Webinar: Synthetic Identity Fraud: How Cybercriminals Complete Their Hack

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Synthetic identity fraud is when a criminal combines real and fake information to create a new identity. This data is then used to open fraudulent accounts and make fraudulent purchases, stealing from creditors, including credit card companies, who extend credit based on the fake identity. Synthetic identity fraud costs American businesses an estimated $50 billion per year and accounts for over 80% of all identity fraud. * ** Hear from former U.S. Most Wanted Cybercriminal, Brett Johnson on synthetic identity fraud. He has first-hand experience on this topic, and he will divulge the specifics behind how it works and what you can do to stop it. Learn the latest techniques that are used by fraudsters to create synthetic profiles, build fraudulent credit reports, commit the crimes and finally, cash out. Join us on October 15 to learn: How fraudsters succeed with synthetic identity fraud Why fraudsters are choosing synthetic identity over stolen identity Why synthetic identity fraud is so difficult to detect What fraudsters are using as workarounds to complete their hacks How to uncover fraudsters’ attempts in real time How to confidently authenticate new consumers Register today and then share back with your team, these new ways to identify and prevent synthetic identity fraud in your business. If you haven't already, watch part one of iovation's webinar series featuring Brett Johnson, "Combating Social Engineering and Account Takeover by a Former U.S. Cybercriminal". *https://finance.yahoo.com/news/rapidly-growing-fraud-technique-costing-210000565.html **https://verafin.com/2019/02/unreal-identities-leading-to-real-crimes/

Software

1© iovation. All RightsReserved
BrookeSnelling, Senior Product Marketing Manager at iovation
BrettJohnson,Keynote Speaker and Cybersecurity Consultant
at AnglerPhish Security
Synthetic Identity Fraud:
How Cybercriminals
Complete Their Hack

“The Original Internet Godfather”
--United States Secret Service,
Columbia South Carolina Field Office

© iovation. All RightsReserved 3
Shadowcrew

© iovation. All RightsReserved 5
Cybercrime Communities / Forums
Allow Members to Network for
Maximum Success

© iovation. All RightsReserved 6
Synthetic Fraud
• Fastest Growing Form of Identity Theft
• Over 80% of all New Account Fraud
• Losses Last Year over $50 Billion
• Unknown to Most People

• 20% of all credit card losses
• 5% of all credit card debt
• $15,000 average charge off per instance of synthetic fraud
• $6 Billion in losses for 2016
• Over $50 Billion in losses to date

Synthetic Fraud is the Fastest
Growing Financial Crime on the
Planet

Cybercrime Succeeds Through
a Series of Failures Across a
Variety of Systems

Why Synthetic Fraud
Understanding Weakness
• 2011 and the Social Security Administration
• Credit Bureaus Don’t Know You Exist Until You Tell
Them
• Credit Piggybacking
• Traditional Fraud Models Don’t Flag Synthetic Identities
• Defining Synthetic Fraud

What is Synthetic Fraud?
A combination of fictitious and sometimes real
information (SSN, DOB, etc.) used to create new
identities to perpetrate financial fraud.

Step One: Creating the Identity
• buy stolen pii or fabricate SSN
• Stolen: Children, elderly, homeless
• Fabricated: SSN algorithm
• SSN validator
• Add name, dob, address, phone number
• If using elderly or active SSN the “drop” address must be
in a different zipcode
• Phone number should NOT be VOIP
• Address should be residential

Step Three: OSINT
• Listyourself.net
• Rewards Cards
• Facebook or other social
media?

Step Four: The Secured Credit Card
• Secured cards which require a minimum deposit
remain prime targets

Step Six: Applying for Credit and Cashing
Out
• Novice Level
• Personal loans, branded cards, auto loans, etc
• Potential Profit $15k Range
• Intermediate
• Opens accounts and makes payments on accounts to increase credit limits
• Potential Profit $40k range
• Advanced
• Mixes real pii with fictitious to apply for business credit
• Potential Profit $150k range

Variations
• Primary Credit Lines
• Creating fictitious businesses
• Using reporting services
• Using the court system (now
dead)
• Layering Identity Profiles
• Using ITINs and other
• Aging the profiles
• Opening a bank account

© iovation. All RightsReserved 21
Synthetic Fraudsters Collaborate for
Maximum Success

Placeholder for pics or vid of physical fake
IDs

A Brief History of Fake IDs Among Cybercrook

Cybercrime Isn't
Rocket Science...
Mostly

33© iovation. All RightsReserved
Thank You

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Webinar: Synthetic Identity Fraud: How Cybercriminals Complete Their Hack

1. 1© iovation. All RightsReserved BrookeSnelling, Senior Product Marketing Manager at iovation BrettJohnson,Keynote Speaker and Cybersecurity Consultant at AnglerPhish Security Synthetic Identity Fraud: How Cybercriminals Complete Their Hack

2. “The Original Internet Godfather” --United States Secret Service, Columbia South Carolina Field Office

7. • 20% of all credit card losses • 5% of all credit card debt • $15,000 average charge off per instance of synthetic fraud • $6 Billion in losses for 2016 • Over $50 Billion in losses to date

8. Synthetic Fraud is the Fastest Growing Financial Crime on the Planet

9. Cybercrime Succeeds Through a Series of Failures Across a Variety of Systems

10. Why Synthetic Fraud Understanding Weakness • 2011 and the Social Security Administration • Credit Bureaus Don’t Know You Exist Until You Tell Them • Credit Piggybacking • Traditional Fraud Models Don’t Flag Synthetic Identities • Defining Synthetic Fraud

11. What is Synthetic Fraud? A combination of fictitious and sometimes real information (SSN, DOB, etc.) used to create new identities to perpetrate financial fraud.

12. Ok…What does that mean?

13. How Fraudsters Commit Synthetic Fraud

14. Step One: Creating the Identity • buy stolen pii or fabricate SSN • Stolen: Children, elderly, homeless • Fabricated: SSN algorithm • SSN validator • Add name, dob, address, phone number • If using elderly or active SSN the “drop” address must be in a different zipcode • Phone number should NOT be VOIP • Address should be residential

15. Step Two: Creating the Credit Profile • Credit bureaus don’t know you exist until you tell them • Applying for credit and trimerging to create the credit report • Fraudsters are often creative. Think mortgage refi, auto loans, etc

16. Step Three: OSINT • Listyourself.net • Rewards Cards • Facebook or other social media?

17. Step Four: The Secured Credit Card • Secured cards which require a minimum deposit remain prime targets

18. Step Five: Credit Piggybacking

19. Step Six: Applying for Credit and Cashing Out • Novice Level • Personal loans, branded cards, auto loans, etc • Potential Profit $15k Range • Intermediate • Opens accounts and makes payments on accounts to increase credit limits • Potential Profit $40k range • Advanced • Mixes real pii with fictitious to apply for business credit • Potential Profit $150k range

20. Variations • Primary Credit Lines • Creating fictitious businesses • Using reporting services • Using the court system (now dead) • Layering Identity Profiles • Using ITINs and other • Aging the profiles • Opening a bank account

22. Placeholder for pics or vid of physical fake IDs

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27. A Brief History of Fake IDs Among Cybercrook

28. Cybercrime Isn't Rocket Science... Mostly

29. Combatting Synthetic Fraud

Webinar: Synthetic Identity Fraud: How Cybercriminals Complete Their Hack

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Webinar: Synthetic Identity Fraud: How Cybercriminals Complete Their Hack