OceanAir Federal Credit Union Teams Up with Carefull to Protect Members from Fraud and Scams

OceanAir Federal Credit Union has announced a new partnership with Carefull, the first financial safety platform purpose-built to protect older adults from scams, fraud, and money mistakes. The collaboration reflects OceanAir’s mission to empower members along their financial journey by offering personalized and innovative services, especially for vulnerable members like older adults. 

“At OceanAir, we’re committed to making financial services not only accessible but also safe and intuitive—especially for those who may be more vulnerable to fraud,” said Stephanie Garrison, Chief Risk Officer at OceanAir Federal Credit Union. “Through OceanAir’s partnership with Carefull, members can better manage their finances, protect themselves against consistently emerging fraud, and designate trusted contacts who can also review transaction activity and intervene if they feel their loved one is at risk. This proactive approach not only protects members but also reinforces our commitment to personalized service and community trust.”

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OceanAir’s decision to partner with Carefull comes at a time when elder financial fraud is costing Americans up to $64 billion a year, with scams becoming increasingly sophisticated and emotionally manipulative. “Fraudsters are getting better at relationship-built scams—things like romance scams or fake friendships designed to exploit loneliness,” Garrison said. “What stood out about Carefull was how member-driven it is. It puts education and control directly in our members’ hands helping them be proactive against threats.”

With increased regulatory scrutiny and growing pressure on financial institutions to prevent elder financial abuse, OceanAir also sees this partnership as a simple, scalable way to demonstrate leadership in member protection. “This platform not only helps us identify elder abuse, but more importantly, it gives members the tools and resources they need to understand the threats fraudsters pose and how to protect themselves,” Garrison added.

“We built Carefull to empower both financial institutions and their customers to get ahead of financial threats—not just react after harm has been done,” said Todd Rovak, Co-Founder of Carefull. “By giving OceanAir members real-time alerts, educational resources, and family support tools, we’re helping create a safety net that scales across the entire community.”

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“Credit unions like OceanAir are leading the way in making financial safety part of the member experience,” Rovak added. “It’s not just about fraud detection—it’s about deepening trust and giving members more confidence in their financial lives. We are excited to see other credit unions in California, and across the country, protecting their members.”

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Ready to see how Carefull can protect your members and grow deposits? Request a demo today.