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Monty Faidley Director, Market Planning

Monty Faidley Director, Market Planning. The Iowa story. Identity information is everywhere. Battle against identity theft has been lost. IDENTITIES TAKEN 145,000,000 eBay breach 80,000,000 Anthem breach 21,000,000+ OPM breach 1,000,000 fingerprints OPM breach

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Monty Faidley Director, Market Planning

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  1. Monty FaidleyDirector, Market Planning

  2. The Iowa story

  3. Identity information is everywhere

  4. Battle against identity theft has been lost • IDENTITIES TAKEN • 145,000,000 eBay breach • 80,000,000 Anthem breach • 21,000,000+ OPM breach • 1,000,000 fingerprintsOPM breach • 827,000,000+ Record breaches since 2005

  5. Battle against identity theft has been lost Identities as a Commodity • Usable Social Security Cards are available for $25 • A Driver’s License is available for $50 • A high quality U.S. Passport is available for $125

  6. Bricks and mortar – how it used to be Access Services in a Physical Location • County Office • Face-to-Face Interaction • Verification of Documents on the Spot • Paper-based Interaction Benefits Challenges • Human-Based Biometrics – Facial Recognition • Real Time Risk Analysis – Look someone in the eye • Physical Presence limits mass fraud schemes • Customer Service Complaints • Inconvenient for Constituents • Inefficient Processes • Long Lines

  7. From “in line” to online • Access to Services is now Electronic • Over 6 Billion annual visits to Government Websites • 66% Access via Desktop , 34% Mobile or Tablet • 64% of Americans own Smart Phones Benefits Challenges • Increased Efficiency • Decreased Processing Time • Improved Customer Service • Constituent Convenience • Identity Information Changes Faster than Government can Keep Up • Explosion of Identity Theft and Fraud • Rapidly Evolving Fraud Schemes • Proofing and Identity Online

  8. Government agencies are under attack

  9. First, verify the identity exists Best Practices Current Approach Challenges • Check real-time identity activity • Does the identity appear anywhere in the State? • Does the identity show up anywhere else? • Bought the Death Master File • Partial name matching • Death Master File • Social Security Administration • State incarceration • Partial Matching of Name/SSN: • M. Faidley 999-99-1234 • Monte Faidler 999-00-1234 (match) • Montana Faids 000-99-1234 (match) • Mountain Faidstone 000-12-1234 (match)

  10. Then, confirm this is the owner of the identity Best Practices Current Approach Challenges • Knowledge based quiz • One time password • Verify Driver’s License in real time • Biometrics • Risk assessment – geolocation, IP, device • Photocopy is easy to fake • Identity documents are cheap • Photocopy of Driver’s License • Photocopy of lease / utility bill • Note from your Mom

  11. Good news: It actually works expects to save a total of Georgia Department of Revenue Stopped over $75 million New Jersey Department of Labor stopped over $24 million 3 $6 million over in Tax Refund Fraud in under 1 year years in fraudulent claims related to identities

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