Professional Role and Expertise
Ronda Marie Cepeda currently serves as the Director of Auto Lending at Point Predictive, a company specializing in AI-driven fraud prevention solutions specifically designed for the lending industry. Her role centers on the application of artificial intelligence and risk management within auto lending to enhance fraud detection, streamline underwriting processes, and reduce fraudulent loan activity. She is recognized as a pioneer in leveraging evolving AI technology in the automotive lending space, positioning her as a key expert in the niche of fraud prevention applied to auto finance.
Company Overview - Point Predictive
Point Predictive is headquartered at 350 10th Ave, Suite 800, San Diego, CA 92101, reachable by phone at 858.829.0839, and operates as a leading AI-powered fraud solution provider. The company’s core mission is to enable lenders—including those in automotive lending, banking, credit unions, mortgage lending, and fintech—to fund loans with greater confidence and speed while protecting against a broad spectrum of fraud risk.
The company’s technology suite includes proprietary AI-powered products such as:
- AutoPass™
- BorrowerCheck™ (for Dealers and Lenders)
- DealerCheck™
- IEValidate™ (Income and Employment Validation Technology)
- IncomePass™
- MortgagePass™
Point Predictive’s solutions leverage a proprietary risk data repository and predictive models trained on over 270 million real loan applications, enabling the company to distinguish truthful applicant disclosures from fraudulent ones accurately and swiftly. This reduces the need for onerous documentation, improves funding rates, and decreases losses from early payment defaults.
Recent Company Highlights and Market Activity
- The company published the 2025 Auto Lending Fraud Trends Report, highlighting an auto lending fraud risk surge to $9.2 billion in 2024, underlining the critical nature of Point Predictive’s solutions in the current market environment.
- Strategic partnerships have been recently announced, including integration with the MeridianLink platform, to deliver advanced fraud detection technology via leading loan origination systems.
- Adoption of Point Predictive’s income and employment validation technology (IEValidate™) by Silver State Schools Credit Union demonstrates its growing footprint in financial institutions beyond auto dealerships.
- Deployment of Point Predictive’s BorrowerCheck and IEValidate across 77 dealerships of Morgan Auto Group to combat fraud and costly buybacks evidences successful scalability and acceptance of their solutions in the automotive dealership sector.
- The company’s Fraud Consortium has surpassed 650 members, indicating a significant industry-wide adoption and collaborative fraud intelligence network.
Ronda Cepeda’s Thought Leadership and Industry Engagement
- Actively shares insights and updates regarding fraud prevention, AI in lending, and industry trends on professional platforms including LinkedIn and X (formerly Twitter).
- Engages with key lending and automotive industry events such as Money20/20, providing thought leadership on AI application and risk management.
- Publicly acknowledged for her contribution to educating the market on fraud myths, such as differentiating Point Predictive’s AI models from generic fraud AI solutions, emphasizing the company’s data-driven, purpose-built approach.
Strategic Relevance
Ronda’s leadership role in auto lending combined with Point Predictive’s strong market positioning in AI-powered fraud solutions makes her a central figure influencing lender adoption of fraud mitigation technology. Her focus on integrating alternative lending, fintech solutions, and income/employment verification highlights an orientation towards innovation and market responsiveness in fraud risk management.
Understanding her position and the company’s operational scope reveals several actionable insights:
- Emphasis on advanced AI models trained on extensive real-world data differentiates their offerings in a highly competitive fraud prevention landscape.
- Point Predictive’s technology integrations and partnerships enhance its accessibility and usage in multiple lending channels, including dealerships and credit unions, potentially expanding future client segments.
- Recent product deployments and industry reports released by the company underline a forward-thinking approach with clear evidence of impact on reducing fraud losses and streamlining loan underwriting.
LinkedIn Profile: [Ronda Marie Cepeda](http://www.linkedin.com/in/rondamariecepeda)
Company Website: [https://pointpredictive.com/](https://pointpredictive.com/)
Headquarters: 350 10th Ave, Suite 800, San Diego, CA 92101
Phone: 858.829.0839
