1. Fraud Prevention / Meta Backman 1 DT Fraud Conference – Banking and Payments 2016 23 rd & 24 th March 2016 Grange Hotel - Tower Bridge – London Fraud Prevention challenges in the Airline industry CONFIDENTIAL 22.3.2016

2. Fraud Prevention / Meta Backman 2 FRAUD PREVENTION TARGETS AND CHALLENGES IMPORTANCE OF DATA SHARING AND NETWORKING ACTIONS TAKEN CASE STUDIES 22.3.2016

3. Fraud Prevention / Meta Backman 3 BOOKING MADE ON AIRLINE WEBSITE, FOR THE PERSON HIMSELF OR FOR OTHER PERSON ELECTRONIC TICKET SENT TO EMAIL 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

4. 22.3.2016 Fraud Prevention / Meta Backman 4 BOOKING MADE ON AIRLINE WEBSITE, FOR THE PERSON HIMSELF OR FOR OTHER PERSON ELECTRONIC TICKET SENT TO EMAIL 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

5. Fraud Prevention / Meta Backman 5 SAMPLE OF FRAUD PASSENGER: NADEEM MxxxxxxxL CARDHOLDER:NADEEM MxxxxxxxL EMAIL:NADEEMMxxxxxxL10@YAHOO.COMNADEEMMxxxxxxL10@YAHOO.COM BOOKING DATE:17MAR2016 DEPARTURE DATE:17MAR2016 ROUTE:HELSINKI TO AMSTERDAM IP ADDRESS:27.131.166.134 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 22.3.2016

6. Fraud Prevention / Meta Backman 6 3rd PARTY BOOKING PASSENGERS: IXXXXX EHERI MS & DXXXX EHERR CHD CARDHOLDER:MXXXX EHERR EMAIL:BESTRAVEL@USA.COMBESTRAVEL@USA.COM PHONE:44XXXXXXX BOOKING DATE:10MAR2016 DEPARTURE DATE:10MAR2016 ROUTE:HEATHROW TO HELSINKI IP ADDRESS:31.55.35.243 PAYMENT:VI 4539XXXXXXXX ADDRESS:5 GXXX RD/LONDON/SW17XXX/GB NONE OF THESE DETAILS FOUND IN FRAUD DATABASE 22.3.2016

7. 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 22.3.2016

8. Fraud Prevention / Meta Backman 8 1st PARTY BOOKING PASSENGER: FRANCOIS LAxxxxxxTE CARDHOLDER:FRANCOIS LAxxxxxxTE EMAIL:LAXXXXXXTE.FRAN@GMAIL.COM PHONE:33XXXXXXX BOOKING DATE:19FEB2016 DEPARTURE DATE:22FEB2016 ROUTE:PARIS TO PHUKET IP ADDRESS:82.234.65.9 PAYMENT:VI 4974XXXXXXXX ADDRESS:83 RUE XXXX//CREIL//60100/FR NONE OF THESE DETAILS FOUND IN FRAUD DATABASE 22.3.2016

9. 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 22.3.2016

10. 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 22.3.2016

11. 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 22.3.2016

12. Fraud Prevention / Meta Backman 12 SOLUTIONS 22.3.2016 SHARING DATA NETWORKING

13. 22.3.2016 Fraud Prevention / Meta Backman 13 SOME CHALLENGES GLOBAL PROBLEM YOU CANNOT FIGHT A NETWORK WITHOUT A NETWORK

14. Fraud Prevention / Meta Backman 14 AIRLINE NETWORK 22.3.2016 FRAUD PREVENTION GROUPS CONTACT LIST OF AIRLINES GLOBALLY SHARING FRAUD DATA SHARING INFORMATION ON CLOSED FORUM

15. Fraud Prevention / Meta Backman 15 ISSUER/AIRLINE NETWORK 22.3.2016 CONFIRMATION REQUESTS BY AIRLINES FRAUD DETECTED FRAUD SUSPICION CARDHOLDER NAME CONFIRMATION FRAUD REPORTS BY ISSUERS FRAUD DETECTED ISSUER CONTACT LIST

16. Fraud Prevention / Meta Backman 16 POLICE/AIRLINE NETWORK 22.3.2016 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

17. Fraud Prevention / Meta Backman 17 ACTION DAYS 2013 -2015 22.3.2016 20132014 (I) 2014 (II) 2015 (I) 2015 (II) TOTAL AIRPORTS 386880140109 COUNTRIES 1632454933 AIRLINES 2335455749 PASSENGERS DETAINED 4371118130133495 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

18. Fraud Prevention / Meta Backman 18 SAMPLE FOR NETWORK PASSENGER: OLUWAFEMI S Ixxxxxxxx CARDHOLDER:OLUWAFEMI S Ixxxxxxxx EMAIL:THOKEU@YMAIL.COMTHOKEU@YMAIL.COM PHONE:359652565656 BOOKING DATE:17JAN2016 DEPARTURE DATE:23JAN2016 ROUTE:MADRID TO STOCKHOLM IP ADDRESS:62.212.111.246 PAYMENT:CA 5341XXXXXXXX ADDRESS:VIA PISONIANO XX/GUIDONIA/BG EMAIL ADDRESS FOUND IN FRAUD DATABASE 76 TIMES 22.3.2016

19. Fraud Prevention / Meta Backman 19 22.3.2016

20. THANK YOU 20 meta.backman@finnair.fi Fraud Prevention / Meta Backman 22.3.2016