Elements Financial Federal Credit Union today announced its participation in the National Member Protection Initiative (NMPI), a collaborative industry program launched in partnership with Charm Security and Curql Collective to help credit unions strengthen how they protect members from scams and fraud.
Launching during the Federal Trade Commission’s National Consumer Protection Week, NMPI brings together forward-leaning credit unions committed to taking a proactive, leadership-driven approach to member protection. By joining the initiative, Elements Financial is reinforcing its commitment to member security, education, and innovation - alongside peers across the country.
Scams today are sophisticated, emotional, and constantly changing, which requires a more proactive and collaborative approach. By joining the National Member Protection Initiative, we’re strengthening our ability to learn from industry peers, explore modern solutions, and better support members during moments when they are most vulnerable.
Raising the Bar for Member Protection
Scams are no longer isolated transactional events - they are often long-running, highly manipulative schemes designed to exploit trust, urgency, and emotion. NMPI was created to help credit unions move faster together by sharing best practices, strengthening member education, and evaluating modern approaches to scam prevention, intervention, and support.
Through the initiative, participating credit unions collaborate with peers and gain exposure to emerging tools, insights, and operational models, in collaboration with Charm Security and Curql Collective, aimed at improving scam awareness, accelerating response, and supporting members during high-risk moments.
More About Elements Financial
Elements Financial is a diversified federal credit union offering a full suite of financial products, including mortgages, checking and savings accounts, auto loans, commercial services, and more. With more than $2.4 billion in assets and nearly 100,000 members across all 50 states and 50 countries, Elements is committed to helping people achieve lifelong financial wellness.
Founded through our original sponsor, Eli Lilly and Company, and serving employees of 150+ companies across Indiana and nationwide, Elements combines personalized service with modern convenience. Members have access to six Central Indiana branches, 5,000+ shared branches nationwide, up to 90,000 surcharge-free ATMs globally, and robust online and mobile banking services. Known for competitive rates and fewer fees, Elements puts members first. Learn more at elements.org. Federally insured by the NCUA
About the National Member Protection Initiative (NMPI)
The National Member Protection Initiative is a collaborative industry program designed to help credit unions advance AI-driven approaches to scam and fraud prevention. Launching during FTC National Consumer Protection Week, NMPI highlights credit unions that are stepping forward to lead the next chapter of member protection.
About Charm Security
Charm Security builds the Agentic AI Workforce for scam, fraud, and cybercrime prevention and resolution. Charm’s AI agents combine fraud and security expertise with behavioral psychology and a deep understanding of human vulnerabilities and exploit techniques to guide real-time prevention, intervention, and resolution in high-risk moments. Acting as expert teammates to fraud, financial crime, security, and customer-facing teams, Charm helps institutions reduce losses and operational costs while improving decision quality, speed, and overall effectiveness. www.charmsecurity.com
About Curql Collective
Curql is a collective of 160+ credit unions jointly investing in fintech, bringing timely solutions to the credit union industry. With a portfolio of 50+ fintech partners, Curql ensures that technology is designed specifically for credit unions, allowing them to better serve their members and remain competitive. www.curql.com
