My Name Is… Richard Hollis David Burton Sean Bennett ?… Call me Ishmael
The Definition “Identity theft is the pilfering of a individual’s personal identification information, such as name, date of birth, passport number, drivers licence, credit card number, mother’s maiden name etc. in order to commit fraud”
First Recorded Theft Genesis iii: 13 …and the woman said, “The serpent beguiled me, and I did eat”.
According to … Identity theft is the world’s fasted growing crime
That’s Where the Moneyis… 2001Name, Address DOB = £2.00Credit card # = £2.00Expiry date = £ 3.00Security Code = £3.00 2006 Total = £10.00 Name, Address DOB = £1.00 Credit card # = £1.00 Expiry date = £ 1.00 2012 Security Code = £2.00 Name, Address DOB = £.25 Total = £5.00 Credit card # = £.25 Expiry date = £ .25 Security Code = £.25 Total = £1.00
Chat Up Line # 63 In March 2008 there were 76.8 millionNational Insurance numbers in the UK*. *U.K. Information Commissioners Office UK Population = 61 million
The Price We Pay• Identity fraud accounts for a criminal cash flow of £12m per day.• The mean fraud amount per victim is currently estimated at £5,783.• The mean resolution time is over 100 hours per victim.• Over 75% of victims are unable to clear up associated credit problems after 6 months.
Three Elements 1. Attributed 2. Biometric 3. Biographi c
Attributed Identity • Your name • Date of birth • Place of birth • M other’s name • Father’s name • Family members • Your race Characteristics ascribed to you at birth
Biometric Identity• Your height• Your weight• Color of your eyes• Color of your hair• Color of your skin• Birthmarks• Your DNA• Your fingerprints• Your footprints• Your retinal pattern Your distinguishing• Your smell… physical characteristics
Biographic Identity • Birth certificate • School records • Work permit • Drivers license • Places of employment • Places of residences • Marriage certificate (s) • Divorce certificate (s) Your life story • Credit history information
Tip Number 2• Go through their mail – Credit card applications – Credit card statements – Bank statements – Loyalty card promotions – Membership applications – Telephone calling cards – Tax information – Pay stubs - receipts
Tip Number 3• Go through their trash – Credit card applications – Credit card statements – Bank statement – Loyalty card promotions – Membership applications – Telephone calling cards – Tax information – Pay stubs - receipts – Credit card carbons
Tip Number 4• Ask for it! – “Pretexting” phone call – Letters to former employers – Military records – FOIA requests – DPA requests – Public records
Don’t Get Caught• Once you have it: Take control of it Change mailing address Open new accounts using a new (false) address Request higher credit limits Never drain the account Charge repeated small amounts to cards Move on…
Face of an Identity ThiefRicky Leonard Swaner, 50,arrested by FBI in Feb2006 on multiple-countFederal indictment fraud,identity theft and obtainingpossession of over 2million dollars of controlledsubstances by fraud.
Reduce Your Risk • WAKE UP ! • Practice ID discipline • Protect information – Personnel – Client - database – Credit card – Company
Protect Yourself• BE PRO-ACTIVE!• Look after your identity• Don’t give it away• Don’t throw it away• Don’t sell it• Don’t let it be taken from you• Look after it as if it belonged to you