Victims of ID theft suffer much anguish Nearly a billion
records were compromised in 2014 20 incidents exposed one million
records in each instance PII (Name, DOB, SSN) is easier to sell
than credit card/banking information
http://www.csoonline.com/article/2847269/business-continuity/nearly-a-billion-records-were-compromised-in-2014.html
1 in 5 Americans had Credit Card/Banking/SSN stolen in 2014
http://thinkprogress.org/home/2014/04/15/3426781/1-in-5-americans-have-had-their-social-security-number-or-credit-card-info-stolen/
50% of identity theft victims knew the person responsible for the
theft Affects 10-16 million Americans annually Takes an average of
6 months and 220 hours to resolve
http://www.identityhawk.com/identity-theft-recovery-timehttp://www.identityhawk.com/identity-theft-recovery-time
Slide 3
Every 19 minutes a person becomes a victim by: Email Phishing
Credit/debit card information stolen at stores, restaurants by
hacking or skimming
https://www.youtube.com/watch?v=U0w_ktMotlo&list=PLE979CF662C9EB337
Social media - Bad guys start to put together a jigsaw puzzle of
your life with personal information. Phone scams Remote access
provides cybercriminals with unlimited access to anything in your
computer
http://www.trusteer.com/glossary/remote-access-trojan-rat
Slide 4
Consequences Go to jail for someone elses crime IRS notifies
you more than one tax return was filed under your name Credit can
be ruined Bankruptcy filed in your name Difficulty getting loans or
credit cards Citations Rental vehicles damaged/stolen Student loans
taken in your name Higher interest rates Merchants refuse checks
Debt collectors start calling Medical Identity Theft Thiefs medical
information gets in your file (blood type, allergies, illnesses)
Health claim refused because you have reached limit
Slide 5
Signs Your Identity Has Been Stolen A Sudden Increase in an
Account Balance Your Credit Card is declined Your Credit Score
Drops Mysterious New Account on credit report Debt collectors are
calling
Slide 6
How to prevent Teach children as well Never give personal
information over email/phone Dont put birthday on social media or
PII to create a profile Update anti-virus software weekly on
computer and smartphone Keep/protect separate passwords for each
account Pick up mail in unlocked box daily Get free credit report
annually from each of 3 credit reporting bureaus. Request one free
report get one every 4 months Place outgoing mail in secure
mailbox
Slide 7
Prevention, Part 2 Stop getting pre-approval credit cards or
loan offers in the mail. Remove name from marketing lists of 3
credit reporting agencies and call 1-888-5-OPTOUT or go to
www.optoutprescreen.com to remove you from marketing
lists.www.optoutprescreen.com Shred credit card offers (cross-cut
shredder) Cut up expired or credit cards you dont use Keep an eye
on credit reports Keep an eye on bank and credit card statements at
least weekly Never keep your SS card in your wallet Never use
password on an unsecured Wi-Fi Ask if there are options other than
providing SSN as PII
http://blog.credit.com/2013/03/5-places-where-you-should-never-give-your-social-security-number-
65328/
Slide 8
What to do if your Identity is stolen or banking/credit card
information was accessed at Target, Home Depot, PF Changs, JP
Morgan Chase, ETC. Security Freeze on Credit Report, small fee to
initiate and remove if you need a credit check Protect my ID.com
Apply for a new social security number Get V on back of drivers
license
Slide 9
What to do, part 2 Call credit reporting companies and place a
fraud alert on credit reports associated with your Social Security
number. Dispute Fraudulent charges Have any account that has been
tampered with or opened fraudulently closed immediately. Contact
your local police and/or the police department in the community
where the identity theft took place and file a report. Contact the
Federal Trade Commission and file an official complaint.
Antivirus software can only protect you from known viruses
Kaspersky Lab is detecting 315,000 new malicious files every day
http://www.kaspersky.com/about/news/virus/2013/number-of-the-year
Slide 12
Phishing scams Never disclose your financial or personal
information in response to an unsolicited e-mail regardless of who
sent it. If you get an email or phone call asking for personal
information, it is a scam 100% guaranteed Call the institution
directly if you have a concern (do not call the number they provide
in the email. Look it up yourself.) Never click on a link embedded
in an unsolicited e-mail, regardless of who sent it. Verify the
authenticity of a website before entering financial or personal
information via that website
Slide 13
Google Malware stealing emails and accessing Google documents
and any account with same password
http://www.cnbc.com/id/101668517#.
http://www.cnbc.com/id/101668517# The scam starts with an email
that claims to be sent by Google with the phrase "Mail Notice" or
"Lookout Notice" as the subject. The message in the email reads:
"This is a reminder that your email will be locked out in 24 hours,
due to not being able to increase your email storage quota. Go to
the INSTANT INCREASE to increase your Email storage automatically."
A link then redirects the user to a bogus Google login page where
the user is prompted to put in their credentials. Once the hackers
receive the credentials they have access to not just a victim's
email, but to all Google documents, Google Play, Google+ and if the
person uses the same login information for multiple sites, the
hacker will also have access to those.
Slide 14
Pharming Scams Pharmers redirect Internet users from legitimate
commercial websites to counterfeit web pages to trick them to
disclose their vital financial and personal information
Slide 15
Check the URL even if you typed name in The URL is also a great
place to check. Always ensure that, once the page has loaded, that
the URL is spelt correctly and hasnt redirected to a slightly
different spelling, perhaps with additional letters or with the
letters swapped around. Make sure the URL has http(s) and padlock
on bottom of page
Slide 16
Holding your computer hostage for money
http://krqe.com/2015/02/04/ransomware-rakes-in-millions-from-average-computer-users/
They have already stolen all your files Paying does not guarantee
you will get it back or that it wont happen again Using your credit
card only compounds your problem
Slide 17
Phone fraudsters recycle approach
http://www.abqjournal.com/531300/biz/phone-fraudsters-recycle-approach.html
http://www.abqjournal.com/531300/biz/phone-fraudsters-recycle-approach.html
Calls representing IRS, threatening arrest if you dont send money
immediately. IRS does not email or call. Calls representing police
departments regarding taking care of warrants by phone payments
Calls stating you missed jury duty. Call 841-8141 re: Jury duty
questions Family member has been kidnapped demanding money for safe
return. Calls made from a disposable cell
Slide 18
Child/Student Identity Theft on the Rise Goes undetected for
years
http://www.equifax.com/specs/child-identity-protection-kit/child-kit.pdf
http://www.equifax.com/specs/child-identity-protection-kit/child-kit.pdf
Use the childs SSN as the family SSN due to the inability of a
parent to get a SSN Pay off debt and create new lines of credit
Avoid a criminal record on the perpetrators file Avoid a medical
record with the perpetrators file information (perhaps for
insurance purposes or to hide a medical condition) Fraudulently
receive welfare, unemployment or medical benefits
Slide 19
College students on scammers radar FBI warns of fictitious
Work-From-Home Scam Targeting University Students
http://www.ic3.gov/media/2015/150113-1.aspx If a job offer sounds
too good to be true, it probably is Never accept a job that
requires the depositing of funds into your account and wiring them
to different accounts Never provide credentials, passwords or
personal information in response to a recruitment email Forward
emails to [email protected] and warn your friends to be on the lookout
for the [email protected]
Slide 20
I ate Thanksgiving with my Identity Thief for 19 years
http://time.com/money/3607328/identity-theft-i-ate-thanksgiving-dinner-with-my-identity-thief-for-19-years/?xid=time_readnext
Slide 21
Mans ID stolen by killer, with lingering effects
http://www.abqjournal.com/524390/biz/bogus-health-fitness-claims-should-raise-red-flags.html
http://www.abqjournal.com/524390/biz/bogus-health-fitness-claims-should-raise-red-flags.html
Ted Bundy was also an identity thief Victim had to prove he was not
Ted Bundy even after he was put to death
Slide 22
Scammed BBB president shares lessons learned
http://www.abqjournal.com/506835/biz/bbb-chief-falls-prey-to-intrusion.html
http://www.abqjournal.com/506835/biz/bbb-chief-falls-prey-to-intrusion.html
Was closing on a Farmington building the BBB was donating to Big
Brothers Big Sisters Received email from Big Brothers email titled
Kindly Review the Attached Document. Clicked the attachment which
was blank. Prompted him to provide Google email username/password.
He complied. Big mistake. Once in his email, hackers sent the
identical bogus email to any person the BBB chiefs ever sent email
The point was to get into thousands of emails quickly to steal
personal information, bank and cc accounts Contained his usual
signature but an incorrect phone number so if his contacts
suspected something about the email, they would get a wrong number.
Set up filters so that all responding emails would go directly to
trash. Lessons learned: Do not store personal information on your
email Do not let your guard down or logon information even if email
seems to be from someone you know
Slide 23
Protect Passport/CC/Cash RFID Blocking Wallet
https://www.youtube.com/watch?v=hcSss9BHPFo
https://www.youtube.com/watch?v=hcSss9BHPFo Unless country mandates
carrying passport, leave original in safe and carry copy in
passport holders inside pants Carry cash in money belts inside
pants
Slide 24
NM and FTC Victim Resources
http://identitytheftnetwork.org/resource-map/new-mexico Federal
Trade Commission: Step by step instructions
http://www.consumer.ftc.gov/articles/pdf-0009-taking-charge.pdf
Slide 25
If you think you have been a victim of identity theft or want
further information, please contact Deb Kuidis at 277-0732 or
[email protected]
http://researchcompliance.unm.edu/industrialsecurity-home
http://researchcompliance.unm.edu/industrialsecurity-home