2023年4月6日

Ondato是一家总部位于伦敦的科技公司，该公司简化了了解客户(KYC)和反洗钱(AML)流程。根据Ondato在2022年对其客户进行的数百万次身份验证的分析显示，欺诈者错误地认为身份证是一个容易被攻击的目标。根据对2022年为其客户进行的数百万次身份验证的分析，Ondato发现，52%的欺诈性验证尝试使用了身份证，远远领先于驾驶执照(29%)和护照(18%)。Ondato表示，欺诈者很可能低估了身份证的价值，错误地认为身份证比其他证件更容易复制。虽然用肉眼识别假卡相当困难，但如今的人工智能身份验证系统使公司能够通过自动检查发现骗子。近年来，随着企业将用户入职流程转移到网上，身份证件欺诈的机会迅速增加。新冠肺炎疫情进一步加速了这一趋势。为了应对这一威胁，各国政府和监管机构已出台——并定期更新——防止非法活动的要求，尤其是在为犯罪和恐怖主义融资而洗钱方面。据估计，犯罪分子每年在全球范围内洗钱高达2万亿美元，仅在一年内，全球银行就因违反洗钱规定而被罚款104亿美元。然而，加强对“反洗钱”法规的安全遵从性也会给登录流程带来负担，这会减慢注册速度，并阻止新用户登录。Ondato首席执行官兼联合创始人Liudas Kanapienis表示:“Ondato的报告强调了欺诈企图的频率，但也强调了高质量人工智能验证可以发现欺诈者的方式。 AI can deal with even sophisticated threats including biometric spoofing and photo and user replay video attacks. To meet the threat, companies need automated AI solutions that protect against fraud and make processes more efficient.” Related Posts Any industry covered by AML regulations is a potential target for fraudsters. As well as banks and other financial institutions, this can include cryptocurrency marketplaces, gambling services companies, lawyers and notaries, accountants and audit advisors, auction houses and antique dealers. The penalties for non-compliance with the European Union’s 5th AML Directive (5AMLD), for example, include fines of up to €5 million or 10% of annual turnover, and intense reputational damage. Other key findings in the new report are: Brazil and France recorded the highest number of fraud attempts of any country, with one in 20 user and customer onboarding applications based on fake ID. Fraudsters typically used cheap mobile “burner phones” in attacks, to get easy, fast access to public networks and disguise their real IP address. Mexican documents were the most commonly used in attempted fraud. Male users submitted the majority (69%) of forged documents.