperation, Excellence, and Integrity, Millennium Corporate is known for its collaborative culture and steadfast service.
Our team is small but mighty: close-knit, mission-driven, and deeply committed to advancing the cooperative movement. Headquartered in Wichita, Kansas, Millennium Corporate is rooted in a community that blends Midwestern charm with the amenities of a thriving city, offering an affordable cost of living, vibrant culture, and excellent schools. If you are looking for an opportunity to help shape the financial strategy of an organization that plays a vital role in supporting credit unions, Millennium Corporate could be the place for you.
Is This the Career for You?
The Chief Financial Officer will serve as a key member of Millennium Corporate’s executive leadership team and a strategic partner to the President/CEO. As a corporate credit union, Millennium Corporate does not serve individual consumers; rather, it exists to support credit unions through liquidity, investment, and correspondent services. The CFO plays a critical role in ensuring the organization’s financial strength so that it can continue serving as a trusted financial partner to its nearly 300 member credit unions.
This role carries primary responsibility for balance sheet strategy and oversight of Millennium Corporate’s investment portfolio. The CFO will lead modeling, analysis, and ongoing management of the corporate’s complex balance sheet, ensuring sound asset/liability management, liquidity positioning, and investment performance in alignment with regulatory expectations and the organization’s risk appetite.
In addition to strategic financial oversight, the CFO will provide leadership to the organization’s accounting function, overseeing a small but high-performing three-person accounting team. The role will also contribute to the organization’s enterprise risk management efforts, helping identify, measure, and manage financial and operational risks across the organization.
The ideal candidate will bring deep financial expertise along with a thoughtful, collaborative leadership style. They will be comfortable translating complex financial and investment information into clear insights for executive leadership and the Board, supporting sound decision-making while maintaining the highest standards of safety and soundness. Success in this role will come from a strong understanding of financial markets, disciplined balance sheet management, and a commitment to the cooperative values that define the credit union movement.
This is a hybrid leadership role, with the expectation that the CFO will spend time working on-site with the team at Millennium Corporate’s headquarters in Wichita, Kansas, while also maintaining flexibility to work remotely.
Help Us Get to Know You
To be considered for this role, candidates should bring a minimum of 7 years in a senior financial leadership role. Experience within correspondent banking or corporate credit unions is strongly preferred.
The successful candidate will demonstrate expertise in financial management, accounting, and asset/liability management. Experience working with complex balance sheets, investments, liquidity management, and financial strategy is necessary. A collaborative leadership style, strong communication skills, and experience working with executive teams will also be essential.
A bachelor’s degree in finance, accounting, or a related field is required. Advanced degrees or professional certifications such as CPA, CFA, or MBA are preferred.
Link to apply: https://bit.ly/4bE0hUm
If you’re unforgettable, you’ll create a customer for life – and in this service-driven economy, where automation and algorithms have replaced personal interaction, every moment is an opportunity to create a memory in the hearts and lives of your clients and team members.
In this presentation, Simon T. Bailey leverages what he’s learned over 30 years of working for six different companies, including the Disney Institute and The Ritz-Carlton Learning Institute, to create mome...
Heritage Family Credit Union
1862 Donner Ave
Rutland, VT 05701
USA
Are We the Place for You?
Heritage Family Credit Union (HFCU), headquartered in Rutland, Vermont, is a member-focused financial cooperative with approximately $850 million in assets serving more than 54,000 members across Vermont, New Hampshire, New York, and Massachusetts.
Since 1956, Heritage Family Credit Union has been dedicated to helping members achieve financial well-being through a diverse range of high-quality, competitively priced financial products and services. Guided by a commitment to friendly, personalized service, HFCU delivers exceptional experiences for the whole family while maintaining strong financial performance and long-term stability.
With deep roots in the communities it serves, HFCU is growing while staying true to the cooperative values that define the credit union movement. We are focused on innovation, responsible growth, and building lasting relationships with our members.
Is This the Career for You?
The Chief Lending Officer (CLO) will serve as a key member of Heritage Family Credit Union’s senior leadership team and lead the development and execution of the credit union’s overall lending strategy. This leader will oversee a robust team responsible for all lending functions, including consumer, residential mortgage, direct and indirect auto, member business lending, and collections, while ensuring strong asset quality, regulatory compliance, and a positive member experience. The CLO will modernize lending processes, introduce technology and automation where appropriate, and build a strong, cohesive team capable of carrying the credit union’s lending vision forward.
This role is ideal for a builder: Someone excited to strengthen and modernize the consumer, indirect, and mortgage portfolios. Mortgage lending, in particular, represents a major growth opportunity as HFCU works to create affordable housing for the communities it serves. The CLO will bring a clear vision for building a competitive program, including knowledge of secondary markets, pricing strategies, and incentive design.
The CLO will bring a thoughtful approach to rural lending and community development informed by a keen understanding the communities HFCU serves across Vermont, New York, New Hampshire, and Massachusetts.
Internally, the CLO will foster a collaborative, servant-leadership culture that values humility, transparency, and teamwork over silos or internal politics.
Help Us Get to Know You
Ready to build and strengthen a lending program while serving communities across Northern New England? Submit your resume showing 10+ years of progressive lending leadership experience within a financial institution, with a balance of commercial, consumer, and strong mortgage lending expertise.
HFCU offers a hybrid work arrangement. Executives must live within commutable distance (about 150 miles) from our headquarters for participation in regular board meetings and other on-site requirements.
The base salary range for this position is approximately $175,000–$272,000 annually, with additional incentive opportunities. The target salary is approximately the mid-point of the range.
Link to apply: https://bit.ly/3Nin4vH
California's Credit Unions
1862 Donner Ave
Ontario, CA 91761
USA
Are We the Place for You?
California’s Credit Unions are seeking a Director, Grassroots Advocacy, to advance our grassroots advocacy for California’s Credit Unions, as well as for our partners in Nevada and Utah. With new partnerships and new leadership in place, our commitment to advocacy that advances credit unions’ work of providing affordable financial services for all is stronger than ever. Our Director, Grassroots Advocacy will play a key role in engaging our network of credit union leaders to deliver a coordinated and impactful grassroots advocacy program, which is key to our long-term strategic priorities.
Our Core Values demand that we put Members First, Advocate for their interests, deliver Excellence, Listen/Learn/Innovate, and always operate as One Team. The Director, Grassroots Advocacy, will embody our Core Values by prioritizing members, advocating for their interests, and driving high-impact advocacy. As a strategic leader and liaison, the Director will collaborate across teams and stakeholders to ensure coordinated, effective efforts aligned with our commitment to our members and mission.
An independent organization, we closely collaborate with colleagues in other states and national credit union trade associations to advance a 535-seat federal legislative strategy that ensures an operating environment where credit unions deliver on their mission of financial well-being for all.
This position is located alongside our key political and legislative leadership roles in our Sacramento office and will travel occasionally throughout the region we serve (California, Nevada, and Utah) and to Washington, D.C. in order to build relationships and strengthen advocacy efforts. This role offers a salary range of $80,000 - $110,000 and is best suited for highly motivated candidates.
Is This the Career for You?
The Director, Grassroots Advocacy, leads internal initiatives to build coalitions and strengthen relationships with elected officials, collaborating closely with state and federal government affairs leadership. This includes managing key programs such as Advancing Communities Together and other future advocacy initiatives. Reporting to the SVP of State Government Affairs, the role demands exceptional communication skills, sound judgment, and a high level of integrity; the Director, Grassroots Advocacy will also support the SVP of Federal Government Affairs with activities related to congressional initiatives.
A strategic and relationship-focused leader, the Director excels at forming meaningful partnerships and collaborating across teams to achieve shared objectives. The Director will possess strong emotional intelligence and political acumen, enabling effective engagement with credit union leaders, members, and policymakers, and will translate complex policy issues into clear, compelling messages that motivate action and align stakeholders.
Proficient in technology and data management, the Director leverages digital platforms, grassroots databases, and communication tools to broaden outreach, increase participation, and drive measurable advocacy results. This individual will demonstrate a proactive, results-oriented approach, anticipating challenges, identifying opportunities, and executing initiatives that advance organizational priorities.
Grounded in purpose, the Director is committed to amplifying the voice of the communities served, strengthening relationships, and delivering meaningful, lasting impact while continuously evaluating and refining strategies to support organizational goals. Throughout the application process, you should demonstrate your passion for building purposeful coalitions that achieve results.
Help Us Get to Know You
Ready to take the next step in your career? Submit your resume that shows at least 5 to 7 years of experience in grassroots advocacy, campaign management, or political advocacy. Candidates should have a bachelor’s degree in political science, communications, economics, public relations, law, public affairs, or related.
Link to apply: https://bit.ly/3Pp4McV
Connects Federal Credit Union
Richmond, VA 23228
USA
Are We the Place for You?
Connects Federal Credit Union ($105M, Richmond, VA) is seeking our next President/CEO. Headquartered in Richmond, Virginia, Connects FCU began in 1950 as a credit union serving the employees of the C&P Telephone Company. In 2007, Connects FCU was granted a new charter by the NCUA, allowing the credit union to serve anyone in the City of Richmond and the Counties of Chesterfield, Hanover, and Henrico. Now, 75 years and over 15,000 members later, Connects FCU has established a deep connection to the communities it serves, and the credit union takes great pride in providing the very best in financial solutions to its members.
Our community offers great mid-sized city living, with Richmond named as the #1 mid-sized art city in America. With just over 1 million people in the metropolitan area, Richmond is a great place to thrive, while also providing wonderful opportunities to get to know neighbors and make an impact in the communities we serve.
Is This the Career for You?
Connects FCU is more than just a financial institution. We strive to be a part of the fabric of the communities where we operate. As an organization, we believe in the value of community involvement. Our staff are encouraged to engage in community events and actively volunteer. We are committed to meeting the needs of our community, and our President/CEO will get to know our community and understand these needs well. We live our vision to provide financial opportunity, choice, and lifelong value to our members and our community while following the credit union philosophy of “People Helping People” and we are seeking a President/CEO who believes this, too.
As our President/CEO evaluates the needs and opportunities in our field of membership, it will be possible to see how to lead us into the future, helping continue the stable growth we have enjoyed while continuing to meet our members’ current and emerging needs. Knowledge of how to leverage our Low-Income Credit Union designation, expand a Field of Membership, and rebuild our capital will help the President/CEO grow Connects FCU in a manner that ensures our safety and stability. Eagerness to learn about our team and our members will help the President/CEO guide the strategic direction of the credit union with an empathetic and solution-oriented focus when challenges arise.
This role provides an exceptional opportunity for a well-rounded credit union executive to guide this organization forward alongside a dedicated Board of Directors. As the President/CEO, your exceptional interpersonal skills will help you develop trust and candid communication with staff, members, volunteers, employer groups, and our communities. Your broad knowledge of what it takes to manage a credit union – including financial management, working with regulators, strategic planning, and operations – will help you create success and develop a team who can help carry out our vision for steady growth and long-term sustainability for the credit union and our members.
Help Us Get to Know You
If this sounds like the next step in your career, we want to learn more about you! Introduce yourself with a resume (or a link to your LinkedIn profile) that shows your professional experience and formal education/credentials. We are seeking 5+ years of management experience in a mid- to senior-level role in a financial services institution (credit union preferred), as well as a demonstrated history of industry and community involvement. A Bachelor’s Degree, CUNA Management School, or CUES CEO Institute certifications will set you apart.
Link to apply: https://bit.ly/47h7ZkK
Jeff Liford is an IT leader, educator, and cybersecurity resilience expert with more than 15 years of experience across the military, federal, and private sectors. Currently an Associate Director at Fenix24, he leads high-impact cyber incident recovery efforts and strategic process improvement initiatives.
A former U.S. Army Senior Intelligence Analyst and long-time Adjunct Professor at the University of Alaska Anchorage, Jeff blends hands-on technical expertise with a passion for teaching. His work focuses on building resilient systems, mentoring future engineers, and empowering teams to grow through disruption.