Identity Theft Speaker on Fox and Friends ATM skimmer stealing debit card numbers @McAfeeConsumers

He's known as the Hipster Bandit, stealing money from people through ATMs all over New York City. His scheme isn't new, but would you know how to recognize him? We've got a security expert here with information you need to know to protect yourself from hipster bandits and bandits of all kinds. Stay tuned.

Go take the money and run. Billy Mack is a detective down in Texas.

Juliette?

Thank you very much. We're down here. It's kind of a strange Strange area to do this interview, but it sort of makes sense in a second. I'll introduce you to Robert Siciliano. He's McAfee security expert, online security expert. I've known you for years and years. We're talking about this Hipster Bandit the cops here in New York are searching for. They call him the Hipster Bandit because you know what a hipster is. They wear the skinny jeans and he's got the little fedora. And he's basically going around New York City to ATM machines. And tell us what exactly he's doing.

Well, what he's doing is he's making withdrawals. So more than likely he's skimming people's cards either at an ATM machine or he's He could be in the service industry getting access to people's cards, debit cards and credit cards, and then basically copying down that data. And what he might be doing it is on a device that he might have actually in his sock. So here he'd skim the data onto this device which stores the information.

So he takes the— let's say he's working as a server. He takes somebody's credit card and swipes—

He bends over, pulls the information off the card, and then now he has the data on that skimming device that he buys off of eBay.

And anybody can just get this off of you?

Anybody can get that.

Is this, what he's doing, is this typical of what these skimmers do?

Yeah, so they want to record the information in the best way possible so that they can download that data and then basically burn it onto a blank ATM card or blank debit card and they clone the card so they can use it at an ATM machine.

Okay, so take me through that. Let's say that you are the skimmer man. Let's say that you put the fedora on, you're our hipster, our dorky hipster. You have taken my credit card, You've gone at the restaurant to swipe it, but you've swiped it in your leg there on the skimmer that you bought from eBay. Then, later on that night, you go to a bank, to an ATM, and what happens?

You go to the ATM right before midnight, you take out the maximum dollar amount for the day, which is usually around $500, and then you are pulling information out, or he might actually be attaching skimmer devices to the face of the ATM. So here, this right here is an actual skimming device.

They put those—

Wait, pull it up.

Let's see what this is. So this is a skimming device. It records the information off of the back of the magnetic strip. So when you put your card through, it skims the data off of the card. Now what also happens is they put, say, a mirror on the face of the ATM, and behind that mirror there's a camera. See that camera right there? So that camera then records your PIN code. It records it, so what you want to do is cover up the ATM's keypad with your other hand so they can't get your PIN code.

So when I go up to an ATM, let's just say Juliette's walking up to her ATM, I want to get money, what should I be looking for that stands out at me that this is not in the right place, this shouldn't be here?

Okay, so this particular skimming device obviously is obvious. Usually they fit the face of the ATM, it's like a facade, it looks like it belongs there, but what you always want to do is, you know, kind of fiddle around with the face of the ATM. If you can pull something off, obviously that's a skimming device.

ATM, like the insertion area right here, should just look like this. There shouldn't be any sort of box over it or anything like that, right?

Right, but sometimes the colors and the plastics all match up. She kind of want to fiddle around with that. But the most important thing is if you see something on the face like this, anything at all, a brochure holder, the most important thing is to cover up that keypad with your other hand. That way, if there's anything, any camera that picks up the PIN code, they can't see it. So you cover that up, they can't get your PIN code.

Yeah, now see, when I would walk up here, I would just naturally think, oh, this is the bank's camera looking at me, when really the lens is actually right down here looking down at the keypad.

See, in New York State, they have these mirrors there to thwart shoulder surfing. So you can kind of see what's going on behind you. But bad guys put these on there to make it look like it belongs there, but then again, they're getting your PIN code. The most important thing is to pay attention to your credit card statements.

That's the key, and a lot of us don't do that.

We wait 3 months later when we're like, wait, why is my credit card not working?

Working, and all of a sudden, then we realize that we've been ripped off.

9 out of 10 consumers don't pay attention to their statements. So pay attention to your statements online and get a mobile app from your bank or credit card company and look at your app like every day.

Interesting about this one particular hipster guy is that he seems like he had passwords or something like that.

He had the PIN code.

He had the PIN code.

So he might— if he's a service person or he's a skimmer, one or the other, he's watching people punch in their code. As they're swiping their card.

So it could be at a department store, and you know, they say, "Here, put your PIN number in," and he could be just kind of watching where their fingers are going. Exactly. And we're all so busy, we're all just running around, we never pay attention to that kind of stuff, and we should.

And he's gonna keep doing it until he gets caught or until, you know, bad guys— until retailers or his boss catches on.

Let's take a look at this guy again. We got our eyes on you, hipster guy. All right, thanks very much, Robert.

Thank you.

Always a pleasure to see you. All right, let's go back to— I think we're gonna go back to Tucker and Clayton.

That's right. And Juliette, while you're busy doing segments, don't leave your bejeweled pink iPhone laying around because co-hosts might go reading it.

Oh no.

Oh, nothing in there, just your bank account info. Coming up.