Managing False Information NiiBen C. A. Ayivorh AML/CFT Consultant Nii-Int’l L.L.C

Identification  Drivers License  Passport  National ID Card  Voters Registration Card

Integrity of Identification  How do you Verify PII  Method of Verification &Certification  Signature Cards  Social Security Card  Birth and Death Data

Methods and Evolution  Why  Methods  Indicators of the Crime  How to Detect the Crime  How to Mitigate the risk  How to Protect (Personal Information)

 Credit card fraud  Drugs  Bank Fraud  loan fraud  counterfeit checks  loan fraud Why Multiple Identity

Methods and Evolution  Washing Checks  Tracing Credit Card  Dumpster Diving  Mail Box Heist  counterfeit checks  loan fraud (Personal Information)

Information Collection  Restaurants  Trash Cans  Hackers Underground Auction Sites

Online/ Mail

Regular Mail (419 Letters)

Money Transfer (Insider)

Technology

 Fake ATM  Data Collection  Account numbers  PINs ATM Invasion

Health Fraud

Charity Fraud

Mobile Phone Fraud

Emergency Fraud

Job and Employement Fraud

Public Sources Corporate information – officers – incorporation information – financial information – address – type of business – affiliated companies – phone numbers

Other Sources Ex-wives/husbands Local community groups Associations Trade Magazines Newspaper articles Who’s who Magazines Trash Covers Mail Covers Neighbors co-workers business associates

Internet Trojian SW

Hijack Internet Security Help!

Dear valued customer, We have launched our new and secured online banking site. This process is in line with the cbn cashless policy To Recipients Today at 1:13 PM

Hijack Internet Security Help! To Me Apr 11 at 9:08 PM Good Day Sir/Madam, Fund transfer request was raised in your favour by our customer at Zenith Bank Nigeria Plc Victoria Island Lagos. Kindly check your account details on the attachment,to confirm if your account details corresponds with the one the attachment.

Hijack Internet Security Help! Taking effect from today you will not be able to log into your online banking account and your firstonline account will be terminated if you fail to migrate to the new site accordingly. KINDLY FOLLOW THE BELOW INSTRUCTION 1. Go to online.com/corp/. 2.Enter Your Current USERID & PASSWORD & a TOKEN CODE 3. It is mandatory to enter the code generated by your FBN hardware token device

Internet Security Help! 4. Lastly, Provide the Answer to your secret questions 5. Please kindly move this message to your inbox folder if found in your junk KINDLY NOTE THAT YOU ARE REQUIRED TO IN PUT YOUR TOKEN CODE FOR SUCCESSFUL UPDATES TO OUR NEW SITE You must Synchronize your token to avoid locking of your token thereby making it impossible to carry out transactions online.

How do you manage Theft? Nigeria Government? Financial Institution? Law Enforcement? FIU? EFCC?

 Private Entity (Vetted) (Life Lock)  Government Oversight  Bank Out Reach: KYC of Habits and travels  Update Government Data  Information protection & Sharing Policy Solutions

 Public Awareness PII (Personal Identifiable Information)  Control Equipment Credit Card Machine, ID Photo making Machine etc.. Solutions

 Bankruptcy records  Civil and Criminal Court Records  Divorce and Legal Separation Records  Liens and Judgment Records  Assets  Property ownership  cars  boats Public Source Databases

Public Information - continued  Professional license – medical, dental, insurance, stock brokers, attorney, CPA, Notery Licenses – Liquor license  telephone numbers  weapons permits  hunting/fishing license  Death records  Building permits  grantor and grantee records

Public Records - continued  Tax records  property ownership  liens  judgments  business records - corporation record  phone records

And the list goes on and on…

Questions?????