Identity Theft. The Most Pervasive Financial Crime Today. Presented by; Wells Fargo Corporate Security. Wells Fargo All Rights Reserved 1
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1 Identity Theft The Most Pervasive Financial Crime Today Presented by; Wells Fargo Corporate Security Wells Fargo All Rights Reserved 1
2 It s so very simple to be anyone you please, on any given morning you awake. James Rinaldo Jackson After this session, you will: Know that Identity Theft is a Global and National Problem; Understand what Identity Theft is; How Identity Theft happens; How the stolen identity is used; How to prevent Identity Theft; What to do if you are a victim of Identity Theft; Wells Fargo All Rights Reserved 2
3 Global and National Problem $221bn worldwide 1 300% Increase over 2002 If the growth rate continues 2005 losses could 1 amount to $2trn million identity theft victims in the US 2 (Jan Dec 2004) 2004 $52.6 Billion in losses (US Victims and 2 Business) One half of identity thieves are relatives and 3 neighbors of the victims. 68% of victims spend 9 hours or less to resolve 3 their issue Wells Fargo All Rights Reserved 3
4 Top 10 Identity Theft States Victims per 100,000 population 1. Arizona Nevada California Texas Florida Colorado New York Washington Oregon Illinois Wells Fargo All Rights Reserved 4
5 What is Identity Theft Identity Theft is the criminal act of assuming the identity of another person or business with the expectation of gain. The gain is normally financial. (Chertoff, Assistant US Attorney 2002) The use of a real persons: Name (Person or Business) Social Security Number (Person) Address (Person or Business) Date of Birth (Person) Mother s maiden name (Person) Wells Fargo All Rights Reserved 5
6 What it is not It is not white collar crime White-collar crimes (a term coined by Edwin Sutherland in 1939) or Business crimes are those crimes specifically performed by white collar employees. They include fraud and bankruptcy fraud, bribery, insider trading, embezzlement, computer crime and forgery. It is not identity fraud Identity fraud is the creation of a new identity a new person as opposed to stealing an existing identity. Wells Fargo All Rights Reserved 6
7 Myths 1. All identity theft is done electronically over the internet. 68.2% is done the old fashion way 11.6% is obtained online. 2. Your financial institution will call you or you and ask for identifying information. Your financial institution will not call you because they have your information Wells Fargo All Rights Reserved 7
8 How ID thieves get your info2 Stealing your wallet, day-planner, purse with your identification inside. 28.8% Friends and acquaintances 11.4% Accessed as part of an offline transaction 8.69% Corrupt employees 8.7% Stolen mail/fraudulent change of address 8% Taken from the garbage (dumpster diving) 2.6% Online 11.6% Wells Fargo All Rights Reserved 8
9 Two Worlds Physical World Mail Theft Pickpocketing Insiders Typically result in New Account fraud and Check Forgery. Digital World Unauthorized online checking account transfers; Illegal online credit card purchases; Typically are the result of a theft of ELECTRONIC information. Wells Fargo All Rights Reserved 9
10 Phishing (Definition) Phishing (fish ing) The act of sending an to a user falsely claiming to be an established legitimate enterprise in an attempt to scam the user into surrendering private information that will be used for identity theft. The directs the user to visit a web site where they are asked to update personal information, such as passwords, PIN s and credit/debit card, social security, and bank account numbers, that the legitimate organization already has. The web sit, however, is bogus and set up only to steal the user s information. Don t get Hooked! Wells Fargo All Rights Reserved 10
11 Phishing Phishing has quickly become a major threat to internet & users How it works: Somebody masquerading as a legitimate business attempting to gather customer identity information via the Internet A spoofed message that appears to be from a legitimate business provides a call to action (via or web link) The user is asked to enter personal information into a bogus Web form The form captures the customer s user name and password or credit card /ATM and PIN The fraudster transfers funds from an online banking account Wells Fargo All Rights Reserved 11
12 How Phishing Works Spoofed Address com) Not an ebay URL href=" Yjkimgd234dgdfhfnbjghuiiqrfgfdhgj gtwdfdbhjiuebnkuod5fetnuo3243 Wells Fargo All Rights Reserved 12
13 How they use the information Credit Card Address change Order new Utilities Phone and/or mobile phone Electric and Gas companies Cable/Satellite Open bank accounts -checking Loans Home Equity Student Car Personal Etc. Wells Fargo All Rights Reserved 13
14 Prevention First work with your IT, legal and HR departments Perform background checks Develop an encryption system Upgrade company ID cards If you are, stop using Social Security Numbers Perform due diligence on business partners, customers, and suppliers Let customers opt out Shred all discarded confidential information Suggest to your employees Wells Fargo All Rights Reserved 14
15 Which of the following security threats concern you most? Computer virus attacks 86% Theft of customer data 43% Decline in employee productivity 37% Theft of employee ID/passwords 34% Theft of financial assets 23% Disruption of E-business activities 21% Negative Publicity 11% Disruption to on-line sales 10% Wells Fargo All Rights Reserved 15
16 What is the worst case scenario for your company in the wake of a computer security breach? Hampers internal operations 30% Results in some financial loss 29% Results in severe financial loss 14% Weakens our competitive advantage 12% Poses an inconvenience 7% Puts us out of business 4% Results in government penalties 4% Wells Fargo All Rights Reserved 16
17 Online vs. Paper 3 Victims detect identity fraud in the majority of cases, 54% of the time. Paper statement review correlated to a mean time of detection of 114 days Online mean detection time was 18 days Paper statement losses = $4543 per incident Online losses = $551 per incident 2004 case analysis and FTC recommend that consumers where possible Cancel paper bills and statements wherever possible Pay bills on line Monitor account balances electronically (at least once per week) Use based account alerts Wells Fargo All Rights Reserved 17
18 WHAT TO DO! Identity Theft Assistance ITAC (Identity Theft Assistance Corporation) working together Going it alone - Buy a giant 3 ring binder! Contact law enforcement Contact the 3 major credit bureaus Contact your financial institutions Contact your creditors Contact the fraud units and request copies Documentation related to accounts Contracts Statements or transactions Signatures Keep all copies for law enforcement Wells Fargo All Rights Reserved 18
19 Review of today s discussion: We now know the size and scope of Identity Theft and that it is a Global and National Problem; We have defined identity theft; We have identified how Identity Theft happens and how the stolen identity is used; We have suggested how to prevent Identity Theft and what to do if you are a victim of Identity Theft; Wells Fargo All Rights Reserved 19
20 It s Free!! Free Annual Credit Report Wells Fargo All Rights Reserved 20
21 Criminal Identity Theft Police from Florida contacted my parents trying to find my brother. Apparently the man who stole his ID had murdered two women. One was found in a trunk in Florida. My brother was now wanted for murder. Wells Fargo All Rights Reserved 21
22 With an older population Florida residents are prime targets for identity theft scams. If they don t choose to listen to the advice, then they ve got a good shot at being abused. Tom Gallaghar Florida State CFO Wells Fargo All Rights Reserved 22
23 Thank You Well, as many people have told me, my destiny lies in hell, where of course I will just take over some poor sap s identity and then go to heaven. - Video Vindicator, in ID Hopping Wells Fargo All Rights Reserved 23
24 References Gerard, Hillison, and Pacini, Identity Theft: The US Legal Environment and Organisations Related Responsibilities National and State Trends in Fraud and Identity Theft, Federal Trade Commission Identity Fraud Survey Report: Javelin Strategy & Research Wells Fargo All Rights Reserved 24
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