1. New Products for the Public Sector The products that will change your work life Presented by: Derek O’Halloran Date: 14 th June 2007

2. Dislikes

3. Technology is the answer

4. What’s new? Up to date data (Electronic data updates) Streamlined and accurate bank account validation (Bankwizard) Identity Theft – Reducing the time, cost and risk of paper-based proofs Identity Theft – Paper-based proof of ID checks

5. Up to date data

6. Improves processes Removes updating data from your to do list Substantial time savings Eliminated risk of data expiry Removes need for downtime

7. Up to date data

8. Bank account validation Inaccurate DD Headache for finance/admin getting it corrected/annoying for customer QAS, George West House, Clapham, London, SW4 0QL 5.QAS Ref

9. Implications of getting it wrong Financial Admin Chance of losing customers Negative PR

10. Technology for an easier life “Since implementing BANK WIZARD we have virtually eliminated the problems associated with processing incorrect bank details. I would have no hesitation in recommending BANK WIZARD to any organisation processing large volumes of Direct Debits” Shelagh Osey, Financial Services Manager

11. Proof of identification Typical Requirements: Photo Proof – Passport, Driving License Proof of Address – Driving License, Utility Bill Fake ID’sStolen ID’s

12. Documentary evidence Cost of Processing/Storage Training Customer Service EFFECTIVENESS Easily forged Easy to obtain genuine documents Detection of forgeries

13. How does it work? Data Input Name and Address validation Validation Establishing the existence of a real world identity Verification Positive corroboration of identity and biographic details supplied Key fraud indicators Authentication

14. How to… create your own fake identity

17. How big is the problem? Source: CIFAS Online YearCases Recorded 200566,000 200456,000 200346,000 200234,000 200124,000 200016,000 19999,000 Identity fraud cost the economy £1.7 billion / year (Home Office, February 2006) Identity fraud accounts for a criminal cash-flow of £10m per day There are 80 million active National Insurance numbers in the UK, with a population of 60 million

18. How does it work? Authenticate Capture Fields Validated Name and Address Date of Birth Time at address Former Addresses Time at these addresses Male or Female Telephone Numbers No of Dependents Bank Details Owner Occupier PAF QuickAddress Pro ER Name Address Data Input Yes No 70 Authentication Index Authentication Secure Internet Connection Validation Verification

19. Breadth & depth weighting  Breadth No. corroborative matches against data sources  Depth How far back in time the record goes  Quality Type of record and level of due diligence performed in its creation Authentication Index

20. Authenticate Hosted, Integrated or bespoke Solution fast & easy to implement Name & Address verification on entry Breadth & depth of Experian data Pre-configured authentication templates Easy to use – improves business process Compliant

21. Validating paper proofs

22. Thank you for listening Presented by: Derek O’Halloran Date: 14 th June 2007 www.qas.co.uk