Nigel Fisher, Vice President of Product Management for Triad Financial, addresses the role of employment verifications at different stages in the credit life cycle. He discusses recent trends in auto loan delinquencies and how this credit cycle is different from the historical pattern. He describes best practices and effective techniques for getting the best results from the use of employment verifications, including effective methods for including automated employment verifications in workflow and measuring value of employment verifications for originating loans. Stacey Simpson, President of The Work Number, discusses different ways of obtaining information via The Work Number.