During the first half of 2010, a number of clients were the victims of a phishing attack in which criminals used hoax e-mails to collect log-in codes before contacting affected clients by telephone to ask for their signing codes. They were successful in a small number of cases. Also in 2010, the computers of several clients were infected by a banking Trojan, a virus that tries to insert itself between the client's computer and the bank during online banking sessions. The improvements in monitoring have paid off in this area too. Skimming Skimming involves copying the magnetic data on a bank card or credit card and obtaining the user's PIN in one way or another. Bank cards are then forged, which criminals use to withdraw cash, often abroad. Various steps have been taken to protect Rabobank's ATMs, as a result of which our ATMs have not been affected by skimming for over a year. Intensive sector-wide talks are being held on skimming that involves POS terminals in shops, unstaffed petrol stations and ticket dispensers in car parks, and action is being taken to combat this particular form of crime. At the same time, there are effective methods for detecting skimming, and if a skimming attack is detected, the relevant bank cards are blocked as a preventative measure, after which the affected clients are notified and compensated if necessary. Within the foreseeable future, payments will be made using the chips found in bank cards, and the magnetic stripe will no longer be used for payments in the Netherlands or any other SEPA countries. This will lead to a substantial reduction in the problem of skimming for Dutch clients and banks. Blowing open ATMs For the past two years, Rabobank has suffered a great deal as a consequence of ATMs being blown open by criminals. As this form of crime can have serious consequences in terms of both structural damage and concerns within the community, Rabobank purchased a system to prevent attacks. We have developed this system further, and it has proved to be highly effective against all attacks on ATMs fitted with an anti-explosive solution. This system is now being rapidly installed. In addition to this main measure, supplementary measures are also being taken to prevent such attacks. 17 Focusing on the customer

Rabobank Bronnenarchief

Annual Reports Rabobank | 2010 | | pagina 18