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Identity Smarts: A Behind the Scenes Look at Identity Theft. This educational unit is developed in partnership with LifeLock, ETPRO and the C3 Conference. Complement to the LifeLock Identity Smart: A Guide for Consumers against Identity Theft. Today’s Objectives. Identity Theft 101

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slide1

Identity Smarts:

A Behind the Scenes Look at Identity Theft

This educational unit is developed in partnership with LifeLock, ETPRO and the C3 Conference

Complement to the LifeLock

Identity Smart: A Guide for Consumers against Identity Theft

slide2

Today’s Objectives

Identity Theft 101

Statistics

Methods of Identity Theft

slide3

Identity Theft 101

Definitions and scenarios to help better understand identity theft

identity theft vs identity fraud
Identity Theft vs. Identity Fraud
  • Identity theft and identity fraud are terms used to refer to all types of crime in which someone wrongfully obtains and uses another person’s personal data in some way that involves fraud or deception, typically for economic gain.
    • Identity Theft: Someone uses your personal identifying information to establish new credit.
      • Examples: Opens up a new credit card, cell phone, purchases a home in your name
    • Identity Fraud: Someone uses your existing credit to commit fraud.
      • Examples: Makes purchases with your credit card, takes money out of your bank account

Source: The U.S. Department of Justice

http://www.justice.gov/criminal/fraud/websites/idtheft.html

personal identifying information pii
Personal Identifying Information (PII)
  • What is Personal Identifying Information?
    • Social Security Number
    • Birth Date (full)
    • Current and Previous Address
    • Current and Previous Phone Number
    • Account Information
    • Mother’s Maiden Name
    • Pet’s Name
    • Health Insurance Information
    • Usernames, PINS and Passwords

Source: The U.S. Department of Justice

http://www.justice.gov/criminal/fraud/websites/idtheft.html

identity theft today
Identity Theft Today

Identity theft cost American’s

$18 Billion in 2011

Javelin Strategy & Research. “2012 Identity Fraud Survey Report.” February 2012.

#1 Consumer Complaint in 2011

2012 FTC Report

Over11.6 Million Adult Victims of Identity Theft

Javelin Strategy & Research. “2012 Identity Fraud Survey Report.” February 2012.

Federal Trade Commission. “Consumer Sentinel Network Data Book for January – December 2011.”

February 2012.

*The Bureau of Justice Statistics Report, November 2011

slide7

A friend, family member or co-worker

    • - Those with access to your personal information
  • A stranger with an agenda
    • - Posing as someone from a well-known business
    • or your bank or utility company

Who are Identity Thieves?

*The Bureau of Justice Statistics Report, November 2011

slide8

Points of Compromise

Name places where you willingly give your personal information?

points of compromise
Points of Compromise
  • Restaurants
  • Credit bureaus
  • Daycare/babysitter
  • Video stores
  • Elementary schools
  • Colleges & Universities
  • Credit Card companies
  • Solicitations
  • Real estate offices
  • Utility companies
  • Burglaries-house/car
  • Others?
  • Public records
  • Internet shopping sites
  • Doctor’s offices
  • Car dealerships
  • Driver’s license offices
  • Postal services/mail boxes
  • Relatives
  • Check cashing companies
  • Banks
need to know
Need to Know?

Ask yourself “why does this person/company need to know this information?” before you give it out.

  • Social Security Number
  • Birthday
  • Account Numbers and Information
  • Addresses
  • Phone Numbers
  • Mother’s Maiden Name
  • Health Insurance Information
  • Usernames and Passwords
  • Account information
  • Pets’ names
  • Anniversaries
slide11

Statistics

Local & National

national statistics
National Statistics

Source: Federal Trade Commission. “Consumer Sentinel Network Data Book for

January – December 2011.” February 2012.

old school identity theft
“Old School” Identity Theft
  • Dumpster diving
  • Theft of wallet, purse
  • Change of address cards
  • Info in your home or vehicle
  • Shoulder surfing
  • Check washing
skimmers
Skimmers

Skimmer placed over ATM card reader

ATM looks to be un-tampered

Hand held credit card skimmers can be used at restaurants

Photos courtesy of: jasonwillison.wordpress.com and www.onlinesellersunited.com

atm overlays
ATM Overlays

Small video camera or ATM overlay used to capture pin

Thieves clone cards with your credit card number

Photos courtesy of: www.networkworld.com and Wayne Ivey

social networking
Social Networking

Peer to Peer

Networks (P2P)

daily risks scams
Daily Risks/Scams

- Secure Shopping

- Phishing Emails

- RFID Chips

slide21

Identity Theft: By the Numbers

  • In just one year there were 11.6 million adult victims of identity fraud
  • Account takeover fraud costs victims around $3500.00 on
  • average
  • In 2011, identity fraud costs Americans $18 billion
  • 13% of fraud victims indicated that their identity was
  • stolen by a family member, friend or co-worker
what is personal information
What is Personal Information?
  • Social Security Number
  • Birth Date (full)
  • Current and Previous Address
  • Current and Previous Phone Number
  • Account Information
  • Mother’s Maiden Name
  • Pet’s Name
  • Health Insurance Information
  • Usernames, PINS and Passwords
how do i protect my identity information
How Do I Protect My Identity Information?

In the Mail

Shopping Online

Credit and Debit Cards

At the Bank

In Your Wallet/At Your Home

The Last Line of Defense

need to know1
Need to Know
  • Ask yourself “why does this person/company need to know this information?” before you give it out.
    • Social Security Number
    • Birthday
    • Account Numbers and Information
    • Addresses
    • Phone Numbers
    • Mother’s Maiden Name
    • Health Insurance Information
    • Usernames and Passwords
    • Account information
    • Pets’ names
    • Anniversaries
sites to explore
Sites to Explore
  • Shouldichangemypassword.com
    • Monitors sites that have been hacked. Allows users to enter their email address to see if their usernames and passwords have been published online.
  • FTC Theft Affidavit
    • Document to use if your identity has been stolen
  • FTC On Guard Online Identity Theft
    • Federal Trade Commission site for help if your identity has been stolen or for prevention tips.
  • Last Pass
    • Password Managing software that creates a safe for passwords
  • Identity Theft Resource Site for Mobile Devices
what do i do if my identity has been stolen
What do I do if my Identity has been Stolen?
  • File a police report
  • Check credit and bank accounts
    • Alert the companies of the identity theft
    • Close any accounts which have been stolen
  • Contact all Three Credit Reporting Agencies
  • Contact with Your Creditors
  • Report the Details to the Federal Trade Commission (FTC)
slide31

Stay Secure When Reporting Your Identity Theft

  • Report the theft as soon as possible to ensure that you and your personal
  • information are protected.
  • • Keep a copy or record of any and all correspondence with the authorities,
  • your financial institutions and any credit reporting agencies.
  • • Avoid using originals of any personal documents when possible; use
  • notarized and certified copies instead.
  • • Follow-up with all requests and actions, and be persistent in clearing your
  • name and securing your information.