2nd Annual Financial Wellness Conference

by Money Management Counselors

Ken M. Shaurette, CISSP, CISA, CISM, CRISCFIPCO a subsidiary of the Wisconsin Bankers Association

Stop, Think, Connect - Beware the Digital Pickpocket

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Video Value of Banking

Banking Video….. CLICK HERE

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The 5 Most Attacked Industries

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Most Common Attack

Account for over 60 Percent of Attacks!!

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Students at a middle school in Alaska managed to trick teachers into providing their credentials . – About 18 students were 12 and 13 years old, used to

take over student computers. No Confidential data. High school senior in Seattle plead guilty that he

installed spyware on school computers in order to boost his grades.– Passwords gave him access to the tests and the ability

to boost his grades. April 2013 Oshkosh, WI Police warn about ATM

skimming devices

Real Incidents

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Physical versus Cyber• If We can see value when something is

tangible – physical…..You’d never hand over your credit card number or bankcard and pin to a friend

• Why can’t We see value when something isn’t – physical?

Shared email, Facebook, Twitter, and LinkedIn passwords; cell phone account password…

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November 1, 2013

• Imagine getting a phone message like this: (or email)This is the Civil Investigations Unit. We are contacting you in regards to a complaint being filed against you, pursuant to claim and affidavit number D00D-2932, where you have been named a respondent in a court action and must appear… Please forward this information to your attorney in that the order to show cause contains a restraining order. You or your attorney will have 24 to 48 hours to oppose this matter… Call 757-301-4745.

http://www.consumer.ftc.gov/blog/haunted-phantom-debt

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What to Do ?Know your rights! •Ask the debt collector to provide official "validation notice" of the debt. Hang up if they won’t provide!!•Fake? Ask for name, company, street address, and telephone number. Then, confirm that the collection agency is real. •Do not provide or confirm any bank account, credit card or other personal information over the phone (or in an email) until you have verified the call. •Don’t ever send it in an unsecure email!!

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What to Do ?Know your rights! •Banks and legitimate organization do not typically collect confidential information using email.•You can always go direct to the organization like your bank to make sure it is legitimate.•Be Cautious, Be Paranoid, Be Careful!! •Beware & Be Aware

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What to Do ?Know your rights! •Check your credit report annualcreditreport.com or calling (877) 322-8228. •If the scammer has a great deal of personal information about you, be safe and place a fraud alert on your credit report.•File a complaint with the Federal Trade Commission if the caller uses threats. The Fair Debt Collection Practices Act prohibits debt collections from being abusive, unfair or deceptive.

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Preventing Scam Losses…..

• Do you sell items on Ebay, Craigslist, etc..?CLICK HERE

Fox Contact 6: Spear Phishing

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Spying with Your Web Camera• The Remote Administration Tool (RAT) is the

revolver of the Internet's Wild Wild West.• Webcam spying goes mainstream as Miss Teen

USA describes hack – August 2013

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Preventing CyberSpying…..

• Look around you right now. Do you have a camera or your laptop nearby? How about your cell phone? If so, who’s watching you?

CLICK HEREFox Contact 6: Cyber Spying

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Credit Card Theft…..

• Do you have a credit card?• Look at your Credit Cards now.

CLICK HERE

Snoopes: Digital PickpocketsRoughly 50% in some states the Credit Cards are RFID equipped.

Latest Cell Phones can steal the information.

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PhishingTips to avoid being hooked on a Phishing scam, Don't:–Reply to email or pop-up messages asking you for personal or banking information.–Email personal or banking information.–Click on emails or messages you don’t expect or need.

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Answers – Caution & Paranoia

• Hopefully you weren’t looking for an answer to protect you from you.

• The industry doesn’t have a technology answer yet, but you can be either part of the solution or part of the challenge.

• Be Aware & Beware