Fraud analysis over Internet Banking environment Prof. Msc. Marcelo Lau
First Brazilian Research in fraud prev. Fraud analysis over Internet Banking environment
Fraud Data and Trends Trojan Horses Cloned Web Pages <ul><li>Trend analysis: Linear growth trend analysis </li></ul><ul><l...
Prevention Fraud Measures <ul><li>Technical protection: </li></ul><ul><ul><li>Anti-trojan. </li></ul></ul><ul><ul><li>Mach...
Prevention Fraud Measures <ul><li>Law enforcement: </li></ul><ul><ul><li>Several enforcements per year. </li></ul></ul><ul...
Important conclusions <ul><li>All fraud methods used into Internet Banking environment in Brazil have fast and constant ev...
For more... <ul><li>Prof. Msc. Marcelo Lau </li></ul><ul><li>E-mail:  [email_address] </li></ul><ul><li>  [email_address] ...
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Fraud analysis over Internet Banking environment

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Describes the research done in Brazil about Internet Banking Fraud Issues. Content by Prof. Msc. Marcelo Lau

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  • Fraud analysis over Internet Banking environment

    1. 1. Fraud analysis over Internet Banking environment Prof. Msc. Marcelo Lau
    2. 2. First Brazilian Research in fraud prev. Fraud analysis over Internet Banking environment
    3. 3. Fraud Data and Trends Trojan Horses Cloned Web Pages <ul><li>Trend analysis: Linear growth trend analysis </li></ul><ul><li>Trend analysis: Extinction Conclusion: Method replacement (Clone Web Pages) to (Trojan Horses). </li></ul>Fraud analysis over Internet Banking environment
    4. 4. Prevention Fraud Measures <ul><li>Technical protection: </li></ul><ul><ul><li>Anti-trojan. </li></ul></ul><ul><ul><li>Machine enrolment. </li></ul></ul><ul><ul><li>Virtual Keyboard. </li></ul></ul><ul><ul><li>One Time Password. </li></ul></ul><ul><ul><li>Matrix Card. </li></ul></ul><ul><ul><li>Digital Certificate. </li></ul></ul><ul><li>Business Rules: </li></ul><ul><ul><li>Transaction limits. </li></ul></ul><ul><ul><li>Origin analysis (Eg: IP). </li></ul></ul><ul><ul><li>Known profile. </li></ul></ul><ul><ul><li>Internet Banking personal watermarks. </li></ul></ul>Fraud analysis over Internet Banking environment
    5. 5. Prevention Fraud Measures <ul><li>Law enforcement: </li></ul><ul><ul><li>Several enforcements per year. </li></ul></ul><ul><ul><li>Full press coverage. </li></ul></ul><ul><li>Specialized Banking Group: </li></ul><ul><ul><li>Knowledge base. </li></ul></ul><ul><ul><li>Monthly meetings. </li></ul></ul><ul><ul><li>Forensics procedures done by several banks at the same time. </li></ul></ul><ul><ul><li>Educational programs for customers. </li></ul></ul><ul><ul><li>Scanning procedures for phishing and pharming. </li></ul></ul>Fraud analysis over Internet Banking environment
    6. 6. Important conclusions <ul><li>All fraud methods used into Internet Banking environment in Brazil have fast and constant evolution since 2002. </li></ul><ul><li>All evolutions are answers to several security protections done into Internet Banking environment. </li></ul><ul><li>Had been found technology migration from Brazil to another countries. Always Brazil is the first place to concept new techniques, used on Brazilians Internet Banking customers at first and applied around the world after months or years. </li></ul><ul><li>Nowadays major threat are Trojan Horses. </li></ul>Fraud analysis over Internet Banking environment
    7. 7. For more... <ul><li>Prof. Msc. Marcelo Lau </li></ul><ul><li>E-mail: [email_address] </li></ul><ul><li> [email_address] </li></ul><ul><li>Executive Director at Data Data Security. More than 12 years in banks (Itau-Unibanco), the largest banking on Latin America. Profesor at FEBRABAN, FATEC/SP, Mackenzie and cooridinates post graduation in Information Security and Project Management at SENAC/SP. Electronic enginer at EEM, post graduation in administration at FGV, communication and atr at SENAC/SP and master in computer forensics at USP. Develops this research in consulting in several countries Americas and Africa). </li></ul>Fraud analysis over Internet Banking environment

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