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proactively vetting staff and
through the HR team looking at
profiles. For example, those with
‘unshareable problems’. These are
employees with money issues and
no one to share it with at home or
outside work. They may approach
the boss but are told in no
uncertain terms that they must
leave their private lives at home.
What then happens is that he feels
like he does not owe the company
anything and so he begins to steal.
If retailers looks for tell-tale signs
and started to recognise those
who are susceptible to this you can
build a sense of loyalty and avoid
the problem.”
CNP THREAT
By far the biggest risk to retailers
is card not present fraud and the
lack of adequate checks and
measures.
“We have an instant satisfaction
culture built upon undeserved
trust. There are no checks and
balances to say that delivery could
be made, not in 24 hours, but 48
hours or even 72 to allow for
checks to be carried out ensuring
that the person who says they live
at a certain address does in fact
live there. Carriers such as the
Royal Mail do not really care who
they deliver to. By using a retailer’s
own vehicles or paying extra for
checks to be made – making sure it
is not a derelict or empty building
and taking photographs, could
help reduce the problem.”
“They can look for anomalies as
well such as if the shopper has a
Yahoo or Hotmail account or a
London phone number but a
Nottingham address, for example.
If in doubt, simply don’t send the Getting the retailers have to do more are not holding onto sensitive data
goods or contact the police. This point across themselves or work in a form of for any longer than they need to.
should certainly be the case with – Jeffrey collaborative partnership like
high ticket value items if there is Robinson, APACS and the City of London OUTSOURCING:
not a good transactional history in the Laundry Police which has been quite It is time for a coffee re-fill,
place.” Man effective. caffeine providing the fuel for
Such checks and measures come Phishing is another phenomenon Robinson’s vitriol as he re-adjusts
at a price, argues Robinson, but that retailers and police struggle to UK time. He has now set his
they will reduce fraud by many with, warns Robinson. Servers target on retailers that outsource
times the amount of the located in different territories all their call centre activities overseas
investment. over the world from where hackers for handling the self-same sensitive
“The technology to do this is can access bank account details of data. It is here that the caffeine
right there. It may cost £5 million, unsecure customer data. This is a kicks in:
but it will save £50 million in the loop hole that the PCI regulations “Any company that uses a call
long run in reduced fraud. are trying to close by carrot and centre to process payments
“The police are overburdened so stick measures to ensure retailers deserves to be robbed. The
16 • RETAIL FRAUD
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