How to Protect Yourself from ID Theft and Social Engineering Jeffrey Hall, CFI
Recent Data Breaches Equifax (2017) Anthem (2015) 143mm people impacted Customer names, SS numbers, birth dates, addresses Anthem (2015) 79mm people impacted Anthem Blue Cross and Blue Shield Customer names, birth dates, medical ID’s, SS numbers, addresses, and employment information JP Morgan Chase (2014) 83mm accounts (business and consumer) Customer names, email address, postal addresses, and phone numbers
Is My Personal Information Affected? Equifax web site is delivering inconsistent results to potentially impacted members https://www.equifaxsecurity2017.com/potential-impact Have I Been Pwned? https://haveibeenpwned.com/ Recommendation: Operate under the assumption that your personally identifiable information (PII) has been compromised either in the recent Equifax breach or other large past data and email compromises
Next Steps to Protect Against ID Theft Take advantage of the free identity-monitoring service (TrustedID Premier) that Equifax is offering Equifax has clarified that you give up no legal rights by enrolling with the service Contact the 3 credit bureaus to place a credit freeze on your credit file You can unfreeze your credit file when you legitimately apply for credit https://www.freeze.equifax.com/Freeze/jsp/SFF_PersonalIDInfo.jsp https://www.experian.com/freeze/center.html https://www.transunion.com/credit-freeze/place-credit-freeze Place a 90 day fraud alert on your credit file Equifax 1-888-766-0008 Experian 1-888-397-3742 TransUnion 1-800-680-7289 Get a free credit report from each agency https://www.annualcreditreport.com
Credit Freeze and Fraud Alert Don’t forget to include your phone number when placing an alert
Multifactor Authentication (MFA) Multifactor authentication (MFA) is a security system that requires more than one method of authentication from independent categories of credentials to verify the user’s identity for a login or other transaction. This is usually done by requiring something you know (password) and something you possess (a challenge code) Challenge code can be sent by SMS (text), email or voice I recommend SMS over the other two methods Drawbacks to voice challenge code If the phone is a landline, someone in the home can intercept the call I have seen examples of suspects forwarding/hijacking a phone line Drawbacks to email challenge code Breached data or malware can lead to hacked email If you use SMS, ensure that you don’t display message on locked screen
More MFA TIPS
What Applications Should Use MFA? Financial Services Online banking, investment and retirement accounts Mobile Banking may only require MFA when there is an unrecognized device Always have your cell phone screen lock set Email Social Media Health Care Medical and Dental insurance Online retailers that have your information stored Amazon Utilities To include broadband and cell service
Social Engineering following Data Breach Expect a big increase in targeted spear phishing campaigns Criminals will purchase compromised information on the dark web and than start building dossiers on the people who’s information they have purchased Do not ever click links in emails from untrusted sources Hover your cursor over any links to see the actual URL Do not ever click on links in text messages If you receive any links from unknown senders – delete immediately Confirm with your friends if they are the senders Clicking on a malicious link in your phone can result in the phone being hacked Do not ever release any PII over the telephone. If an organization calls you requesting information, instead go to the web and get their contact info and call them directly
Social Media Privacy Settings
Social Media Security and Login
Social Engineering on Social Media
Social Engineering on Social Media
Social Engineering on Social Media Social engineers will try to obtain personal information about you from social media posts Information that they are looking for could be answers for standard challenge questions: What is your favorite food? What is your favorite band? What was the color of your first car? Being able to identify your birthdate or family members will help social engineers locate you on free search websites Social Engineers will now be able to answer standard challenge questions or out of wallet verification questions from information they obtained from you on social media and free people search websites Protect your private information as if it were a valuable asset because it is