WORLD CLASS

FRAUD
PROTECTION
IN A BOX

How Financial
Institutions Can
Protect Their Brand
With One Simple
Device
Table of Contents
This is a short slide document to help you understand the basics of ATM
skimming, why it is important to protect your institution’s brand, and how to
get world-class protection in a box about the size of a paperback.

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03 04 05 06 07
ATM Skimming: What Skimming Looks
ProtectYour Brand A GrowingThreat An Elegant Solution
What it Is Like

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08 09
The LatestThreats and
How to ProtectYour Complete Protection
Fleet
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What is skimming? The way criminals attack A skimmer traditionally has two
components. The first is a small
financial equipment is ever‐ device that’s generally inserted over
changing. It used to be easy to the card reader. When a card is
inserted, the device creates a copy of
spot most skimmers, but these the data on the magnetic strip of the
crimes are becoming more and card. The card passes through the
device and enters the machine, so
more advanced.
everything will appear to be
functioning normally—but the card
This has led financial institutions and data has just been copied.
deployment companies to try and
keep up by adding software Though traditionally, a small camera
components to protect their was also installed in order to capture
significant investment. What has the PIN entry, this is less prevalent
emerged in the marketplace is a due to a new method of skimming
plethora of subpar defense products called Deep Insert Skimming.
and a lot of bad advice.

A card skimmer is a malicious device

With a Deep Insert Skimmer, a small
criminals attach to a payment
chip is inserted into the card reader so
terminal- most commonly on ATMs that data is lifted from both magnetic
and gas pumps. When a terminal is stripes and EMV chips.This data is
used that has been compromised this transmitted via Bluetooth technology
way, the skimmer creates a digital to a remote location and sold in
copy of the card data, and in some batches to black market buyers.These
cases, the PIN is captured as well. groups simply take the data and make
online purchases until the funds run out
or the financial institution catches on.

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Skimmers Look
Very Real
In many cases, criminals
install portable electronic card
readers directly over the card
reader slot or inside the card
reader. This makes it virtually These photos show just how small and natural a skimmer can look. Notice on
impossible for customers to the right- it only takes a couple of watch batteries to keep a skimmer running
for days. Hundreds of cards were compromised at the ATM where this
detect the devices.
skimmer was found.

Deep insert skimmers and shimmers are also scary. The actually conceal
INSIDE the card reader, completely undetectable by the consumer.

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Protect Your Brand

There are several skimming

attacks in the U.S. every day and
many of these translate to a news
report or article. These typically
show a frustrated customer in
front of a perfectly branded
financial institution logo. The cost
for protecting the fleet is very low
compared to this negative
publicity. It should be a primary
consideration for every
institution.

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 A Growing
Global Issue

There are approximately THREE More than 80 billion Fraudsters steal an According to the
transactions average of U.S. Secret Service,
MILLION ATMs installed around occurred at ATMs in financial
$60,000 with
the world. More than 500,000 of 2017. All were every skimming institutions lost
susceptible to some attack. Hundreds more than $2.5
these are deployed in the United
type of skimming of financial
States alone. BILLION in 2017
attack. institutions were due to skimming
attacked in the attacks.
10 BILLION of United States in Worldwide, the
these transactions 2017. The total losses
occurred in the numbers are
United States. exceeded $9
expected to grow
for 2018. BILLION!

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An Elegant Solution
to a Complex
Problem
The ECS DRC provides detection
of skimming threats at the card
reader bezel as well as signal
jamming and data storage. It also
connects to your current alarm
panel for remote monitoring with
no additional hardware required.
It installs in less than one hour in Detection is Important but it’s Signal Jamming Adds
Not Enough Essential Protection
most ATMs and produces less
false alarms than any other unit It is imperative to protect your Once a threat is detected, it can
ATM with a unit that detects take hours or even days for the
in the marketplace. When skimmers, but this alone does not service provider to respond to alert
combined with DISC, it provides keep your customer from being messaging- leaving your customers
compromised. It just lets you know susceptible to a skimmer. By
best‐in‐class protection for your
there is a potential threat being jamming the area around the card
ATM. installed. reader with an electro-magnetic
signal, cards are not compromised
even when inserted into the ATM.

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A New Threat
Make Sure Your
DISC, or Deep Insert Skimming ATMs Are
Countermeasure, protects your COMPLETELY
Protected
ATM from deep insert skimming
attacks and “shimmers”. These Many financial
institutions have
types of skimmers are some of the purchased new
most nefarious and undetectable machines or upgrades
of all ATM fraud attacks. to include skimming
protection for an
existing fleet. However,
the OEMs have been
Deep Insert Skimming slow to the market with
solutions for deep
Countermeasure
insert skimming, and
These molded polymer plates are most of them are very
installed in the card reader to complex. Even if your
prevent the attachment of a institution has already
skimmer inside the reader. Units purchased skimming
for motorized readers are also protection, makes sure
available. This is the simplest, most your fleet is
effective deep insert prevention in safeguarded against
the market. deep insert skimmers.

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A Complete Solution
from a World Leader

www.ACGWorld.com
ACG was founded in 1986 in Alpharetta, Georgia and has been a world leader
Skimming is real and a in ATMs, ATM Parts, Security Products, and Service Logistics for more than 30
growing global threat. years. We truly are a global company with multiple locations in the United
States, United Kingdom, and Poland. For more information regarding our
company and the security products described in this document, copy any of
Financial institutions are the Youtube links below into your browser or call us at 800.536.5085 and
losing billions and their choose Option 1 when prompted.
brand is being
compromised. Videos:
Overview: https://youtu.be/twlyG1_Jfbk
How it Works: https://youYu.be/BJwxTopUkfE
ACG provides an award
winning, best‐in‐class For purchase:
total solution to combat
Marvin Bowers
all known types of
Vice President Global Sales
skimming. | 9
678.939.2058
[email protected]