49th EAST Meeting hosted by LINK in London

The 49th EAST Meeting (National Members) was hosted by the LINK Scheme in London on 8th October 2019. National country crime updates were provided by 20 countries, and a global update by HSBC.  Topics covered included payment fraud and the continuing evolution of payment technology and related threats, terminal related fraud attacks, malware and logical attacks, and ATM related physical attacks.

The European Cybercrime Centre (EC3) at Europol gave a presentation on the ‘Genesis’ dark web marketplace where cyber-criminals are selling digital fingerprints (bots).  This was followed by a presentation from the INTERPOL Financial Crimes unit on ATM and payment crime.

The Gulf Cooperation Council Police (GCCPOL) then shared an update on payment and fraud isses seen by their 6 member countries. In recognition of their first attendance at an EAST Meeting, GCCPOL representative Major Mohammed Khalid Alabsi presented the current Chair of EAST, Ms Veronica Borgogna (BANCOMAT SpA), with a mementoe of the occasion.  EAST Executive Director Lachlan Gunn said: “We are delighted to be strengthening our relationship with the GCC and the Arab States of the Gulf, another step forward in enhancing the global value of our National Member platform.”

Presentations were also given by the EAST Expert Group on All Terminal Fraud (EGAF) and the EAST Expert Group on ATM and ATS Physical Attacks (EGAP).  An update was given by the EAST Payments Task Force (EPTF).

EAST Fraud Update 3-2019 will be produced later this month, based on the national country crime updates provided at the 49th EAST Meeting.  EAST Fraud Updates are available on the EAST Website to EAST Members.

Terminal Fraud Update – EAST FCS Seminars 2019

Terminal Fraud

Act now to save your place for the Terminal Fraud Seminar that will be held by the EAST Expert Group on All Terminal Fraud (EGAF) on 9th October 2019.

SESSION FOCUS – LOGICAL SECURITY UPDATE

This session will focus on logical attacks against ATMs. These can be split into two types – black box attacks and malware attacks.

Terminal FraudEAST EGAF Chair, Otto de Jong of ING Bank, will first present on black box attacks. These are a type of jackpotting attack. The criminals connect an unauthorised device (or black box) which sends dispense commands directly to the ATM cash dispenser in order to ‘Cash-Out’ the ATM. He will cover the latest developments for this type of attack methodology.

Terminal FraudThen Terence Devereux of Diebold Nixdorf will present an update on malware attacks. For these attacks the criminals use unauthorised software, or authorised software run in an unauthorised manner, on the ATM’s PC. These attacks are focussed on either jackpotting (most common), or card skimming, as follows:

  • Jackpotting: Targets control of the cash dispense function in order to ‘cash-out’ the ATM
  • Man-In-The-Middle (MitM): Targets communication between the ATM’s PC and the acquirer host system in order to falsify host responses and dispense cash without debiting the criminal’s account
  • SW-Skimming: Targets card and PIN data in order to create counterfeit cards for subsequent fraudulent transactions

This interactive event follows the basic structure of EAST EGAF Member meetings. Attendance at EAST EGAF meetings is limited, as it is a working group, and this event enables a wider participation and the opportunity for all attendees to engage with the Group and its organizers.

Terminal Fraud

The EAST FCS Seminars will be co-located with RBR’s ATM & Cyber Security 2019 event, although separate registration is required.


2019 EAST FCS ATM Physical Attack Seminar Sponsors

 

 

 

 

Additional sponsorship opportunities are still available

Terminal Fraud Update – EAST FCS Seminars 2019

Terminal Fraud

Act now to save your place for the Terminal Fraud Seminar that will be held by the EAST Expert Group on All Terminal Fraud (EGAF) on 9th October 2019.

Terminal Fraud TERMINAL FRAUD SEMINAR- PROGRAMME UPDATE

  • EAST Executive Director Lachlan Gunn will share the latest Terminal Fraud Statistics published by EAST, covering the period January to June 2019;
  • Veronica Borgogna of BANCOMAT S.p.A will provide a national threat assessment for Italy
  • and Ben Birtwistle of RBS will provide a national threat assessment for the UK

The national threat assessments will cover card compromise and logical/malware attacks

This interactive event follows the basic structure of EAST EGAF Member meetings.  Attendance at EAST EGAF meetings is limited, as it is a working group, and this event enables a wider participation and the opportunity for all attendees to engage with the Group and its organizers.

ATM Physical Attacks

The EAST FCS Seminars will be co-located with RBR’s ATM & Cyber Security 2019 event, although separate registration is required.


2019 EAST FCS ATM Physical Attack Seminar Sponsor

Additional sponsorship opportunities are still available

48th EAST Meeting hosted by Europol in The Hague

The 48th EAST Meeting (National Members) was hosted by Europol at their Headquarters in The Hague on 5th June 2019. Presentations were made by the European Cybercrime Centre (EC3) and the European Serious Organised Crime Centre (ESOCC).

National country crime updates were provided by 18 countries, and a global update by HSBC. Topics covered included payment fraud and the evolution of payment technology, ATM malware and logical attacks, terminal related fraud attacks and ATM related physical attacks.

Presentations were also given by the EAST Payments Task Force (EPTF), the EAST Expert Group on All Terminal Fraud (EGAF) and the EAST Expert Group on ATM and ATS Physical Attacks (EGAP).

EAST Fraud Update 2-2019 will be produced later this month, based on the national country crime updates provided at the meeting. EAST Fraud Updates are available on the EAST Website to EAST Members.

48th EAST Meeting

2019 EAST FCS Seminars – Programme Announcement

EAST FCS

The programme for the 2019 EAST FCS Seminars is now available.

Two concurrent seminars will be held on 9th October 2019:

EAST FCS Terminal Fraud Seminar (organised by the EAST Expert Group on All Terminal Fraud (EGAF)

This interactive event follows the basic structure of EAST EGAF Member meetings.  An introduction to the Group will be followed by a presentation of the latest EAST Fraud Statistics (H1 2019) and a high-level overview of the European situation by Europol.  Then a session will then focus on the terminal fraud situation in four countries/regions, followed by a short discussion.  This will be followed by a practical demonstration of Project Checkcard, aimed at checking the validity of EMV cards, followed by a session topic still tbc.  Attendance at EAST EGAF meetings is limited due to the size of the Group and this event enables a wider participation and the opportunity for all attendees to engage with the Group and its organizers.

EAST FCS ATM Physical Attacks Seminar (organised by the EAST Expert Group on ATM & ATS Physical Attacks (EGAP)

This interactive event follows the basic structure of EAST EGAP Member meetings.  An introduction to the Group will be followed by presentation of the latest EAST Physical Attack Statistics (H1 2019) and recent attack definitions, and a high-level overview of the European situation.  Then a session will focus on the ATM physical attack situation in five countries, which will be followed by a session on banknote infrared recognition.  The event will conclude with a Q&A session on all attack types and counter-measures.  Attendance at EAST EGAP meetings is limited, as it is a working group, and this event enables a wider participation and the opportunity for all attendees to engage with the Group and its organizers.

HIGHLIGHTS FROM THE TERMINAL FRAUD SEMINAR

Otto de Jong, of ING Bank and Chair of EAST EGAF, will host the Terminal Fraud Seminar and chair the discussion on Threat Assessments – Europe;

Tobias Wieloch, of Europol’s European Cybercrime Centre (EC3), will provide an overview of terminal fraud in Europe from Europol’s perspective;

Arnt Olav Rottereng, of EVRY ATM Services, will update on the terminal fraud situation in the Nordics;

and Tobias Heckmann, Software Developer at the University of Applied Sciences Bingen, will present and demonstrate Project CheckCard, an investigation tool designed to assist law enforcement to validate whether or not a smart card is genuine.

 

New EAST Fraud Definitions now available in Russian

EAST Terminal Fraud Definitions are now available in the Russian language.  At the end of 2018 EAST upgraded its Terminal Fraud Definitions to illustrate what the criminal target outcome is for each fraud type.  In the upgraded definitions each applicable criminal benefit is highlighted next to each terminal fraud type.

The translation was carried out by two EAST National Member organisations – the Ukrainian Interbank Payment Systems Member Association “EMA”  and the MasterCard Members Association (MCMA).

These fraud definitions are used by EAST when issuing Fraud Alerts, or when compiling the statistics and other information for European Payment Terminal Reports and Fraud Updates.  The aim is for these Terminal Fraud Definitions, as well as the related criminal benefits, to be adopted globally when describing or reporting payment terminal fraud.  This translation into Russian is another step forward towards achieving this.

Below is the  definition for Card Skimming in the Russian language.

The definitions have been classified ‘WHITE’ under the terms of the EAST Information Security Policy and may be shared freely, subject to standard copyright rules.

EAST EGAF holds 18th Meeting in Amsterdam

EGAFThe Eighteenth Meeting of the EAST Expert Group on All Terminal Fraud (EAST EGAF) took place on Wednesday 8th May 2019 at ING Domestic Bank in Amsterdam.

EAST EGAF is a regional expert group that focuses on regional and global payment terminal crime and fraud related issues, threats and counter-measures.

The meeting was chaired by Mr Otto de Jong and was attended by key representatives from Terminal Deployers, Terminal Vendors, Networks, Card Schemes, Security Equipment and Software Vendors, Law Enforcement and Forensic Analysts.

The Group, which meets three times a year in advance of each of the meetings of EAST National Members, enables in-depth and technical discussion to take place on Logical and Malware attacks, Card Skimming, Card Trapping, Cash Trapping and Transaction Reversal Fraud.

In addition EAST EGAF generates EAST Fraud Alerts for all EAST Members (National and Associate). In total 210 EAST Fraud Alerts have been issued, 9 to date in 2019.

EAST EGAF meetings are restricted to working group members and, to provide a wider platform for sharing/discussion, the Group is holding a half-day open seminar in London on 9th October 2019.  Registration for this is now open and more information can be found on the EAST Events website.

2019 EAST FCS Seminars – Save The Date!

The 2019 EAST Financial Crime & Security (FCS) Seminars will be held on Wednesday 9th October 2019, at the Park Plaza, Victoria, London, UK.  Save the date!  Register now to get the Early Bird Registration Rate and save £100 on the Standard Registration Rate! (see current 2019 prices here)

Early Registration deadline – Monday 19th August 2019

Two concurrent seminars will be held:

To view last year’s EAST FCS programme and speakers or to check the venue details please visit our events website: www.east-events.org

These events will be co-located with RBR’s ATM & Cyber Security 2019 event, although separate registration is required.

FCS Seminars

EAST Upgrades Terminal Fraud Definitions

EAST has upgraded its Terminal Fraud Definitions to illustrate what the criminal target outcome is for each fraud type.  This information is now available on the EAST website.

The EAST Expert Group on All Terminal Fraud (EGAF) has identified six ways by which criminals achieve their targets from the different terminal fraud types as shown below:

In the upgraded Terminal Fraud Definitions each applicable criminal benefit is highlighted next to each terminal fraud type.  The defined Terminal Fraud Types are: Card Skimming; Card Shimming; Eavesdropping; Card Trapping; Cash Trapping; Transaction Reversal Fraud (TRF); Malware; and Black Box.

Below is the definition for Card Skimming which highlights that skimming enables criminals to: Create counterfeit cards; make card-not-present (CNP) purchases; use fake cards in-store; and sell compromised data.

fraud definitions - card skimming

EAST Executive Director Lachlan Gunn said “This is a major step forward in standardising the classification of terminal fraud, which will hopefully help to continue to drive down related fraud losses. The EGAF Chair, Otto de Jong, and his team have produced something fresh and simple which we hope will be adopted globally by the Industry and Law enforcement when describing or reporting terminal fraud. In particular we would like to thank Ben Birtwistle of NatWest Bank plc, along with Claire Shufflebotham and Niek Westendorp of TMD Security, whose creative ideas and design made this latest upgrade possible.”

A summary of the upgraded fraud definitions and terminology is available on the EAST website along with a more detailed document for download.  These have been classified ‘WHITE’ under the terms of the EAST Information Security Policy and may be shared freely, subject to standard copyright rules.

200 Fraud Alerts Issued by EAST

EAST has published its 200th Fraud Alert.  These Alerts are issued by EAST National Members, often with the support of Law Enforcement and other EAST Associate Members.  To date 28 countries have issued Fraud Alerts covering ATMs, Unattended Payment Terminals (UPTs) and Point of Sale (POS) Terminals.

EAST first started issuing Fraud Alerts in September 2013.  These Alerts provide valuable and timely intelligence to law enforcement agencies and the industry, allowing the spread of emerging threats and criminal methodologies to be tracked across the world.  While most of the Alerts have been issued by countries within the Single Euro Payments Area (SEPA), there have been some from Belarus, Mexico, Russia, Serbia, Turkey, Ukraine and the United States.

To date EAST Fraud Alerts issued have covered:  Black Box attacks (cash out / jackpotting); Card Shimming (S1 devices); Card Skimming (highlighting the spread of different devices such as M1, M2, M3, D2 and D3); Card Trapping; Cash Trapping; Deposit Fraud; Eavesdropping (highlighting the use of different MOs such as E2 and E3); EMV Shock Cards; Malware (cash out / jackpotting); Transaction Reversal Fraud; and Vandalism.  The table below shows a summary the Alerts issued:

Fraud Alerts

Definitions of the different fraud types and related terminology are available on this website.

The EAST Expert Group on All Terminal Fraud (EGAF) initiated the Fraud Alerts and conducts in-depth analysis of some of the emerging threats and devices.  Each Alert covers: the type of fraud; the country where discovered; the terminal type(s) affected; an indication as to whether or not the fraud was successful; a description of the device and the criminal MO; indication as to the device location; information on PIN compromise (if card skimming or card trapping); and any available images.

EAST also issues Payment Alerts and Physical Attack Alerts.

EAST Alerts contain sensitive information and are restricted to EAST Members (National and Associate).  They are classified as AMBER using the variant of the Traffic Light Protocol (TLP) adopted by EAST.