I s your business vulnerable to POS cyber criminals in T asmania ? FEATURE GALLAGHER
The THA and Gallagher have some examples to share with members which might make you think twice. Skimming in Australia
Australians make close to $23 million retail purchases a day using credit or debit cards at in-store terminals, according to the Reserve Bank of Australia. Although card cloning is less prevalent in Australia than overseas it increased by 13% between 2016 and 2017, according to Fraud and Cybercrime Squad Commander Detective Acting Superintendent Matt Craft. In June 2017 Craft headed an investigation into a spate of unauthorised ATM withdrawals using ‘cloned’ credit and debit cards with stolen data from the magnetic strip and personal identification information (PIN), classic skimming technology Skimming targets include:
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unattended or unmanned (self-serve) terminals
terminals with high volume use
merchants with periods of high volume sales merchants with high transaction volumes
The hardware Skimming works by either stealing data directly from a customer’s card or from the payment infrastructure at a merchant location. Techniques range from devices attached to or hidden inside terminals, including pinhole cameras or keypad tone recorders, tampering with terminal connections by substituting the cable, for example, to handheld skimmers used by corrupt staff members who on-sell the data they collect while processing your bill. How can businesses protect themselves from skimming? Working closely with representatives from the Australian Crime Commission, the Australian Federal Police and the NSW Police, the Australian Payments Network has designed and developed an industry education program for businesses on how to detect and prevent card skimming on their premises, highlighting what to look for and security measures. Practical steps include • closely monitoring payment equipment for signs of tampering: broken seals, missing screws, decals, and checking network ports • record the serial and model numbers of your devices • check that your POS devices are Payment Card Industry Security Standard Council approved by visiting the PCI SSC website • mounting terminals securely and utilising cables or locking stands to secure the equipment • installing protection software on your POS terminals • consider installing security cameras • screening new hires by conducting background checks How else can the THA & Gallagher support members across Tasmania? Gallagher’s cyber insurance specialists can help tourism and hospitality businesses identify their operational exposures, and provide cost effective Insurance
programs to protect your bottom line. For more details, contact: Nick Roney THA 0439 119 343 Dan Quintin Gallagher 0418 268 409 David McCormack Gallagher 0427 914 833
February 2019 www.tha.asn.au
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