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Digital crimescene emv_update_nrfprotect17_skipmyersbethprovenzano_final061217


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Digital Crime Scene: Card Not Present Fraud

Published in: Retail
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Digital crimescene emv_update_nrfprotect17_skipmyersbethprovenzano_final061217

  1. 1. 6/28/2017 1 The Digital Crime Scene: Card-Not- Present Fraud Skip Myers, Director, Loss Prevention/Risk Strategy, Micro Center/Micro Electronics, Inc. and Beth Provenzano, VP, Government Relations, National Retail Federation EMV Status Update Beth Provenzano - NRF
  2. 2. 6/28/2017 2 What is EMV? • EMV stands for Europay Mastercard Visa and is the proprietary chip technology banks are issuing on credit and debit cards. • Deadlines, deadlines – The important date of October 1, 2015 • Retailers must go through several steps to be certified as EMV compliant, including installing new hardware, new software, and testing. • Many retailers are still waiting in the queue to be certified. Setting the Scene Time Spent Waiting for EMV Certification 20.0% 17.1% 2.9% 60.0% 1-2 months 3-4 months 5-6 months 6 months or longer EMV certification is a lengthy process for surveyed retailers. The majority (60%) say it’s taken them half a year or longer. EMV Data* *Not representative of entire retail industry. Findings are directional. Results are based on 59 completes.
  3. 3. 6/28/2017 3 • While retailers wait, they face a liability shift if a chip card is presented at a mag-strip reader. • And, even if they have adopted the technology, retailers have seen an explosive growth in card not present fraud as well as suspicious behavior with chip cards in store. Impact of the Liability Shift • At NRF, we are telling retail’s story about the EMV transition and fraud issues to policymakers. • The LP community provides a unique perspective on the transition, implementation, and fraud experience. Getting Washington Involved
  4. 4. 6/28/2017 4 The Digital Crime Scene Skip Myers Ruin a Bad Guys Day Productions 4 things you will leave this session with: 1. Developing a Crime Scene Mindset 2. Understanding the Breadcrumbs 3. Practical Application of Virtual Evidence 4. Understanding Your Data?
  5. 5. 6/28/2017 5 Crime Scene Investigation The Digital Crime Scene ?
  6. 6. 6/28/2017 6 A Digital Crime is a Human Crime….Committed On-Line - Skip Myers Digital Crime Scene Investigation Digital Crime Scene Method 1 2 3 4 5 Mindset & Process Virtual Evidence Scenario Planning Reverse Engineering Continuous Monitoring On-Line Transaction
  7. 7. 6/28/2017 7 1 2 3 4 5 GEO Location Email Address Device Fingerprint Payment Type Ship To Address Elements of a Digital Crime Scene The Eyes of a Criminal Are You Listening?
  8. 8. 6/28/2017 8 Reverse Engineer Fraud Analysis Crime Scene Mindset Root Cause Analysis Internal Variables External Variables Process Analysis Reverse Engineer Fraud: a method of determining the likely sequence of events before, during, and after a fraud event through observation and evaluation of processes and evidence. – Skip Myers Linking Evidence & Bad Guys
  9. 9. 6/28/2017 9 Linking Virtual Evidence 1 2 3 4 5 Device Fingerprint Email Address GEO Location Payment Type Ship To Address On-Line Transaction Fraudster 1: Device ID: 431167 Device Type: Tablet Browser: Bing Flash Version: 9.2 Brower Language: Russian Device Location: Kiev OS: Windows 10 IP Address: Dallas, Texas Device ID: 431167 Email: Credit Card: Visa Device ID: 431167 Email: Credit Card: Visa Device ID: 431167 Email: Credit Card: AmEx Device ID: 431167 Email: Credit Card: MasterCard Bill To: 123 Main St. Bill To: 456 Pine Ln. Bill To: 789 Oak Ave. Bill To: 101 10th Ave. Bill To: 987 Delk Rd. Bill To: 16 Park Place Ship To: Boris Smirnoff 1313 Mockingbird Ln. Suite 14 Acme Self Storage 1313 Mockingbird Ln. CNP Fraud Link Analysis
  10. 10. 6/28/2017 10 Crime Scene Investigation Revisiting the Crime Scene Digital Crime Scene - Takeaways 1 2 3 4 5 Mindset & Process Virtual Evidence Scenario Planning Reverse Engineering Continuous Monitoring On-Line Transaction
  11. 11. 6/28/2017 11 g{tÇ~ lÉâ