James Garvert
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Articles by James Garvert
Restoring Trust In Every Interaction Across Every Channel
James Garvert is the SVP of Communications Solutions for TransUnion. Consumers are being exposed to increasingly advanced fraud tactics that take advantage of weaknesses across digital channels. Recent findings show that as fraud grows more sophisticated and pervasive, consumer confidence in digital interactions is declining across nearly every industry sector. In 2025, fraudulent robocalls were estimated to have cost consumers over $80 billion globally.
Forbes JAPAN 公式サイト(フォーブス ジャパン)
ジェームズ・ガーバートはトランスユニオンのコミュニケーションソリューション担当上級副社長である。 2026年、特に金融セクターのビジネスリーダーたちは、生成AIによって形作られる、ますます脅威を増す詐欺の状況に直面している。実際、デロイトの推計によると、米国の銀行における詐欺による損失は2023年の123億ドルから2027年には400億ドルに増加すると予想されており、これは主に生成AIの進歩によるものだ。 また、連邦準備制度理事会でのAIの経済的・社会的影響に関するプレゼンテーションで、OpenAIのCEOであるサム・アルトマン氏は差し迫った危機について警告し、「現在は音声通話だが、すぐに現実と区別がつかないビデオやFaceTimeになるだろう」と述べた。ディープフェイクやなりすまし通話に加えて、詐欺師はAIを使って規制や検出方法を回避するために素早く戦術を変化させることもでき、連邦通信委員会(FCC)などの規制当局は防御的な立場に置かれている。...
Five Steps Financial Firms Can Take To Combat AI-Driven Phone Fraud
James Garvert is the SVP of Communications Solutions for TransUnion. In 2026, business leaders, especially in the finance sector, face an increasingly threatening fraud landscape shaped by generative AI. In fact, Deloitte estimates losses from fraud for US banks is expected to increase from $12.3 billion in 2023 to $40 billion by 2027, largely due to the advancement of gen AI.
How Businesses Can Rebuild Trust In The Age Of Impersonation Scams
James Garvert is the SVP of TruContact Communications Solutions for TransUnion. Whether you're an NFL player receiving a prank call about being drafted or the White House chief of staff being impersonated through a phone breach, the daily threat of imposter scams has increased substantially. In fact, impersonation scams were among the top reported frauds to the Federal Trade Commission (FTC) in 2024, with consumer losses totaling $2.95 billion.
Call Authentication: The Push To Restore Customer Trust
James Garvert is the SVP of TruContact Communications Solutions for TransUnion. getty The Federal Trade Commission (FTC) recently issued its "Top Scams of 2024" update, and the results aren't promising. Consumers lost about $1.9 billion to fraud through phone calls, texts or emails last year. Notably, they lost more money per person (a median of $1,500) when they interacted with scammers on the phone. As in 2023, impostor scams topped the list again last year.
How Credit Unions Can Help Members With Economic Affordability Issues
Vehicle protection plans and service contracts offer a valuable solution for CU members facing these challenges. Credit/Shutterstock In today's difficult economic landscape, Americans are grappling with increasing affordability challenges. The dual pressures of inflation and high prices on essential goods and services are eroding consumer spending power and making it harder for individuals to manage their finances effectively.
4 Considerations for Moving Your Payments Services to the Cloud
Migrating payments services to the cloud can help credit unions address a number of rapidly evolving demands. Credit/Shutterstock According to a recent report by Datos Insights, 90% of businesses prioritize instant payments, yet many financial institutions lack the technology to meet growing demand from consumers. In addition to enabling instant payments, cloud-based payments-as-a-service (PaaS) models offer a variety of advantages to financial institutions.
Is the U.S. Facing a Credit Invisibility Crisis?
Learn what can be done to improve a challenging situation that may be causing growing rates of financial exclusion. Credit/Adobe Stock Over the past few decades, the shift of financial services to online platforms, the introduction of new payment methods and the digitization of various services have dramatically reshaped our financial lives. Despite these advancements, certain aspects have stayed the same. One of these constants is the ongoing significance of credit.
How Credit Unions Can Reduce Call Spoofing & Fraud Problems
Smaller institutions are especially at risk, with a report finding fraud in CUs increased by over 70% in 2022. Credit/Shutterstock Consumers are very concerned about the increasing number of data breaches, imposter scams and fraud that have become a part of our everyday lives. But when fraud threatens their finances, they're terrified. And they're not the only ones.
Council Post: Fraudsters Lure Consumers With Highly Personal Nature Of Phone Calls
James Garvert is the SVP of TruContact Communications Solutions for TransUnion. It’s getting more and more difficult to keep up with fraudsters who are committing increasingly sophisticated scams involving multiple channels—including phone calls, SMS, email and beyond—as part of a complex process to take advantage of consumers. According to the Federal Trade Commission (FTC), consumers lost over $10 billion in fraud in 2023.
Council Post: How Rich Call Data (RCD) Can Be Used To Combat Robocalls, Call Spoofing And Fraud
James Garvert is the SVP of TruContact Communications Solutions for TransUnion. Bad actors are becoming more and more creative in defrauding consumers using the phone. Between the continued rise in robocalls, call spoofing and spam—along with legitimate calls being incorrectly labeled or even blocked—it’s surprising businesses can reach customers at all these days. In fact, according to our own internal data, 88% of calls to customers go unanswered.
Council Post: As AI Emboldens Fraudsters, Businesses Must Protect Their Customers From New Threats In The Phone Channel
James Garvert is the SVP of TruContact Communications Solutions for TransUnion. Impersonation scams once again topped the Federal Trade Commission’s list of top frauds in 2022, and the phone channel remained a popular choice for bad actors. In recent reports, nearly 70 million Americans lost approximately $40 billion to a variety of phone scams in 2021. The median loss among victims over the phone was $1,400, representing the highest per person reported losses.
Council Post: Medicare Fraud: Defending Vulnerable Individuals From Phone Scams
James Garvert is a Neustar SVP and GM, responsible for caller ID, branded call display, trusted call solutions and other products. getty The population in America is , and the 65-plus demographic is expected to nearly double from 52 million in 2018 to 95 million by 2060. Medicare, the federal government’s health insurance program for this segment (and younger people with certain conditions), enrolled nearly 64 million Americans in 2021.
Council Post: The Next Critical Phase In The STIR/SHAKEN Fight Against Robocalls: Enterprise Adoption
James Garvert is a Neustar SVP and GM, responsible for caller ID, branded call display, trusted call solutions and other products. There have been a few industry rumblings that hasn’t put an end to the problematic calls being made to consumers. Yet, industry flagbearers continue to promote STIR/SHAKEN standards as the solution needed to restore trust in the phone channel. So, which is it? Does STIR/SHAKEN effectively close the loopholes bad actors exploit?
Council Post: Months Past U.S. STIR/SHAKEN Deadline, Other Nations Join The Party
James Garvert is a Neustar SVP and GM, responsible for caller ID, branded call display, trusted call solutions and other products.
Council Post: Mind The Gap: Exploring The Technology Breakdown In The Omnichannel Customer Experience
James Garvert is a Neustar SVP and GM, responsible for Caller ID, Branded Call Display, Trusted Call Solutions, and other products. getty While businesses are primarily focused on technology upgrades that improve the customer experience as a way to differentiate their services, an enhanced customer experience can also bring in new customers, lead to higher upsell potential, decrease the cost to serve customers and increase revenue.
Back To Basics: The Flawed Phone Channel Can Be Restored
James Garvert is a Neustar SVP and GM, responsible for Caller ID, Branded Call Display, Trusted Call Solutions, and other products. getty In many ways, the pandemic has forced us to go back to basics. We've done less eating out and more home cooking. Trips to the gym have been replaced with basement workouts and walks outside. And for some, there is an increased reliance on something we used to take for granted: the phone channel.
2021 predictions: don’t overlook the phone call
If there’s one thing we can take away from the COVID-19 pandemic, it’s that communication is a basic human need. Although digital forms of communication like Zoom meetings and Slack chats may have taken the spotlight, forced reductions of in-person interactions have also highlighted the continuing importance of the humble telephone call as an essential link between financial institutions and their customers.
Lack of Qualified Linux Talent Impedes Enterprise Move to the Clouds
Even in these changing times of shuttered shops and pandemic-driven corporate layoffs, a flood of tech jobs goes unfilled due to a lack of Linux skills among IT workers. That combination is contributing to a slowdown or delay in enterprise plans to migrate their local computing base to public cloud operations, as an already existing Linux tech pool gap has widened since the pandemic. A Cloud Guru (ACG) hopes to fill that growing gap in trained Linux techs.
Lenovo Expands Linux-Ready Computer Line
Lenovo on Wednesday announced the launch of Linux-ready ThinkPad and ThinkStation PCs pre-installed with Canonical‘s popular Ubuntu technology as the next step in its Linux expansion program. The company now also now brings Linux certification to its ThinkPad and ThinkStation Workstation portfolio, along with easing deployment for developers and data scientists. Lenovo is moving to certify the full workstation portfolio for top Linux distributions from both Ubuntu and Red Hat.
7 Steps to Restoring Trust in Business Telephone Calls
Webinar: Support strategies for retaining customers Staying connected with and retaining your customers is crucial to your business's health -- and in today's environment, support teams have a bigger role to play than ever. Learn what support teams can do to reassure customers and bolster retention.
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