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Identity Theft

Identity Theft

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Identity Theft

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  1. Identity Theft

  2. Chris Brunsman Senior Investigator Retriever Payment Systems 281-376-3399 x1183 cbrunsman@rpsionline.com

  3. What is identity theft? The identity thief gets hold of a piece of your personal information without your knowledge and intends to commit fraud or theft. The sky is the limit! The thief is limited only by his imagination.

  4. Why is identity theft so appealing to the criminal mind? • Armed robbery comes with stiff jail time where id theft has very short sentences (if any) • Most companies will not prosecute if the loss is below $10,000 • Federal agencies will not necessarily take the case unless the loss is over $25,000 • Local law enforcement typically do not know how to pursue the case or they have so many cases that they cannot work them all • Anonymity

  5. What kind of information is the identity theft looking for? • Bank Account Numbers • Credit Card Numbers • Income Information • Social Security Number • Name • Address • Phone Numbers

  6. Can you completely prevent identity theft? If someone really wants to steal your identity, they probably will. The key is to minimize your risk by managing your personal information more cautiously. A thief will likely move on to a different victim if your identity is harder to steal.

  7. Theft of wallets and purses Mail theft Dumpster diving Illegally obtaining a credit bureau report Hacking Business records theft Medical records theft Email and phone scams-419 Home burglary The internet How do thieves get your information?

  8. Call credit card issuers and change your address Open new credit cards Purchase a cell phone Open new bank accounts Buy cars Open merchant accounts File bankruptcy once they have maxed out your credit Pass counterfeit checks or use debit cards to drain your accounts Arrest warrants in your name Sell property that they do not own How do identity thieves cash in?

  9. What you can do today! • Order copies of your credit report from all three credit reporting agencies • Call creditors and banks and put passwords on any accounts that you can – Don’t use easily obtainable information like your mother’s maiden name, phone number, birthday, family member’s names, or the last 4 digits of your social security number • Keep your personal information safe (even in your home)

  10. Order a copy of your credit bureau reports from all 3 credit reporting agencies every year Do not give personal information out over the phone or over the internet unless you are sure that it is secure and you know who your are dealing with Guard your mail and trash (shred anything with a number on it and drop your mail at the Post Office) Keep your purse or wallet in a secure place at work Beware of promotional scams Respect information security!

  11. Respect information security! • Do not provide personal information until you verify that your information is kept secure and will not be sold • Do not carry your social security card with you – leave it in a secure place • Give your SSN out only when absolutely necessary • Carry only the cards and identifying info that you need • Pay attention to your billing cycles and follow up immediately if they do not come on time

  12. Last, but not least… your computer! • Do not download files sent to you by strangers or click on hyperlinks from people you do not know • Do not download files or click on hyperlinks from friends if the content does not seem like the person you know • Use a secure browser that encrypts or scrambles information that you send over the internet • Update your virus protection software frequently • Use a firewall program

  13. Last, but not least… your computer! • Watch for website privacy policies • Use a secure browser that encrypts or scrambles information that you send over the internet • Do not sent personal information via email • Before you dispose of a computer, use a utility program to wipe the hard drive • Do not store personal or financial information on a laptop • Do not use wireless connections

  14. Would the geeks please stand up?

  15. Trojan Horses

  16. Trojan Horses

  17. Wireless and Sniffing

  18. Internet Chat Rooms 04:55:16 COCO_JAA: !cc 04:55:23 {Chk}: 0,19(0 COCO_JAA 9)0 CC for U :4,1 Bob Johns|P. O. Box 126|Wendel, CA 25631|United States|510-863-4884|4407070000588951 06/05 (All This ccs update everyday From My Hacked shopping Database - You must regular come here for got all this ccs) 8*** 9(11 TraDecS Chk_Bot FoR #goldcard9) 04:55:42 COCO_JAA: !cclimit 4407070000588951 04:55:46 {Chk}: 0,19(0 COCO_JAA 9)0 Limit for Ur MasterCard (5407070000788951) : 0.881 $ (This Doesn't Mean Its Valid) 4*** 0(11 TraDecS Chk_bot FoR #channel) 04:56:55 COCO_JAA: !cardablesite 04:57:22 COCO_JAA: !cardable electronics 04:57:27 {Chk}: 0,19(0 COCO_JAA 9)0 Site where you can card electronics : *** 9(11 TraDecS Chk_bot FoR #goldcard9) 04:58:09 COCO_JAA: !cclimit 4234294391131136 04:58:12 {Chk}: 0,19(0 COCO_JAA 9)0 Limit for Ur Visa (4264294291131136) : 9.697 $ (This Doesn't Mean Its Valid) 4*** 0(11 TraDecS Chk_bot FoR #channel)

  19. Internet Chat Rooms • mocha: !cc • {Chk}: (mocha) CC for U :Eileen Jones|P. O. Box 122|Wendel, PA 15691|United States|724-555-4884|5407070000788952 06/05 (All This ccs update everyday From My Hacked shopping Database - You must regular come here for got all this ccs) 8*** (TraDecS Chk_Bot FoR #aucard9) • mocha: !cclimit 5407070000788952 • {Chk}: (mocha)Limit for Ur MasterCard (5407070000788952) : 0.881 $ (This Doesn't Mean Its Valid) (TraDecS Chk_bot FoR #channel) • mocha: !cardablesite • mocha: !cardable electronics • {Chk}: (mocha) Site where you can card electronics : *** (TraDecS Chk_bot FoR #aucard9) • mocha: !cclimit 4264294291131137 • {Chk}: (mocha) Limit for Ur Visa (4264294291131137) : 9.697 $ (This Doesn't Mean Its Valid) (TraDecS Chk_bot FoR #channel) • mocha: !cclimit 4264294291139747 • {Chk}: (mocha) Limit for Ur Visa (4264294291139747) : 9.697 $ (This Doesn't Mean Its Valid) (TraDecS Chk_bot FoR #channel)

  20. Insiders - Skimmers

  21. Insiders – Keyboard Recording

  22. Insiders – Keyboard Recording

  23. Features: • Pocket-sized for easy transportability • Protective plug-in cap • Plug-and-play USB technology • Works on latest operating systems supporting USB (drivers are required for Windows 98) • Support for File/Drive Compression on compatible operating systems Insider - USB Data Storage Devices

  24. Be proactive! • Opt out of pre-screened credit offers and marketing lists with all three credit reporting agencies • Add consumer statements to your credit bureaus insisting on checking additional identifying information before extending credit • Watch and be aware when your credit card leaves your site

  25. If you are a victim… • Contact the fraud departments for all 3 credit reporting agencies • Close all accounts that you feel may have been compromised (Credit Cards, ATM Cards, Checks) • File a police report • Call the FTC’s ID Theft Hotline 877-IDTHEFT • Keep notes on every step that you take – record names, phone numbers, etc.

  26. Chris Brunsman Senior Investigator Retriever Payment Systems 281-376-3399 x1183 cbrunsman@rpsionline.com