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A nationwide ATM heist late last year netted thieves $9 million in cash in one day, according to published reports. The coordinated attack stemmed from a computer intrusion at payment processor RBS WorldPay. Atlanta-based RBS WorldPay announced on Dec. 23 that hackers had broken into its database and made off with personal and financial data on 1.5 million customers of its payroll cards business. Some companies use payroll cards in lieu of paychecks by depositing employee salaries or hourly wages directly into payroll card accounts, which can then be used as debit cards at ATMs. RBS said that thieves also might also have accessed Social Security numbers of 1.1 million customers. New York's Fox 5 cites FBI sources as saying that thieves used the stolen payroll cards recently to withdraw $9 million from ATMs from 49 cities, including Atlanta, Chicago, New York, Montreal, Moscow, and Hong Kong. Steve Lazarus, a spokesman for the FBI's Atlanta field office, said the withdrawals were carried out by a small army of so-called "cashers," or people who work with cyber thieves and fabricated cards to pull money out of compromised accounts. From the Fox piece: "Shortly after midnight Eastern Time on November 8, the FBI believes that dozens of the so-called cashers were used in a coordinated attack of ATM machines around the world."

A consumer reporting agency that failed to properly screen prospective customers and, as a result, sold at least 318 credit reports to identity thieves, has agreed to settle Federal Trade Commission charges that it violated federal law. Under the settlement, the company and its principal must ensure that they provide credit reports only to legitimate businesses for lawful purposes, use a comprehensive information security program, and obtain independent audits every other year for 20 years. The settlement also imposes a $500,000 penalty but suspends payment due to the defendants' inability to pay. According to the FTC, the defendants use sensitive financial data from other consumer reporting agencies to create reports that landlords use to assess potential renters. These reports contain consumers' names, Social Security numbers, birth dates, bank and credit card account numbers, credit histories, and other personal information. The Commission alleges that the company failed to properly screen new customers. The company allegedly requested only publicly-available information from applicants seeking credit reports, and it did not request supporting documentation to establish that an applicant was actually a landlord renting property. As a result, identity thieves posing as property owners were given an account with unlimited online access to credit reports, and the account was used to access at least 318 reports containing sensitive personal information. The FTC charged the defendants with violating the Fair Credit Reporting Act (FCRA) by furnishing credit reports to persons who did not have a permissible purpose to obtain them, and by failing to maintain reasonable procedures to prevent such impermissible disclosures and to verify their customers' identities and how they intended to use the information. The agency also charged them with violating the FTC Act by failing to employ reasonable and appropriate security measures to protect sensitive consumer inform

Salesmen and parents know the technique well. It's called the takeaway, and as far as Keith Mularski is concerned, it's the reason he kept his job as administrator of online fraud site DarkMarket. DarkMarket was what's known as a "carder" site. Like an eBay for criminals, it was where identity thieves could buy and sell stolen credit card numbers, online identities and the tools to make fake credit cards. In late 2006, Mularski, who had risen through the ranks using the name Master Splynter, had just been made administrator of the site. Mularski not only had control over the technical data available there, but he had the power to make or break up-and-coming identity thieves by granting them access to the site. And not everybody was happy with the arrangement. A hacker named Iceman -- authorities say he was actually San Francisco resident Max Butler -- who ran a competing Web site, was saying that Mularski wasn't the Polish spammer he claimed to be. According to Iceman, Master Splynter was really an agent for the U.S. Federal Bureau of Investigation. Iceman had some evidence to back up his claim but couldn't prove anything conclusively. At the time, every other administrator on the site was being accused of being a federal agent, and Iceman had credibility problems of his own. He had just hacked DarkMarket and three other carder forums in an aggressive play at seizing control of the entire black market for stolen credit card information. ....In the end they would regret that decision. Iceman was right

Identity thieves are getting more clever and are increasingly using stolen information to get driver's licenses, employment and government assistance, according to a new report. The survey by the Identity Theft Resource Center also found that the greater awareness of this problem by the public has led to more people discovering they are victims themselves, through monitoring of their bank accounts and credit card statements. Typically, victims learned of their identity theft when they were denied a job or credit or were informed by law enforcement. "Most of our information is beyond our control," said Linda Foley, co-founder of the Identity Theft Resource Center, which surveys victims each year to see how identity theft is changing. "If a thief wants to get it, he will find a way to get it." The report covers the experiences of around 100 of the 1,500 people who were victimized in 2008 and contacted the center, a nonprofit that helps people recover from identity theft. Stolen personal information is now cheap - identities may sell on the black market for as little as 60 cents each - and thieves churn through them quickly to lower their chances of getting caught, Foley said. Rather than opening 10 or 20 credit card accounts in a victim's name, they now open two or three, charge as much as they can and move on to the next person. This raises the cost of identity theft to businesses, whose average loss to fraud nearly doubled last year to $90,107, up from $48,941 the year before.

"* To pay all costs tied to administration of settlement * To pay class members' attorney costs Dec 21 (Reuters) - Credit card processor Heartland Payment Systems Inc (HPY.N) said it would settle consumer cardholder class actions tied to claims arising from breach of its system by cyber thieves, and pay up to $2.4 million to class members submitting valid claims. Heartland agreed to pay a minimum of $1 million to class members and take up settlement-related administration costs, including up to $1.5 million for the cost of notice to the settling class. The company will pay up to $760,000 of the costs of attorneys representing the class members. Heartland said it could terminate the deal if costs of notice exceeded $1.5 million, or if it received more than 2,500 requests for exclusion from the settlement class. The deal settles all intrusion-related proceedings by consumers who used the payment cards between Dec. 6, 2007 and Dec. 31, 2008, including those who may allege to have suffered losses, the company said in a statement. Heartland, which agreed to pay $3.6 million last week to settle claims with American Express Co (AXP.N) related to the criminal breach, reported in January this year that cyber thieves hacked its payment system and stole credit card information. Shares of the New Jersey-based company were down 18 cents at $13.29 Monday morning on the New York Stock Exchange. "

This is a great time to be in the hard-drive shredding business, as companies scramble to destroy data before the bad guys have a chance to steal it. A look inside the belly of the beast (includes video). September 08, 2008 - CSO - Thanks to all the fear over data security breaches, a computer recycling operation has morphed into something much bigger - and potentially more lucrative - for the Saraiva brothers. That's not to say the nature of their work has changed much. They still make money off of companies looking to unload devices that have outlived their usefulness. They still stuff the gadgetry into a shredder on the back of a truck that reduces it to shrapnel. The difference is they're now part of the fight against data thieves. Their company, Peabody, Mass.-based Corporate Destruction Solutions, is rapidly expanding to accommodate organizations desperate to destroy old hard drives before they can fall into the hands of data thieves. And they're not alone. Several companies in the metal-shredding business confirm a surge in demand for their services in the wake of many highly-publicized data breaches.

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They may be after the phone, but what about the data? How much of your life is on your mobile device? Some misguided companies let employees use personal devices for work. I wonder what an auditor would say about due diligence and due care when data is leaked through such ignorance. Think, before you set a lax password, or none at all. Karl Thieves are increasingly going after iPhones and other smartphones but victims now can fight back with technology. One device allows a user to remotely activate a loud siren designed to rattle the thief. Another application, designed for iPhones, can reveal the phone's location. Police statistics show petty crime is down in New York but anecdotal evidence and recent headlines about street muggings targeting costly and coveted devices like Apple's iPhone and T-Mobile's Sidekick have disturbed smartphone users concerned about protecting access to e-mail, passwords and other data.

Thieves are increasingly going after iPhones and other smartphones but victims now can fight back with technology. One device allows a user to remotely activate a loud siren designed to rattle the thief. Another application, designed for iPhones, can reveal the phone's location. Police statistics show petty crime is down in New York but anecdotal evidence and recent headlines about street muggings targeting costly and coveted devices like Apple's iPhone and T-Mobile's Sidekick have disturbed smartphone users concerned about protecting access to e-mail, passwords and other data.

On Friday, Brunswick, Maine-based heating and hardware firm Downeast Energy & Building Supply sent a letter notifying at least 850 customers that the company had suffered a data breach. Downeast sent the notice after discovering that hackers had broken in and stolen more than $200,000 from the company's online bank account. The attack on Downeast Energy bears all the hallmarks of online thieves who have stolen millions from dozens of other businesses, schools and counties over the past several months. In every case, the thieves appeared more interested in quick cash than in pilfering their victims' customer databases. Nevertheless, the intrusions highlight an additional cost for victims of this type of crime: complying with state data breach notification laws. "This is something new to us, fortunately, but we have responsibilities under Maine statute to report these things to our customers and employees," said the company's president, John Peters, in an interview with Security Fix. At least 44 other states and the District of Columbia have similar data breach notification laws. Sometime prior to September, attackers planted keystroke logging malware on Downeast's computer systems, and stole the credentials the company uses to manage its bank accounts online. Then, on or around Sept. 2, the hackers used that access to initiate a series of sub-$10,000 money transfers out of the company's account to at least 20 individuals around the United States who had no prior business with Downeast Energy. This type of crime is impossible without the cooperation of so-called "money mules," willing or unwitting individuals typically hired via Internet job search Web sites to act as "local agents" or "financial agents" responsible for moving money on behalf of a generic-sounding international corporation, legal experts say.The mules are then instructed to withdraw the cash and wire it via Western Union or Moneygram to fraud gangs overseas, typically in Eastern Europe.

Ultimately, your first line of defense rests with your doctor, though, says Peel. To thwart breaches, pepper your doctor with questions. How will my data be transmitted? Will it be encrypted? For assistance, you can also download a question form at Patientprivacyrights.org.

The first sign that something was wrong seemed harmless: A new Dell credit card arrived in my mail one afternoon. More landed in the mailbox the next day. Macy's. Bloomingdale's. Crate and Barrel. Radio Shack. Then later: Visa Sony, Toys R Us and Lowe's cards turned up. I didn't request any of these cards. My first call to Dell revealed what I suspected. Someone had applied for a credit card using my name. I felt violated and vulnerable. Then, it hit me: I've become a statistic, a victim of identity theft. A thief had taken my name, my credit and my identity and managed to spend more than $8,000 (money that, I'm grateful, I didn't have to pay). I still don't know who the culprit was or how it happened. All I know is that if this happened to me - a Sun Sentinel consumer affairs and watchdog reporter - it can happen to anybody. Thieves move quickly Identity theft is the fastest growing crime in the United States, according to the Federal Trade Commission, which enforces identity theft laws. Experts estimate 10 million Americans become victims of identity fraud each year. Last year, businesses lost $56.6 billion to ID theft, the commission said. I've spent hours on the phone talking to fraud investigators, credit bureaus and bank staff as I've tried to sort out the mess that is now mine to clean up. I was exhausted every time a call ended. Individual investigations, conducted by fraud departments for each of the credit card companies that issued accounts in my name, took months to complete before concluding I was a victim of ID fraud. But there is a bright side to this story. I thought I knew how to protect myself. But what I've learned through this experience has taught me that you can never be too careful. I also learned some hard lessons along the way about how best to safeguard my personal information in the future - and respond, if my identity is targeted again.

"Medical records for about 15,500 Northern California Kaiser patients - about 9,000 of them in the Bay Area - were compromised after thieves stole an external drive from a Kaiser employee's car last month, Kaiser officials said Tuesday." Kaiser officials said the electronic device contained patients' names, medical record numbers and possibly ages, genders, telephone numbers, addresses and general information related to their care and treatment. No Social Security numbers or financial information was contained on the drive, and Kaiser officials said there's no evidence that the information has been used inappropriately. The device was not encrypted, but some of the information was password protected. Kaiser has sent letters to the 15,500 members and the employee, who Kaiser would not identify, has been fired.

Another hospital employee fired for inappropraite access of medical records. More damage to a medical group reputation because someone failed to get the message.

"A CEO who publicly posted his Social Security number on billboards and TV commercials as part of a campaign to promote his company's credit monitoring services was the victim of identity theft at least 13 times, a news report says. The Phoenix New Times reported that Todd Davis, CEO of LifeLock Inc., which is based in Tempe, Ariz., was victimized numerous times by identity thieves who apparently used his Social Security number to commit various types of fraud. Davis has previously admitted that he was the victim of an identity theft once in 2007, when a man in Texas used his Social Security number to take out a $500 loan which wasn't repaid and ended up being handled by a collection agency. The New Times reported that Davis has been a victim of similar ID theft at least a dozen more times."

Might not want to put much stock in Lifelock.

Recent news reports on copier security have brought to the forefront how information stored on a copier's hard drive may be accessible to would-be identity thieves and others. While this vulnerability is eye-opening to many, this concern has been important to manufacturers for quite some time. Just as you would install a virus scan on your laptop or PC, you need data safeguards for multifunction printers (MFPs).

Identity thieves using the names and Social Security numbers of Irving Independent School District employees have made thousands of dollars in purchases, school officials say. One woman has been accused of fraudulent use or possession of identifying information and two charges of credit card abuse. A second person linked to the theft case has been arrested but no charges have yet been filed in the Irving case, authorities said. At least 64 of the 3,400 teachers and other employees whose names were on the old benefits report that somehow ended up in the trash have said they are identity theft victims. The school district mailed letters to current and former employees about the breach, but 472 of the letters were returned as undeliverable. Pat Lamb, district security director, said in a story for Sunday's online edition of The Dallas Morning News that the employees at risk of being on the list worked for the district in the 2000-01 school year and had payroll deductions for benefits. "We still do not know how our records were compromised," Lamb said. "We don't know if somebody was supposed to shred that information, but it ended up in a Dumpster." Lamb said his name was among those on the report, which was generated in 2000. Cynthia Will, a former teacher, pleaded for help from the school board last week. More than $25,000 was charged in her name, including a $4,000 diamond ring, the newspaper reported. "It was stunning the damage that was done in just seven days," she told the board. Will has to carry an affidavit stating that she is an identity theft victim and if there are warrants on her old driver's license number that they are not for her. Dawn Bizzell, who has taught in the district since 1996, said district officials acted too slowly. An employee advisory wasn't posted until Jan. 26. Bizzell said she learned she was an identity theft victim on Nov. 28 and police told her of the district connection on Dec. 3.

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Individuals have been at risk of having their personal information stolen and used to commit identity-related crimes long before the emergence of the Internet. What the Information Age has changed, however, is the method by which identity thieves can access and exploit the personal information of others. One method in particular leaves hundreds of thousands, and in some cases tens of millions, of individuals at risk for identity theft: large scale data breaches by skilled hackers. In this method, criminals remotely access the computer systems of government agencies, universities, merchants, financial institutions, credit card companies, and data processors, and steal large volumes of personal information on individuals. Such large scale data breaches have revolutionized the identity theft landscape as it relates to fraud on existing accounts through the use of compromised credit and debit card account information. Large scale data breaches would be of no more concern than small scale identity thefts if criminals were unable to quickly and widely distribute the stolen information for subsequent fraudulent use (assuming, of course, that the breach would be quickly detected). Such wide-scale global distribution of stolen information has been made possible for criminals with the advent of criminal websites, known as "carding forums," dedicated to the sale of stolen personal and financial information. These websites allow criminals to quickly sell the fruits of their ill-gotten gains to thousands of eager fraudsters

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With the ink barely dry on headlines about what could be the biggest security breach in history (identity thieves hacked into payment processor Heartland Payment Services, possibly gaining access to the credit-card information of millions of consumers) signing up for a credit-monitoring service may have jumped a few notches on your to-do list. After all, paying $12 or so a month seems like a small price to pay for the peace of mind that -- through regular alerts about activity on your credit reports and other monitoring services -- you'll be protected from identity theft. Right? Think again.

Still think that today's computer viruses and other malware come from some maladjusted teen out to vandalize your PC to make a name for himself? Think again. The persistent myth is a holdover from days long gone, and it's important to dispel it if you want to know what you're up against-and how to protect yourself. The splashy worms and malicious viruses that clogged entire networks and indiscriminately wiped hard drives are essentially gone. Today, it's all about cash-and lots of it. If there's a way to use evil software to make money, whether it means taking over a PC to send pharmacy-advertising spam, or stealing financial logins and credit card info, or even hacking game accounts, it's out there in some form. There's even a thriving online black market that sells everything from software kits to roll-your-own malware to spam services using infected PCs to reams and reams of credit card data stolen by keylogger malware. It's most important to get rid of this myth in order to get rid of the idea that you can usually tell whether you're infected by obvious signs like big pop-ups or suddenly missing files. Malware writers today work to keep infections as quiet as possible for as long as possible so that they can continue to make money. But it's also important to keep in mind that today's online crooks have become very creative in figuring out how to make money with their malware. Stolen Webmail accounts have been used to send messages to the account's contact list asking for money transfers. Popular online games such as World of Warcraft are a huge target, with thieves raiding hacked accounts to sell the items or in-game currency for real money. So don't assume that there's no risk using an untrusted PC as long as you don't log onto your bank.

Be careful what information you give to recruiters!

Insurance company Aetna has contacted 65,000 current and former employees whose Social Security numbers (SSNs) may have been compromised in a Web site data breach. The job application Web site also held names, phone numbers, e-mail and mailing addresses for up to 450,000 applicants, Aetna spokeswoman Cynthia Michener said. SSNs for those people were not stored on the site, which was maintained by an external vendor. The company found out about the breach earlier this month when people began receiving spam messages that appeared to come from Aetna and complained to the company, Michener said. The spam purported to be a response to a job inquiry and requested more personal information. The spam campaign showed the intruders successfully harvested e-mail addresses from the Web site, although Michener said it's not clear if SSNs were also obtained. Nonetheless, Aetna sent letters last week notifying the 65,000 people whose SSNs were on the site of the breach. The company is offering them one year of free credit monitoring, as SSNs are often used by identity thieves. "We wanted to err on the side of caution," Michener said. Aetna hired an IT forensics company to investigate how the Web site had been compromised. "At this point despite a thorough review, they've not been able to pinpoint the precise breach," Michener said. Aetna posted alerts on the job site, its main Web site and its internal intranet about the spam campaign, Michener said.

Hackers, possibly from Asia, have stolen about a decade's worth of personal information on current and former UC-Berkeley students, the university announced Friday. The breaches involved records dating to 1999 at the school's health center that included Social Security numbers, health insurance information, immunization history and the names of treating physicians. No other treatment-related records were stolen, the university said, although self-reported medical histories of students who studied abroad were hacked. The school on Friday sent e-mails and letters to 160,000 people, including about 3,400 Mills College students who used or were eligible for University of California-Berkeley medical services. About 97,000 people are most at risk because their names and Social Security numbers could be connected by the hackers, said Steve Lustig, the university's associate vice chancellor for health and human services. "What's been taken is bits of data that the thief might put together into an identity," he said. The university traced the hackers back to Asia, possibly China, but the exact origin could not be pinpointed. UC and FBI investigators are probing the breaches, which apparently occurred over several months. An FBI spokesman said the agency was informed of the hacking immediately, but declined to provide more information. The thefts were discovered about a month ago, but system administrators did Advertisement not realize the breadth of the attack until April 21. The hackers disguised their work as routine operations and then left taunting messages for UC-Berkeley employees, said Shelton Waggener, the university's associate vice chancellor for information technology. The thieves accessed the information through the university Web site, he said. "You should think of it as a public building," Waggener said. "They got into the building properly, but then they broke into secure areas." Administrators at Mills College, which contracts with UC-Berkeley for

A TV investigation has revealed that secondhand BlackBerries on Nigerian markets are priced according to the data held on them, not the age or the model of a phone. Jon Godfrey, director of Sims LifeCycle Services, who is advising on a TV investigation into the trade due to screen later this year, said that BlackBerries sell for between $25 to $65 on Lagos markets. Details of the trade come from an agent in Nigeria unaffiliated to Sims' technology recycling business. Godfrey explained that the smart phones offered for sale come from the US, continental Europe and the UK. "It's unclear as yet whether the phones are either sold, thrown away, lost or stolen," Godfrey explained. Other type of smartphone are also of potential interest to data thieves, but it is the trade in BlackBerries that seems to be the most active. Data retrieved from smartphones is itraded by crooks in Nigeria. BlackBerries include technology to remotely wipe devices and come with built-in encryption. But this encryption is often left switched off because it is considered an inconvenience.