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TRANSCRIPT
IDENTITY PROTECTION INFORMATION SECURITY
LEADING DATA SOLUTIONS
Innovative technology, collaborative relationships and real-time actionable alerts offer unparalleled data security.
TODAY’S AGENDA
InfoArmor Overview
Identity Fraud: The Problem
PrivacyArmor Features
Subscriber Satisfaction
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information protection experts
Founded by Washington Mutual to
protect 10M credit card holders
Focused on B2B value-added
subscriber services
Committed to partnership model
Service 26 of Fortune 500
Growing at triple digit rates
Engaged, satisfied subscribers
Overall Satisfaction:
>90% “Strongly Agree” or “Agree”
Sample Clients:
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exceeding partner and subscriber expectations
THE DIFFERENCE
Fastest growing, #1 crime in America
Affects 5% of US population, costing over $18B annually
Restoration takes 59 –168 business hours to complete
Breach victims 9.5x more prone
Goes beyond simple account /credit card/credit fraud ; medical coverage, false
mortgages, fraudulent job applications, misfiled tax returns, online hacking, etc.
Social networking users more susceptible (Linked In = 2x more susceptible)
WHY NOW? Identity fraud is real problem happening to your employees
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BENEFIT FEATURES
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PrivacyArmor offers unparalleled protection
SNAPD2.0 Identity Monitoring now with High Risk Transaction alerts too, including online account access, fund transfers and password resets CreditArmor provides continuous credit monitoring, monthly credit scores and unlimited access to an online, monthly credit report. Now included FREE of charge in PrivacyArmor Full-Service identity restoration by Privacy Advocates® that complete the work from start to case completion WalletArmor to quickly replace contents of a lost wallet to mitigate damages plus it now includes real-time monitoring Internet Surveillance with Digital Identity Report to scan the Underground Internet for suspicious activity and show a snapshot of what the world can learn about “You” IdentityMD to provide tips, tools, and resources to prevent identity theft and restore an identity (includes how to pull free credit reports from bureaus) $25,000 identity fraud reimbursement policy to protect against out-of-pocket costs associated with identity theft including lost wages, legal fees and postage Reduction in unwanted solicitations such as telephone solicitations, preapproved credit card offers and junk mail to limit exposure of personal information
SNAPD2.0 MONITORING
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now monitoring high risk transactions too
Step 1: Blueprint Identity
Credit Non-Credit Private Government Public High Risk
Transactions
Step 2: Evaluate Cross-Industry Data
Step 3: Predict, Detect and Close Loop
100% ACTIVATION
SNAPD2.0 MONITORING
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broad, comprehensive coverage
CREDIT
New Cards
Mortgage Loans
Auto Loans
Existing Acct. Change of Address
NON-CREDIT
Wireless Accounts
Utility Accounts
Check Reorders
Payday Loans
PRIVATE
Knowledge Based
Authentication
“Hot Addresses”
GOVERNMENT
Social Security Administration
US Postal Inspector
OFAC
PUBLIC
Address History
Court Records
Social Media
HIGH RISK TRANSACTIONS
Credit
Health
Finance
Employment
UNMATCHED INSIGHT
Insight into tens of millions of high risk transactions, including verifications and authentications
Used to fight fraud in self-service/online and call center channels
3 leading KBA providers supplying data
Currently employed by:
11 of top 20 Financial Service Providers
3 of top 6 Wireless/Telecom Providers
3 of top 10 Retailers
And over 250+ more companies
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What is
Knowledge Based Authentication?
Real-time identity authentication process using “out of wallet” or user-defined questions to confirm an identity prior to allowing fraud-prone activities and transactions.
Info Collected
ID Verified
Questions Generated
ID Authenticated
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CREDIT CARD
Online Card Application
Card Activation
Call Center Service
BANKING
Online Bank Account
Application
Fund Transfer
Password Reset
Telebanking
BROKERAGE
Online Account Application
Online Account Access
Call Center Service
HEALTH
Online Portal Access
Password Reset
Online RX Account Access
Online RX Refills
SERVICES & EMPLOYMENT
E Signatures
Online Retailers
P2P Payments
Payroll & W-2 Access
HIGH RISK TRANSACTIONS
DETECTION@INCEPTIONSM
CREDIT CARD
BANKING BROKERAGE HEALTH SERVICES &
EMPLOYMENT
CREDITARMOR (NEW! for 2014)
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comprehensive, user-friendly essentials to monitor credit
Monthly CREDIT SCORE tracker TransUnion credit score offered each month, enabling changes to be tracked over time
Daily CREDIT MONITORING with real-time email or text alerts
Receive alerts to quickly learn when changes or new accounts impact the TransUnion credit file
Unlimited, online access to an annual CREDIT REPORT
Easy, online access to an annual TransUnion credit report
INTERNET SURVEILLANCE
How We Monitor:
Proprietary hardware and software solution
Unparalleled alert accuracy (minimized false positives)
Secure: separate reconnaissance and analysis efforts, plus no refined search queries
What We Monitor:
SSNs, names, addresses, emails and DOBs
Wallet items (i.e. credit cards, medical insurance card)
Results:
In June, over 100K compromised accounts and 71K credit cards
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accuracy and security
INFOARMOR BOTS monitor UNDERGROUND ECONOMY
COMPROMISED DATA sent back to INFOARMOR
SENSOR compares compromised to subscriber data in secure
environment, creating ALERTS with 100% accuracy
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ONLINE PORTAL
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check on alerts, WalletArmor, Digital Identity Report and more
Subscriber Portal
Predictive risk assessment Actionable alerts New mobile app for iPhone and Droid
MOBILE APP: TODAY
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easy account access and alerting
MOBILE APP: TOMORROW
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easy account access and alerting with full feature functionality
EMPLOYEE SATISFACTION
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anonymous employee survey conveys successful integration
94% AGREE or
STRONGLY AGREE
that employer sponsored
Identity Theft Protection is
valuable benefit
96% SAID YES,
Identity Theft Protection was
valuable addition to
benefit package
• “My identity was compromised by a mortgage company. By calling your company, opening a case and going through all the steps I gained peace of mind that I was protected.”
• “Actually I had all my employees enroll! It’s a no-brainer!”
• “A service such as this allows me to concentrate on work...not my personal stuff”
98% SAID YES,
they would recommend service to coworker, friend or
family member
• “I have recommended it to several individuals. I get far less spam, and junk mail, and I don't have to worry about my info being tampered with.”
• “I already recommend your services all the time.”
• “This is such an important benefit at such a terrific price. I can protect my whole family with InfoArmor for less than what it costs to enroll just myself in other products that don’t accomplish half as much. “
THE DIFFERENCE your brand is more important than ours
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Philosophical
Product
Price
THANK YOU
Contact Us
7001 N. Scottsdale Rd. #2020
Scottsdale, AZ 85253
P: 800 789 2720