One Article Review
| Source |  AlienVault Lab Blog |
|---|---|
| Identifiant | 8419246 |
| Date de publication | 2023-12-05 11:00:00 (vue: 2023-12-05 11:08:12) |
| Titre | Aperçu des systèmes de détection de fraude modernes Insights into modern fraud detection systems |
| Texte | The content of this post is solely the responsibility of the author. AT&T does not adopt or endorse any of the views, positions, or information provided by the author in this article. Information security requirements and standards are in a constant state of evolution. Recent issues, such as COVID-19 and the growing global reliance on mobile devices and remote work solutions, have played important roles in this ongoing transformation. At the same time, the increasing sophistication of cyber attackers has added new layers of complexity to the cybersecurity landscape. In this article, I will explore the importance of implementing fraud detection systems as a crucial measure to mitigate the impact of both traditional and emerging fraudulent schemes. Challenges faced by financial institutions The landscape of user behavior has undergone significant shifts, primarily driven by external factors such as the COVID-19 pandemic. This factor led to an increase in online transactions, coupled with reduced income streams for many individuals, resulting in decreased spending in specific user categories. Additionally, local conflicts, like the war in Ukraine and Israel, influence spending patterns in particular regions. The implementation of restrictive measures and the resulting increase in stress levels have provided cyber crooks with more opportunities to exploit social engineering techniques through acts of intimidation. One prevalent scam involves fraudsters posing as bank security officials to deceive unsuspecting individuals. Another concerning trend is the rise of legitimate channels that drive people to scam schemes via mainstream advertising platforms like Google and Facebook. Furthermore, the economic hardships some people face have led them to seek alternative income sources, driving them to engage in various forms of online criminal activities. Some individuals become involved in schemes where they act as money mules or work in illegal call centers. It is challenging for financial institutions to guarantee absolute safety. Malicious individuals can present counterfeit identification to authorize transactions that were initially denied by the anti-fraud system. While financial institutions strive to know as much as possible about their clients and run transactions carefully, they are constrained by data retention limitations (typically several months) and the need to respond within seconds, as stipulated by Service Level Agreements. So, again, achieving complete certainty about every transaction remains a huge problem. Detecting suspicious activities becomes even more challenging when malicious employees request details about a specific client or transaction, as this falls within their routine work tasks. Some fraud detection systems use computer webcams or video surveillance cameras to monitor employee behavior. Modern surveillance systems have become more intelligent, leveraging artificial intelligence and historical data to perform comprehensive risk assessments and take action when unusual employee behavior is detected. However, these cameras may not always be effective in identifying deceitful behavior when employees remain almost motionless. Understanding fraud detection systems Fraud detection systems are designed to detect and prevent various forms of fraudulent activities, ranging from account hijacking and |
| Envoyé | Oui |
| Condensat | 2010s ability about above absolute access account accounts accurate achieving act action actionable actions activate activities activity acts actual adapt added additionally administrator adopt adopted adopting advanced advertising advise again against agreements algorithms aligns all almost also alternative always analyze analyzing another anti any approach are article artificial aspects assess assessing assessment assessments associated at&t attack attackers attacks attempts atypical author authorize bank banking based bayesian become becomes behavior behavioral between blocked both breaches broadly browser built business but call cameras can capabilities capabilities: capable carefully cases categories categorized cater centers certainty challenges challenging channel channels characteristics checked choice choosing client clients collect collecting collection combat combating combination combinations combine commerce comparative comparing complete complexity comprehensive computer concept concerning conclusion confidential conflicts connection consent consider consist constant constrained content contextual core correlations cost could counterfeit coupled covid credential criminal criteria criteria: critical crooks cross crucial custom customized cyber cyberattacks cybersecurity data datasets deceitful deceive decreased defenses define denied depends deployment designed details detect detected detecting detection determination determine developers device devices different disclosed distinct does down drawn drive driven driving during each early easier economic effective effectively effectiveness efficient eliminates embedded emerging employ employed employee employees enables endorse engage engineering enhance enhancing enough ensure establish established etc evaluate evaluating evaluation even event events every evolution evolving examination examine example exceed executing expenses exploit explore extensive extent external face facebook faced factor factors falls features filters financial find fine flag focused following foolproof form forms found fraud fraudster fraudsters fraudulent frequent from frozen functionality fund funds furthermore gaming generate global good google growing guarantee halt hardships has have hidden high highly hijacking historical however huge ideal identical identification identify identifying identity illegal illicit impact implementation implementing importance important improve includes including income incorporates incorporating increase increasing independently indicative indicators indicators: indispensable individuals influence information informed initial initially initiate insights instance instantly instead institutions insurance intelligence intelligent internal intimidation involve involved involves israel issues its keystrokes know landscape large layers leading learning led legitimate level levels leverage leverages leveraging like limitations lists local locations look losses loyalty machine main mainstream make malicious many markers market may measure measures meet methods minimize mitigate mobile model modern module money monitor months more most motionless movements much mules multiple need needs new nodes not objective obtaining occur offer offering officials one ongoing online only operations opportunities opt organization organizations other outlined over overall pandemic particular parties patterns payment people perform performance personal phishing pilot pivotal platforms play played point policy posing positions possible post potential predefined present prevalent prevent preventing prevention price primarily primary privacy privacy: proactive probabilistic probability problem process products profiles programs projects proprietary protection provide provided raise ranging real recent recognize recommended reduced reduces regions regularities related reliance rely relying remain remains remote remotely represent request requirements requires researching respond response responsibility restrictive resulting retention right rise risk risks robust role roles r |
| Tags | Tool Threat Mobile Prediction Technical |
| Stories | |
| Notes | ★★★ |
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