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Crime Prevention

Dáil Éireann Debate, Wednesday - 18 September 2013

Wednesday, 18 September 2013

Ceisteanna (191)

Andrew Doyle

Ceist:

191. Deputy Andrew Doyle asked the Minister for Finance the measures that are being taken by State owned financial institutions to combat ATM fraud; his views on the current level of scamming that is taking place; and if he will make a statement on the matter. [37548/13]

Amharc ar fhreagra

Freagraí scríofa

I can inform the Deputy that the State owned financial institutions have provided me with the following information with regard to the measures that they are taking to combat ATM fraud.

AIB

All AIB issued Debit and Credit cards are monitored 24/7 for potential fraudulent spend. AIB utilises industry leading fraud monitoring software that learns cardholder behaviour and provides a fraud risk score for each transaction. Where a transaction is deemed suspicious, AIB may take preventative action and make contact with our customer to confirm recent transaction history. AIB constantly reviews the performance of its fraud monitoring strategies to minimise the impact of fraud monitoring on their genuine customers.

Card Protection Kits (CPKs) are anti-fraud devices that are installed on AIB ATMs to prevent skimming attacks. These devices are tested and where necessary updated regularly to ensure maximum protection against this fraud type. In the event that a skimming device is detected on an ATM, the ATM is automatically closed and remains closed until a full inspection of the ATM has been completed. It is only after this inspection that the ATM is returned to service.

Presently, in the event that a customer’s card has been compromised as a result of this fraud type, they are refunded the value of any fraudulent spend completed on their card. AIB’s ATM network is monitored 24/7, and support lines are available for customers to report anything suspicious found at an ATM.

All AIB ATMs are protected by CCTV, so in the event of criminal activity, this CCTV is available to the An Garda Síochána on request. AIB works closely with other ATM acquiring banks, Card Issuers, An Garda Síochána and other industry groups such as Irish Payments Service Organisation (IPSO) and the Irish Banking Federation (IBF) to ensure that every effort is made to share knowledge and reduce fraud on our ATM networks.

AIB is represented at various industry ATM and Card fraud forums both in Ireland and across Europe to ensure that they are aware of current trends and any potential fraudulent threats at ATM networks.

In the event of significant fraudulent attacks at their ATM network, AIB has a crises management team that comes together to discuss, review and agree next steps. This information is also shared with other ATM acquiring banks via IPSO.

Permanent TSB

permanent tsb employ a zero tolerance to ATM fraud and configures its ATM fleet with some of the best technologies available on the market.

Some of the technologies the Bank employ include Anti-Skimming technology with metal detection and digital signal jamming around card slots, PIN pad protection to prevent shoulder surfing, anti-cash trapping devices and CCTV.

The Bank has also configured the ATMs that in the event of a skimming fraud attempt, the ATM will go out of service automatically. It will only be returned to service once it is confirmed that the machine is no longer tampered or compromised, indicating to the fraudsters that the Bank’s devices will not tolerate any attempt at tampering.

permanent tsb also have a monitoring system in place which alerts the Bank to the possibility of fraudulent transactions. Alerts are driven by the most probable fraud scenarios based on prevailing trends.

Customer education also forms part of any additional security and the Bank’s ATM on-screen advice to customers is to always cover their PIN and to report anything unusual or suspicious about the device to the local Garda Síochána.

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