Notes
Slide Show
Outline
1
ATM Security
  • Environmental Security
  • Physical Security
  • Electronic Security
  • Security Test
2
"Georgia ATM Lighting Standards"
  • Georgia ATM Lighting Standards


    • Candlefoot (Footcandles)
      •  the light intensity of candles on a horizontal plane at 36 inches above ground level and five feet in front of the area to be measured.
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Customer Safety & Education
  • Choose an ATM carefully and use common sense
    • Be aware of your surroundings, particularly at night
    • Walk away if you notice something suspicious

  • Protect your ATM card
    • Know where it is at all times and keep it secure
      • Even debit or credit cards at restaurants
    • Carry only the cards you think you'll need
    • Destroy old or expired ATM cards

  • Safeguard your PIN
    • Memorize the number
    • Don't share your PIN with anyone
    • Make sure that no one can see your PIN as you enter it at the ATM keypad


6
"Withdraw cash safely"
  • Withdraw cash safely
    • Have your ATM card in your hand as you approach the ATM.
    • What if you drive to an ATM?
      • Keep the engine running, lock all doors and roll up the passenger-side windows. If it's night-time and a drive-up machine isn't available, park in a well-lit area close to the ATM and, if possible, take another person with you.
  • Promptly report anything suspicious
    • Encourage immediate notification of
      • lost or stolen cards
      • unsolicited calls for PIN numbers
      • unauthorized ATM or debit card transactions
7
Common Mistakes
  • Belief that an incident won’t happen at my bank.
    • We get calls every week - be prepared!
  • Belief that we aren’t liable for 3rd party criminal acts.
    • Not being liable and winning a lawsuit are different issues!
  • Belief that bank examiners won’t ask for ATM compliance documentation.
    • State and Federal examiners are asking for it!
  • Consider using a lighting vendor for compliance inspections.
    • Light meters can be confusing
8
Physical Security
  • Security Features to Consider
  • Mirrors
  • Sensors that detect when something has been attached
  • Privacy screens
  • Replacement of business-hour safes with UL 291 Level 1 safes
  • Mas-Hamilton Locks
9
"Physical Security"
  • Physical Security
    • Seismic Alarm
    • Motion Detector
    • Non-Pop Off Sides
  • Police Escort
  • Vary Hours
  • Bolting ATM to floor
  • Reinforcing Bracket
  • Lock protection


10
"Dual Control"
  • Dual Control
  • Transporting Money
  • ATM Buildings & Pneumatic Tube Transports


11
"Problem:"
  • Problem:
    • Smash & Grab
      • Increase in vandalism & machine theft



  • Solution:
    • Fluiditi
      • Ink Staining
12
"Credit / Debit Card Fraud"
  • Credit / Debit Card Fraud


    • Sign card as soon as possible
    • Keep PIN separately
    • Receipts with numbers on it
    • Fraudulent use of your ATM Card can be a passport to your account!
13
"ATM Scam’s"
  • ATM Scam’s


    • How to recognize scams


      • Card Reader Examination


      • Check your Surroundings

14
"Common ATM Scams"
  • Common ATM Scams
    • Card Theft
      • Card Trapping Devices
    • Shoulder Surfing
      • Guard your PIN carefully!
    • Fake Overlays
      • PIN pads
    • Phishing
      • Internet Fraud


  • New ATM Scams
    • Lebanese Loop Scheme 1
    • Lebanese Loop Scheme 2
    • Fake ATM Machines





15
Electronic Security for ATMs
Some Basic Considerations
  • Unique device with similar standards


  • Specific unit considerations


  • Standard and/or specific applications


  • Procedures and people
16
ATM Electronic Security
A Unique Device in Electronic Security Plan

  • Your security standards – customers/employees
  • Exposure – more or less
  • Level 1 or business hours
  • Depository, card readers and cash dispenser
  • Burglar notification devices and alarms
  • Surveillance applications
  • Servicing Considerations – remote alarm


17
ATM Electronic Security
Specific Unit Considerations

  • On premise or remote
  • Drive Up or Walk Up
  • Drive Up Kiosk – walk in or not
  • Island units – no kiosk
  • Pedestal Units
  • Lighting and burglar alarms



18
ATM Electronic Security
Standard and/or Specific Applications

  • Premise light and surveillance – halide, variable
  • Fascia protection – static, jitter
  • Access control devices - biometrics
  • Safe protection – area and unit device layers
  • Motion and Tracking Protection - GPS
  • Burglar alarms – local, internal



19
ATM Electronic Security
People and Procedures

  • Apply standard practices and devices
  • Surveillance – in and out
  • Potential silent alarms – activation
  • Personal alarm activation
  • Cell phones
  • Education
20
"Q & A Session"
  • Q & A Session
  • Security Test