Independent Banker - October 2017 - 75
Nuts & Bolts
PAYMENTS TECHNOLOGY OPERATIONS
CYBERSECURITY WORLD
Mistaken identity
Like those of their larger counterparts, community banks' customers are
increasingly falling prey to identity fraud. Is there more that community
banks can do to mitigate the risk of this type of fraud?
By Karen Epper Hoffman
C
ommunity banks have always prided themselves on knowing their customers. And yet, just like large
banks, community banks and their customers are feeling the sting of identity theft.
Identity theft, or identity fraud, is nothing new. Since before the mainstream internet even existed,
crooks have been stealing personal information, including addresses, phone numbers, Social Security
numbers and other data, to hijack customer accounts or create fake accounts in order to defraud
banks. However, where fraudsters used to steal mail and use phone scams to collect the information they needed,
they now rely more on spear-phishing emails, fake websites or culling personal details from social media sites
to flesh out their scams. Application fraud is " a major problem for large financial institutions and is becoming a
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Independent Banker - October 2017
Table of Contents for the Digital Edition of Independent Banker - October 2017
Table of Contents
Independent Banker - October 2017 - Intro
Independent Banker - October 2017 - Cover1
Independent Banker - October 2017 - Cover2
Independent Banker - October 2017 - Table of Contents
Independent Banker - October 2017 - 2
Independent Banker - October 2017 - 3
Independent Banker - October 2017 - 4
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Independent Banker - October 2017 - Cover3
Independent Banker - October 2017 - Cover4
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