February brings hearts, connection… and unfortunately, an uptick in online romance scams. In this episode of A+You, Danielle and Amber welcome back their first-ever returning guest: Jacquie Twedt, Director of Operations at Affinity Plus Federal Credit Union.

Jacquie oversees payment operations and fraud monitoring—giving her a front‑row seat to how scammers operate, how they evolve, and how everyday people can protect themselves.

Together, the team breaks down:

• Why romance scams spike this time of year
• Common red flags—from moving too fast emotionally to asking for secrecy
• How scammers use emotional connection to manipulate victims
• Real examples of the tactics fraud networks use (including money‑mule schemes)
• Why anyone can fall victim, regardless of age, education, or experience
• How to protect yourself and your loved ones online
• How Affinity Plus monitors accounts and supports victims without judgment

This is an empowering, judgment‑free conversation designed to help you stay safe while still embracing genuine online connection.

Affinity Plus Federal Credit Union - federally insured by the NCUA