从欺诈检测到预防

White Paper Implementing robust fraud prevention systemsfor today’s increasingly digital and virtual world Executive summary Key Takeaways In an era where remote work and rapidly developing artificialintelligence (AI) technologies are redefining how and wherewe do business, fraud is a rapidly growing concern for global •Over half of organizations experience fraud, resulting in •AI-powered and remote fraud, coupled with a volatile economicclimate, has led to an uptick in fraud incidents that’s expected to With so much unprecedented change, it’s becoming increasinglydifficult for leaders to safeguard business processes, protectsensitive data, and streamline measures to mitigate fraud •Only a holistic fraud prevention system that incorporates theright processes, controls, and tools can successfully move from In this brief, we’ll explain why a new paradigm is required when itcomes to successfully mitigating fraud, exploring what a holistic Fraud: A growing problem with a remote, AI-powered workforce Fraud attempts fueled by AI All companies handling sensitive dataare at risk for fraud. Unfortunately, theeconomic volatility of the past few yearshas led to a broader trend of increasingfraud rates3, especially when it comes to With the advent of AI-powered fraud5,knowledge of risk areas and proactive No matter the tactic, fraud is becomingan increasing risk for organizations, bothinternally7and externally. While fraudfrom internal perpetrators is down since2020, both external fraud and collusionbetween internal and external actors For example, emerging tools like ChatGPTare exposing organizations to previouslyuncharted risks. A new study6found 15%of employees regularly use generative AIlike ChatGPT at work, with 43% inputting Given the current climate, leaders needto understand where fraud attempts arecoming from — whether from external "Fraud, like security, it about risk management. You have to identify therisks, build a mitigation plan to address those risks, and then apply those Jeff Schilling, CISO, Teleperformance Three of the most common types of fraud9include cybercrime, customer fraud, andasset misappropriation. For organizationswhose employees handle sensitive data, Common types of internal fraud Credit card fraud:When an employee copies credit card numbersand uses them to purchase online. Product shipping:When an employee ships products to anaccomplice’s address. Data breach:When an employee collects social securitynumbers and resells them to an accomplice. Illegitimate benefit:When an employee uses client applications forpersonal gain, such as inflating hours worked. The business impact of fraud In short, fraud has a disproportionate negative effect, resulting in both tangible andsubtle losses. For example, fraud can have an impact on both internal and external Fraud is costly, and not only in terms offinancial loss. Fraud can result in lost trust,leading to less credibility from customers 5 negative effects of fraud "When you lose trust, that’swhen you start losing revenue —people start going to more securesolutions. Everybody should havea fraud management program toprotect revenue. Otherwise, they Where fraud detection falls short Detection is no longer a sufficient strategy12when it comesto fraud. Without tools, processes, and controls in place to This is especially true in times of economic turmoil. For example,70% of organizations13experienced new incidents of fraud andincreased fraud risk in the wake of the COVID-19 pandemic. Simply put, tools, processes, and controls that were sufficientto detect incidents of fraud may have been sufficient in pre-pandemic, pre-generative AI years. Today, however, tools A holistic system for fraud prevention Whether it’s protecting sensitive data in a work-from-homesetting or ensuring employees aren’t feeding sensitive data intogenerative AI tools, the methods and means used to protect “If you don’t take a methodical approach like this, thenyou become one-hundred-percent reactive and you’regoing to have increased fraud as well as the inability to Schilling explains.“The worst thing is when somebody elsetells you you’ve got a fraud problem.” 6 benefits of holistic fraud prevention What does a holistic fraud prevention system look like? It should 1.Prevent fraud and cyber attacks before they happen. 2.Increase operational cost-savings. 3.Improve the entire business ecosystem to safeguard sensitivedata. •Assess processesacross the company to identify risks. •Create controlsto mitigate problems related to fraud attempts 4.Protect business data whether employees are on-site orremote. •Utilize toolsto promptly respond and manage threats, andultimately provide employees with information and tools to 5.Protect revenue and client churn. 6.Use real-time system alerts to detect data breaches and fraudattempts. At Teleperformance, we use a seven-step system thatincorporates processes, controls, and proprietary tools toproactiv