SlideShare a Scribd company logo
Dexterity and quick thinking in a changing world
Actionable Intelligence
explained
May 2014
CONFIDENTIAL & NOT FOR EXTERNAL DISTRIBUTION
To explain the importance of actionable
intelligence so as to increase our ability
to combat fraud
Our
aim
Actionable Intelligence
“We can get to the truth of the matter when other people cannot; we can turn information
that may at first seem pretty random into actionable intelligence”
“The data analytics provide a good guidance and means of filtering. But, at best, all they can
say is, this is likely to be fraudulent”
Context
Fraud is rising, and the nature of it is shifting
 Overall impact in 2012 – 2013* = £52billion, made up of:
 £21 bn Public Sector
 £21 bn Private Sector
 £10 bn Individuals
 Charity? £147.3 million – e.g. 17% of lottery funds
 Hard crime is reducing, but fraud is increasing in the following markets:
 Life insurance
 Motor insurance
 Home insurance
*source: National Fraud Indicator 2013
Progress
 There are initiatives that are having an impact, e.g. the City of London Police’s
Insurance Fraud Enforcement Department (IFED), Action Fraud and the National Crime
Agency (NCA) - But is it a losing battle?
 In order to succeed in deterring fraudulent activity from being committed, we strongly
recommend you to:
 Lower the pain threshold
 Stigmatise fraud
 Advertise your deterrence
 Prosecute at every opportunity
It is up to you. You are the front line.
Monday 28 October 2013
Danyal Buckharee was jailed for 3
years after starting up First Car
Direct Insurance and three other
websites, the UK’s biggest
fraudulent car insurance scheme.
Giovanni Recchia helped
Buckharee run the fake website and
was jailed the same day.
The pair conned 600 people into
paying up to £680,000 for worthless
insurance.
The rise of the ‘Ghost Brokers’
Buckharee (left) was sentenced to three years in jail.
Below, the ‘office’ where he began his fraudulent
business – an apartment in South London where the
crooks used an iPod to create the illusion of
background office noise.
Actionable Intelligence in the news: Ghost broker jailed for
UK’s biggest fake car insurance scam
How to spot a ‘Ghost broker’?
 Ghost brokers often communicate with customers via free internet messaging on
mobile phones, such as BlackBerry messaging and WhatsApp.
 Customers are usually asked to pay for policies in cash or by bank transfer,
although some of the more elaborate scams offer payment by instalments to make
the transaction seem more genuine.
 Ghost brokers have been found to operate from specified websites and more
increasingly on the classified advert websites such as Gumtree.
Using Actionable Intelligence to combat the Ghost Broker
 Step 1: Assess the evidence
 How have they contacted you?
 Payment type?
 Step 2: Intelligence checks
 Is the subject company reputable? Visit website, Social Media sites and most
importantly, read customer reviews online. If other people have encountered
problems it is very likely they have shared them online.
 Step 3: Action Research and Intelligence
 If a deal seems dodgy, it probably is.
 Step 4: Report to the IFED, NCA or Action Fraud.
 Ghost broker reported and evidence acquired by authorities.
 Outcome: Ghost broker avoided and reported
E-mail Fraud
 We are seeing a growing prevalence of fraudsters using hacked email accounts to ask for
money for fake emergencies. The fraud indicators can be overlooked but are usually fairly
obvious. Look out for:
 Writing Style
 Unplanned holidays
 “Emergencies”
 Money transfers
From: Louise Chaplain [mailto:louise_chapln@hotmail.com]
Sent : 24 October 2013 12:12
Subject : Help............Louise Chaplin
Just hoping this email reaches you well, I'm sorry for this emergency and for not informing you
about my urgent trip to Warszawa,Poland but I just have to let you know my present
predicament. Everything was fine until I was attacked on my way back to the hotel, I wasn't hurt
but I lost my money, bank cards, mobile phone and my bag in the course of this attack. I
immediately contacted my bank in order to block my cards and also made a report at the nearest
police station. I've been to the embassy and they are helping me with my documentation so i can
fly out but I'm urgently in need of some money to pay for my hotel bills and my flight ticket
home, will definitely REFUND as soon as back home .
Kindly let me know if you would be able to help me out so I can forward you the details required
for a wire transfer.
Waiting to hear back from you...
Thank You.
Louise
What is Actionable Intelligence?
Information*:
Facts or opinions provided or learned about something or someone.
Intelligence*:
The collection of information of military or political or commercial value
Actionable Intelligence*
The necessary background information that will enable someone to
deal quickly and efficiently with a particular situation
*Source : Oxford English Dictionary
*Source: Collins English Dictionary
What is Actionable Intelligence?
Information that is:
 Relevant to your purpose
 Accurate
 From reliable sources
 And, most importantly, timely:
 Speed has a quality of its own
 Timing is key in prevention and deterrence
Actionable Intelligence: The Process
 Assemble the facts. What are you dealing with?
 What do you want/need to do about it?
 What information do you need to know?
 Where can you get it and how?
 Assets - Open source, analytics, HUMINT (Human Intelligence)
 Constraints e.g. costs
 Operating within the Law:
 Investigators
 Data protection
Information and Intelligence from Open Source Research
Note – this list is not exhaustive!
Channels and sources for intelligence include:
• Newspapers
- National/Local/Free
• Birth, Death, Marriage Records
- Local Registry Office/Church Records
• Phonebooks
- Yellow Pages/White Pages/Thompson Local
• www.
- Search Engines/Social networking sites
• e.g. Google/Bing/Ask/Lycos/Yahoo
• Meta & Mega Search Tools
• - IncyWincy/Metacrawler
• People and Company Finders
• - 192/peopletracer/Zoopla/123people/Company House Worldwide
• Web 2.0, Social Media and Real-Time
• - Twitter/Facebook/Instagram
• /MySpace/Bebo
• News
- Online Newspapers/TV News
• Image and video search
- Flickr/Photobucket/YouTube
• Maps/Geographic
- Crime Mapper/Google Earth
• Username Search
- Peekyou/Snitch.name
Actionable Intelligence: The Process
 What do you do with it?
 Collate
 Analyse. Deduce. Ask questions.
 Intelligence Pack
 Targeted investigations
 Follow up leads
 Establish ground truth and intent
 Produce a report - to evidential standard
 Sense check. Independent verification.
 Act on it:
 Pass to requester
 Follow up
 Collateral intelligence
 Store refresh and exploit
The Example: Track and Trace
AI was asked by one of our clients to Trace and Interview a previously non-
cooperative policy holder
 Step 1: Review already held material
 Step 2: Identify intelligence gaps
 Step 3: Antecedence checks e.g. subject profiling and open source research. Checks
on all known addresses, workplace location, Social Media to confirm known
connections, general search – newspapers, records
 Step 4: We sent an investigator to cold call, policy address and associated addresses
 Step 5: The policy holder’s address was vacant, however a cold call on an address
we identified as the policy holder’s parents proved successful with them calling the
policy holder who then met and was interviewed by our investigator
Outcome: Contact with formerly elusive subject made. Our client was able to repudiate
the claims presented.
The Example: Person Trace
AI was instructed to conduct a person trace investigation relating to an individual
who owed our client money for an unpaid loan.
 Step 1: Reviewing the evidence already held (minimal)
 Step 2: Conducting extensive online research, including examining both open and closed
publicly accessible databases, media databases and conducting other open source research
 Step 3: Evidence produced of the subject’s whereabouts, known property, employment,
business interests and other information of interest
 Step 4: Recommendation produced backing up the evidence confirming that the subject
can be traced through enquiries at his work place
Outcome: Recommendation and statement of confidence produced for client
determined that the subject’s lifestyle and work indicated his ability to afford the
repayments on his outstanding debt. By using Actionable Intelligence we traced the
subject to a workplace in Scotland, while the original intelligence listed his home
being in southern England.
Conclusion
 Fraud is growing and affects everyone
 You need a prevention rather than a cure
 Deterrence is key
 There is too much information out there
 Work out what you need to know, why, and how it can help you
 Use every available [legal] source
 Do not discard collateral intelligence
 Follow through
 Fast!
Armour Intelligence
About AI
 Specialties:
 Insurance Investigations, Security Assurance, Risk Reviews
 Proven track record in investigations work
 Assignments for UK Government and major UK insurers; finding resolution in over
85% of all cases handled
Why use AI?
 Our staff – the best of a very special breed, with professionalism, training, experience
and determination
 Our approach – flexible and innovative, while maintaining AI standard
 Real time reporting; evidential standard – cases are investigated and reported to a
standard admissible in prosecutions
 Speed and certainty of response – 48 hour response time. 80%+ case recommendation
in 5 working days.
AI Online
For more information on Actionable Intelligence, or any of our other specialities, get
social with us at:
http://www.linkedin.com/company/armour-intelligence/
https://twitter.com/ArmourIntel
www.armourintelligence.com
Continue to the next slide to watch our CEO, David Montgomery, discuss what
Actionable Intelligence does that Big Data cannot.

More Related Content

What's hot

Avoiding Fraud and Identity Theft - October 2008
Avoiding Fraud and Identity Theft - October 2008Avoiding Fraud and Identity Theft - October 2008
Avoiding Fraud and Identity Theft - October 2008
FinancialCenter
 
Internet fraud #scichallenge2017
Internet fraud #scichallenge2017Internet fraud #scichallenge2017
Internet fraud #scichallenge2017
N F
 
Identity Theft Presentation
Identity Theft PresentationIdentity Theft Presentation
Identity Theft Presentation
charlesgarrett
 
Id Theft Seminar 6
Id Theft Seminar 6Id Theft Seminar 6
Id Theft Seminar 6
krupp
 
Internet Fraud
Internet FraudInternet Fraud
Internet Fraud
Elijah Ezendu
 
Identity Theft: How to Avoid It
Identity Theft: How to Avoid ItIdentity Theft: How to Avoid It
Identity Theft: How to Avoid It
hewie
 
Social networking and identity theft
Social networking and identity theft Social networking and identity theft
Social networking and identity theft
carlgiardina
 
Identity Theft: The Other You
Identity Theft: The Other YouIdentity Theft: The Other You
Identity Theft: The Other You
- Mark - Fullbright
 
Identity theft power_point
Identity theft power_pointIdentity theft power_point
Identity theft power_point
efandeye
 
E business internet fraud
E business internet fraudE business internet fraud
E business internet fraud
Radiant Minds
 
Identity theft ppt
Identity theft pptIdentity theft ppt
Identity theft ppt
Cut 2 Shreds
 
e-Fraud ppt
e-Fraud ppte-Fraud ppt
e-Fraud ppt
jasonsirmon
 
Identity Theft - Canada
Identity Theft - CanadaIdentity Theft - Canada
Identity Theft - Canada
- Mark - Fullbright
 
Power Play behind the Ishrat Jahan encounter
Power Play behind the Ishrat Jahan encounterPower Play behind the Ishrat Jahan encounter
Power Play behind the Ishrat Jahan encounter
Sardar Sanjay Matkar
 
PREVENTING IDENTITY THEFT: A GUIDE for CONSUMERS
PREVENTING IDENTITY THEFT:  A GUIDE for CONSUMERSPREVENTING IDENTITY THEFT:  A GUIDE for CONSUMERS
PREVENTING IDENTITY THEFT: A GUIDE for CONSUMERS
- Mark - Fullbright
 
How to Prevent Identity Theft and Fraud
How to Prevent Identity Theft and FraudHow to Prevent Identity Theft and Fraud
How to Prevent Identity Theft and Fraud
English Online Inc.
 
How to Protect Yourself From Identity Theft
How to Protect Yourself From Identity TheftHow to Protect Yourself From Identity Theft
How to Protect Yourself From Identity Theft
Experian_US
 
10 Ways To Prevent Internet Fraud
10 Ways To Prevent Internet Fraud10 Ways To Prevent Internet Fraud
10 Ways To Prevent Internet Fraud
Goose & Gander
 
Identity Privacy 101 - Quicken Loans Zing Blog
Identity Privacy 101 - Quicken Loans Zing BlogIdentity Privacy 101 - Quicken Loans Zing Blog
Identity Privacy 101 - Quicken Loans Zing Blog
Quicken Loans Zing Blog
 

What's hot (19)

Avoiding Fraud and Identity Theft - October 2008
Avoiding Fraud and Identity Theft - October 2008Avoiding Fraud and Identity Theft - October 2008
Avoiding Fraud and Identity Theft - October 2008
 
Internet fraud #scichallenge2017
Internet fraud #scichallenge2017Internet fraud #scichallenge2017
Internet fraud #scichallenge2017
 
Identity Theft Presentation
Identity Theft PresentationIdentity Theft Presentation
Identity Theft Presentation
 
Id Theft Seminar 6
Id Theft Seminar 6Id Theft Seminar 6
Id Theft Seminar 6
 
Internet Fraud
Internet FraudInternet Fraud
Internet Fraud
 
Identity Theft: How to Avoid It
Identity Theft: How to Avoid ItIdentity Theft: How to Avoid It
Identity Theft: How to Avoid It
 
Social networking and identity theft
Social networking and identity theft Social networking and identity theft
Social networking and identity theft
 
Identity Theft: The Other You
Identity Theft: The Other YouIdentity Theft: The Other You
Identity Theft: The Other You
 
Identity theft power_point
Identity theft power_pointIdentity theft power_point
Identity theft power_point
 
E business internet fraud
E business internet fraudE business internet fraud
E business internet fraud
 
Identity theft ppt
Identity theft pptIdentity theft ppt
Identity theft ppt
 
e-Fraud ppt
e-Fraud ppte-Fraud ppt
e-Fraud ppt
 
Identity Theft - Canada
Identity Theft - CanadaIdentity Theft - Canada
Identity Theft - Canada
 
Power Play behind the Ishrat Jahan encounter
Power Play behind the Ishrat Jahan encounterPower Play behind the Ishrat Jahan encounter
Power Play behind the Ishrat Jahan encounter
 
PREVENTING IDENTITY THEFT: A GUIDE for CONSUMERS
PREVENTING IDENTITY THEFT:  A GUIDE for CONSUMERSPREVENTING IDENTITY THEFT:  A GUIDE for CONSUMERS
PREVENTING IDENTITY THEFT: A GUIDE for CONSUMERS
 
How to Prevent Identity Theft and Fraud
How to Prevent Identity Theft and FraudHow to Prevent Identity Theft and Fraud
How to Prevent Identity Theft and Fraud
 
How to Protect Yourself From Identity Theft
How to Protect Yourself From Identity TheftHow to Protect Yourself From Identity Theft
How to Protect Yourself From Identity Theft
 
10 Ways To Prevent Internet Fraud
10 Ways To Prevent Internet Fraud10 Ways To Prevent Internet Fraud
10 Ways To Prevent Internet Fraud
 
Identity Privacy 101 - Quicken Loans Zing Blog
Identity Privacy 101 - Quicken Loans Zing BlogIdentity Privacy 101 - Quicken Loans Zing Blog
Identity Privacy 101 - Quicken Loans Zing Blog
 

Similar to Armour Intelligence: Actionable Intelligence explained

IdentIty Theft - ConsumerCents
IdentIty Theft - ConsumerCentsIdentIty Theft - ConsumerCents
IdentIty Theft - ConsumerCents
- Mark - Fullbright
 
Types of private detectives and their investigations
Types of private detectives and their investigationsTypes of private detectives and their investigations
Types of private detectives and their investigations
Chandra Sekhar BIswal
 
Identity Theft Prevention
Identity Theft PreventionIdentity Theft Prevention
Identity Theft Prevention
Springboard
 
Anti-scammers
Anti-scammersAnti-scammers
Anti-scammers
Univ
 
Could you find the fix and control the crisis?
Could you find the fix and control the crisis?Could you find the fix and control the crisis?
Could you find the fix and control the crisis?
Imogen Pickering
 
Identity Theft Awareness 101 - Basics
Identity Theft Awareness 101 - BasicsIdentity Theft Awareness 101 - Basics
Identity Theft Awareness 101 - Basics
Deb Vosejpka
 
Resolving Consumer Identity Theft for Foster Youth 2013 Edition
Resolving Consumer Identity Theft for Foster Youth 2013 EditionResolving Consumer Identity Theft for Foster Youth 2013 Edition
Resolving Consumer Identity Theft for Foster Youth 2013 Edition
- Mark - Fullbright
 
Taking Charge: What to Do If Your Identity Is Stolen
Taking Charge: What to Do If Your Identity Is StolenTaking Charge: What to Do If Your Identity Is Stolen
Taking Charge: What to Do If Your Identity Is Stolen
- Mark - Fullbright
 
DRAFT 2 RP.docx
DRAFT 2 RP.docxDRAFT 2 RP.docx
DRAFT 2 RP.docx
DharmendraMedatwal
 
The Right and Wrong Ways to Prevent Identity Theft
The Right and Wrong Ways to Prevent Identity TheftThe Right and Wrong Ways to Prevent Identity Theft
The Right and Wrong Ways to Prevent Identity Theft
The Identity Advocate
 
Youth Protection Guide - Canada
Youth Protection Guide - CanadaYouth Protection Guide - Canada
Youth Protection Guide - Canada
- Mark - Fullbright
 
Part 1-frauds
Part 1-fraudsPart 1-frauds
Part 1-frauds
Kolluru N Rao
 
Part 1- FRAUD AWARENESS -LESSONS-PART-1
Part 1- FRAUD AWARENESS -LESSONS-PART-1Part 1- FRAUD AWARENESS -LESSONS-PART-1
Part 1- FRAUD AWARENESS -LESSONS-PART-1
CA.Kolluru Narayanarao
 
Preventing Nonprofit Banking Fraud and the Tools You Can Use!
Preventing Nonprofit Banking Fraud and the Tools You Can Use!Preventing Nonprofit Banking Fraud and the Tools You Can Use!
Preventing Nonprofit Banking Fraud and the Tools You Can Use!
tomciolkosz
 
FHRBOC Preventing NFP Banking Fraud
FHRBOC Preventing NFP Banking FraudFHRBOC Preventing NFP Banking Fraud
FHRBOC Preventing NFP Banking Fraud
tomciolkosz
 

Similar to Armour Intelligence: Actionable Intelligence explained (15)

IdentIty Theft - ConsumerCents
IdentIty Theft - ConsumerCentsIdentIty Theft - ConsumerCents
IdentIty Theft - ConsumerCents
 
Types of private detectives and their investigations
Types of private detectives and their investigationsTypes of private detectives and their investigations
Types of private detectives and their investigations
 
Identity Theft Prevention
Identity Theft PreventionIdentity Theft Prevention
Identity Theft Prevention
 
Anti-scammers
Anti-scammersAnti-scammers
Anti-scammers
 
Could you find the fix and control the crisis?
Could you find the fix and control the crisis?Could you find the fix and control the crisis?
Could you find the fix and control the crisis?
 
Identity Theft Awareness 101 - Basics
Identity Theft Awareness 101 - BasicsIdentity Theft Awareness 101 - Basics
Identity Theft Awareness 101 - Basics
 
Resolving Consumer Identity Theft for Foster Youth 2013 Edition
Resolving Consumer Identity Theft for Foster Youth 2013 EditionResolving Consumer Identity Theft for Foster Youth 2013 Edition
Resolving Consumer Identity Theft for Foster Youth 2013 Edition
 
Taking Charge: What to Do If Your Identity Is Stolen
Taking Charge: What to Do If Your Identity Is StolenTaking Charge: What to Do If Your Identity Is Stolen
Taking Charge: What to Do If Your Identity Is Stolen
 
DRAFT 2 RP.docx
DRAFT 2 RP.docxDRAFT 2 RP.docx
DRAFT 2 RP.docx
 
The Right and Wrong Ways to Prevent Identity Theft
The Right and Wrong Ways to Prevent Identity TheftThe Right and Wrong Ways to Prevent Identity Theft
The Right and Wrong Ways to Prevent Identity Theft
 
Youth Protection Guide - Canada
Youth Protection Guide - CanadaYouth Protection Guide - Canada
Youth Protection Guide - Canada
 
Part 1-frauds
Part 1-fraudsPart 1-frauds
Part 1-frauds
 
Part 1- FRAUD AWARENESS -LESSONS-PART-1
Part 1- FRAUD AWARENESS -LESSONS-PART-1Part 1- FRAUD AWARENESS -LESSONS-PART-1
Part 1- FRAUD AWARENESS -LESSONS-PART-1
 
Preventing Nonprofit Banking Fraud and the Tools You Can Use!
Preventing Nonprofit Banking Fraud and the Tools You Can Use!Preventing Nonprofit Banking Fraud and the Tools You Can Use!
Preventing Nonprofit Banking Fraud and the Tools You Can Use!
 
FHRBOC Preventing NFP Banking Fraud
FHRBOC Preventing NFP Banking FraudFHRBOC Preventing NFP Banking Fraud
FHRBOC Preventing NFP Banking Fraud
 

Recently uploaded

Collapsing Narratives: Exploring Non-Linearity • a micro report by Rosie Wells
Collapsing Narratives: Exploring Non-Linearity • a micro report by Rosie WellsCollapsing Narratives: Exploring Non-Linearity • a micro report by Rosie Wells
Collapsing Narratives: Exploring Non-Linearity • a micro report by Rosie Wells
Rosie Wells
 
Suzanne Lagerweij - Influence Without Power - Why Empathy is Your Best Friend...
Suzanne Lagerweij - Influence Without Power - Why Empathy is Your Best Friend...Suzanne Lagerweij - Influence Without Power - Why Empathy is Your Best Friend...
Suzanne Lagerweij - Influence Without Power - Why Empathy is Your Best Friend...
Suzanne Lagerweij
 
Burning Issue Presentation By Kenmaryon.pdf
Burning Issue Presentation By Kenmaryon.pdfBurning Issue Presentation By Kenmaryon.pdf
Burning Issue Presentation By Kenmaryon.pdf
kkirkland2
 
Pro-competitive Industrial Policy – OECD – June 2024 OECD discussion
Pro-competitive Industrial Policy – OECD – June 2024 OECD discussionPro-competitive Industrial Policy – OECD – June 2024 OECD discussion
Pro-competitive Industrial Policy – OECD – June 2024 OECD discussion
OECD Directorate for Financial and Enterprise Affairs
 
Artificial Intelligence, Data and Competition – SCHREPEL – June 2024 OECD dis...
Artificial Intelligence, Data and Competition – SCHREPEL – June 2024 OECD dis...Artificial Intelligence, Data and Competition – SCHREPEL – June 2024 OECD dis...
Artificial Intelligence, Data and Competition – SCHREPEL – June 2024 OECD dis...
OECD Directorate for Financial and Enterprise Affairs
 
Gregory Harris - Cycle 2 - Civics Presentation
Gregory Harris - Cycle 2 - Civics PresentationGregory Harris - Cycle 2 - Civics Presentation
Gregory Harris - Cycle 2 - Civics Presentation
gharris9
 
原版制作贝德福特大学毕业证(bedfordhire毕业证)硕士文凭原版一模一样
原版制作贝德福特大学毕业证(bedfordhire毕业证)硕士文凭原版一模一样原版制作贝德福特大学毕业证(bedfordhire毕业证)硕士文凭原版一模一样
原版制作贝德福特大学毕业证(bedfordhire毕业证)硕士文凭原版一模一样
gpww3sf4
 
Tom tresser burning issue.pptx My Burning issue
Tom tresser burning issue.pptx My Burning issueTom tresser burning issue.pptx My Burning issue
Tom tresser burning issue.pptx My Burning issue
amekonnen
 
Competition and Regulation in Professions and Occupations – OECD – June 2024 ...
Competition and Regulation in Professions and Occupations – OECD – June 2024 ...Competition and Regulation in Professions and Occupations – OECD – June 2024 ...
Competition and Regulation in Professions and Occupations – OECD – June 2024 ...
OECD Directorate for Financial and Enterprise Affairs
 
Pro-competitive Industrial Policy – LANE – June 2024 OECD discussion
Pro-competitive Industrial Policy – LANE – June 2024 OECD discussionPro-competitive Industrial Policy – LANE – June 2024 OECD discussion
Pro-competitive Industrial Policy – LANE – June 2024 OECD discussion
OECD Directorate for Financial and Enterprise Affairs
 
ASONAM2023_presection_slide_track-recommendation.pdf
ASONAM2023_presection_slide_track-recommendation.pdfASONAM2023_presection_slide_track-recommendation.pdf
ASONAM2023_presection_slide_track-recommendation.pdf
ToshihiroIto4
 
Mẫu PPT kế hoạch làm việc sáng tạo cho nửa cuối năm PowerPoint
Mẫu PPT kế hoạch làm việc sáng tạo cho nửa cuối năm PowerPointMẫu PPT kế hoạch làm việc sáng tạo cho nửa cuối năm PowerPoint
Mẫu PPT kế hoạch làm việc sáng tạo cho nửa cuối năm PowerPoint
1990 Media
 
Carrer goals.pptx and their importance in real life
Carrer goals.pptx  and their importance in real lifeCarrer goals.pptx  and their importance in real life
Carrer goals.pptx and their importance in real life
artemacademy2
 
Mastering the Concepts Tested in the Databricks Certified Data Engineer Assoc...
Mastering the Concepts Tested in the Databricks Certified Data Engineer Assoc...Mastering the Concepts Tested in the Databricks Certified Data Engineer Assoc...
Mastering the Concepts Tested in the Databricks Certified Data Engineer Assoc...
SkillCertProExams
 
Artificial Intelligence, Data and Competition – LIM – June 2024 OECD discussion
Artificial Intelligence, Data and Competition – LIM – June 2024 OECD discussionArtificial Intelligence, Data and Competition – LIM – June 2024 OECD discussion
Artificial Intelligence, Data and Competition – LIM – June 2024 OECD discussion
OECD Directorate for Financial and Enterprise Affairs
 
BRIC_2024_2024-06-06-11:30-haunschild_archival_version.pdf
BRIC_2024_2024-06-06-11:30-haunschild_archival_version.pdfBRIC_2024_2024-06-06-11:30-haunschild_archival_version.pdf
BRIC_2024_2024-06-06-11:30-haunschild_archival_version.pdf
Robin Haunschild
 
XP 2024 presentation: A New Look to Leadership
XP 2024 presentation: A New Look to LeadershipXP 2024 presentation: A New Look to Leadership
XP 2024 presentation: A New Look to Leadership
samililja
 
Artificial Intelligence, Data and Competition – ČORBA – June 2024 OECD discus...
Artificial Intelligence, Data and Competition – ČORBA – June 2024 OECD discus...Artificial Intelligence, Data and Competition – ČORBA – June 2024 OECD discus...
Artificial Intelligence, Data and Competition – ČORBA – June 2024 OECD discus...
OECD Directorate for Financial and Enterprise Affairs
 
Why Psychological Safety Matters for Software Teams - ACE 2024 - Ben Linders.pdf
Why Psychological Safety Matters for Software Teams - ACE 2024 - Ben Linders.pdfWhy Psychological Safety Matters for Software Teams - ACE 2024 - Ben Linders.pdf
Why Psychological Safety Matters for Software Teams - ACE 2024 - Ben Linders.pdf
Ben Linders
 
Competition and Regulation in Professions and Occupations – ROBSON – June 202...
Competition and Regulation in Professions and Occupations – ROBSON – June 202...Competition and Regulation in Professions and Occupations – ROBSON – June 202...
Competition and Regulation in Professions and Occupations – ROBSON – June 202...
OECD Directorate for Financial and Enterprise Affairs
 

Recently uploaded (20)

Collapsing Narratives: Exploring Non-Linearity • a micro report by Rosie Wells
Collapsing Narratives: Exploring Non-Linearity • a micro report by Rosie WellsCollapsing Narratives: Exploring Non-Linearity • a micro report by Rosie Wells
Collapsing Narratives: Exploring Non-Linearity • a micro report by Rosie Wells
 
Suzanne Lagerweij - Influence Without Power - Why Empathy is Your Best Friend...
Suzanne Lagerweij - Influence Without Power - Why Empathy is Your Best Friend...Suzanne Lagerweij - Influence Without Power - Why Empathy is Your Best Friend...
Suzanne Lagerweij - Influence Without Power - Why Empathy is Your Best Friend...
 
Burning Issue Presentation By Kenmaryon.pdf
Burning Issue Presentation By Kenmaryon.pdfBurning Issue Presentation By Kenmaryon.pdf
Burning Issue Presentation By Kenmaryon.pdf
 
Pro-competitive Industrial Policy – OECD – June 2024 OECD discussion
Pro-competitive Industrial Policy – OECD – June 2024 OECD discussionPro-competitive Industrial Policy – OECD – June 2024 OECD discussion
Pro-competitive Industrial Policy – OECD – June 2024 OECD discussion
 
Artificial Intelligence, Data and Competition – SCHREPEL – June 2024 OECD dis...
Artificial Intelligence, Data and Competition – SCHREPEL – June 2024 OECD dis...Artificial Intelligence, Data and Competition – SCHREPEL – June 2024 OECD dis...
Artificial Intelligence, Data and Competition – SCHREPEL – June 2024 OECD dis...
 
Gregory Harris - Cycle 2 - Civics Presentation
Gregory Harris - Cycle 2 - Civics PresentationGregory Harris - Cycle 2 - Civics Presentation
Gregory Harris - Cycle 2 - Civics Presentation
 
原版制作贝德福特大学毕业证(bedfordhire毕业证)硕士文凭原版一模一样
原版制作贝德福特大学毕业证(bedfordhire毕业证)硕士文凭原版一模一样原版制作贝德福特大学毕业证(bedfordhire毕业证)硕士文凭原版一模一样
原版制作贝德福特大学毕业证(bedfordhire毕业证)硕士文凭原版一模一样
 
Tom tresser burning issue.pptx My Burning issue
Tom tresser burning issue.pptx My Burning issueTom tresser burning issue.pptx My Burning issue
Tom tresser burning issue.pptx My Burning issue
 
Competition and Regulation in Professions and Occupations – OECD – June 2024 ...
Competition and Regulation in Professions and Occupations – OECD – June 2024 ...Competition and Regulation in Professions and Occupations – OECD – June 2024 ...
Competition and Regulation in Professions and Occupations – OECD – June 2024 ...
 
Pro-competitive Industrial Policy – LANE – June 2024 OECD discussion
Pro-competitive Industrial Policy – LANE – June 2024 OECD discussionPro-competitive Industrial Policy – LANE – June 2024 OECD discussion
Pro-competitive Industrial Policy – LANE – June 2024 OECD discussion
 
ASONAM2023_presection_slide_track-recommendation.pdf
ASONAM2023_presection_slide_track-recommendation.pdfASONAM2023_presection_slide_track-recommendation.pdf
ASONAM2023_presection_slide_track-recommendation.pdf
 
Mẫu PPT kế hoạch làm việc sáng tạo cho nửa cuối năm PowerPoint
Mẫu PPT kế hoạch làm việc sáng tạo cho nửa cuối năm PowerPointMẫu PPT kế hoạch làm việc sáng tạo cho nửa cuối năm PowerPoint
Mẫu PPT kế hoạch làm việc sáng tạo cho nửa cuối năm PowerPoint
 
Carrer goals.pptx and their importance in real life
Carrer goals.pptx  and their importance in real lifeCarrer goals.pptx  and their importance in real life
Carrer goals.pptx and their importance in real life
 
Mastering the Concepts Tested in the Databricks Certified Data Engineer Assoc...
Mastering the Concepts Tested in the Databricks Certified Data Engineer Assoc...Mastering the Concepts Tested in the Databricks Certified Data Engineer Assoc...
Mastering the Concepts Tested in the Databricks Certified Data Engineer Assoc...
 
Artificial Intelligence, Data and Competition – LIM – June 2024 OECD discussion
Artificial Intelligence, Data and Competition – LIM – June 2024 OECD discussionArtificial Intelligence, Data and Competition – LIM – June 2024 OECD discussion
Artificial Intelligence, Data and Competition – LIM – June 2024 OECD discussion
 
BRIC_2024_2024-06-06-11:30-haunschild_archival_version.pdf
BRIC_2024_2024-06-06-11:30-haunschild_archival_version.pdfBRIC_2024_2024-06-06-11:30-haunschild_archival_version.pdf
BRIC_2024_2024-06-06-11:30-haunschild_archival_version.pdf
 
XP 2024 presentation: A New Look to Leadership
XP 2024 presentation: A New Look to LeadershipXP 2024 presentation: A New Look to Leadership
XP 2024 presentation: A New Look to Leadership
 
Artificial Intelligence, Data and Competition – ČORBA – June 2024 OECD discus...
Artificial Intelligence, Data and Competition – ČORBA – June 2024 OECD discus...Artificial Intelligence, Data and Competition – ČORBA – June 2024 OECD discus...
Artificial Intelligence, Data and Competition – ČORBA – June 2024 OECD discus...
 
Why Psychological Safety Matters for Software Teams - ACE 2024 - Ben Linders.pdf
Why Psychological Safety Matters for Software Teams - ACE 2024 - Ben Linders.pdfWhy Psychological Safety Matters for Software Teams - ACE 2024 - Ben Linders.pdf
Why Psychological Safety Matters for Software Teams - ACE 2024 - Ben Linders.pdf
 
Competition and Regulation in Professions and Occupations – ROBSON – June 202...
Competition and Regulation in Professions and Occupations – ROBSON – June 202...Competition and Regulation in Professions and Occupations – ROBSON – June 202...
Competition and Regulation in Professions and Occupations – ROBSON – June 202...
 

Armour Intelligence: Actionable Intelligence explained

  • 1. Dexterity and quick thinking in a changing world Actionable Intelligence explained May 2014
  • 2. CONFIDENTIAL & NOT FOR EXTERNAL DISTRIBUTION To explain the importance of actionable intelligence so as to increase our ability to combat fraud Our aim
  • 3. Actionable Intelligence “We can get to the truth of the matter when other people cannot; we can turn information that may at first seem pretty random into actionable intelligence” “The data analytics provide a good guidance and means of filtering. But, at best, all they can say is, this is likely to be fraudulent”
  • 4. Context Fraud is rising, and the nature of it is shifting  Overall impact in 2012 – 2013* = £52billion, made up of:  £21 bn Public Sector  £21 bn Private Sector  £10 bn Individuals  Charity? £147.3 million – e.g. 17% of lottery funds  Hard crime is reducing, but fraud is increasing in the following markets:  Life insurance  Motor insurance  Home insurance *source: National Fraud Indicator 2013
  • 5. Progress  There are initiatives that are having an impact, e.g. the City of London Police’s Insurance Fraud Enforcement Department (IFED), Action Fraud and the National Crime Agency (NCA) - But is it a losing battle?  In order to succeed in deterring fraudulent activity from being committed, we strongly recommend you to:  Lower the pain threshold  Stigmatise fraud  Advertise your deterrence  Prosecute at every opportunity It is up to you. You are the front line.
  • 6. Monday 28 October 2013 Danyal Buckharee was jailed for 3 years after starting up First Car Direct Insurance and three other websites, the UK’s biggest fraudulent car insurance scheme. Giovanni Recchia helped Buckharee run the fake website and was jailed the same day. The pair conned 600 people into paying up to £680,000 for worthless insurance. The rise of the ‘Ghost Brokers’
  • 7. Buckharee (left) was sentenced to three years in jail. Below, the ‘office’ where he began his fraudulent business – an apartment in South London where the crooks used an iPod to create the illusion of background office noise. Actionable Intelligence in the news: Ghost broker jailed for UK’s biggest fake car insurance scam
  • 8. How to spot a ‘Ghost broker’?  Ghost brokers often communicate with customers via free internet messaging on mobile phones, such as BlackBerry messaging and WhatsApp.  Customers are usually asked to pay for policies in cash or by bank transfer, although some of the more elaborate scams offer payment by instalments to make the transaction seem more genuine.  Ghost brokers have been found to operate from specified websites and more increasingly on the classified advert websites such as Gumtree.
  • 9. Using Actionable Intelligence to combat the Ghost Broker  Step 1: Assess the evidence  How have they contacted you?  Payment type?  Step 2: Intelligence checks  Is the subject company reputable? Visit website, Social Media sites and most importantly, read customer reviews online. If other people have encountered problems it is very likely they have shared them online.  Step 3: Action Research and Intelligence  If a deal seems dodgy, it probably is.  Step 4: Report to the IFED, NCA or Action Fraud.  Ghost broker reported and evidence acquired by authorities.  Outcome: Ghost broker avoided and reported
  • 10. E-mail Fraud  We are seeing a growing prevalence of fraudsters using hacked email accounts to ask for money for fake emergencies. The fraud indicators can be overlooked but are usually fairly obvious. Look out for:  Writing Style  Unplanned holidays  “Emergencies”  Money transfers From: Louise Chaplain [mailto:louise_chapln@hotmail.com] Sent : 24 October 2013 12:12 Subject : Help............Louise Chaplin Just hoping this email reaches you well, I'm sorry for this emergency and for not informing you about my urgent trip to Warszawa,Poland but I just have to let you know my present predicament. Everything was fine until I was attacked on my way back to the hotel, I wasn't hurt but I lost my money, bank cards, mobile phone and my bag in the course of this attack. I immediately contacted my bank in order to block my cards and also made a report at the nearest police station. I've been to the embassy and they are helping me with my documentation so i can fly out but I'm urgently in need of some money to pay for my hotel bills and my flight ticket home, will definitely REFUND as soon as back home . Kindly let me know if you would be able to help me out so I can forward you the details required for a wire transfer. Waiting to hear back from you... Thank You. Louise
  • 11. What is Actionable Intelligence? Information*: Facts or opinions provided or learned about something or someone. Intelligence*: The collection of information of military or political or commercial value Actionable Intelligence* The necessary background information that will enable someone to deal quickly and efficiently with a particular situation *Source : Oxford English Dictionary *Source: Collins English Dictionary
  • 12. What is Actionable Intelligence? Information that is:  Relevant to your purpose  Accurate  From reliable sources  And, most importantly, timely:  Speed has a quality of its own  Timing is key in prevention and deterrence
  • 13. Actionable Intelligence: The Process  Assemble the facts. What are you dealing with?  What do you want/need to do about it?  What information do you need to know?  Where can you get it and how?  Assets - Open source, analytics, HUMINT (Human Intelligence)  Constraints e.g. costs  Operating within the Law:  Investigators  Data protection
  • 14. Information and Intelligence from Open Source Research Note – this list is not exhaustive! Channels and sources for intelligence include: • Newspapers - National/Local/Free • Birth, Death, Marriage Records - Local Registry Office/Church Records • Phonebooks - Yellow Pages/White Pages/Thompson Local • www. - Search Engines/Social networking sites • e.g. Google/Bing/Ask/Lycos/Yahoo • Meta & Mega Search Tools • - IncyWincy/Metacrawler • People and Company Finders • - 192/peopletracer/Zoopla/123people/Company House Worldwide • Web 2.0, Social Media and Real-Time • - Twitter/Facebook/Instagram • /MySpace/Bebo • News - Online Newspapers/TV News • Image and video search - Flickr/Photobucket/YouTube • Maps/Geographic - Crime Mapper/Google Earth • Username Search - Peekyou/Snitch.name
  • 15. Actionable Intelligence: The Process  What do you do with it?  Collate  Analyse. Deduce. Ask questions.  Intelligence Pack  Targeted investigations  Follow up leads  Establish ground truth and intent  Produce a report - to evidential standard  Sense check. Independent verification.  Act on it:  Pass to requester  Follow up  Collateral intelligence  Store refresh and exploit
  • 16. The Example: Track and Trace AI was asked by one of our clients to Trace and Interview a previously non- cooperative policy holder  Step 1: Review already held material  Step 2: Identify intelligence gaps  Step 3: Antecedence checks e.g. subject profiling and open source research. Checks on all known addresses, workplace location, Social Media to confirm known connections, general search – newspapers, records  Step 4: We sent an investigator to cold call, policy address and associated addresses  Step 5: The policy holder’s address was vacant, however a cold call on an address we identified as the policy holder’s parents proved successful with them calling the policy holder who then met and was interviewed by our investigator Outcome: Contact with formerly elusive subject made. Our client was able to repudiate the claims presented.
  • 17. The Example: Person Trace AI was instructed to conduct a person trace investigation relating to an individual who owed our client money for an unpaid loan.  Step 1: Reviewing the evidence already held (minimal)  Step 2: Conducting extensive online research, including examining both open and closed publicly accessible databases, media databases and conducting other open source research  Step 3: Evidence produced of the subject’s whereabouts, known property, employment, business interests and other information of interest  Step 4: Recommendation produced backing up the evidence confirming that the subject can be traced through enquiries at his work place Outcome: Recommendation and statement of confidence produced for client determined that the subject’s lifestyle and work indicated his ability to afford the repayments on his outstanding debt. By using Actionable Intelligence we traced the subject to a workplace in Scotland, while the original intelligence listed his home being in southern England.
  • 18. Conclusion  Fraud is growing and affects everyone  You need a prevention rather than a cure  Deterrence is key  There is too much information out there  Work out what you need to know, why, and how it can help you  Use every available [legal] source  Do not discard collateral intelligence  Follow through  Fast!
  • 19. Armour Intelligence About AI  Specialties:  Insurance Investigations, Security Assurance, Risk Reviews  Proven track record in investigations work  Assignments for UK Government and major UK insurers; finding resolution in over 85% of all cases handled Why use AI?  Our staff – the best of a very special breed, with professionalism, training, experience and determination  Our approach – flexible and innovative, while maintaining AI standard  Real time reporting; evidential standard – cases are investigated and reported to a standard admissible in prosecutions  Speed and certainty of response – 48 hour response time. 80%+ case recommendation in 5 working days.
  • 20. AI Online For more information on Actionable Intelligence, or any of our other specialities, get social with us at: http://www.linkedin.com/company/armour-intelligence/ https://twitter.com/ArmourIntel www.armourintelligence.com Continue to the next slide to watch our CEO, David Montgomery, discuss what Actionable Intelligence does that Big Data cannot.