Protecting Yourself from Identity Theft. Charlene L. Esaw Chief, Outreach and Student Programs Central Intelligence Agency (CIA) May 2009

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1 Protecting Yourself from Identity Theft Charlene L. Esaw Chief, Outreach and Student Programs Central Intelligence Agency (CIA) May 2009

2 How Many of You...? use an ATM machine use your credit card online to buy products and/or services use your smart phone to get information tear up your bills, letters, etc. before placing it in the trash

3 How Many of You...? have your mail delivered to your home participate in online surveys received a note from a company stating their data was breached have an social network site bank online

4 Identity Theft Defined Identity theft is a crime that occurs when someone uses your personal information, like your name, social security number, driver s license number, or credit card number, without your permission.

5 Types of Identity Theft Check Fraud Credit Card Fraud Financial Identity Theft Criminal Identity Theft Governmental Identity Theft Medical Identity Theft Synthetic Identity Theft

6 Facts and Stats The Federal Trade Commission estimates that as many as 9 million Americans have their identities stolen each year. In 2008, the Identity Theft Resource Center reported that only 2.4% of all breaches had encryption or other strong protection methods in use and only 8.5% of reported breaches had password protection.

7 Facts and Stats The top states in terms of victims per capita are: New York, California, Nevada, Arizona, Washington, and Texas. The U.S. Government Reform Committee reports that all 19 government departments and agencies reported at least one loss of personally identifiable information since January 2003.

8 All In Your Name Rent an apartment Obtain a credit card Establish a telephone or utilities account Obtain a drivers license Sell your information Facilitate crimes (illegal immigration, terrorism, espionage)

9 All In Your Name Take out a loan in your name File a fraudulent tax return Obtain employment Blackmail Assume your identity in daily life

10 All In Your Name Provide to police when apprehended for a crime Create counterfeit checks Open a bank account and write bade checks Obtain medical care or drugs

11 How Identity Theft Occurs Lost or Stolen Wallets or Laptops Pilfered Mail -mailing labels, credit cards Data Breach/Internal Security Failures - government registers, public records, third party vendor processes credit cards Viruses, Trojan Horses, Hacking, Security Loopholes, Spam

12 How Identity Theft Occurs Browsing social network sites for personal details Advertising bogus job offers Infiltration of organizations that store large amounts of personal information Shoulder surfing Changing your address

13 How Identity Theft Occurs Phishing -deceive consumers into providing information Rootkit hacker security tool that captures passwords and message traffic to and from a computer Dumpster Diving Cell Phones and Smart Phones Online Shopping and Banking

14 How to Protect Yourself Use a strong password --words, numbers and symbols. Keep passwords and PINS safe. Remember them if possible. Change passwords regularly. Shred your confidential information.

15 Cases of Identity Theft Over 40 million credit and debit card numbers were stolen from nine US retailers (BJ s, TJX, DSW Shoe, OfficeMax, Barnes & Noble, Boston Market, Sports Authority, and Forever 21).

16 Cases of Identity Theft On March 24, 2009, Heartland Payment Systems disclosed that intruders hacked into the computers it uses to process 100 million payment card transactions per month for 175,000 merchants. In March 2009, ForchtBank in Kentucky issued replacement debit cards to 8,500 customers, due to reports of fraudulent card activity.

17 Cases of Identity Theft A Trojan horse program stole more than 1.6 million records belonging to several hundred thousand people from Monster Worldwide Inc s job search service. On April 1, 2009, Delta Airlines posted on their site an alert that fraudulent checks, purporting to be from Delta had been sent to consumers.

18 How to Protect Yourself Don t open s or attachments from unknown sources. Back up your computer data and disks or CDs regularly to include wireless devices. Ask organizations you do business with how they handle confidential information.

19 How to Protect Yourself Never go to a website from a link in an . Disconnect from the Internet when not in use. Don t share access to your computers with strangers.

20 How to Protect Yourself Use firewalls to create a protective wall between you and the outside world Regularly download security updates and patches for operating systems and other software. Always access internet banking by typing the bank s address into your web browser.

21 How to Protect Yourself Be wary of unsolicited s or calls asking you to disclose any personal details or card numbers. Don t give out too much personal information year of birth, home address, family member names. Don t participate in online surveys.

22 How to Protect Yourself Check your credit with the three credit bureaus annually. Consider getting a post office box. Don t put mail in your mailbox for pickup.

23 How to Protect Yourself Don t take your personal cell phone overseas. Rent one when you get there. Buy gift cards to make purchases online. Check and reconcile your statements when they arrive. Consider identify theft protection like LifeLock.

24 Resources Identity Theft Resource Center (ITRC) Federal Trade Commission (FTC)

25 Thank You! Please visit our website at

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