User:Titiperera/sandbox

Incident Response Tips Action items for banking institutions include:

Have a Plan -- for what you do if you find a skimming device on one of your ATMs.

Document the Plan -- listing everything that should happen, people to be contacted, actions to be taken.

Educate Your Branch Employees -- If a device is found, all employees should know what and what not to do. Educate branch employees and third-party vendors, as well as ATM servicers. Make sure they are monitoring the outside of the ATMs for residue or devices that actually are on the ATM.

Inspect All Locations - frequently, checking the facia and surroundings around the ATMs, making sure nothing has been added or moved.

Set ATM Standards - including visual standards for all ATMs in all branches. Keep it standard. Take a photograph of each ATM, inside and outside. Show employees what it should look like, so ATMs can be quickly examined to see what may be out of place. "It sounds like a bit of overkill, but a picture is worth a 1000 words," says Urban.

Don't Touch Skimmer If Found -- Contact law enforcement if a device is found on the ATM. Tell employees to not touch it or pick it up or pull it off the ATM. Secure the area with bank robbery tape until law enforcement arrives.

Be Vigilant At All Times -- Increase your checks on ATMs, especially if you've heard of ATM skimming in your area. If there are reports of ATM skimming, increase the number of checks. Even if there are no reports, have employees check ATMs in off-hours and over weekends, which are prime times for skimmers to be put on ATMs.

Contact Other Institutions -- Share information with local and regional institutions about what's happening at your branches and make sure they share information with your institution.

–––––––––––––––––––––––––––––––– What Should Consumers Do to Protect Themselves?

To avoid shimming, skimming, or other methods of payment card information theft, use tap payments and smartphone payments like Apple Pay when possible. They are safer due to being much harder for thieves to replicate. When using ATMs, look for machines inside banks, or in well-lit, busy areas that would not allow thieves any uninterrupted access. When using an ATM that you think may have been compromised, look for anything that seems out of place. Scratch marks on the surface of the machine or any disturbance around the keypad might suggest that the machine has been tampered with. To avoid shimmers, feel for unusual resistance when inserting your card. Finally, it is wise to check your transaction records regularly to look for any unauthorized payments.

Because of the direct access to cash and customer data, automated teller machines (ATMs) are the target of manifold attacks and fraud. To counter this problem, modern ATMs utilize specialized hardware security systems that are designed to detect particular types of attacks and manipulation. However, such systems do not provide any protection against future attacks that are unknown at design time. In this paper, we propose an approach that is able to detect known as well as unknown attacks on ATMs and that does not require additional security hardware. The idea is to utilize automatic model generation techniques to learn patterns of normal behavior from the status information of standard devices comprised in an ATM; a significant deviation from the learned behavior is an indicator of a fraud attempt. We cast the identification of ATM fraud as a sequence-based anomaly detection problem, and describe three specific methods that implement our approach. An empirical evaluation using a real-world data set that has been recorded on a public ATM within a time period of nine weeks shows promising results and underlines the practical applicability of the proposed approach.

1.First of all customers should focus on signature panel. Customer1should2always3sign4in5the6signature panel of ATM7card as shortly9as received6it.

2.Do not count money at the ATM, put money, card and receipt and away instantly.

3.Watch out for loiterers outside ATMs. If a client feels uncomfortable, move away. return later for withdrawals.

4.Customer should understand that who has access to his/her cards. If his/her ATM card is borrowed by a loved one, with or without information, he/she could also be accountable for his/her purchase /cash withdrawal.

5.After finishing an ATM dealings, continually keep in mind to take3card4and transaction7slip. don't through4away transaction5receipt at the ATM website. And additionally always get ATM9card back when each purchase. And make sure that welcome sign is there on the screen before going the ATM.

Customer should report stolen or lost ATM cards instantly to the bank and additionally file a FIR with the closest police office