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Published: March 1, 2025 by Jon Mostajo, test user

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Updated November 17th Related Posts Link to automotive form, business form

Apr 24,2025 by Rathnathilaga.MelapavoorSankaran@experian.com

Unmasking Romance Scams

As Valentine’s Day approaches, hearts will melt, but some will inevitably be broken by romance scams. This season of love creates an opportune moment for scammers to prey on individuals feeling lonely or seeking connection. Financial institutions should take this time to warn customers about the heightened risks and encourage vigilance against fraud. In a tale as heart-wrenching as it is cautionary, a French woman named Anne was conned out of nearly $855,000 in a romance scam that lasted over a year. Believing she was communicating with Hollywood star Brad Pitt; Anne was manipulated by scammers who leveraged AI technology to impersonate the actor convincingly. Personalized messages, fabricated photos, and elaborate lies about financial needs made the scam seem credible. Anne’s story, though extreme, highlights the alarming prevalence and sophistication of romance scams in today’s digital age. According to the Federal Trade Commission (FTC), nearly 70,000 Americans reported romance scams in 2022, with losses totaling $1.3 billion—an average of $4,400 per victim. These scams, which play on victims’ emotions, are becoming increasingly common and devastating, targeting individuals of all ages and backgrounds. Financial institutions have a crucial role in protecting their customers from these schemes. The lifecycle of a romance scam Romance scams follow a consistent pattern: Feigned connection: Scammers create fake profiles on social media or dating platforms using attractive photos and minimal personal details. Building trust: Through lavish compliments, romantic conversations, and fabricated sob stories, scammers forge emotional bonds with their targets. Initial financial request: Once trust is established, the scammer asks for small financial favors, often citing emergencies. Escalation: Requests grow larger, with claims of dire situations such as medical emergencies or legal troubles. Disappearance: After draining the victim’s funds, the scammer vanishes, leaving emotional and financial devastation in their wake. Lloyds Banking Group reports that men made up 52% of romance scam victims in 2023, though women lost more on average (£9,083 vs. £5,145). Individuals aged 55-64 were the most susceptible, while those aged 65-74 faced the largest losses, averaging £13,123 per person. Techniques scammers use Romance scammers are experts in manipulation. Common tactics include: Fabricated sob stories: Claims of illness, injury, or imprisonment. Investment opportunities: Offers to “teach” victims about investing. Military or overseas scenarios: Excuses for avoiding in-person meetings. Gift and delivery scams: Requests for money to cover fake customs fees. How financial institutions can help Banks and financial institutions are on the frontlines of combating romance scams. By leveraging technology and adopting proactive measures, they can intercept fraud before it causes irreparable harm. 1. Customer education and awareness Conduct awareness campaigns to educate clients about common scam tactics. Provide tips on recognizing fake profiles and unsolicited requests. Share real-life stories, like Anne’s, to highlight the risks. 2. Advanced data capture solutions Implement systems that gather and analyze real-time customer data, such as IP addresses, browsing history, and device usage patterns. Use behavioral analytics to detect anomalies in customer actions, such as hesitation or rushed transactions, which may indicate stress or coercion. 3. AI and machine learning Utilize AI-driven tools to analyze vast datasets and identify suspicious patterns. Deploy daily adaptive models to keep up with emerging fraud trends. 4. Real-time fraud interception Establish rules and alerts to flag unusual transactions. Intervene with personalized messages before transfers occur, asking “Do you know and trust this person?” Block transactions if fraud is suspected, ensuring customers’ funds are secure. Collaborating for greater impact Financial institutions cannot combat romance scams alone. Partnerships with social media platforms, AI companies, and law enforcement are essential. Social media companies must shut down fake profiles proactively, while regulatory frameworks should enable banks to share information about at-risk customers. Conclusion Romance scams exploit the most vulnerable aspects of human nature: the desire for love and connection. Stories like Anne’s underscore the emotional and financial toll these scams take on victims. However, with robust technological solutions and proactive measures, financial institutions can play a pivotal role in protecting their customers. By staying ahead of fraud trends and educating clients, banks can ensure that the pursuit of love remains a source of joy, not heartbreak. Learn more

Feb 05,2025 by Alex Lvoff

How Identity Protection for Your Employees Can Reduce Your Data Breach Risk

As data breaches become an ever-growing threat to businesses, the role of employees in maintaining cybersecurity has never been more critical. Did you know that 82% of data breaches involve the human element1 , such as phishing, stolen credentials, or social engineering tactics? These statistics reveal a direct connection between employee identity theft and business vulnerabilities. In this blog, we’ll explore why protecting your employees’ identities is essential to reducing data breach risk, how employee-focused identity protection programs, and specifically employee identity protection, improve both cybersecurity and employee engagement, and how businesses can implement comprehensive solutions to safeguard sensitive data and enhance overall workforce well-being. The Rising Challenge: Data Breaches and Employee Identity Theft The past few years have seen an exponential rise in data breaches. According to the Identity Theft Resource Center, there were 1,571 data compromises in the first half of 2024, impacting more than 1.1 billion individuals – a 490% increase year over year2. A staggering proportion of these breaches originated from compromised employee credentials or phishing attacks. Explore Experian's Employee Benefits Solutions The Link Between Employee Identity Theft and Cybersecurity Risks Phishing and Social EngineeringPhishing attacks remain one of the top strategies used by cybercriminals. These attacks often target employees by exploiting personal information stolen through identity theft. For example, a cybercriminal who gains access to an employee's compromised email or social accounts can use this information to craft realistic phishing messages, tricking them into divulging sensitive company credentials. Compromised Credentials as Entry PointsCompromised employee credentials were responsible for 16% of breaches and were the costliest attack vector, averaging $4.5 million per breach3. When an employee’s identity is stolen, it can give hackers a direct line to your company’s network, jeopardizing sensitive data and infrastructure. The Cost of DowntimeBeyond the financial impact, data breaches disrupt operations, erode customer trust, and harm your brand. For businesses, the average downtime from a breach can last several weeks – time that could otherwise be spent growing revenue and serving clients. Why Businesses Need to Prioritize Employee Identity Protection Protecting employee identities isn’t just a personal benefit – it’s a strategic business decision. Here are three reasons why identity protection for employees is essential to your cybersecurity strategy: 1. Mitigate Human Risk in Cybersecurity Employee mistakes, often resulting from phishing scams or misuse of credentials, are a leading cause of breaches. By equipping employees with identity protection services, businesses can significantly reduce the likelihood of stolen information being exploited by fraudsters and cybercriminals. 2. Boost Employee Engagement and Financial Wellness Providing identity protection as part of an employee benefits package signals that you value your workforce’s security and well-being. Beyond cybersecurity, offering such protections can enhance employee loyalty, reduce stress, and improve productivity. Employers who pair identity protection with financial wellness tools can empower employees to monitor their credit, secure their finances, and protect against fraud, all of which contribute to a more engaged workforce. 3. Enhance Your Brand Reputation A company’s cybersecurity practices are increasingly scrutinized by customers, stakeholders, and regulators. When you demonstrate that you prioritize not just protecting your business, but also safeguarding your employees’ identities, you position your brand as a leader in security and trustworthiness. Practical Strategies to Protect Employee Identities and Reduce Data Breach Risk How can businesses take actionable steps to mitigate risks and protect their employees? Here are some best practices: Offer Comprehensive Identity Protection Solutions A robust identity protection program should include: Real-time monitoring for identity theft Alerts for suspicious activity on personal accounts Data and device protection to protect personal information and devices from identity theft, hacking and other online threats Fraud resolution services for affected employees Credit monitoring and financial wellness tools Leading providers like Experian offer customizable employee benefits packages that provide proactive identity protection, empowering employees to detect and resolve potential risks before they escalate. Invest in Employee Education and Training Cybersecurity is only as strong as your least-informed employee. Provide regular training sessions and provide resources to help employees recognize phishing scams, understand the importance of password hygiene, and learn how to avoid oversharing personal data online. Implement Multi-Factor Authentication (MFA) MFA adds an extra layer of security, requiring employees to verify their identity using multiple credentials before accessing sensitive systems. This can drastically reduce the risk of compromised credentials being misused. Partner with a Trusted Identity Protection Provider Experian’s suite of employee benefits solutions combines identity protection with financial wellness tools, helping your employees stay secure while also boosting their financial confidence. Only Experian can offer these integrated solutions with unparalleled expertise in both identity protection and credit monitoring. Conclusion: Identity Protection is the Cornerstone of Cybersecurity The rising tide of data breaches means that businesses can no longer afford to overlook the role of employee identity in cybersecurity. By prioritizing identity protection for employees, organizations can reduce the risk of costly breaches and also create a safer, more engaged, and financially secure workforce. Ready to protect your employees and your business? Take the next step toward safeguarding your company’s future. Learn more about Experian’s employee benefits solutions to see how identity protection and financial wellness tools can transform your workplace security and employee engagement. Learn more 1 2024 Experian Data Breach Response Guide 2 Identity Theft Resource Center. H1 2024 Data Breach Analysis 3 2023 IBM Cost of a Data Breach Report

Jan 28,2025 by Stefani Wendel

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Women of Experian: Laurie Jerome

As the world celebrates International Women's Day on March 8, we want to shine a light on a few of the female leaders who shape, inspire and grow Experian. From sales to strategy, to people management, big data and beyond, women are a driving force in every industry – and their stories deserve to be told. Throughout the week, meet some of the "Women of Experian." Today, we feature Laurie Jerome, an executive leading Experian's initiatives around talent, diversity and inclusion. Learn about her career journey, learnings and sources of inspiration as it pertains to leadership. What do you do at Experian? What’s a typical day like for you?  I lead all talent initiatives across North America, (6,000 employees located across 24 offices and over 900 remote workers). In addition, it’s critical that we partner with our global talent teams for alignment and integration of brand, culture, leadership and succession management. In very simple terms, we are here to create a great employee experience and provide leaders with the tools, training and resources to do just that. The overall outcome is to ensure our workforce is engaged and retained. How do you motivate yourself and stay motivated? I have a motto that “If you love what you do, then you’ll never have to work a day in your life.” I found my niche early on and although I can’t say that every day I get to do what I love, I balance my day with networking, workouts and family. Work-life integration is so important for anyone who works full time. My days are full, but if they include some of those balanced elements then I feel fulfilled. One of my favorite things to do is pay it forward to others who are growing their career. I have several mentees and find so much joy in giving back and learning from them. I think it’s become more real to me now having two sons (one a recent grad and one in his second year at UCLA). With such a competitive environment for candidates and employers, I find it so rewarding to help others navigate their way. What are the most important values you demonstrate as a leader? I would have to say life-long learning no matter where you are in your career. With that comes humility and transparency in sharing what you know, and probably most importantly being vulnerable and confident enough to share what you don’t. I love to surround myself with others who bring very different skills, values and experiences to the team. It truly requires time and attention to ensure your team has a strong understanding of one another and values such differences. My team meets every other week and although some are virtual and in other locations, I insist on using video conference to keep us visually in touch and connected. There’s something about being present that matters. Oh, and speaking of presence, another important value I have is being available to my team and others no matter how busy I am. Well, I think I went over the request of providing the MOST important however they are all so related. What are some patterns you’ve noticed over the years about women at work, and things they could be doing better to advance their careers? The topic of mentoring comes up quite often. Everyone is looking for someone they can turn to and seek advice and council with on a range of topics. I think it’s great, but one piece of advice I give to those I’ve mentored is to find someone very different than yourself and capitalize on what they offer that you need. In some cases, it’s a male perspective. Like it or not, we see things through such a different lens and having that view can be very advantageous and insightful. Discover your gaps and find someone who demonstrates them well. Do you have a sponsor? Instead of selecting someone who can mentor and coach, find someone who can open doors for you and sponsor stretch assignments and new opportunities. Caveat… be prepared to be challenged and perform. It’s not for the weak of heart. I’ve always been an avid networker. It comes more natural to me. I’ve been told I have a “black belt” in networking. Women have traditionally been expected to devote more time to family and domestic responsibilities, thus lacking as much time as men to build networks. We’re starting to see more women networking. To be truly competitive in the networking arena, women may have to put more time into making contacts — and may have to ask their partners to take on a bigger share in juggling family life and work. Networking events are hard to juggle outside of work, but there are many more ways to view a network. Think about your gym buddies, those alumni groups, that stranger on the flight heading to another business meeting. You’ve got to get creative and get out of your comfort zone. And the greatest thing about networking is that it always has a mutually beneficial outcome. Go into it with a giving mindset and you’ll get so much out of it as well. Favorite authors/books? Reshma Saujani, founder of Girls Who Code and author of Women Who Don’t Wait in Life: Break the Mold, Lead the Way , offers some advice for how women can get ahead and be the ultimate leaders, even in a male-dominated environment. I love almost anything Ram Charan writes: Execution: The Discipline of Getting Things Done, The High Potential Leader, What the Customer Wants You to Know, Talent Wins: The New Playbook for Putting People First. And it wouldn’t be fair if I didn’t give credit to a woman that inspires me in all that she does – Sheryl Sandberg.

Mar 09,2018 by

Women of Experian: Jennifer Leuer

As the world celebrates International Women's Day on March 8, we want to shine a light on a few of the female leaders who shape, inspire and grow Experian. From sales to strategy, to people management, big data and beyond, women are a driving force in every industry – and their stories deserve to be told. Throughout the week, meet some of the "Women of Experian." Today, we feature Jennifer Leuer, president of Experian's Partner Solutions division. Learn about her career journey, learnings and sources of inspiration as it pertains to leadership. What do you do at Experian?  I lead our Partner Solutions business within Experian Consumer Services. As a B2B2C business, we serve consumer needs through strong partnerships with our clients, providing white label and cobranded solutions. Today, we provide consumers with credit education and identity protection products. In the future, we will go into adjacent services with business units throughout Experian. Those products allow our clients to reinforce their core value propositions with their consumers and better engage and retain them. What’s a typical day like for you? I don’t really have a typical day, which is one of the things I love about my role. Sometimes I’m out traveling to meet clients, talking with them about how we can grow together or about specific challenges they are facing. Other weeks I’m in our Costa Mesa or Austin offices discussing operations, financial performance, contract negotiations, business planning, progress against our vision and strategy, and most importantly our talented people and culture. I always love 1:1 meetings when we spend time on career development and two-way feedback. I enjoy hearing feedback from my colleagues throughout our organization and I think it’s essential to regularly provide it as well. What are some patterns you’ve noticed over the years about women at work, and things they could be doing better to advance their careers? While I don’t like to generalize, I’ve definitely seen a few commonalities observing female teammates across different functions and organizations. Women are often quite humble about their accomplishments and will emphasize the team’s contributions to a win. Ladies, get comfortable with talking about your individual wins and the role YOU played in broader initiatives. Brag a little! You can acknowledge the teamwork while also highlighting the unique role you played. I hear from many female colleagues that they don’t like speaking in meetings. I strongly believe that hearing different perspectives assists leaders with making better decisions. So, in your next meeting, add a data point to support the conversation, comment on the market context, or offer an alternative point of view. Also, one thing we can all do is open the door in meetings for our quieter colleagues to contribute. Saying something like, “Jen, we haven’t heard your point of view on this issue. What are your thoughts?” can create space in the conversation for a colleague to share their perspective. Finally, I’m currently reading a great book, “Own It,” which reinforces the leadership qualities that many women naturally bring to the workplace: Emotional intelligence, collaborative style, strong communication skills, orientation for win/win solutions. These are all powerful traits that drive significant value to teams and that women can really “own” with confidence. What’s the most important business or other discovery you’ve made in the past year? Does Amazon Fresh count? Being able to order groceries via wifi on an airplane is a game changer! Actually, it’s also a great example of what it took to make disruption in that space work—other companies tried and failed with grocery delivery because key pieces of the equation were missing. I love finding professional ah-ha’s as a consumer. What is one characteristic that you believe every leader should possess? I’m going to cheat and give a two-part answer on this one! I believe great leaders are inspired by their teams…and work for their teams. There are many takes on this philosophy, sometimes called servant leadership. Simon Sinek’s book “Leaders Eat Last” gave an updated view of this. When a leader is focused on assisting her team to grow, learn and thrive, the organization aligns around high performance and continuous improvement. One characteristic that I am currently working on is relentless curiosity: Asking more questions, really listening to the answers, then asking follow-up questions! Often we get into patterns where we opine more than listen, and the process of deep discovery unlocks creative solutions and new viewpoints. What are your hobbies outside of work?  I feel like I have two families—at work and at home. Making sure I’m leading and serving both is an important part of my life. I used to think I should have more hobbies to force myself to have work/life balance!  I’ve since learned it’s really about work/life integration. I know that setting aside time to relax and recharge is most important for me, so I spend free time on activities that give me joy and that I can do with my family. My husband and I enjoy completing 10K and half marathon runs, so we train together on the weekends. That gives us a chance to catch up while also forming a healthy habit. I love gardening and luckily my two sons can usually be persuaded to assist. And over the past couple years, we’ve enjoyed learning more about the world of comics together (Marvel, DC, etc.). Did you know Thor’s hammer (known as Mjolnir for the purists reading this!) actually passed to a woman last year? I think it’s pretty cool that there was a Goddess of a Thunder on comic book shelves! Favorite authors/books? I love to read! I enjoy books (printed and Audible versions), podcasts, and magazines. I will often check out a book summary before committing to a book (some examples are below). And magazines are my go-to for airplane reading. Here are a few I’d recommend for International Women’s Day: Harvard Business Review magazine is a great way to challenge your thinking and stay up to speed on a variety of new concepts and advancements Mindful magazine has great articles and practices “Rising Strong” by Brene Brown “The Confidence Code” by Katty Kay and Claire Shipman “Great Leaders Ask Great Questions” by John C Maxwell “Barking up the Wrong Tree—How to be awesome at life” by Eric Barker “The Pursuit of Perfection” by Tal Ben-Shahar   Check back to learn more about "Women of Experian" throughout the week.

Mar 08,2018 by

What the new NIST Standards Mean for Your Agency

June 2018 will mark the one-year anniversary of the National Institute of Standards and Technology (NIST) release of Special Publication 800-63-3, Digital Identity Guidelines. While federal agencies are the most directly impacted, this guidance signals a seismic shift in identity proofing across the entire ecosystem of consumers, private sector businesses and public sector agencies. It’s the clearest claim I’ve seen to date that traditional, and rather basic, personally identifiable information (PII) verification should no longer be trusted for remote user interaction. For those of us in the fraud and identity space, this isn’t a new revelation, but one we as an industry have been dealing with for years. As the data breach floodgates continue to be pushed further open, PII is a commodity for the fraudsters, evident in PII prices on the dark web, which are often lower than your favorite latte. Identity-related schemes have increased due to fraud attacks shifting away from card compromise (due to the U.S. rollout of chip-and-signature cards), double-digit growth in online and mobile consumer channels, and high-profile fraud events within both the public and private sector. It’s no shock that NIST has taken a sledgehammer to previous guidance around identity proofing and replaced it with an aggressive and rather challenging set of requirements seemingly founded in the assumption that all PII (names, addresses, dates of birth, Social Security numbers, etc.) is either compromised or easily can be compromised in the future. So where does this leave us? I applaud the pragmatic approach to the new NIST standards and consider it a signal to all of us in the identity marketplace. It’s aggressive and aspirational in raising the bar in identity proofing and management. I welcome the challenge in serving our public sector clients, as we have done for nearly a decade. Our innovative approach to layered levels of identity verification, validation, risk assessment and monitoring adhere to the recommendations of the new NIST standards. I do, however, recommend that any institution applying these standards to their own processes and applications ensure they place equal focus on comparable alternatives for those addressable populations and users who are likely to either opt out of, or fail, initial verification steps stringently aligned with the new requirements. While too early to accurately forecast, it’s relatively safe to assume that the percentage of the population “falling out of the process” may easily be counted in the double digits. It’s only through advanced analytics and technology reliant on a significant breadth and depth of identity data and observations that we can provide trust and confidence across such a diverse population in age, demographics, expectations and access.

Mar 07,2018 by