Agenda
Conference Day One | Conference Day Two

Wednesday 28th June 2006
19:00	Civic Reception and Dinner Hosted by The Right Worshipful the Lord Mayor of Norwich, Councillor Felicity Hartley The Assembly House, Norwich See 'Social Events' page for details
Thursday 29th June 2006
9:00	Registration and coffee
9:30	Welcome Presentation John Woods Hon DCL, Chief Executive, Moneyfacts Group plc
Plenary Session One – Fraud Today Chaired by Professor Shaun Hargreaves-Heap, Dean, Social Sciences Faculty, University of East Anglia
9:45	How will SOCA work with the Financial Services Industry? Paul Evans, Executive Director - Intervention, Serious Organised Crime Agency
10:15	Fraudulent Motivations Dr Michael Levi, Professor of Criminology, Cardiff University Typology of frauds and motives The Problems of Overprediction and Underprediction The role of rationalisations and circumstances.
10:45	Coffee break
11:00	Joining the Dots: The fight against the fraudsters Paul Smee, Chief Executive Officer, APACS APACS’ perspective across issues relating to fraud Partnering with Government and crime prevention agencies APACS’ success in delivering Chip and PIN Future fraud-related projects.
11:30	Investing in Fraud Prevention – Making the Business Case Paul Lucraft, former General Manager for the UK and Ireland with MasterCard With figures showing that fraud is, in general, decreasing, the tendency can be for the issue of fraud to be sidelined. In this presentation Paul looks into the key reasons that fraud should be kept high on the agenda within your organisation.
12:00	Lunch at the Sainsbury Centre for Visual Arts We are delighted to be serving the conference lunches in the Sainsbury Centre for Visual Arts, Foster and Partners’ iconic first public building, located at the UEA. The Centre houses thousands of artworks and objects, spanning over 5,000 years of human endeavour.
14:00 - 17:35   Breakout Sessions From 14:00 to 15:40 you can choose to attend either Stream 1 - Card Fraud or Stream 2 - Mortgage Fraud Stream 1 - Card Fraud Chaired by Katy Worobec, Head of Fraud Control, APACS 14:00 Trends in Card Fraud Adrian Stearns, Head of Fraud, MBNA Review of past card fraud trends Current card fraud threats How the roll out of Chip & PIN has changed the fraud landscape Addressing fraud risks an environment in transition Future threats to payment systems. 14:30 The Acquirers View of Fraud – Managing Future Threats Tony Mooney, Head of Risk, Barclaycard Business The Acquirer's role Principle Types of Acquiring Fraud Likely Developments Mitigating Actions. 15:00 The Challenges of Policing Card Fraud DCI Roger Cook, Head of the Dedicated Cheque and Plastic Crime Unit Current trends in card fraud The policing response DCPCU-Model for the future? Proactive policing case studies. 15:30 Summary and discussion 15:40 Afternoon Tea Stream 2 – Mortgage Fraud Chaired by Andrew Heywood, Deputy Head of Policy, The Council of Mortgage Lenders 14:00 Mortgage Fraud: a multi-dimensional problem Andrew Heywood, Deputy Head of Policy, The Council of Mortgage Lenders Andrew Heywood, Deputy Head of Policy at the CML offers an overview on recent trends in mortgage fraud, including fraud involving borrowers, intermediaries and staff. The presentation will cover both the extent and key types of mortgage fraud. 14:30 Successfully identifying mortgage fraud 15:00 Mortgage Fraud Prevention Strategy 15:30 Summary and discussion From 15:55 to 17:35 you can choose to attend either Stream 3 - Banking Fraud or Stream 4 -Insurance Fraud Stream 3 – Banking Fraud Chaired by Richard Cook, Director of Financial Crime, British Bankers’ Association 15:55 A Strategic approach to Countering Fraud: Lessons from the NHS Jim Gee, Chief Executive, NHS Counter Fraud Service The background to NHS counter fraud work Outline of the NHS approach to countering fraud The starting points for any organisation The importance of a strategic approach The questions which all organisations should ask The real benefits to be gained from counter fraud work. 16:25 Managing Fraud Risk in a Large Corporation – A Holistic Approach Jackie Barwell, Fraud Management Officer, Citigroup Fraud Risk – why it needs focussed attention Defeating the ‘fraud triangle’ What do we mean by a ‘holistic’ approach Who are our key partners? 16:55 The Enemy Within – Tackling Employee Fraud Debbie Price, Head of Financial Crime, HBOS plc History – changes in MO Key banking industry approaches to prevention / detection Detailed background on key prevention measures Key challenges and issues. Stream 4 – Insurance Fraud Chaired by Jamie Bell, Association of British Insurers 15:55 Trends in Insurance Fraud Jamie Bell, Association of British Insurers, Association of British Insurers 16:25 The impact of Insurance fraud on the UK Chris Hill, Head of Fraud, Norwich Union Known scale / other estimates Impact Financial Public safety Organised crime Society Are we winning or losing? Reasons to be cheerful 16:55 Using Psychology to Fight the Fraudsters Thomas Coulby, Training and Consultancy Manager, Absolute Customer Management We learn and read about lies, how to spot them and how to defraud companies all the time. Cognitive interviewing has been much heralded over recent years, where some significant fraud savings can be made by applying and maintaining advanced techniques to help deal with fraudsters and manage genuine customers effectively, across the insurance industry as well as in other financial services. Thomas, and colleagues in Absolute who specialise in these methods to route out many £millions in fraud each year will share: - Examples of how a psychology based approach can work in interviewing Forensic interviewing tools available How to spot liars from truth tellers Body language vs. verbal language. 17:25 Summary and discussion
17:35	Close of Conference Day One
19:30	Gala Dinner The Holiday Inn, Norwich Airport. See 'Social Events' page for details
Friday 30th June 2006
09:00	Coffee
09:35	Welcome Presentation Professor David Eastwood, Vice Chancellor, University of East Anglia
09:45	Keynote presentation: Working Together to Combat Fraud The Right Honourable Charles Clarke MP, Former Secretary of State for the Home Office
Plenary Session Two: Sharing Information – The Key to Fighting Fraud Chaired by Professor Nikolaos Tzokas, Dean, Norwich Business School, University of East Anglia
10:15	Tackling Fraud on a Global Level Derek Wylde, Head of Group Fraud, HSBC Group Organised criminal gangs are attacking banks not only across different payment channels and through different products, but also in different countries. How should we respond? Derek Wylde will give an insight into the way HSBC deals with fraud at a global level.
10:45	Coffee Break
11:00	Cross Industry Data Sharing Trevor Bedeman, Head of Group Data Risk and Compliance, Lloyds TSB Insurance There are an increasing number of fraud and related databases. Within industries such as general insurance there has been scope for rationalisation or for summarisations of all of the data held in order to find patterns of organised fraud industry fraud data. What is true within an industry may also be possible across industries and economic sectors. If we do not share effectively in the future, then the organised financial fraudster may have the advantage of being to be able to move across sectors as they now can move within industry products and companies. There are many challenges ahead, but also substantial potential in a careful collaboration that keeps regulators and public informed and on side.
11:30	Advances in Credit Account Information Sharing Helen Lord, Director of Fraud and Product Governance, Experian The presentation will provide background to Experian and how data sharing contributes to the prevention and detection of financial crime and fraud within the public and private sectors. Helen will outline how data sharing helps in the detection of fraud and how Experian help organisations and individuals in respect of identity fraud.
12:00	Lunch at the Sainsbury Centre for Visual Arts Both seated three course lunches will be served in the restaurant area of the centre, a light and airy space giving you an unspoiled view of a Henry Moore sculpture located outside. We encourage you to take the opportunity to view the collection while you are at the UEA. To see more information visit www.scva.org.uk
Plenary Session Three – The Impact of Technology on Financial Fraud Chaired by Professor Vic Rayward-Smith, Professor of Computing Science, University of East Anglia
13:50	Advances in Digital Identity Kim Cameron, Chief Architect of Identity and Access, Microsoft The Internet was built without a way to know who and what you are connecting to. Since this essential capability is missing, everyone offering an Internet service has had to come up with a workaround. It is fair to say that today’s Internet, absent a native identity layer, is based on a patchwork of identity one-offs. As peoples’ use of the web broadens, so does their exposure to these workarounds. Though no one is to blame, the result is pernicious. Hundreds of millions of people have been trained to accept anything any site wants to throw at them as being the "normal way" to conduct business online. They have been taught to type their names, secret passwords and personal identifying information into almost any input form that appears on their screen. This limits what we can do with the Internet and exposes us to growing dangers. If we do nothing, we will face rapidly proliferating episodes of theft and deception, which will cumulatively erode public trust in the Internet. This session addresses how we can prevent that loss of trust and go forward to give Internet users a deep sense of safety, privacy and certainty about who they are relating to in cyberspace. Nothing could be more essential if new web-based services and applications are to continue to move beyond "cyber publication" and encompass all kinds of interaction and services. Our approach has been to develop a formal understanding of the dynamics causing digital identity systems to succeed or fail in various contexts. This session explains that understanding and shows how we can offer the Internet the identity layer it so obviously requires.
14:35	Next Generation Technologies in the Fight Against Crime Colin Whittaker, Head of Security, APACS An overview of the UK Payments Industry’s approach to developing a 2-factor solution for UK consumers based on the Chip and PIN card.
15:05	Forensic Support to Financial Fraud Investigation Martin Gaule, Marketing Manager, The Forensic Science Service This presentation will examine advances in technology and their impact on fraud prevention and detection in the finance sector. The Forensic Science Service. Applying the principles of forensic science investigations – Internal, external and intelligence gathering. Evidence types Contact traces eForensics Document Examination.
15:35	New Data Driven Analytical Solutions for Fraud Detection in Financial Services Nicolas Mallison, Head of Data Analytics, KPMG Forensic Technology Historically, organisations have been using rules-based techniques that detect simple known fraud and abuse type by looking for approximate matches and potential links between data and instances of known fraud. They are now moving towards more sophisticated model-based techniques which, on a regular basis, analyse historical data to identify unusual patterns of activity that may indicate new previously unknown type of fraud. Historical data is also used to build predictive fraud propensity models. Key to the performance of all these techniques is the ability to automatically link together large number of different data sources such as, customer data, transaction data, application data, contact data, employee data, 3rd party data (b2b, b2c, etc…), systems access logs, even communication data (phone and e-mail) in the same way that a human investigator would do, so that fraud detection techniques work on the full set of available information.
16:05	Closing Presentation John Woods Hon DCL, Chief Executive, Moneyfacts Group plc & Professor Nikolaos Tzokas, Dean, Norwich Business School, University of East Anglia
16:15	Close of Conference