This week there was a lot of media attention on how Criminals accessed over a 100,000 U.S. Citizen tax returns, and then used this in a successful attack to file requests for tax refunds totaling over $50,000,000. If you were a victim of this, please immediately begin working with the iRS to secure your tax returns (you can activate a two-factor type authentication to prevent these attacks in the future).
It is important to know – the IRS WAS NOT HACKED. The criminals used data gathered from other data breaches and public information to trick the IRS system into thinking they were you. This is a principle raised in the book, once your data is breached it is ALWAYS breached. So, 12 months of monitoring or short term protection won’t suffice.
If you have the book (release is first weeks of June!!!), please visit the last two chapters that cover recovery. These will give you great protections and assurances.
Here is how the IRS was attacked, and no it is not complicated. In fact, we will see these types of “attacks” against many institutions relying on such information for authentication:
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*Credits to Van Gogh for the image, and Privacy Rights for the stats on last year’s data breaches.
One of the first pieces of advice shared is to stop using your Debit Card. Most banks allow you to have an ATM card issued that is perfect for grabbing cash on the go. The reasons are many, but the most important centers of you liability for funds in these accounts.
Quite simply, if money is transferred out of your bank accounts (ATM / Debit Card #s) that money is gone, forever. There is a window of time though for you, and this is based on your bank statements. In the days of electronic statements this can become slippery (meaning when you receive a paper statement you may flip through quickly and see if anything jumps at you, but electronic statements I believe are far less reviewed).
Above is a simple table from the FTC showing the time elapsed from the release of a bank statement/notification and how much you owe. Note, at 60 days you are liable for “All the money taken from your ATM/debit card account, and possibly more…” yikes!
Update on the book – YES, it is nearly completed. The reviews have been very encouraging and I am humbled by all the time folks have helped make it great. May is the month! Stay tuned and visit www.Facebook.com/hntbh for more community news.
Ever find yourself just click click clicking through every message box that pops up? Most people click through a warning (which in the land of Web Browsers usually means STOP DON’T GO THERE!!) in less than 2 seconds. The facts seem to be due to be from habituation – basically, you are used to clicking, and now we have the brain scans to prove it!
What does this mean for you? Well specifically you won’t be able to re-wire your brain, but perhaps you can turn up the settings on your web browser to not allow you to connect to a site that has the issues your web browser is warning against. Simple – let the browser deal with it and take away one nuisance.
From the study:
The MRI images show a “precipitous drop” in visual processing after even one repeated exposure to a standard security warning and a “large overall drop” after 13 of them. Previously, such warning fatigue has been observed only indirectly, such as one study finding that only 14 percent of participants recognized content changes to confirmation dialog boxes or another that recorded users clicking through one-half of all SSL warnings in less than two seconds.
Don’t forget to check out – www.facebook.com/hntbh if you are looking for quick reminders. The book is coming along and chapter releases are (finally) coming in April!Read more
Credit cards with CHIPS!!!
The future is here in the U.S. all credit cards will soon have a bit of encryption magic to help prevent in-person credit card fraud & theft. You’ll have this little graphic somewhere on your card (if it is ready). The good news is this will help lower fraud, but as accurately shared by Brian Krebs (basically the online reporter/expert in this space):
In every country that has switched to EMV cards — and the United States is the last developed country to do so — online fraud has jumped, says online fraud expert Brian Krebs. “Fraud doesn’t go away, it just goes somewhere else, and that somewhere else is always online,” he says. “The thieves can still steal the card number and expiration date, which still can be used online. So that’s generally what will happen. We’ll see a pretty big uptick in card-not-present fraud.” – CreditCard.com & Brian Krebs from his new book SPAM Nation
So, the tips for managing your online security are even more elevated in this new time. As cards become updated, practice your good tips and carry on.
Our community: https://www.facebook.com/HNTBHRead more
As I have been writing the main book on behavioral best practices to improve the state of security and resiliency in light of data breaches and criminal activity, a few major data breaches have occurred. Most recently has been the Sony breach. What pained me was seeing the situation unfold due to its magnitude, but I was more shocked that no one was helping the individual person that was harmed. The employees, ex-employees, contractors, actors, business partners, studios, and Deloitte employees are all open to fantastic attacks on their credit, finances, and medical trusts.
Thus I carved out specific content from the main book and after much customization published an emergency guide. Please find the Kindle book available online for purchase, a great value at $5! The published version will be up soon. Sneak peek here.
Thank you for your time and be safe,
CBS‘ 60 minutes hosted Brian Krebs to discuss retailer data breaches and the effects on consumers. The show can is below, and if you missed it certainly take some time to enjoy it. You can find Brian reporting and uncovering similar crimes on his website. He regularly is first to report (before companies) of any data breaches hitting the wire.
CBS 60 minutes broadcast: (apologies for long advertisements, CBS places ads that match length of video)
Two key takeaways that matter to you:
Finally, a nice write-up of the 60 minutes video is available by Brian Carmen and worth going through if you have no time for the video.
*A bit of exciting news, a special release on how to protect yourself due to the Sony data breach is being released in the coming days! This is a specific mini-book on tasks with instructions to protect those consumers who were part of the breach (i.e., the Sony employees, the ex-employees, the contractors, actors, and partners). I aim to have it for sale on Amazon, Gumroad (pdf only version), and snippets on Scribd.
@hntbh on twitter
*Apply Pay should be your top 4 payment methods far above Debit Card, Cash, and Checks*
If you have an iOS device (newer models only at this point) you should use it. The basic reasons – if you have used itunes to buy music, than you have trusted Apple with your credit card. If you purchase ANYWHERE with Apple Pay, that retailer NEVER gets your credit card number, therefore you are only exposed at 1 retailer and not hundreds.
More tips? Sign-up for the more via email and receive book snippets!
Curious – check out this write-up which I find pretty informative: http://buff.ly/1xUfIup
#applypay #christmas #shopping #nofraud #itunesRead more
The news in the past few weeks has included several online businesses (Apple), a leader in finance (JP Morgan), and a retailer (Home Depot). The attacks varied, the exposure of specific data unique, and the customer type certainly unrelated. Despite these realities, every one of these businesses has one thing in common – YOUR information, money, and details were exposed.
Why is this important?
You must take the following action:
Responding to the ebb and flow of data breaches is impossible, but if together we establish behaviors to counter the negative effects then we have succeeded.
*on the book front I am making progress and aim to release a chapter sketch soon. a challenge I have currently is financing the graphic artists and editors necessary to create a really stunning book. any ideas are welcomed!Read more