229SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Ashley Town Ashely Town is Director of Fraud Services for CO-OP Financial Services (www.co-opfs.org), a provider of payments and financial technology to credit unions. She can be reached at ashley…. Web: https://www.co-opfs.org Details Skimming horror stories are nothing new. Tales of consumers unwittingly inserting their cards at ATMs with fraudulent technology frequently pervade headlines. Fake card inserts, keypads, and other devices have all been fitted on ATMs, giving them the look of the real deal while quietly collecting consumers’ data. Gradually, skimming devices have become smaller and smaller, making them more challenging to detect. These innovations have proved costly for credit unions and consumers alike. In 2015, ATM compromises increased 546 percent from the previous year. Now, a new wave of skimmers threatens to cause trouble in the U.S. Called shimmers, these devices capture EMV chip card transaction data. Hidden within ATMs, shimmers are virtually undetectable. According to John Buzzard, CO-OP’s industry fraud specialist, this means shimmers have the potential to be even riskier than previous skimming iterations.“Out of sight, out of mind can also apply to shimmers,” said Buzzard. “Common indicators of skimming devices, such as dangling wires, out-of-place stickers, and unusual scratches, may not be present. This makes it far more difficult to identify shimmers.”Fraudsters place the minuscule shimming devices directly next to ATMs’ chip readers. Powered by a microprocessor and flash memory, each device is well equipped to pick up card data – including account numbers and expiration dates. The attack’s subtlety makes it highly unlikely the chip reader will even pick up a disturbance.While the data collected cannot be used to counterfeit chip cards, it can be used to make fake magnetic-stripe cards. Criminals will likely attempt to take advantage of this vulnerability by using the counterfeit cards for fraudulent purchases. Merchants who have not yet implemented EMV chip technology, in particular, may see these purchases come through.Detecting fake cards created through shimming can be relatively easy for credit unions, however. The card verification values (CVVs) on the fake cards will not match the integrated card verification values (iCVVs) of the actual chip cards. By checking the CVVs on transactions, credit unions can more quickly weed out fraud.With a presence in both Mexico and Canada already, it seems only a matter of time before shimmers start making their way to the U.S. To best prepare for this, credit unions are advised to consider taking the following steps.Conduct physical ATM examinations. Video or PIN-capture devices may be in place to accompany shimming devices. Any foreign objects should be noted and removed immediately.Implement anti-shimming equipment. ATM manufacturers may offer protective plates to help deter criminals from attaching shimmers.Reissue EMV chip cards with new numbers. Issuing chip cards with new card numbers and expiration dates also trigger new CVV and iCVV values. Even if consumers had been victimized by shimming, any captured card information would become void. Utilize fraud prevention resources. Credit unions partnering with CO-OP have access to FICO Card Alert Service (CAS). This resource helps identify skimming points of compromise involving stolen magnetic-stripe cards and PINs.The emergence of shimming technology serves as a stark reminder of how quickly fraudsters can innovate. By being agile in their ability to recognize and adapt to changing fraud trends, credit unions will be better equipped to stay one step ahead. To learn more about how to optimize today’s most advanced security innovations, download CO-OP’s newest eBook here.
Promoted Content9 Facts You Should Know Before Getting A Tattoo2020 Tattoo Trends: Here’s What You’ll See This Year10 Actors That Started Their Careers On SoapsEver Thought Of Sleeping Next To Celebs? This Guy Will Show YouTop 10 Most Romantic Nations In The WorldThe Best Cars Of All TimeMysterious Astrological Discoveries That Left Scientists BaffledEverything You Need To Know About Asteroid ArmageddonCouples Who Celebrated Their Union In A Unique, Unforgettable WayEver Wonder What Keanu Reeves Spends His Paychecks On?7 Thailand’s Most Exquisite Architectural WondersBirds Enjoy Living In A Gallery Space Created For Them Loading… Second-placed Borussia Dortmund are set to include chief defender Mats Hummels for Tuesday’s Bundesliga showdown at home to league leaders Bayern Munich behind closed doors with stars Jadon Sancho and Axel Witsel also poised to return.Advertisement “With Mats, it’s okay. We have to look at the short term, but he is 99 percent there,” said Dortmund coach Lucien Favre in Monday’s press conference.Centre-back Hummels limped out of Saturday’s 2-0 win at Wolfsburg after 45 minutes with an aggravated Achilles tendon, but is poised to marshall Dortmund’s defence against his former club Bayern.In the two matches since the league resumed after a two-month hiatus, Dortmund have not conceded a goal after hammering Schalke 4-0 and winning 2-0 at Wolfsburg.Bayern hold a four-point lead at the top of the table and are eager to again assert their domination over Dortmund, who they trounced 4-0 when the sides met last November in Munich.Favre said both Belgium midfield enforcer Axel Witsel and England winger Jadon Sancho could also feature after working their way back to fitness.Witsel has shaken off a muscular injury, while Sancho proved his fitness after a calf injury by setting up a goal for Achraf Hakimi in his 25 minutes off the bench at Wolfsburg.“Axel has trained with the ball again – he could be in the squad,” said Favre.Sancho “is slowly getting back to his old level, has trained well. I don’t see any problem. We’ll see,” added Favre.Bayern are on course for an eighth straight league title and warmed up for their visit to Dortmund brushing aside Eintracht Frankfurt 5-2 at home on Saturday.The visitors managed to rattle the Bavarian giants with two second-half goals from corners to make it 3-2 before the hosts pulled away again.“Bayern can concede two goals from corners – that can happen to any team, so it’s not really relevant for me,” insisted Favre when asked if Frankfurt had exposed a weakness.Dortmund have won their last two home games against Bayern – a 3-2 league win in November 2018 and a 2-0 victory in the Super Cup last August.However, Dortmund’s 82,000-capacity Signal Iduna Park stadium will be devoid of fans due to hygiene measures to counter the coronavirus.In the first two rounds of Bundesliga matches since it became the first top European league to restart, 10 of the first 18 matches have been won by the away team.“We have to believe in ourselves, we can’t make simple mistakes in possession of the ball,” said Dortmund sports director Michael Zorc.Key Dortmund defender Mats Hummels is “99 precent” ready to face former club Bayern Munich on Tuesday after an Achilles tendon knock.Read Also: Lewandowski, Haaland tackle one another for Bundesliga title“We also have to endure the phases when Bayern dominate.“We can always score goals and beat them,” he added, with Norwegian striker Erling Braut Haaland, 19, on 10 goals in 10 league games since joining in January.FacebookTwitterWhatsAppEmail分享
Latest posts by (see all) Donald Trump Jr. to host Holden campaign event – September 18, 2020 Bio Drive-thru flu shot clinics scheduled – September 18, 2020 Real Estate Transfers Week of Sept. 17 – September 18, 2020 Latest Posts BROOKSVILLE — Brooksville runner Pheobe Markle placed first for the women in the first Darrell Fowler 5K held on Sunday in memory of a late Brooksville resident.Darrell Fowler was raised in Brooksville and served on the Fire Department for more than 30 years. More recently, he served as a selectman.Markle finished the 5K course, which began at the Brooksville Elementary School, in 19 minutes and 47 seconds.Elijah Colby of San Francisco placed first for the men in 18:52.This is placeholder textThis is placeholder textOther race results include:Female age 12 and under: Maranda Pert of Brooksville (35:40).Male age 12 and under: Drew Mozinski of Hingham, Mass. (35:34).Female age 55+: Pamela Beam of Seal Cove (29:10).Male age 55+: Skip Feldman of Brooklin (26:53).Click here for more results.
At a university so evenly balanced between male and female students, it might seem easy to assume that the same is true for other groups on campus. Among faculty, however, gender is not always as equally represented.The discrepancies between men and women in the science, technology and engineering fields have been widely acknowledged on a national level. According to the most recent data from the National Science Foundation, in 2006, women constituted 28 percent of tenure-track faculty members in science and engineering and 19.4 percent of full-time faculty members in science and engineering nationwide.Along with several other organizations at USC, the Women in Science and Engineering program hopes to foster greater gender equality in full-time and tenure-track faculty positions. WiSE specifically encourages greater representation of female faculty in the science and engineering fields.The program focuses on faculty in Viterbi School of Engineering and the science and mathematics departments of the Dana and David Dornsife College of Letters, Arts and Sciences.When WiSE was founded on a $20 million anonymous donation in 2000, the university had only 15 female tenure or tenure-track faculty in the STEM fields. Now, the university boasts 49.WiSE Program Director Leana Golubchik attributed this change to the program’s efforts to make greater strides to attract women into these departments at USC.“We always advocate open searches, and finding the people that the departments would like,” Golubchik said. “But if it happens that a woman rises to the top of the search, we work with the various dean’s offices to help attract her here to USC. Some of the faculty members we have brought here have been absolutely phenomenal.”The organization also offers grants called WiSE Fellowships to accomodate Pregnancy, Birth of a Child or Adoption to help female faculty members accommodate becoming new mothers. The grants apply not only to full-time faculty, but also to Ph.D. and post-doctoral students, and allow them to balance their careers with their families.Sarah Fried-Gintis, WiSE’s program manager, said the grants allow new mothers to keep their careers on track after the birth of a child.“They are really able to assist new parents and new mothers either before the birth, when they can’t be present in the lab, and after the birth when they have an infant and they have responsibilities to take care of the child,” Fried-Gintis said. “We often work in collaboration with the graduate schools parental leave program so that they get the assistance they need.”WiSE also offers child care subsidies of $1,400 to help female Ph.D. students, post-doctoral students and faculty members manage the challenges of furthering their careers and taking care of their families.Additionally, the program works to create a more welcoming community for women in these fields. Golubchik said she has seen continual growth in the turnout for WiSE’s distinguished speaker series and other events. She sees this as a sign of the community of women becoming more tightly knit.“I think the space has given us the opportunity to create this community that we are trying to create, the community of mentorship, where faculty mentor other faculty and students mentor each other, Ph.D. students mentoring undergraduates or post-docs mentoring Ph.D. students,” Golubchik said. “We’d like to see people interacting in this setting and I think having this space has made a huge difference.” Follow Annalise on Twitter @asmantz