Fraud Prevention / Meta Backman 1 DT Fraud Conference – Banking and Payments rd & 24 th March 2016 Grange Hotel - Tower Bridge – London Fraud Prevention challenges in the Airline industry CONFIDENTIAL

Fraud Prevention / Meta Backman 2 FRAUD PREVENTION TARGETS AND CHALLENGES IMPORTANCE OF DATA SHARING AND NETWORKING ACTIONS TAKEN CASE STUDIES

Fraud Prevention / Meta Backman 3 BOOKING MADE ON AIRLINE WEBSITE, FOR THE PERSON HIMSELF OR FOR OTHER PERSON ELECTRONIC TICKET SENT TO ADDRESS CHECK IN DONE ONLINE ON AIRLINE WEBSITE PASSENGER GOES TO DEPARTURE GATE CREDIT CARD BILL SENT TO CARDHOLDER GENUINE FLIGHT TICKET PURCHASE ONLINE E-TICKET

Fraud Prevention / Meta Backman 4 BOOKING MADE ON AIRLINE WEBSITE, FOR THE PERSON HIMSELF OR FOR OTHER PERSON ELECTRONIC TICKET SENT TO ADDRESS CHECK IN DONE ONLINE ON AIRLINE WEBSITE PASSENGER GOES TO DEPARTURE GATE CREDIT CARD BILL SENT TO CARDHOLDER FRAUDULENT FLIGHT TICKET PURCHASE ONLINE STOLEN CARD DETAILS WERE USED IN BOOKING E-TICKET

Fraud Prevention / Meta Backman 5 SAMPLE OF FRAUD PASSENGER: NADEEM MxxxxxxxL CARDHOLDER:NADEEM MxxxxxxxL BOOKING DATE:17MAR2016 DEPARTURE DATE:17MAR2016 ROUTE:HELSINKI TO AMSTERDAM IP ADDRESS: PAYMENT:CA 5191XXXXXXXXXXXX ADDRESS:56 POPLAR ST//CHATHAM///CA NEW BOOKING FOR 18MAR2016 WITH CARD ISSUED IN NEW BOOKING IN NAME MxxxxxxxL NADEEM WITH CARD

Fraud Prevention / Meta Backman 6 3rd PARTY BOOKING PASSENGERS: IXXXXX EHERI MS & DXXXX EHERR CHD CARDHOLDER:MXXXX EHERR PHONE:44XXXXXXX BOOKING DATE:10MAR2016 DEPARTURE DATE:10MAR2016 ROUTE:HEATHROW TO HELSINKI IP ADDRESS: PAYMENT:VI 4539XXXXXXXX ADDRESS:5 GXXX RD/LONDON/SW17XXX/GB NONE OF THESE DETAILS FOUND IN FRAUD DATABASE

Fraud Prevention / Meta Backman 7 FRAUD DATA BASE PREVIOUS FRAUDULENT BOOKINGS FOUND WITH SLIGHTLY CHANGED NAMES: Dxxxx EHERO CHD& Ixxxxx EHERO MS Ixxxx EHER MS& Dxxx EHER MS Dxxxx EHEE CHD& Ixxxxx EHEE MS Ixxxxx EHER MRS

Fraud Prevention / Meta Backman 8 1st PARTY BOOKING PASSENGER: FRANCOIS LAxxxxxxTE CARDHOLDER:FRANCOIS LAxxxxxxTE PHONE:33XXXXXXX BOOKING DATE:19FEB2016 DEPARTURE DATE:22FEB2016 ROUTE:PARIS TO PHUKET IP ADDRESS: PAYMENT:VI 4974XXXXXXXX ADDRESS:83 RUE XXXX//CREIL//60100/FR NONE OF THESE DETAILS FOUND IN FRAUD DATABASE

Fraud Prevention / Meta Backman 9 TARGETS DETECT FRAUD BEFORE FLIGHT TICKET ISSUED CANCEL FRAUDULENT TRANSACTION DETECT FRAUD BEFORE DEPARTURE AVOID CHARGEBACK HELP LAW ENFORCEMENT ARREST FRAUDSTER

Fraud Prevention / Meta Backman 10 SOME CHALLENGES NO INCONVENIENCE TO GENUINE PASSENGERS NO LOSS OF SALES DIFFICULT TO DETECT FRAUD LIMITED TIME NO KNOWLEDGE OF WHO MADE THE BOOKING THIRD PARTY PAYMENT NO DIRECT CONTACT TO CARDHOLDER DEPENDENCY ON CARD ISSUER’S CO-OPERATION ALLIANCE BOOKINGS PASSENGER CLAIMS INNOCENCE WHEN STOPPED

Fraud Prevention / Meta Backman 11 BIGGEST CHALLENGES NO INCONVENIENCE TO GENUINE PASSENGERS NO LOSS OF SALES DIFFICULT TO DETECT FRAUD LIMITED TIME NO KNOWLEDGE OF WHO MADE THE BOOKING THIRD PARTY PAYMENT NO DIRECT CONTACT TO CARDHOLDER DEPENDENCY ON CARD ISSUER’S CO-OPERATION ALLIANCE BOOKINGS PASSENGER CLAIMS INNOCENCE WHEN STOPPED

Fraud Prevention / Meta Backman 12 SOLUTIONS SHARING DATA NETWORKING

Fraud Prevention / Meta Backman 13 SOME CHALLENGES GLOBAL PROBLEM YOU CANNOT FIGHT A NETWORK WITHOUT A NETWORK

Fraud Prevention / Meta Backman 14 AIRLINE NETWORK FRAUD PREVENTION GROUPS CONTACT LIST OF AIRLINES GLOBALLY SHARING FRAUD DATA SHARING INFORMATION ON CLOSED FORUM

Fraud Prevention / Meta Backman 15 ISSUER/AIRLINE NETWORK CONFIRMATION REQUESTS BY AIRLINES FRAUD DETECTED FRAUD SUSPICION CARDHOLDER NAME CONFIRMATION FRAUD REPORTS BY ISSUERS FRAUD DETECTED ISSUER CONTACT LIST

Fraud Prevention / Meta Backman 16 POLICE/AIRLINE NETWORK REPORTING CREDIT CARD FRAUD AT HOME BASE LEGISLATION ISSUES TRANSIT PASSENGERS INDIVIDUAL CASE NOT SIGNIFICANT ENOUGH WORKING WITH GLOBAL LAW ENFORCEMENT EUROPOL ACTION DAYS WORKING WITH GLOBAL LEA ON DAILY BASIS ACTION DAY CONTACT LIST

Fraud Prevention / Meta Backman 17 ACTION DAYS (I) 2014 (II) 2015 (I) 2015 (II) TOTAL AIRPORTS COUNTRIES AIRLINES PASSENGERS DETAINED IN ALL CASES CREDIT CARD FRAUD WAS FOUND TO BE A FACILITATOR OF OTHER CRIME INCLUDING ILLIGAL IMMIGRATION, TRAFFICKING OF HUMAN BEINGS (THB), DRUGS, FAKE TRAVEL AGENCIES, IDENTITY THEFT, FINANCIAL CRIMES ETC

Fraud Prevention / Meta Backman 18 SAMPLE FOR NETWORK PASSENGER: OLUWAFEMI S Ixxxxxxxx CARDHOLDER:OLUWAFEMI S Ixxxxxxxx PHONE: BOOKING DATE:17JAN2016 DEPARTURE DATE:23JAN2016 ROUTE:MADRID TO STOCKHOLM IP ADDRESS: PAYMENT:CA 5341XXXXXXXX ADDRESS:VIA PISONIANO XX/GUIDONIA/BG ADDRESS FOUND IN FRAUD DATABASE 76 TIMES

Fraud Prevention / Meta Backman

THANK YOU 20 Fraud Prevention / Meta Backman