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You already know the types of legal issues your employees deal with but do you know the five common types of identity theft ? What Is Identity Theft? <ul><li>You get pulled over for a routine traffic stop and it turns out somebody else received tickets in your name. </li></ul><ul><li>Someone got a job in your name and didn’t pay any taxes, or they have applied for your Social Security benefits. </li></ul><ul><li>Someone uses your medical insurance and they have a diagnosis that prevents you from receiving treatment. </li></ul><ul><li>Someone commits a crime in your name. </li></ul><ul><li>Loans, credit cards, cars, cell phones, utilities, home finance, etc. are purchased in your name. </li></ul>Drivers License Identity Theft Medical Identity Theft Financial Identity Theft Social Security Identity Theft Character / Criminal Identity Theft
“ Each year, 7 to 10 million Americans fall prey to Identity Theft… From massive data-brokerage firms to tiny local banks, your identity is irretrievably ‘ out there. ’ ” What Is Identity Theft?
What Is Identity Theft? Your Name 1000’s of aggregators Your Fingerprints and DNA FBI, State, and Local DBS Your Insurance Claims C.L.U.E. DBS, etc... Your Military Record DOD DBS Your Criminal History NCIC DBS Your Real Estate Deeds Clerks of Court DBS Your Legal History State and Federal Court DBS Your Credit History Credit Repositories’ DBS Your Birth Certificate Choice Point DBS, State, etc … Your Phone Number and Tracking Info 1000’s of aggregators Your Social Security Number SSA DBS Your Address 1000’s of DBS The Data Based You ™ Your Driver’s License # and Record – DMV DBS Your Medical Records MIB DBS, etc … Your Car Registration & Info DMV, Local Treasurer, On Star, etc … DBS
Lost, Hacked, or Stolen… Notables You can’t control The DataBased You <ul><li>ChoicePoint: 145,000 </li></ul><ul><li>CitiFinancial: 3.9 Million </li></ul><ul><li>MasterCard: 40 Million </li></ul><ul><li>AOL: 92 Million </li></ul><ul><li>Veterans Admin: 26.5 Million </li></ul><ul><li>Bank of America: 1.2 Million </li></ul><ul><li>Acxiom: 1.2 Billion </li></ul>™ What Is Identity Theft? So many laptops … we lost count i.e. Hotels.com (Ernst & Young)
The Cost to Individuals <ul><li>The average dollar amount charged in Identity Theft: $92,893 </li></ul><ul><li>The average number of checks written in Identity Theft: 74.6 </li></ul><ul><li>The average number of credit card applications approved through Identity Theft: 8.4 </li></ul>Laws hold victims partially responsible for fraudulent debt after 48 hours, and hold them fully responsible if not reported within 60 days… The Cost of Identity Theft and Legal Issues
The Cost to Businesses <ul><li>Employees can take hundreds of business hours to restore their identities </li></ul><ul><li>“ If you experience a security breach, 20 percent of your affected customer base will no longer do business with you, 40 percent will consider ending the relationship, and 5 percent will be hiring lawyers!*” </li></ul><ul><li>“ When it comes to cleaning up this mess, companies on average spend 1,600 work hours per incident at a cost of $40,000 to $92,000 per victim.*” </li></ul>The Cost of Identity Theft and Legal Issues * CIO Magazine, The Coming Pandemic , Michael Freidenberg, May 15 th , 2006
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