3 fraud trends to watch for this holiday season

first_imgExpectations are high that holiday shopping will look quite different this year. Unfortunately, this uncertainty is allowing fraudsters to take advantage of consumers already on edge during a time of unprecedented change and upheaval.Due to the COVID-19 pandemic, in-store shopping at brick and mortar stores will be significantly curtailed. Already, 30 percent of Americans plan to avoid in-store shopping as much as possible due to health concerns, according to Kount’s “The 2020 Holiday eCommerce Guide.” Recognizing the risks associated with hosting massive crowds of shoppers during a pandemic, major retailers, including Target, Best Buy, Walmart and Kohl’s, have all announced they will be closed on Thanksgiving this year. In any event, the holiday season is already well underway, after kicking off unofficially with a hugely successful Amazon Prime Day (October 13-14), and is expected to last much longer than usual. Home Depot, for example, has announced a two-month Black Friday shopping season extending from November 1 through the end of the year, with holiday pricing available throughout that period. Fraudsters Capitalize on UncertaintyWith the promise of an extended holiday season and a strong push toward online shopping, credit union executives should keep a wary eye on three concerning fraud trends:1. Account Takeovers. Since the start of the COVID-19 pandemic, eCommerce account takeover fraud (ATO) rates have jumped by 378 percent. Among victims of such fraud, 41 percent reported that payment details were stolen and used to make purchases, 37 percent had money taken directly out of their accounts and 37 percent had reward points or credits stolen and used to buy goods or services, according to Sift’s “Q3 2020 Digital Trust & Safety Index.” Credit unions are clearly worried, as evidenced by the 46 percent of surveyed participants in CO-OP Financial Services’ October 8 FraudBuzz webinar who responded they were most concerned with ATO this holiday season.2. Curbside Pickup. Another rising area of fraud targets “Buy Online, Pickup in Store,” or BOPIS. Retailers are increasingly offering curbside pickup. Criminals have identified this channel as a point of weakness, recognizing it as a new channel with loose in-person authentication protocols. 3. eGift Cards. The third area of risk expected to rise this holiday season is eGift card fraud. This is nothing new — fraudsters have long targeted gift cards due to their anonymity and difficulty in being traced, and each year scammers steal $950 million through this channel, according to Kount. Common methods include purchasing gift cards with stolen payment data or asking for return credit in form of a gift card instead of cash or exchange. Some of the bolder schemes have used account takeovers to buy gift cards in bulk or involved the hacking of merchant POS systems to steal batches of gift card numbers.How to Keep Your Members SafeOf course, consumers are not powerless while shopping in-store or online, and your credit union has an important role to play in helping your members protect themselves.Talk to your members about common-sense online security to help protect against ATO fraud, which starts with using unique, strong passwords across their various online shopping sites. Also encourage them to use multi-factor authentication when available on eCommerce sites. It requires an extra step before checking out, but offers an extra layer of protection, because a fraudster is unlikely to possess both the consumer’s passwords and their smart phone or another device.Lastly, urge your members to sign up for a password management system, which can protect all their unique codes and allow them to be used across various shopping websites securely and conveniently.It’s been an unusual year, to put it mildly. But your credit union can do its part to keep the Grinches at bay and help ensure the holiday spirit stays alive this shopping season. 55SHARESShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr,Ashley Town Ashely Town is Director of Fraud Services for CO-OP Financial Services (www.co-opfs.org), a provider of payments and financial technology to credit unions. She can be reached at ashley…. Web: https://www.co-opfs.org Details This post is currently collecting data…center_img This is placeholder text last_img read more

How Tioga County plans to attract and keep a talented workforce

first_img(WBNG) — As the Southern Tier tries to navigate uncertain economic times during the pandemic, one county is planning for the future. Woodburn told 12 News students will largely be the key to the county’s economic success. She said developing their skills and making them marketable to local companies will help keep talented people in Tioga County. The county’s 2020-2025 Workforce Development Strategy outlines four points of attack. Economic officials hope this plan will give the county the best chance at sustained economic success. First, to create skill development and training for students; secondly, to enhance collaboration between schools and local businesses. Third, attempt to clarify the county’s actual employers, not just the ones people know about; finally, celebrating Tioga County and everything it has to offer to people looking to live and work in the area. A new five year strategy aims to maximize Tioga County’s economic potential. “Start a conversation and acknowledge a change in dialogue to explore how the education sector can work more collaboratively, share resources among our school districts for our students, and support that talent demand,” said Brittany Woodburn, the deputy director of economic development and planning for the county.last_img read more

Meet K9 Mag, Owego’s newest furry officer

first_imgOWEGO (WBNG) — The Village of Owego Police Department added a new K9 to its ranks. In a news release, police say Mag had several homes before she came to the the Southern Tier Police Canine Association in Binghamton, via its “Homeless to Hero” program. They say she completed her K9 training with ease and excelled in narcotics detection. The department believes K9 “Mag” is a 3-year-old pitbull/Belgian malinois mix. She is trained in narcotics detection and tracking.center_img The association then donated Mag to the Owego Police Department. After completing handler school, Mag and her handler, Officer Andrew Pike, will begin serving the village.last_img

Shermie Heart Pullover Sweater Is an Amazon Bestseller

first_img– Advertisement – Get the Shermie Pullover Cute Heart Sweater for just $30 at Amazon with free shipping! Please note, prices are accurate at the date of publication, November 11, 2020, but are subject to change.This sweater is available in six colors, all with contrasting heart designs. Your options are beige with a black heart, white with a red heart, navy with a white heart, grey with a white heart or one of the two black versions, one with a white heart and the other with a purple heart. You’ll notice that covers only half of the options available on the Amazon page, so make sure to check out the remaining six for different heart designs that are equally cute!This sweater is ready to go everywhere with you. Wear it over stretchy leggings for Thanksgiving dinner or with the front tucked into jeans for a walk around town as you step on all of the crunchy leaves. It’s ready to be gifted to someone else too — we know we’d love to unwrap one come holiday time! See it!Get the Shermie Pullover Cute Heart Sweater for just $30 at Amazon with free shipping! Please note, prices are accurate at the date of publication, November 11, 2020, but are subject to change.Not your style? Check out more from Shermie here and shop other pullover sweaters here! Don’t forget to browse through all of Amazon’s Daily Deals for more great finds!Check out more of our picks and deals here!This post is brought to you by Us Weekly’s Shop With Us team. The Shop With Us team aims to highlight products and services our readers might find interesting and useful, such as face masks, self tanners, Lululemon-style leggings and all the best gifts for everyone in your life. Product and service selection, however, is in no way intended to constitute an endorsement by either Us Weekly or of any celebrity mentioned in the post.The Shop With Us team may receive products free of charge from manufacturers to test. In addition, Us Weekly receives compensation from the manufacturer of the products we write about when you click on a link and then purchase the product featured in an article. This does not drive our decision as to whether or not a product or service is featured or recommended. Shop With Us operates independently from advertising sales team. We welcome your feedback at ShopWithUs@usmagazine.com. Happy shopping! There is sometimes a fear with designs like hearts and stars that a piece can come across as juvenile, no matter how much you like the idea of it. Some brands lean a little too far into the whole childlike wonder thing, making everything a little cartoonish. This top-rated sweater on Amazon, however, will show you how to make a heart design so, so chic!Shermie Pullover Cute Heart SweaterAmazonSee it!Get the Shermie Pullover Cute Heart Sweater for just $30 at Amazon with free shipping! Please note, prices are accurate at the date of publication, November 11, 2020, but are subject to change.- Advertisement – This fan-favorite Shermie sweater checks all of the boxes when it comes to a nice pullover sweater. It’s warm and comfy, it has a relaxed but not bulky fit, it’s lightweight and it has a ribbed neckline and hem, plus ribbed cuffs at the ends of the long sleeves. It has just the right length and thickness too where you can easily tuck it into your pants or leave it out for equally cute styling!That big heart detail in the center though? That’s the real stunner. It’s adorable and sophisticated at the same time, and when you take a closer look, it only gets better. The heart has a heavier knit pattern, really making it pop — and really making our own heart skip a beat!Shermie Pullover Cute Heart SweaterAmazonSee it!- Advertisement – Us Weekly has affiliate partnerships so we may receive compensation for some links to products and services.You know how some people say they wear their heart on their sleeve? Well, what about on the front of your sweater instead? We know it’s just a saying about being honest and vulnerable with your feelings, but really — do you own any sweaters with hearts on them? Because if we’re being honest, they can be pretty dang cute!- Advertisement –last_img read more

GSF, Partners Call for Joint Action on Cargo Safety

first_imgFour industry organizations are calling for united front with regards to safety aspects of the way in which cargo is packed and transported in unit loads across the global supply chain. During a session of the Intermodal Europe Conference in Amsterdam on November 28, Global Shippers Forum (GSF), ICHCA International, TT Club and the World Shipping Council (WSC) drew attention to the responsibilities of container owners and operators in providing equipment that is fit for purpose and properly packed with cargo as set out in the CTU Code.The organizations have for some months now been working together to improve safety through a focus on cargo integrity. The specific aim has been to promote wider use of the International Maritime Organization (IMO) endorsed CTU Code for correct packing and securing of all cargo transport units (CTUs).Improved standards of declaration and handling of dangerous goods are also within the scope of the code, together with steps to prevent pest contamination, and the provision of containers and other equipment that comply with international rules and standards.The code calls for effective interaction between a shipper, who is responsible for specifying requirements for the type of equipment suitable for the cargo intended to be carried, and a container operator in providing units that satisfy such requirements, meet applicable safety and manufacturing standards, and are clean. Faulty and badly maintained units may have as serious ramifications as incorrect and deficient packing of cargo inside the units.The conference followed a meeting of the Container Owners Association (COA) earlier this week. At the meeting, Bill Brassington, representing ICHCA, stressed the importance of liaising with that group to ensure safe containers are provided. “While we wish to create greater awareness to the way in which cargo is correctly packed into units, we must also emphasise that those units are suitable. Our group and the COA are working together to advise operators of their responsibilities,” Brassington said.“Engagement with governments and industry groups representing the diverse mix of supply chain stakeholders is one of our primary goals,” Peregrine Storrs-Fox from TT Club, explained. “Through communication and understanding of the safety issues comes a wider implementation of the CTU Code and other best practices aimed at cargo and environmental safety. To this end we urge regulatory and advisory bodies as well as associations to unite with us in spreading the good word,” Storrs-Fox added.The group has been working with the IMO for some time, contributing to aspects of the CTU Code and other regulatory recommendations, but there remains an element of concern that governments may not effectively be communicating agreed IMO requirements and advisory information within their jurisdictions.“Although the IMO agreed to amend SOLAS to require a verified gross mass of packed containers as a condition for vessel loading, government enforcement of the regulation may be uneven. We want to make sure that governments as well as industry are promoting the CTU Code and its best practices to all parties in the CTU supply chain around the globe,” Lars Kjaer from the WSC pointed out.Those that pack the units are primarily responsible for cargo integrity and safety. These individuals act on behalf of a shipper or beneficial cargo owners.Chris Welsh as Secretary General of the GSF is representative of shippers within the group of four. He spoke in Amsterdam of the complexity of interaction between stakeholders in the supply chain and how this adds further to the need to engage all in promoting safety.“In many modern international supply chains there are multiple ‘hand-offs’ where cargo is passed variously from manufacturers, suppliers, distributors, warehouses, consolidators, forwarders and logistics operators to shipping lines. Ultimately, however, it is the responsibility of the shipper as the party causing the transport of the CTU unit to demand and control compliance with proper packing standards, and to specify the type of equipment needed for the cargo. This is a responsibility clearly set out in the CTU Code. It cannot be negated or ignored irrespective of the complexity of the logistics chain,” he said.The challenge taken forward by this industry group is communication to all stakeholders. Through governmental and industry events, progress is being made in increasing awareness of the CTU Code and linking with other organizations which can assist in promoting its widespread adoption in order to deliver improved safety and sustainability in the international supply chain.last_img read more

IICA presents 2011-2014 plan for CARICOM countries

first_imgNewsRegional IICA presents 2011-2014 plan for CARICOM countries by: – June 21, 2011 10 Views   no discussions Sharing is caring! Share Sharecenter_img Share Photo credit: pdfc.clWASHINGTON, USA — The director general of the Inter-American Institute for Cooperation on Agriculture (IICA), Víctor M. Villalobos, on Monday presented the institution’s 2011-2014 plan for the countries of the Caribbean Community (CARICOM) in a meeting held at the Organization of American States (OAS) in Washington, DC.Villalobos explained that said program has four principal objectives: to promote agricultural productivity; to improve the sanitary aspects of plants and animals; to support agribusinesses and agricultural tourism; and to face climate change and promote agricultural productivity for food safety.The head of IICA was accompanied by IICA’s associate deputy director and representative in the United States, David Hatch, and by the representatives of the delegations to CARICOM of Antigua and Barbuda, Bahamas, Barbados, Grenada, Guyana, Haiti, Jamaica, Suriname, and Trinidad and Tobago.Caribbean News Now Tweetlast_img read more

Ministerial Task force for National stadium commences work

first_imgMinisterial Task Force set up by Youth and Sports Development Minister Mr. Sunday Dare will on Monday commence work with the verification of occupants and identification of illegal structures at the complex, even as the Lagos State Commissioner for Physical Planning Dr. Jide Salako has been named as a member of the committee. Dare After so many years of neglect, the Minister had set up the committee headed by the Permanent Secretary of the Ministry Mr. Gabriel Aduda to restore sanity to the complex ahead of the planned concession. While inaugurating the committee, Mr.Dare charged the committee to bring back the lost glory of the edifice. ” The National Stadium, Lagos holds a lot of fond memories for our Sportsmen and other people. We shall no longer allow our infrastructures to lie waste. All our National stadiums shall be put to best use. Abuja and Kaduna are at an advanced stage, Lagos has approval for concession. Before the process is complete, we need to restore sanity to the place. So the work of the task force is cut out. In the past, we had interlopers, now it is going to be fixed to serve our teeming youth. The task force will carry out its assignment according to the law of the land.”Advertisement The terms of reference of the committee include; carry out an audit of approved tenants, verify details of the tenancy agreement, come up with a list of all approved and unapproved physical structures and approved construction, list of all squatters and their business, investigate staff of the Ministry who allow the presence of the squatters, carry out a detailed analysis of all revenue generated at the stadium and take inventory of all shops and businesses within the stadium premises. The committee headed by Mr. Aduda has members are drawn from the Sports Ministry, Lagos State and the organized private sector. Other members of the committee include Dr. Paul Ohido, Director, Sports Medicine, Barrister Mohammed Danjuma, Director, Legal, Mr. Olajide Ajayi TA. To PS, Mr. Sola Aiyepeku, Executive Chairman, Lagos State Sports Commission, Mr. Peter Nelson Director, PMI, Engineer Alanamu Abolore, Director FM/FASD, Engineer Okedairo, DD , SFDA, Alhaji Bode Durotoye, DD/ LO, Lagos, Architect Abiodun Owoborode, Executive Assitant to HM, Benjamin Ukwuoma, CTO, FASD, Mr.Adeolu Fasanya, SAO,/ FASD,Mr Kehinde Owopetu, CSW/SM, Lagos. Others are Idris Oloruninbe, and Abdulgafar Idris representing the organized private sector. read also:Crown FC Appreciate Sunday Dare for Repairing Stadium Pavilion The committee has 21 days to complete its assignment.The Minister had similarly given illegal occupants at the Moshood Abiola National Stadium, Abuja a 25-day ultimatum to quit to enable rehabilitation work to commence. FacebookTwitterWhatsAppEmail分享 Loading… center_img Promoted ContentThe Best Cars Of All Time7 Truly Incredible Facts About Black HolesIs This The Most Delicious Food In The World?Best & Worst Celebrity Endorsed Games Ever MadeWhat Is A Black Hole In Simple Terms?7 Reasons Why You Might Want To Become A VegetarianPlaying Games For Hours Can Do This To Your Body7 Facts About Black Holes That Will Blow Your MindWhich Country Is The Most Romantic In The World?10 Stargazing Locations To ‘Connect With Nature’The Very Last Bitcoin Will Be Mined Around 2140. Read More10 Characters That Should Be Official Disney Princesseslast_img read more

Daniels takes IMCA Stock Car thriller at Stuart

first_imgRamsey Meyer won the make-up event for Sport Compacts. By Josh Reynolds Daniels took the hard-fought win with Pruitt second, Gettler by a bumper in third, Brandon Pruitt fourth and VanEaton fifth in an absolute barn burner. Pruitt led lap 17 but as he pushed up a bit coming out of turn four, Daniels pounced and moved to the in­side. After some contact in turn one, Daniels got position out front with the top four under a blanket as they came down the backstretch on the last lap. STUART, Iowa (June 19) – Josh Daniels was the winner of an IMCA Sunoco Stock Car thriller Wednes­day at Stuart Speedway. VanEaton moved to second on lap six, but at the halfway point Daniels snuck into the runner-up position. Lap 16 saw another yellow and this made for an exciting finish. Jeremy Gettler led lap one with Chris Pruitt swinging past to take the top spot on lap two, just before the caution came out. When the cars roared back to life it was Pruitt leading Gettler and Todd VanEaton through lap five.  Josh Gilman dominated in taking another IMCA Modified victory. Brandon Cox paced the IMCA Sunoco Hobby Stocks and Brayton Carter collected the Karl Kustoms Northern SportMod checkers. Mitchell Bunch was best in the Mach-1 Sport Compact main. Josh Daniels was the winner of an IMCA Sunoco Stock Car thriller Wednesday at Stuart Speedway. (Photo by Jim Zimmerline)last_img read more

UWF Men’s Basketball Rolls Past Puerto Rico Rio Pedras 70-50

first_imgUWF Men’s Basketball Rolls Past Puerto Rico Rio Pedras 70-50 Share Nov. 17, 2007  Box Score    PENSACOLA, Fla. – The West Florida Men’s basketball team is now 2-0, following their second straight 20 point win. This time the Argos put away Puerto Rico Rio Pedras 70-50 with some great defense. “I thought our defense was real good at the start of the game, stated head coach Don Hogan. “They (Puerto Rico) just played Florida Tech to a very close game, so we knew that they were a good team, and we came out very good defensively.”The Argos cruised out to an 18-2 lead and never looked back. Junior Kenny Holmes (Slidell, La.) led West Florida with 14 points and 10 rebounds. “Kenny is starting to get back to the way he played before injuries,” said Hogan. “He plays very aggressive, and is a good hustler and leaper.” Josh Jackson (Jr. / Madison, Wisc.) and Ryan Henry (Jr. / Fort Lauderdale, Fla.) also scored in double digits with 11 and 10 respectively. Lucas Evangelista (Sr. / Argentina) came off the bench to pull down 10 rebounds and dish out two assists in 24 minutes.Coach Hogan was pleased with his team’s ability to handle different defenses. “We have had two games against quick athletic teams that constantly change defenses, and we have handled it well. We have had a great chance to figure out our rotations and lineups on the floor. We played a lot of people, and the minutes are well distributed, and that will help our depth in upcoming games.” The next game for the Argonauts is Tuesday night at the UWF Fieldhouse against Nova Southeastern at 7:30 pm.West Florida out rebounded the Gallitos 51-37, with Holmes and Evangelista each pulling down four offensive rebounds. Point Guard Deondre Boynton (Jr. / Pompano Beach, Fla.) had eight assists and seven rebounds, and has now played two very solid games distributing the basketball. Freshmen Chris Ammons (Navarre, Fla.) came off the bench to score seven points in his 15 minutes of play. Nine different Argonauts played at least 10 minutes, and 11 different players scored for West Florida.West Florida shot 47% for the game, and the same for both halves, while holding Puerto Rico to only 19% shooting in the first half, and 28% for the game. Abraham Colon led the Gallitos with 13 points and four assists. The West Florida defense forced 19 Puerto Rico turnovers. Charles Bouie (Jr. / Pahokee, Fla.) got the Argos going early as he scored the first basket on a nifty spin move and moments later Rod Doss (Jr. Athens, Ala.) added a dunk to spark an 8-0 run to start the game. The Gallitos would never get any closer the rest of the way. Print Friendly Versionlast_img read more

Knee injury blow for Crystal Palace full-back Joel Ward

first_img The 25-year-old right-back, who scored in Palace’s 2-1 win at Chelsea a fortnight ago, suffered the injury in training. “Unfortunately we’ve lost Joel Ward this week,” said manager Alan Pardew. “After his great performance against Chelsea he’s got injured in training and will definitely be out for three to four weeks, so that’s a blow to us.” Pardew also revealed striker Marouane Chamakh, yet to appear this term due to hamstring trouble, now faces at least another three weeks on the sidelines with an abductor injury. But there was better news ahead of Saturday’s visit of Manchester City as key midfielder Yohan Capaye will be fit. The £10million summer signing from Paris Saint-Germain came off injured during France’s friendly against Portugal last week, but Pardew says he will be available to face the Barclays Premier League leaders. “Yohan came of as a precaution, he’s had problems with his groin and he felt a little bit in the scar tissue,” added Pardew. “He did the sensible thing in coming off and he has trained today (Thursday), and he was magnificent!” With Palace flying high in second, albeit after just four games, Saturday’s clash is a top-of-the-table encounter. “It’s an unusual position for us and something we probably can’t sustain for a long period, but in the short term we can enjoy it,” said Pardew. “We deserve to be there after four games. It’s just a shame there are another 34 to go.” Crystal Palace defender Joel Ward will be sidelined for up to four weeks with a knee injury.center_img Press Associationlast_img read more