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FFIEC Business Account Guidance (PDF brochure)
Risk Assessment & Layered Security
for Online Business Transacations
New financial standards will assist banks
and business account holders to make online banking safer and more secure from
account hijacking and unauthorized funds transfers.
FFEIC Consumer Guidance (PDF brochure)
Important Facts About Your
Account Authentication & Online Banking
Multi-factor
authentication and layered security are helping assure safe Internet transactions
for banks and their customers.
Fighting Spyware (visit the Microsoft website)
Spyware is software
that collects personal information without your knowledge or
permission. You might be the target of spyware or other unwanted
software if you download music from file-sharing programs, free
games from sites you don't trust, or other software from an
unknown source. Learn more about the symptoms of spyware and
other unwanted software and how you can help to protect your
computer.
Lavasoft's
Adware (visit the the Lavasoft website)
With its ability to
scan your RAM, Registry, hard drives, and external storage
devices for known data mining, advertising, and tracking
components, Ad-aware can easily rid your system of these
tracking components, allowing you to maintain a higher degree of
privacy while you surf the Web.
Spybot Search and Destroy (visit the the Safer
Networking website)
Spybot - Search &
Destroy can detect and remove a multitude of adware files and
modules from your computer. For advanced users, it allows you to
fix Registry inconsistencies related to adware or malicious
program installations. While not as "user-friendly" as
Lavasoft's AdAware (see above), this program appears to be more
thorough.
FTC Names Its Dirty Dozen
(download the PDF)
Email boxes are
filling up with more offers for business opportunities than any
other kind of unsolicited commercial email. That's a
problem, according to the Federal Trade Commision (FTC), because
many of these offers are scams. The FTC has identified the
12 scams that are most likely to arrive in consumers' email
boxes.
Privacy:
What You Do Know Can Protect You (download the
PDF)
Our economy generates an enormous amount of data. Most users
of that information are from honest businesses—getting and
giving legitimate information. Despite the benefits of the
information age, some consumers may want to limit the amount of
personal information they share. And they can: More
organizations are offering people choices about how their
personal information is used. For example, many feature an
“opt-out” choice that limits the information shared with others
or used for promotional purposes. When you “opt-out,” you may
cut down on the number of unsolicited telemarketing calls,
promotional mail and spam emails that you receive. Learn more
about the options you have for protecting your personal
information by contacting the following organizations.
Consumer
Safety Tips for Online Banking (download the
PDF)
Fair Isaac’s CardAlert Fraud Manager Team recently reported
on the presence of POP-UP window scams (see Issue 04.05) that
were designed by computer hackers to steal the personal
information of consumers who perform banking and various other
commerce related activities online. The positive feedback
received from Issue 04.05 prompted the creation of the following
list of online banking safety tips for consumers. Many of
these online safety tips have been created based upon our
experience with the abundance of counterfeit debit card cases
that are originating from internet related attacks all over the
United States.
Email Address
Harvesting (download the PDF)
Is your in-box clogged with junk email messages from people
you dont know? Are you overwhelmed by unsolicited email offering
products or services you dont want? It's no wonder. According to
research by the Federal Trade Commission (FTC) and several law
enforcement partners, its harvest time for spammers. But, the
consumer protection agency says, the good news for computer
users is that they can minimize the amount of spam they receive.
View some simple
suggestions from the FTC
How Not To Get Hooked By A 'Phishing'
Scam (download the PDF)
Internet scammers casting about for peoples financial
information have a new way to lure unsuspecting victims: They go
"phishing". Phishing, also called "carding", is a high-tech scam
that uses spam to deceive consumers into disclosing their credit
card numbers, bank account information, Social Security numbers,
passwords, and other sensitive information. See the FTC
Consumer Alert:
Is Someone "Phishing" for Your Information?
How
Stop Pop Up Spam (download the PDF)
According to the Federal Trade Commission (FTC), the nation’s
consumer protection agency, you can block unwanted pop up
messages and better protect your computer from hackers. It’s as
simple as turning off the Microsoft Windows feature that allows
pop up messages, or installing and running a firewall.
Identity Theft
Prevention (download the PDF)
Identity theft occurs when a person unlawfully obtains and
uses the identity of another person to commit a fraud, theft or
deception. By wrongfully acquiring another’s personal data such
as social security number, mother’s maiden name, bank account
number or credit card number, identity thieves can perform many
acts, most commonly opening bank or credit card accounts in the
victim’s name. Identity thieves are both creative and bold . . .
they have even secured auto loans in the victim’s nameIdentity
theft occurs when a person unlawfully obtains and uses the
identity of another person to commit a fraud, theft or
deception. By wrongfully acquiring another’s personal data such
as social security number, mother’s maiden name, bank account
number or credit card number, identity thieves can perform many
acts, most commonly opening bank or credit card accounts in the
victim’s name. Identity thieves are both creative and bold . . .
they have even secured auto loans in the victim’s name.
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