TIJANA KALIANIN

SELECTED ARTWORK
 2017

SELECTED ARTWORK
INDUSTRY DATASHEETS

E-COMMERCE E-COMMERCE

TELESIGNS PLATFORM
BOOST SHOPPER ACTIVITY Trusted by leading websites and mobile applications, including the top 5 technology companies in the world

BUILD REAL-TIME
MESSAGING AND SECURITY & PREVENT FRAUD
INTO ANY APPLICATION
WWW.TELESIGN.COM delivering timely and relevant SMS communications that gets viewed DEVELOPER-FRIENDLY EXPANSIVE GLOBAL UNPARALLELED
instantly and keeps your business top-of-mind. Build stronger
relationships and loyalty with buyers that leads to increased
APIs & SDKs NETWORK SERVICE & SUPPORT
Easy-to-integrate APIs & SDKs that A registered Mobile Network Operator Developer-focused tools and detailed
updates, special promotions and loyalty programs to product combine data intelligence and with 100s of direct-carrier connections documentation, UI/UX consulting,
recommendations and satisfaction surveys, add that personal touch
messaging communications to more that ensure the highest-quality routes global compliance expertise, 24/7
to the customer journey.
and market leading delivery and worldwide support and more.
Increase the security of online customer accounts and reduce fake accounts and prevent fraud. completion rates.
users with data intelligence APIs that evaluate fraud risk and by

2FA passcodes via SMS. Linking a customers online account to a

valid mobile phone number also allows for quick access, in the event
of password issues or hacking.
By using TeleSign weve been able to prevent
more fraud. We now block more than 99% of
fraud activity on our e-commerce websites.
DELIVER A DYNAMIC &
PROTECTED BUYING EXPERIENCE NICOLAS STEHLE
CEO
UTILIZE TELESIGN MESSAGING, TeleSign makes it easy to communicate directly with shoppers to
personalize and protect their buying experience. Instant order updates,
VOICE, DATA AND VERIFICATION shipping status and tracking information, discount oers, giveaways,
APIs & SDKs TO REACH, ENGAGE enabling text-like chat for support and adding phone verication and two-
factor authentication are just a few examples of how TeleSigns platform is
AND PROTECT USERS changing the way e-commerce businesses engage customers and prevent
fraud. TeleSigns easy-to-integrate APIs combine data with a market-leading
communications network to ensure messages are reliably delivered to
end-users anywhere in the world. SUGGESTED PRODUCTS FOR E-COMMERCE CUSTOMERS

COMMUNICATIONS USE CASES SECURITY USE CASES

Send Customer Alerts & Notications Add Two-Factor Authentication (2FA)
Send customers order conrmations, shipping & delivery notications Add a second layer of security to end-user accounts, beyond passwords
Messaging API Voice API SMS Verify API Score API App Verify SDKs Push Verify API
Alert customers of stock availability, new products & recalls An API that enables An API that enables An API that delivers A powerful fraud risk SDKs that enable An SDK that enables
Notify customers of product promotions, special discounts, loyalty Prevent Account Takeover (ATO) business critical business critical patented phone-based assessment API that developers to easily businesses to add 2FA &
programs and incentives Protect account access with SMS one-time passwords communications communications and verication and two- delivers reputation embed frictionless transaction verication
Push unique & relevant content, links to rich media, product
recommendations & add-ons
and account security account security voice- factor authentication scoring based on phone phone number for Web-based accounts
Verify Phone Numbers messaging to eectively based messaging to (2FA) using a time-based, number intelligence, verication on iOS and into their existing mobile
Personalize the shopping experience with timely SMS messages
Establish identity assurance by connecting each user with their valid communicate, engage eectively communicate, trac patterns, machine
one-time passcode Android using SMS and applications.
phone number
Deliver Invites & Reminders customers, and secure engage, reach landline (TOTP) sent over SMS. learning and a global voice capabilities.
Send customers invitations & reminders to promotional events accounts. phone users and secure data consortium.
Reduce Fake Accounts
Invite customers to visit store locations increase sales with door- accounts.
Utilize phone data intelligence and risk scoring to block spammers
buster deals
and bad actors from registering
Send reminders when customers abandoned carts to rescue sales
Remind VIP club members to use points, promo codes, etc. Streamline Account Registration
Improve new user registration security while simplifying the process
Build Two-Way Communications Trusted by the worlds leading websites and mobile applications, TeleSigns
to increase conversions
Provide instantaneous customer support send & receive messages communications platform, expansive global network and unparalleled service
from customers
Minimize Fraudulent Transactions ers, keep 2017 TeleSign. All rights reserved.
Create chat-like interactions prompt customers to take action & reply
Verify high-value transactions or account changes using 2FA & OTPs accounts secure and prevent fraud. TeleSigns easy-to-integrate APIs and TeleSign, PhoneID, TeleBureau and others
to messages
SDKs uniquely combine data intelligence with messaging communications, a are trademarks of TeleSign Corporation.
Gather instant feedback from customers conduct satisfaction
surveys, polls & contests complete framework for developers. The TeleSign logo and other creative assets
are owned and protected under copyright
For more information, please visit www.telesign.com | @TeleSign and/or trademark law.
INDUSTRY DATASHEETS

ONLINE GAMBLING ONLINE GAMBLING

TELESIGNS PLATFORM
INCREASE USAGE, Trusted by leading websites and mobile applications, including the top 5 technology companies in the world

BUILD REAL-TIME
MESSAGING AND SECURITY ENGAGEMENT &
INTO ANY APPLICATION
WWW.TELESIGN.COM
PREVENT FRAUD DEVELOPER-FRIENDLY EXPANSIVE GLOBAL UNPARALLELED
Communicate and engage with users through SMS to APIs & SDKs NETWORK SERVICE & SUPPORT
Easy-to-integrate APIs & SDKs that A registered Mobile Network Operator Developer-focused tools and detailed
encourage users to bet, promote games and additional combine data intelligence and with 100s of direct-carrier connections documentation, UI/UX consulting,
services, invite other users to join, and gather important messaging communications to more that ensure the highest-quality routes global compliance expertise, 24/7
feedback from users. and market leading delivery and worldwide support and more.
accounts and prevent fraud. completion rates.
Add account security with data intelligence combined with
SMS to reduce fake accounts and other fraud types by

receive a 2FA passcode directly from their phone.

TeleSign Score has helped us eliminate the creation of multiple
accounts by the same user, increase registration completions
by 10%, and reduce the number of reported cases of fraud. All
of this has led to a safer ComeOn! gaming community.
AN YILANLIOGLU
DELIVER AN ENGAGING & CO-FOUNDER & BUSINESS DEVELOPMENT

UTILIZE TELESIGN MESSAGING, PROTECTED USER EXPERIENCE

VOICE, DATA AND VERIFICATION Sending new game notications, time-sensitive betting opportunities,
social invitations, enabling text-like chat for support issues and adding
APIS & SDKS TO REACH, ENGAGE two-factor authentication are just a few examples of how TeleSigns
platform is changing the way online gambling businesses engage and
AND PROTECT USERS secure customers. TeleSigns easy-to-integrate APIs combine data with
a market-leading communications network to ensure messages are
reliably delivered to end-users anywhere in the world.
SUGGESTED PRODUCTS FOR ONLINE GAMBLING CUSTOMERS

COMMUNICATIONS USE CASES SECURITY USE CASES

Send Customer Alerts & Notications Add Two-Factor Authentication (2FA) Messaging API SMS Verify API Score API PhoneID API App Verify SDKs Push Verify SDK
Notify customers of promotions on new bets Add a second layer of security to end-user accounts, An API that enables An API that delivers A powerful fraud risk An API that delivers SDKs that enable An SDK that enables
Alert customers of changes in odds beyond passwords business critical patented phone-based assessment API that deep phone number developers to easily businesses to add 2FA &
communications verication and two- delivers reputation scoring data attributes that embed frictionless transaction verication
Deliver Customer Reminders Prevent Account Takeover (ATO) and account security factor authentication based on phone number help optimize the user phone number for Web-based accounts
Inform customers when new games start Protect account access with SMS one-time passcodes (OTPs) messaging to eectively (2FA) using a time-based, intelligence, trac patterns, verication process and verication on iOS and into their existing mobile
communicate, engage one-time passcode machine learning and a evaluate fraud risk. Android using SMS and applications.
Send customers reminders and how-to use messages
Verify Phone Numbers customers, and secure (TOTP) sent over SMS. global data consortium. voice capabilities.
to boost usage of mobile app accounts.
Establish identity assurance by connecting each user with
Build Two-Way Communications their valid phone number
Create chat-like interactions with customers - prompt Increase data integrity and prevent registrations with invalid
customers to take action and also reply to messages phone numbers.
Gather information from customers conduct
surveys & contests
Reduce Fake Accounts TeleSign is a communications platform as a service (CPaaS) company, founded
Utilize phone data intelligence and risk scoring to on security. Since 2005, TeleSign has been a trusted partner to the worlds
block spammers and bad actors from registering leading websites and mobile applications, helping secure billions of end-user 2017 TeleSign. All rights reserved.
accounts. Today, TeleSigns data-driven, cloud communications platform is TeleSign, PhoneID, TeleBureau and others
Minimize Fraudulent Transactions changing the way businesses engage with customers and prevent fraud. are trademarks of TeleSign Corporation.
The TeleSign logo and other creative assets
Verify betting or high-value transactions using 2FA & OTPs are owned and protected under copyright
For more information, please visit www.telesign.com | @TeleSign and/or trademark law.
CASE STUDIES
LARGEST CLASSIFIEDS MARKETPLACE IN
SWITZERLAND REPORTS 85% LESS CASES
OF FRAUD USING TELESIGN
Anibis.ch lets you browse ads and post oers for new
or used items from its free classieds platform, the
largest website in Switzerland. It lists over half a million
advertisements from private sellers and registers 1.2
million visits on its website each month. Anibis.ch reects
real life in all aspects; the portal is synonymous with varied
oerings, quality and timeliness. It oers a very wide range
of products in dierent categories.
Anibis.ch is focused on identity assurance and account
security for its users. They make every eort to securely
connect veried sellers with veried buyers, prevent online
account-based fraud and malicious activity within their
community. Anibis.ch protects their online and mobile app
INDUSTRY
Retail/Classieds Marketplace
PROFILE
Anibis.ch app for Android, iPhone/iPad available as
a free download
Over 1.2 million visits per month
Website: http://www.anibis.ch
CASE STUDY
user accounts, user identities and user data from online
scammers by verifying user phone numbers during account
registration and gathering fraud risk prole data on each
user using TeleSign Score, SMS Verify, and Voice Verify.
By using TeleSign Score, SMS and Voice Verify,
we are experiencing 85% less cases of reported
fraud within our free classifieds marketplace,
this is a significant security win for us.
JELENA MONCILLI,
Anti-Fraud Specialist,
ANIBIS.CH
CHALLENGES
Wanted to deliver industry-standard account protection
build a better/safer community
Needed to maintain brand reputation and user trust
further prevent fraud and fake accounts
Required a solution that provided insights and data on users
know who their customers are
BENEFITS
Reduced fraudulent account registrations by 20%, resulting in
85% less cases of reported fraud
Increased user condence and trust
Increased identity assurance ability to make instant fraud
risk decisions
CHALLENGES
Fraud enters classieds marketplaces in the form of both
malicious buyers and malicious sellers. Unfortunately, these
bad users negatively impact good users, revenue and brand
reputation. Anibis.ch wanted to stay ahead of the ever-changing
fraud attack vectors in order to prevent bulk account creations,
fake account registrations and account takeovers. They also
wanted to collect valuable user data that would help them make
instant fraud risk decisions.
Anibis.ch was looking to build a better and safer online
community, free from fraud, as they were experiencing increases
in user reported fraud cases and support calls. They focused
their eorts on evaluating solutions that oered features to
assist with increased identity assurance and account security.
Anibis.ch knew that if no action was taken to further prevent
fraud, their brand reputation and user trust would decline.
SOLUTION
Anibis.ch ultimately chose to combine a few TeleSign services-
-Score, SMS Verify and Voice Verify--to deploy their industry-
standard account protection solution. Anibis.ch block scammers
with fraud risk intelligence and account registration verication.
They require a new user to provide a valid phone number before
they can post an item for sale or make a purchase. This has
enabled Anibis.ch to rst assess the risk of that user prior to use.
Using Score, potentially malicious buyers and seller are blocked
at registration if their fraud risk scoring comes back noting
a suspicious phone type, linked to previous history of fraud,
or identied as having fraudulent trac or velocity patterns.
This valuable user prole data has allowed Anibis.ch to make
automated data driven fraud risk decisions, which has increased
the identity assurance of their user base. Using SMS Verify and
Voice Verify, Anibis.ch is able to connect a veried and valid phone
number to each user account using phone-based verication
and two-factor authentication (2FA) with time-based, one-time
passcodes (TOTPs) sent over SMS or voice call.
KEY BENEFITS
Reduced fraudulent account registrations by 20%, resulting
in 85% less cases of reported fraud
Using a comprehensive TeleSign security solution, Anibis.ch
has been able to reduce the number of fraudulent account
registrations by 20%, prevent account takeovers of their
legitimate users and reduce fraud related losses and associated
costs. They are also seeing a decrease in the number of support
related calls.
TeleSign is a communications platform as a service (CPaaS) company, founded
on security. Since 2005, TeleSign has been a trusted partner to the worlds
leading websites and mobile applications, helping secure billions of end-user
accounts. Today, TeleSigns data-driven, cloud communications platform is
changing the way businesses engage with customers and prevent fraud.
For more information, please visit www.telesign.com | @TeleSign
CASE STUDY
Overall, Anibis.ch has seen about 85% less cases of reported
fraud within their community. The company is very pleased with
these results as this conrms they are building a better and
safer community.
Increased user condence and trust
A primary goal for Anibis.ch is protecting their community and
securely connecting veried sellers with veried buyers. By
establishing a global trust anchor using a veried phone number
for each account, Anibis.ch has been able to increase user
condence and trust of their brand. Users are more likely to
interact in classied marketplaces where they feel safe to
transact with other legitimate users.
Increased identity assurance ability to make instant fraud
risk decisions
Anibis.ch uses Score, a powerful fraud risk assessment API that
delivers reputation scoring based on phone number intelligence,
trac patterns, machine learning and a global data consortium
to make instant fraud risk decisions and attain data insights about
each of their users. This has helped Anibis.ch prevent more fraud
and achieve greater identity assurance by instantly determining
the appropriate action of whether to block or allow an account
registration.
ABOUT ANIBIS
Anibis.ch - nd and sell new or used items quickly and securely.
Buyers and sellers will be sure to nd what they are looking for
among over 900,000 current ads in the leading classied ad
marketplace in Switzerland. From the beach or in the mountains,
in bed before falling asleep or commuting on the train, the
Anibis app lets users browse ads or post oers for free anytime
and anywhere. Almost everyone in Switzerland uses anibis.ch: its
recognition rate is 82%.
TeleSign provides security solutions that are
easy and quick to implement, delivers industry-
standard account protection and we find
tremendous value in that.
JELENA MONCILLI
Anti-Fraud Specialist,
ANIBIS.CH
2017 TeleSign. All rights reserved.
TeleSign, PhoneID, TeleBureau and others
are trademarks of TeleSign Corporation.
The TeleSign logo and other creative assets
are owned and protected under copyright
and/or trademark law.
REPORTS

GRAB - WIN OF THE QUARTER - SCORE AS A DIFFERENTIATOR MARKET DEVELOPMENT NEWSLETTER

WHAT IS GRAB?

MARKET DEVELOPMENT
Grab (formerly known as GrabTaxi) is a technology company that oers wide range of ride-hailing and logistics services through its app in Southeast Asia,
specically in Malaysia, the Philippines, Singapore, Thailand, Vietnam and Indonesia. As of March 2017, the number of drivers registered in the network
RIDESHARING LOGOS WE WON OVER THE YEARS
was over 400,000, and the Grab app was downloaded onto more than 20 million mobile devices across Southeast Asia.

Newsletter Q1 2017 HOW WE OPENED THE DOOR OF THE DEAL?

Ridesharing appsconnectpeople who need a ride with
people who have a vehicle and time to drive - notably,
not necessarily people who are licensed taxi drivers.
Grab was marked as one of the key accounts in the SEA Region from very start. They have fast growing user base and business model that is similar to Companies like Lyft, Grab,Gett and Uber provide a
smartphone app that lets consumers hail a ride, set their
many of our worldwide clients, so we knew we have some great stories to tell and that we just needed to nd the right people inside their organization.
destination, and pay without leaving the app itself. The
After having 2 SQLs with their Head of Product and Head of Partnerships throughout 2014 & 2015, we were nally pointed to the right address, Wui benet to the consumer is ease of use, availability of
Ngiap Foo, head of Anti-Fraud and Abuse in November of 2015. rides, and sometimes lower prices than traditional taxis.

These companies have slightly dierent business

WHY THEY DECIDED TO GO WITH US? models that usually depend on regulatory rules of the
region and user habits, but they all have one thing in
We came to this call fully loaded and prepared. Jovana (BDA) did a great job of penetrating the account hitting them aggressively enough to pass the common - the importance of verifying their users at reg-
message and create interest, but carefully not to make a mistake. Katarina and the team created PPT deck specically for Grab that addressed examples istration point, preventing promo abuse and a need to
intelligently engage with users and drivers when neces-
of how their platform was hit by fraudsters in real time. Milorad and Lidija as SEs were also there to answer all technical and integration questions. They sary. This is where TeleSign has been reliable partner to
very well understood the value of Phone Verication and 2FA since they have already worked with other OTP providers including Twilio, but we used companies like these all over the world and Grab is just
one of the big clients we've added to our portfolio.
Score to dierentiate ourselves and eventually take over some of their SMS trac as well.

WHO WE WENT AFTER?

Our MRA Team, as always, did a great job of mapping out their organizational structure and targeting people we want to go after. After having a couple of
conversations to their executives, we got referral from Grabs General Manager that the best person to talk to would be Wui Ngiap Foo, head of Anti-Fraud
and Abuse. Wui became strong supporter of TeleSign, but the great thing was that 15+ people was involved from their side, starting from VP of engineering
(who was the decision maker) to data analysts, middle management and head of fraud. From our side, next to our ATU (Katarina, Jovana and Nemanja) we
had great help of KE, DS and CS Team that made this a great team win.

WHAT HAPPENED IN THE END?

After 15 months of negotiations and 1 batch and 2 rounds of live test, Grab decided to sign up for Score as it has proven to be very accurate for SEA
numbers and much more reliable to catch fake account creation and promo abuse than Twilios Lookup solution they used before. Katarina closed this
deal in January estimated at MRR $ 20k and has a chance to win their SMS and Voice business for additional $ 20k of MRR.

MARKET DEV TEAM MARKET DEV DATA KEY ACCOUNT SQLs

Bold Approach MARKET DEVELOPMENT NEWSLETTER Get To Know Market Dev Through Numbers MARKET DEVELOPMENT NEWSLETTER

INTERESTING FACTS LOGOS WE GOT ON A CALL

SOMETIMES OUR USUAL APPROACH IS NOT GIVING Current registra where to improve Promo code abuse
RESULTS. IN THOSE CASES, BDAs TRY TO BE MORE
INNOVATIVE IN FINDING NEW CREATIVE WAYS TO We easily made a fake

ENGAGE WITH PROSPECTS.

Heres an example of how Ilija Drazovic used bold
approach to attract attention of one of his key accounts
Cabify. Having Cabify prospects being unresponsive and
not interested, Ilija decided to add some visualization to
the game and put up a PPT deck with goal to
Account with fake email
and random phone number.
We could have typed
111111111 and s ll pass
the registra
2017 TeleSign 2 @TeleSign | TeleSign.com
We used promo code from the rst
fake account (Nikol Douglas) and
used it for the second fake account
(Bjelica Nemanja) and it was
accepted. All of that was done on
the same device.
2017 TeleSign 4 @TeleSign | TeleSign.com
Wish
Great SQL for our Enterprise Team in the US that
brought to 30k of MRR valued opps for SMS and
Score. Wish wants to improve the amount of accept-
ed transactions on their platform with out of band
authentication. At the moment, they currently just
deny a sub-set of their transactions and they want
Xiaohongshu
Awesome SQL that opened to door of one of the
most interesting Ecommerce Apps in APAC region.
They are very interested in Score and we are in POC
stage of a 7k MRR Opp at this moment
Cabify
One of the hard to get SQLs that brought us to
speak with the right guys from Cabify, high growing
ride sharing company. Soon after call, we had an
in-person follow up meeting and Madrid and we are
trying to win their Registration verication business.
Currently we have 18.6k of MRR worth opp.

demonstrate in what way Cabifys network is vulnerable. these users to just go through another verication.

Hes shown how he was able to create one fake Why is this a problem for Cabify? Entering verica code
accounts with random non-existing number. He then
used promo code from the rst fake account to create 19.8% 4% 33.3% 34.2% 27.1%
another fake account which could be used for a free This is a direct cost of 6 for Cabify
and there is no limit for making
ride. Ilija clearly indicated what was pure nancial lost to more fake accounts and sending 310 343 3476

for Cabify. He then demonstrated how TeleSign can more promo codes to fraudsters
real account.
OF ALL Q1 SQLs WERE
enhance security of their registration ow by OF ALL COMPANIES IS THE KEY ACCOUNT OF TOTAL PIPELINE IS THE PENETRATION RATE
KEY ACCOUNT SQLS.
ON OUR WW BL SQL TO OPP CONVERSION CREATED GOES OF THE KEY ACCOUNTS IN Q1
implementing our data and verication products. Fraud costs in this case
EVERY 5TH SQL IS
= ARE KEY ACCOUNTS RATE 13 OPPORTUNITIES FOR KA SQLs PIPELINE 2017 (OUT OF 118 KEY
Apparently, this method was much more eective and number of fake accounts x 6 KEY ACCOUNT SQL
CREATED ON 39 KA SQLs ($ MRR 160K) ACCOUNTS SET FOR Q1 2017,
their Head of Engineering agreed to talk to us. 2017 TeleSign 5 @TeleSign | TeleSign.com 2017 TeleSign @TeleSign | TeleSign.com WE MANAGED TO PENETRATE
INTO 32 OF THEM)
 2015

SELECTED ARTWORK
Event // GMIC
booth design, leaflet design

THE LEADER IN
MOBILE IDENTITY SOLUTIONS

COPY COPY COPY COPY COPY COPY COPY COPY COPY COPY COPY
COPY COPY COPY COPY COPY COPY COPY COPY COPY COPY COPY

telesign.com
Event // MRC
ad design, leaflet design

THE LEADER IN
MOBILE IDENTITY SOLUTIONS

COPY COPY COPY COPY COPY COPY COPY COPY COPY

COPY COPY COPY COPY COPY COPY COPY COPY COPY

Visit Our booth

31

telesign.com
@telesign
Event // RIF
booth design, ad design, invitation design

-2015

.
..
.
.
. .
..
..
. -

:
: 23 , 10:30 -11:30
-
:

:


,
,
TeleSign,
-

, ,

TeleSign 3.5
,
, .

telesign.com
Event // CODE FEST
total design
Event // CODE FEST
total design
Event // CODE FEST
total design
 2015

REPORTS
 Fraud Report

Phone numbers and the Black Market

Little-known fact: Theres a thriving black market for fake accounts on the internet. Fake accounts are accounts created in bulk using phony information (name, email,
address, phone, etc.) simply for the purpose of abusing good users online. Almost any type of fake account can be purchased: email, blogging, social networking,
auction/classieds, etc. Fraudsters use these fake accounts for various forms of nefarious activities, including spamming, phishing attempts, aliate fraud, and ecom-
merce fraud.

Why do people buy fake accounts?

Mostly for fraud and spam, and money is their motivation. As the equation shows, its a simple numbers game. The more people fraudsters and spammers reach, the
more likely they are to increase prots. If they really go for it, some of them can make a six-gure salary in just a few months.

Fraud/Spam Prot Equation:

(X)= No of people who see a scam/oer

(Y)= % of people who act on the scam/oer
(Z)= Money made per conversion

So (X) x (Y) x (Z) = Prot

Assuming a small payout of just $1 per victim:

YOU CAN'T AFFORD NOW, NEITHER CAN (X=10,000 people) x (Y=1% conversion) x (Z=$1 per conversion) = $100
(X=10,000,000 people) x (Y=1% conversion) x (Z=$1 per conversion) = $100,000
FAKE ACCOUNTS. THE FRAUSDERS.
Creating Fake Accounts
Because hundreds of thousands of fake accounts are needed for scammers/spammers to eectively reach a mass audience, the creation of fake accounts must be automated.
Attempts to automatically create accounts on a massive level produce interesting trac anomalies and provide insight into current fraud hotspots around the world. This report
will demonstrate locations, trac patterns, and anomalies to be on the watch for and will show the results of eective trac monitoring and fraud interception.

Fraud Report
2015 FRAUD REPORT telesign.com

Fraud Report Fraud Report

Telecom Fraud Hotspots Web Fraud Hotspots

Estonia

Latvia

Albania

Guinea
Azerbaijan

Taiwan

Pakistan

Legend Colombia Legend

- hot spots Indonesia - hot spots

Sierra Leone Thailand

Somalia
Ghana
Congo
Equador Egypt
Brazil

Latvia, Guinea, Sierra Leone, Congo, Somalia, Albania, Taiwan, Estonia, Azerbaijan and Pakistan are recent hotspots for telecom-related fraud attacks.
During this type of attack, fraudsters obtain phone numbers that pay them a small amount for each inbound call generated to the number (similar to 900
numbers found in the US). Fraudsters then nd ways to pump as many calls as possible to these phones, generating income for themselves. If this type of
trac is not caught and shut down, the cost to the caller which can be a website, a user with a compromised handset, a company with a compromised
PBX, etc. can be enormous. TeleSign detects this type of fraud and shuts it down automatically, saving clients money and resources.
Thailand, Brazil, Colombia, Ecuador, Egypt, Ghana, and Indonesia are currently producing signicantly higher than average volumes of attacks on large web
properties. These attacks include attempts to create massive numbers of fake accounts, attempts to take over accounts, etc. Thailand and Brazil are
currently leading the pack in terms of attack volume, with each seeing about 7x more attack attempts than the next most popular country.

2015 FRAUD REPORT telesign.com 2015 FRAUD REPORT telesign.com

Fraud Report Fraud Report

Automated Attacks: Trac Spikes Automated Attacks: Phone Number Anomalies

250

200

Number appearance frequency

150

100
Call Volume

50

0
Minutes of the day Minutes of the day

Automated attacks occur when a script or program is used to send automated requests to a website or telecom network. Fraudsters use automated attacks to create This is another example of abnormal behavior that indicates an automated attack. In this case, fraudsters attempted to use one phone number to create 230+ accounts in
thousands of accounts, make purchases, send malware, send premium rate SMS, etc. less than 24 hours. These accounts would then be used by the fraudster for spamming, phishing, or some similar undesirable activity.

Companies must be able to detect abnormal patterns in global delivery of SMS and voice trac. This graph shows an example of an anomalous spike in trac during an Attacks like this can occur so quickly with fraudsters attempting to create more than one account per second in some cases that they can be dicult to detect on a
automated attack detected by TeleSign. Identifying these patterns and shutting down these attacks requires telco-layer information, a broad view of security trac, fraud distributed network. TeleSign identies and stops these automated attacks before fraudsters can wreak havoc on website ecosystems.
research, and automated systems tuned by a team of experts.

2015 FRAUD REPORT telesign.com 2015 FRAUD REPORT telesign.com

The TeleSign color palette is contemporary

Fraud Report Fraud Report

professionalism. Its a fusion of strong and vibrant
hues that work universally across our brand.
Suddenly, Fraud is No Longer Cost Eective Cut Fake Account Registrations Primary colors
Before implementing TeleSign: Use these colors to showcase the brand and
No phone verication No phone verication Phone verication required
emphasize our identity. These should be the
Bronze Account conversion rate via SMS: 41% predominant colors used.
BEST SELLING BEST SELLING 5 Phone Numbers Service provider Fraudulent registrations per day: 2,800,000
1000 Accounts 1000 Accounts that phone

$25 $50 $69 $39

veries new Secondary colors
accounts
per order per order After implementing TeleSign: We have introduced three additional colors which
Faster Delivery Faster Delivery Veried US Forwarding Phone Numbers
can be incorporated to add some visual interest
Account conversion rate via SMS: 86%
when the primary colors become too repetitious.
Veried Accounts Veried Accounts Forwarding for 90 days and Fraudulent registrations per day: Almost none
25 mins. Incoming calls

Accent colors (online only)

Money Back Guarentee Money Back Guarentee
72 Hrs Delivery

These
verify their colors
mobile phonewere
numbers introduced when developing
Excel/Notepad Report Excel/Notepad Report
A Fortune 500 global web property cut fake account creation by requiring users to when creating new accounts. The company rst
Numbers for Voice Verify
checks to make sure that each user enters a valid mobile number during registration; the account is then veried by sending the user an OTP at the mobile phone number
they provided. This registration ow reduced the number of fraudulent accounts the
creatednew TeleSign website. They are vibrant RGB
24x7 Customer Support 24x7 Customer Support Personal Accounts
on this website by almost 100%, stopping more than 2.8 million fake accounts

Order Now Order Now Buy Now

from being created every day.
style colors and should only be used online.
These colors do not have equivalent print colors
Customer A = $ 0.025/acct Customer B = $ 0.05/acct Customer C = $ 7.80/acct due to the extended color gamut used.

For websites, keeping fake accounts o of their ecosystem is critical. One eective way for websites to block the creation of fake accounts is to require users to attach a veried
phone number to each account. Requiring phone verication during account creation signicantly slows the rate at which fraudsters can create fake accounts and increases
the fraudsters cost for each account created. Typically, phone veried accounts cost at least 160x more on the black market than accounts that are not phone veried.

2015 FRAUD REPORT telesign.com 2015 FRAUD REPORT telesign.com

 REGISTRATION MADE MOBILE

HOW TO INCREASE A recent Pew study found that 45% of those who have Internet on their phones prefer web browsing on their mobile devices over desktop or laptop

MOBILE REGISTRATION computers. But, you knew that. Your users are already going mobile. In fact, users are going mobile more than ever before, registering for services on mobile
devices and replacing browsers with apps to log in to mail, get news, and share updates. Yet the current mobile browser and app registration process is stuck

CONVERSIONS AND IMPROVE in the desktop computer era.

ACCOUNT SECURITY
45% of those who have Internet on their phones

prefer web browsing on their mobile devices over

desktop or laptop computers.

Additionally, security processes must also adapt to protect a user base that spends most of their time in the cloud. Shielding users from account compromise
is paramount to ensuring they have a great experience and continue to be loyal users. Bygone verication such as email, challenge questions, and CAPTCHA
are not secure and tell you little to nothing about the person behind the registration.

The registration process must change to both secure accounts and accommodate a user base that views life on a small screen. This eGuide will show you how
to update your mobile and app registration process to get users in faster while maintaining or improving your current security protocol with Mobile Identity.

MOBILE IDENTITY HOW ITS DONE: A BEST PRACTICE GUIDE

Your mobile number is your Mobile Identity. In fact, Your Mobile Number This is how Mobile Identity facilitates the journey from sign-up to welcome screen. This same process can be
a mobile number is the only truly unique and readily is
veriable form of identity that any of us have. Your Mobile Identity used to re-verify the user at any point in the future at password reset, for example, or whenever they wish to
sign on from a new device.
Mobile Identity gives businesses the ability to connect a unique identity to every account. It allows you to speed up your mobile registration process to
keep pace with your users. And, that unique identity enables you to protect your ecosystem from fraud and your users' accounts from compromise.

CLUNKY WON'T CUT IT.

MOBILE USERS DON'T WANT THE DESKTOP EXPERIENCE

Squeeze the desktop registration process onto a small screen, and something has to give. Slow
registration down and new users will simply give up. The secret to optimizing conversions is to
not be a time-waster. 1 ACCOUNT REGISTRATION

Simplifying the registration form down to phone number verication does three things:
First, it enables you to block fraud by analyzing the risk level of the phone number.
Second, it allows you to verify all new registrations and associate a unique identity
with each account.
And thirdly, its a simple, friction-free way for users to get onboard quickly. Less
roadblocks, less abandonment.
When a user rst creates an account, a simplied registration process means that all they are asked to do, at this initial
stage, is enter their mobile phone number.
Reproducing the desktop
experience on mobile There are a couple of things you can do to ensure a good user experience. The rst is to let the user know what will happen next,
just doesn't work why their phone number is required, and provide an option to obtain further information. Second, youll want to oer a voice call
as an option because some users are charged for SMS, and others just prefer Voice. It is a common practice to default to SMS,
but if you do this, make sure your SMS provider can alert you when a phone number cant receive an SMS.

The trick is to get users to sign up quickly, then allow them to customize their account with
extra information later, when they have more time. 13.57% of requested SMS are never delivered because
users give phone numbers that cant receive SMS.
 2 EXPLAIN WHY

We all like to know why we have to do something and it makes us feel better to know there is a good reason. Should the user MOBILE IDENTITY USER ENGAGEMENT
click on this further information option, you should clearly explain that their number is required in order to send them a
verication code by text message, and that you will not spam them or sell their information.

At the same time, Mobile Identity gives you a tried and true method to communicate important alerts and notications to your customers. It is also
a great way to re-engage with a user that may have momentarily forgotten how useful your app or service is. SMS is a great tool to gently remind
them to come back.

3 PHONE NUMBER CONFIRMATION

The user is asked to conrm the phone number they entered.

Once the phone number is conrmed, you can review data about the number to access
the risk level of issuing an account. Based on the phone data or the risk score returned, the
registration may either be agged or allowed. If the risk score is too high, you can ask the
user to provide a dierent phone number.

In a recent client trial, 17% of users

prefer voice over SMS.

4 VERIFICATION CODE SENT

Send an SMS or Voice call with the verication code to the users phone.

Be sure to include your company name, as well as the 4-6 digit code, in the SMS or Voice recording.
Oer as many languages as your users speak, in both SMS and Voice. Providing the code in your
users native language not only provides a better user experience but also improves the completion
rate of the form. Weve even found that providing options for accents such as American vs. British
vs. Australian English can have a big impact on how many users successfully convert.

THE USER THEN CREATES THEIR ACCOUNT BY ENTERING

5 CODE CONFIRMATION 7
THEIR FIRST AND LAST NAME, AND THEYRE DONE.

The user is asked to enter the code.
Your user is going to be looking at this screen for a few seconds, and this is where they are going to look for instruction if
the SMS is delayed. It is important to include an estimate of how long it may take for them to receive the code, and also to
oer the user the option of requesting the code be re-sent.
Mission accomplished! The user is in quick and painlessly and there is a veried Mobile Identity
associated with the account.
Many service providers streamline the registration process and then collect additional information
on the account over time, when it is most convenient for the user.

A Fortune 100 client reported a 89% reduction in 12.6 seconds on average to complete the Mobile Identity
fraudulent accounts using Mobile Identity registration form vs.
36.7 seconds with a desktop process on a mobile device.

6 THE USER ENTERS THE VERIFICATION CODE ONTO THEIR PHONE.

Once the user has The user should be alerted Quick & Simple
entered the correct if they have entered the
code, they are in! code incorrectly. Low Friction

Enhanced Security

Valid Phone Number Associated with Every Account

RECOMMENDED MOBILE IDENTITY WORKFLOW MOBILE IDENTITY.
PROTECTING YOU EVERY STEP OF THE WAY.
Not only does Mobile Identity protect you from fraud at account creation, it can also provide all kinds of downstream benets, including two-factor authentication,
new device registration, and alerts or user engagement.

Send yes The average user will forget their password, get a new device, or reinstall a mobile app at some point, and there is no better way to authenticate them than by
Verication New account
SMS
sending a one-time PIN code to their Mobile Identity on record.
yes

Phone can User enters

receive SMS? correct code
low
User Registration User Adds Account
(415) 877 3727 New Device Alert

no
API Call Prompt user
User enters Mobile Identity Send
to retry
number Risk Level voice call no PIN code
Feb July Dec

Jan April Aug

high
Prompt User
to provide
valid number

Password Suspicious User

Reset Login Location Engagement

LETS CHAT SMS MAKE SURE YOUR PROVIDER CHECKS OUT

Turns out its harder than just pressing Send. Here are some things to keep in mind as you roll out SMS. Heres a checklist of some of the features your provider must have in place, to fully implement Mobile Identity.

POINTS OF FAILURE: There are a lot of skips, hops and hoops to get from application to a persons handset. From cell towers, to gateways, and through
multiple operators, international SMS is even more complicated. Direct connects can cut a lot of failure points out of the equation. SMS AND VOICE PROVIDERS
Global connections and route failovers

SPAM SMS TRAFFIC: Its likely that your SMS is competing with thousands of other SMS for delivery. This can cause failure or delays due to system overload, Phone number cleansing

or the messages can be cancelled because they are hanging out with spam messages. Identication of SMS-enabled phones
Message encoding for all languages & dialects

PHONE NUMBERING PLANS: As countries grow past their regional numbering plan, carriers must add extra digits to phone numbers. As an example, Brazil Phone data: type, carrier information, risk level, and subscriber status

added the digit 9 to mobile numbers in many (but not all) of its cities in 2013.

INTERNATIONAL DIALING: All countries have patterns for dialing the number in-country vs. abroad. Some are simple, just drop a leading 0. Others are more SUPPORT SERVICES OTHER CONSIDERATIONS
complex, add 15 for in-country, drop 15 and add 9 for international. As carriers respond to changes in number plans, international dialing changes too. Designated account manager User education plan
24x7 technical support Set up two-factor authentication triggers

CHARACTER ENCODING: If youre reading this, you probably speak English. And luckily for you, sending SMS messages in English is pretty easy. The challenge Reporting and dashboards Provide back-up codes

begins when you need to send special characters, such as those with accents or characters from non-Latin languages (Chinese, Russian, Arabic, etc.). UI/UX best practices

LOCAL RULES AND REGULATIONS: Keeping up with each regulation/capability introduced or modied in 200-plus countries around the world can be a
challenge, but its necessary to send SMS successfully. Here are a few things to think about: Do Not Call list, short codes vs. long codes, and phone number
portability.

UNRELIABLE DELIVERY REPORTS: In theory, you should receive a delivery report (DLR) for every SMS you send indicating whether delivery of the SMS
succeeded or failed. Unfortunately, this is not realistic because of DLR delays, failures, faking, and lack of DLR support.

SMS messages sent for security purposes are often part of a users login experience, so delay or failure can be catastrophic. Make sure youre familiar with the
challenges and work with a partner who prioritizes successful delivery above all else.
MOBILE IDENTITY REGISTRATION A BETTER WAY
In order to keep up with mobile users, you need to cut down the steps and simply ask for your users mobile number to establish Mobile Identity.
If implemented correctly, the mobile registration process delivers a great user experience and provides the right levels of account verication and
protection. Mobile Identity gives you the ability to quickly connect a unique identity with every account to preserve your ecosystem by detecting a
suspicious user before account creation.
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INTERIOR DESIGN
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