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Finally, looking again at Figure 12-6, we see an example of how phishing compels action with urgency Besides heightening the overall authenticity and impact of the message, this is actually critical to the successful execution of the fraud According to AWPG research, the average life span of fraud sites, measured by how long they continue to respond with content, is only a matter of days Thus, the fraud is most successful when it drives the maximum number of users to the fraudulent site in the shortest amount of time, to maximize the harvest of user credentials Of course, the carnage that occurs after a scam artist obtains a victim s sensitive information can unfold with anything but a sense of urgency Identity theft involves takeover of accounts and also opening of new accounts using the information gleaned from fraud-like phishing Even though victims are typically protected by common financial industry practices that reduce or eliminate liability for unauthorized use of their accounts, their creditworthiness and personal reputations can be unfairly tarnished, and some spend months and even years regaining their financial health You IT pros in the audience who may still be snickering at the misfortunes of hapless end users should read about the lawsuit filed by a Bank of America customer who blamed the bank for failing to alert him to malicious code that had infected his computer and authorized a $90,000 wire transfer to Latvia See http://searchsecuritytechtargetcom/columnItem/0,294698,sid14_gci1062440,00html

CHAPTER 7:

Thanks (unfortunately) to the burgeoning popularity of this type of scam, the Internet is awash in advice on how to avoid and respond to phishing scams Some of the resources we ve found to be the most helpful for end users include: http://anti-phishingorg/consumer_recshtml http://wwwftcgov/bcp/edu/microsites/idtheft/ New technologies have come out in recent years that have effectively squashed the phishing threat While attacks such as these do occur still, many can be prevented by the usage of technologies such as SiteKey For example, Bank of America uses SiteKey to tell you that you are on the legitimate version of their website The technology forces you to pick an image to be assigned to your username When you log in, you must confirm that the image presented is indeed the image you originally chose when you set up the access This type of technique is highly effective in preventing phishers from capturing your usernames and passwords but it requires you to be diligent as well For more information about Bank of America s SiteKey usage, check out http://wwwbankofamericacom/ privacy/sitekey/ While technologies like SiteKey play an important role in increasing the security of any website s authentication model, they are not foolproof, as their weakest link is always the body sitting in between the chair and keyboard For example, a recent MIT/Harvard study found that 92 percent of online customers don t notice when the SiteKey image is not presented and will go ahead and log in with only their username and password

4 Click the Go button Word searches for matching media types and displays them in the pane The first time you search, a Microsoft Clip Organizer dialog box may prompt you to decide whether to include extra clip art images and photos from Microsoft Office Online in your searches If you have a fast Internet connection, searching Microsoft Office Online is usually a good idea, as you ll find a wider range of images Once you find a clip that matches your needs, you can insert it in your document by clicking its thumbnail You can also move the mouse pointer over the thumbnail, click the drop-down button that appears, and choose one of the following actions from the menu (shown here):

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