THE CITY OF. I0 D T Nr GCL ES rt WAS HI NG TON U IDENTITY THEFT PREVENTION PROGRAM

Transcription

1 THE CITY OF I0 D T Nr GCL ES rt WAS HI NG TON U S IDENTITY THEFT PREVENTION PROGRAM Purpos This Intity Thft Prvntion Program is sign to ai in th ttion prvntion an mitigation of intity thft in onntion with th opning of a Covr Aount or an xisting Covr Aount an to provi for ontinu aministration of th Program in omplian th Co of Fral Rgulations implmnting Stions 114 an 315 of th Fair an Aurat Crit Transations At FACTA of2003 with Part 681 of Titl 16 of Dfinitions 1 For purposs of this Program th trm Intity Thft mans afrau ommitt or attmpt using th intifying information ofanothr prson without authority 2 For purposs of this Program th trm Covr Aount mans 1 an aount that a finanial institution or ritor offrs or maintains primarily for prsonal family or houshol purposs that involvs or is sign to prmit multipl paymnts or transations suh as arit ar aount mortgag loan automobil loan margin aount ll phon aount utility aount hking aount or savings aount an 2 any othr aount that th finanial institution or ritor offrs or maintains for whih thr is a rasonably forsabl risk to ustomrs or to th safty ofth finanial institution or ritor from intity thft inluing finanial oprational omplian rputation or litigation risks an sounnss 3 For purposs ofthis Program th trm R Flag mans a pattrn prati or spifi ativity that iniats th possibl xistn of intity thft 4 For purposs of this Program th trm Intifying Information mans nam or any numbr that may b us alon or with any othr information to intify a spifi prson this inlus nam soial surity numbr at ofbirth offal stat or govrnmnt issu rivr s lins or intifiation numbr alin rgistration numbr govrnmnt passport an mployr intifiation numbr or tax 1

2 Th Program This Program inlus pols an prours to 1 Intify rlvant r flags for ovr aounts 2 Dtt r flags 3 Rspon appropriatly to any r flags that ar tt to prvnt an mitigat intity thft 4 Ensur th Program is upat prioially to rflt hangs in risks to ustomrs an to th safty an sounnss of th ritor from intity thft Th program shall as appropriat inorporat xisting pols an prours that ontrol rasonably forsabl risks an 5 Provi for ontinu aministration of th Program Intifiation of Rlvant R Flags Th following vnts ourrns rasonably iniat th potntial for intity thft an ar onsir R Flags for purposs ofthis program 1 Alrts notifiations or othr warnings riv from onsumr rporting agnis or srvi provirs suh as frau ttion srvis a A frau or ativ uty alrt is inlu with aonsumr rport b A onsumr rporting agny provis a noti ofrit frz in rspons to a rqust for a onsumr rport A onsumr rporting agny provis a noti ofarss isrpany A onsumr rport iniats a pattrn of ativity that is inonsistnt with th history an usual pattrn of ativity ofan appliant or ustomr suh as i A rnt an signifiant inras in th volum of inquiris An unusual numbr ofrntly stablish rit rlationships 111 A matrial hang in th us ofrit spially with rspt to rntly stablish IV rit rlationships or An aount that was los for aus or intifi for abus of aount privilgs by a finanial institution or ritor 2 Th prsntation of suspous oumnts suh as a Doumnts provi for intifiation appar to hav bn altr or forg b Th photograph or physial sription on th intifiation is not onsistnt with th apparan ofth appliant or ustomr prsnting th intifiation Othr information on th intifiation is not onsistnt with information provi by th prson opning a nw ovr aount or ustomr prsnting th intifiation Othr information on th intifiation is not onsistnt with raily assibl information that is on fil An appliation appars to hav bn altr or forg or givs th apparan ofhaving bn stroy an rassmbl 3 Th prsntation of suspous prsonal intifying information suh as a Prsonal intifying information provi is inonsistnt whn ompar against xtrnal information sours us by th City of Port Angls i Th arss os not math any arss in th onsumr rport or Th Soial Surity Numbr SSN has not bn issu or is list on th Soial Surity Aministration s Dath Mastr Fil 2

3 b Prsonal intifying information provi by th ustomr is not onsistnt with othr prsonal intifying information provi by th ustomr For xampl orrlation btwn th SSN rang an at ofbirth thr is alak of Prsonal intifying information provi is assoiat with known frauulnt ativity as iniat by intrnal or thir party sours us by th City of Port Angls For xampl i Th arss on an appliation is th sam as th arss provi on a frauulnt appliation or 11 Th phon numbr on an appliation is th sam as th numbr provi on a frauulnt appliation Prsonal intifying information provi is of a typ ommonly assoiat with frauulnt ativity as iniat by intrnal or thir party sours us by th City ofport Angls For xampl i Th arss on an appliation is fititious a mail rop or a prison or Phon numbr is invali or is assoiat with a pagr or answring srvi Th SSN provi is th sam as that submitt by othr prsons opning ustomrs an aount or othr f Th arss or tlphon numbr provi is th sam as or similar to th aount numbr or g h tlphon numbr submitt by an unusually larg numbr ofothr prsons opning aounts or othr ustomrs Th prson opning th ovr aount or th ustomr fails to provi all rquir prsonal intifying information on an appliation or in rspons to notifiation that th appliation is inomplt Prsonal intifying information provi is not onsistnt with prsonal intifying information that is on fil with th City of Port Angls 1 Ifth City ofport Angls uss hallng qustions th prson opning th ovr aount or th ustomr annot provi authntiating information byon that whih gnrally woul b availabl from a wallt or onsumr rport 4 Th unusual us of or othr suspous ativity rlat to a ovr aount a Shortly following th noti ofa hang of arss for aovr aount th City of Port Angls rivs a rqust for th aition of authoriz usrs on th aount b Th ustomr fails to mak th first paymnt or maks an initial paymnt but no subsqunt paymnts A ovr aount is us in amannrthat is not onsistnt with stablish pattrns of ativity on th aount Thr is for xampl i Nonpaymnt whn thr is no history of lat or miss paymnts A matrial inras in th us of availabl rit i A matrial hang in purhasing or spning pattrns A ovr aount that has bn inativ for a rasonably lngthy prio taking into onsiration th typ of aount th xpt pattrn of usag rlvant fators oftim is us an othr Mail snt to th ustomr is rturn rpatly as unlivrabl although transations ontinu to b onut in onntion with th ustomr s ovr aount f Th City of Port Angls is notifi that th ustomr is not riving papr aount statmnts g Th City of Port Angls is notifi of unauthoriz hargs or transations in onntion with a ustomr s ovr aount 3

4 5 Noti from ustomrs vitims of intity thft law nformnt authoritis or othr prsons rgaring possibl intity thft in onntion with ovr aounts hl by th City of Port Angls a Th City of Port Angls is notifi by a ustomr avitim of intity thft alaw nformnt authority or any othr prson that it has opn a frauulnt aount for a prson ngag in intity thft Dttion Prvntion an Mitigation 1 Dttion In an ffort to nsur propr ttion of any R Flags all ustomrs onsumrs must provi at last th following informationoumntation bfor any nw ovr aount will b opn a Full Nam b Dat of birth iniviual Arss a rsintial or businss strt arss for an iniviual for an iniviual who os not hav a rsintial or businss strt arss an Army Post Offi APO or Flt Post Offi FPO box numbr or th rsintial or businss strt arss of nxt of kin or ofanothr ontat iniviual or for a prson othr than an iniviual suh as a orporation partnrship or trust a prinipal pla of businss loal offi or othr physial loation an Intifiation numbr whih shall b i For au S prson a taxpayr intifiation numbr or govrnmnt issu photo ID or For anon U S prson on or mor ofth following a taxpayr intifiation numbr passport numbr an ountry intifiation ar numbr or numbr an ountry ofissuan of any othr govrnmnt issu oumnt vining nationality or rsin an baring a or photograph similar safguar ofissuan alin For any aount holr ofa ovr aount for whih th abov information is not on alray fil at th City of Port Angls th ustomr will b ontat within arasonabl prio of tim aftr isovring th missing information to obtain th nssary information 2 Prvnting an Mitigating Intity Thft In th vnt a R Flag is tt th City of Port Angls will tak rasonabl stps to prvnt th ourrn of intity thft to mitigat any harm aus thrby In orr to rspon appropriatly to th ttion of a R Flag th City of Port Angls shall onsir any aggravating irumstan s that may hightn th risk of intity thft Aftr assssing th gr ofrisk pos th City of Port Angls will rspon to th R Flag in an appropriat mannr whih may inlu a b Monitoring a ovr aount for vin of intity thft Contating th ustomr Changing any passwors surity os or othr surity vis that prmit ass to a ovr aount Ropning aovr aount with anw aount numbr Not opning anw ovr aount f Closing an xisting ovr aount 4

5 g h Not attmpting to ollt on aovr aount or not slling aovr aount to a bt olltor Notifying law nformnt or 1 Dtrmining that no rspons is warrant unr th partiular irumstans Ror rtntion aras ontaining oumnts with snsitiv intifying information will b lok whn not in us Dsks work aras printrs an fax mahins will b lar of all oumnts ontaining snsitiv intifying information whn not in us Rors will b ispos ofin aoran with stat an fral law All ltronially stor intifying information will b stor in a sur nvironmnt Ass into th systm ontaining intifying information rquirs a passwor Th systm will automatially isabl th passwor aftr th signat numbr of unsussful login attmpts Only th Systm Aministrator an rissu anothr passwor Upon trmination mploy passwors ar immiatly isabl Upating th Program This Program shall b upat prioially to rflt hangs in risks to ustomrs ofth City of Port Angls from intity thft bas on fators suh as 1 Th xprins of th City ofport Angls with intity thft 2 Changs in mthos of intity thft 3 Changs in mthos to tt prvnt an mitigat intity thft 4 Changs in th typs of aounts that th City ofport Angls offrs or maintains or 5 Changs in th businss arrangmnts ofth City ofport Angls inluing mrgrs aquisitions allians joint vnturs an srvi provir arrangmnts Aministration ofth Program Th City Trasurr is rsponsibl for implmntation an aministration ofth Program Th City Trasurr will rport to Counil at last annually on omplian by th City of Port Angls with th Program Th rport shall arss matrial mattrs rlat to th Program an valuat th fftivnss of th pols an prours in arssing th risk of intity thft in onntion with th opning of ovr aounts an with rspt to xisting ovr aounts Th City Counil will approv any matrial hangs to th Program as nssary to arss hanging intity thft risks Ovrsight of Srvi Provir Arrangmnts Th City ofport Angls shall tak stps to nsur that th ativity ofasrvi provir is onut in aoran with rasonabl pols an prours sign to tt prvnt an mitigat th risk of intity thft whnvr th City ofport Angls ngags asrvi provir to prform an ativity in onntion with on or mor ovr aounts 5

6 Dutis Rgaring Arss Disrpanis A noti of arss isrpany is anoti snt to th City by a onsumr rporting agny that informs us of asubstantial iffrn btwn th arss for th onsumr that w provi to rqust th onsumr rport an th arsss in th agny s fil for th onsumr Th City of Port Angls may us th following mans to onfirm that arit rport it was rqust if th City of Port Angls rivs anoti of arss isrpany onsumrrporting agny 1 Vrifiation ofth arss with th onsumr 2 Rviw ofth utility s rors 3 Vrifiation ofth arss through thir party 4 Othr rasonabl mans sours or rlats to th onsumr for whom from a nationwi 6