---
title: "Intelligent Risk Infrastructure: Smarter Decisioning, Less Friction"
description: Join Spinwheel, Oscilar, and the American Fintech Council for a live discussion about how AI can reduce risk and speed decision making — without friction. 
image: https://learn.spinwheel.io/hubfs/Social%20Preview.png
---

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April 23, 2026 at 9:00 a.m. PT

# Your Intelligent Risk Infrastructure

### Smarter Decisioning, Less Friction

Join Spinwheel, Oscilar, and the American Fintech Council for a live discussion and Q&A about how AI can reduce risk and speed decision making — without adding friction. 

![Screenshot_2026-03-16_at_11.43.57_AM-removebg-preview](https://learn.spinwheel.io/hs-fs/hubfs/Screenshot_2026-03-16_at_11.43.57_AM-removebg-preview.png?width=205&height=52&name=Screenshot_2026-03-16_at_11.43.57_AM-removebg-preview.png) ![afc_logo-removebg-preview 1 (2)](https://learn.spinwheel.io/hs-fs/hubfs/afc_logo-removebg-preview%201%20(2).png?width=158&height=33&name=afc_logo-removebg-preview%201%20(2).png)

 

Lenders face a risk environment that grows more complex by the day. Fragmented credit profiles make it harder to understand a customer's liabilities. Digital fraud is accelerating as synthetic identities become even more difficult to detect. Regulatory expectations around transparency and compliance continue to rise. And, many institutions still rely on static underwriting models that slow decisioning, create operational friction, and leave costly blind spots across the risk lifecycle.

In this webinar, we'll explore how lenders can use data-rich artificial intelligence tools to reduce risk and make faster, smarter decisions without increasing friction for borrowers. You’ll learn:

- How AI can enable real-time risk signals, more accurate approvals, and clearer, more explainable decisions.
- Best practices to reduce fraud, improve approval rates, and build a more adaptive risk framework.
- How Oscilar and Spinwheel help lenders unify risk data, automate decisioning, and reduce fraud without adding friction to the borrower experience.

## Meet the Experts.

![Tomas Headshot](https://learn.spinwheel.io/hs-fs/hubfs/Tomas%20Headshot.png?width=200&height=200&name=Tomas%20Headshot.png "Tomas Headshot")

Tomás Campos  
CEO & Co-founder, Spinwheel

A three-time founder, Tomás is a noteworthy entrepreneur, executive, inventor, and operator across payments, data, retail, consumer, and Saas industries. Prior to Spinwheel, Tomás founded and sold his previous company to Westfield Inc., where he then served as the SVP of Product. He also grew the digital payments division of Blackhawk Network Inc. to a $1.5 billion business and independent reporting segment as the global general manager.

![Saurabh Bajaj Headshot](https://learn.spinwheel.io/hs-fs/hubfs/Saurabh%20Bajaj%20Headshot.png?width=200&height=200&name=Saurabh%20Bajaj%20Headshot.png "Saurabh Bajaj Headshot")

Saurabh Bajaj  
Chief Product Officer, Oscilar

For nearly two decades, Saurabh has built and scaled AI-powered risk platforms for banks, fintechs, merchants, governments, and disruptive financial institutions. From stopping scams and account takeovers to modernizing AML, fraud, and credit infrastructure, he has helped the world’s most complex financial ecosystems transform operations with AI — and now GenAI.

![Phil Goldfeder Headshot](https://learn.spinwheel.io/hs-fs/hubfs/Phil%20Goldfeder%20Headshot.png?width=200&height=200&name=Phil%20Goldfeder%20Headshot.png "Phil Goldfeder Headshot")

Phil Goldfeder  
CEO, American Fintech Council

With nearly two decades of experience at the intersection of the public and private sectors, Phil currently serves as Chief Executive Officer of the American Fintech Council (AFC), a leading industry association representing responsible financial technology (fintech) companies creating critical access to safe and affordable financial services. 

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