News Releases

This page includes recent Community and Media Releases, Crime Prevention & General Information, as well as some Wanted or Missing Persons bulletins.

Thanksgiving 11/22/2011 12:00:00 AM Lobby & Visitation will be Closed on November 24th Thanksgiving Day November 25th Day After Thanksgiving
National Emergency Alert System TEST 11/9/2011 12:00:00 AM On Wednesday, November 9 at 2 p.m. (Eastern Standard Time), FEMA and the Federal Communications Commission (FCC) will conduct the nation's first ever Emergency Alert System (EAS) test. The purpose of this test is to help determine if the national-level system will work as designed, should officials ever need to send a national alert. This test will last approximately three minutes and will be seen on all local, cable, and satellite TV stations across the country, as well as radio.
Child Safety Seat 9/21/2011 12:00:00 AM Hoosier Parents are Urged, Have Your Child’s Car Seat checked as 9 out of 10 child safety seats in Indiana are misused. In an effort to keep kids safe on Hoosier roadways, the Indiana Criminal Justice Institute’s (ICJI) Traffic Safety division is asking parents and caregivers to have their child’s safety seat inspected during National Child Passenger Safety Week, September 18-24. Of the more than 4,300 children killed or injured in Indiana motor vehicle collisions last year, most were either unrestrained or improperly restrained. While most parents understand the importance of using car seats, few know how to properly select or install the safety devices. According to the National Highway Traffic Safety Administration (NHTSA), a properly installed car seat can reduce a child’s risk of injury in a motor vehicle collision by up to 70 percent. “Simply having a car seat in your vehicle isn’t enough,” said ICJI Traffic Safety Division Director, Ryan Klitzsch. “If the device is installed improperly, it may not protect children the way it was designed to,” he continued. “Anyone who transports a child in their vehicle should take this week to have their car seats inspected by a certified technician – because when it comes to the safety of children, there’s no room for mistakes.” Parents should also keep in mind that child safety seats aren’t just for infants and toddlers. Although their bodies are larger, older children are just as susceptible to injury and should be fitted for an appropriate safety device. In fact, the largest proportion of serious injuries among child passengers in Indiana last year occurred among 8 to 15 year olds. To help keep young Hoosiers safe in cars, always remember to:  Choose a car seat based on 1) their child’s age and size and; 2) the size of their vehicle;  Refer to the car seat manufacturer’s instructions and your vehicle owner’s manual on how to properly install your seat;  Keep your child in a car seat for as long as possible. As long as they don’t exceed the height and weight requirements of that seat, it is the safest way for them to travel; and  Seat children ages 12 and under in the back seat. More than 20 seat check clinics have been planned across Indiana for National Child Passenger Safety Week, all of which are free. For a listing of those events, go to www.preventinjury.org or call 1-800-KID-N-CAR. To learn more about National Child Passenger Safety Week, download car seat recommendations, or find a permanent fitting station in your area, visit http://www.nhtsa.gov/Safety/CPS. The Indiana Criminal Justice Institute (ICJI) receives funding from the National Highway Traffic Safety Administration (NHTSA) specifically to support statewide traffic safety initiatives such as child passenger safety. Child Passenger Safety Week is an annual campaign to bring public attention to the importance of properly securing all children in appropriate car seats, booster seats or seat belts – every trip, every time.
Update on burglary and shooting suspect 9/14/2011 12:00:00 AM Dearborn County Sheriff Mike Kreinhop recently received information confirming that William Gajdik, a suspect in a residential burglary and also a suspect in the shooting of a homeowner near Logan on September 6, 2011, is no longer in or near the Dearborn County area. On Monday, September 12, 2011, Gajdik allegedly stole a car from a dealership in Bettendorf, Iowa. The vehicle stolen is described as a white 2000 Chevrolet Cavalier with a Iowa dealer tag: D2405 0003. The burglary and shooting investigations of September 6,2011 are continuing. Suspects are considered innocent until proven guilty in a court of law.
Several burglaries & thefts solved 9/12/2011 12:00:00 AM During the early morning on September 12, 2011, Deputy Ben McBroom responded to a theft in the Manchester area. During Deputy McBroom’s investigation, Dearborn County Sgt. Jon Evans received information from Greendale Police Sgt. Kendle Davis that eventually led deputies to locate and arrest two suspects involved in the theft. Additional investigation indicated that the two suspects had also committed several thefts and burglaries in at least four Indiana counties and in Hamilton County, Ohio. Many items of stolen property have been recovered by the Dearborn County Sheriff Department. The value of the recovered stolen property is expected to be several thousand dollars. The investigation is continuing. Arrested: Steven Foutch, age 34 Aurora, Indiana Justin Shaw, age 22 Aurora, Indiana Sheriff Mike Kreinhop would like to commend all the officers involved in the apprehension of these two suspects and believes this is a perfectly good example of how successful an investigation can be when there is cooperation between agencies.
Burglary and Shooting in Bright 9/9/2011 6:00:00 AM The investigation being conducted by the Dearborn County Sheriff’s Department, and the Dearborn County Special Crimes Unit has identified William J. Gajdik as a person of interest in the burglaries and shooting that occurred in Bright, Indiana on September 6,2011. William J. Gajdik is a white male, age 38,5'10", blue eyes and reddish brown hair. Gajdik has warrant for Escape from the State of Nebraska. He was serving a ten to twenty year sentence on a Burglary conviction in the Nebraska Department of Corrections. He was last seen driving a 1995 Black Ford Thunderbird, Indiana License Number 717AUY. Anybody having information pertaining to the whereabouts of Gajdik should call the Dearborn County Special Crimes Unit Tip Line at 812-537-3571 or the Dearborn County Sheriffs Department at 812-537-3431. Gajdik should be considered armed and dangerous. The investigation has been assisted by the Rising Sun Police Department, the Indiana State Police and the Hamilton County Sheriffs Department.
Theft of Guard Rail Posts from the County Highway Department 9/2/2011 12:00:00 AM A Sunman area man was arrested and charged with Receiving Stolen Property, a class D felony, today in connection with a large theft from the Dearborn County Highway Garage. On August 25, 2011, highway workers reported the theft of approximately 900 metal guard rail posts over the two weeks prior to the report. Deputy David Funch took the initial report which was then transferred to the Dearborn County Special Crimes Unit for further investigation. According to the probable cause affidavit, filed by Detective Tom McKay, Bradley Lusby sold the posts at an Ohio scrap yard on seven dates in August. On each date Lusby was identified as the person selling the posts through photos at the cashier cage as well as the vehicle he was driving, which was photographed while loaded with the posts on the scales. The approximate value of the stolen posts was $9,000.00. Some of the posts had been scapped, however, some remained intact and were returned to the highway department. Arrested was: Bradley L. Lusby, age 29, of Sunman. Bradley Lusby was charged with Receiving Stolen Property, a Class D felony, and he incarcerated in the Dearborn County Law Enforcement Center. "This case was solved largely because of information gained as a result of public response to the news story about the incident. The metal yard owner was very cooperative and citizen information was also a factor in identifying the vehicle and ultimately the suspect in this case." Stated Detective McKay. Lusby faces possible penalities of one and one-half to three years of incarceration and fines of up to $10,000 if convicted. THE FACT THAT A PERSON HAS BEEN CHARGED WITH A CRIME IS MERELY AN ACCUSATION AND THE DEFENDANT IS PRESUMED INNOCENT UNTIL PROVEN GUILTY.
IDHS Public Preparedness Survey 8/9/2011 12:00:00 AM Are You Ready? IDHS Public Preparedness Survey By the Indiana Department of Homeland Security. PLEASE take this Survey... at http://www.in.gov/dhs/3695.htm
Marijuana Legalization…WHY?? 8/1/2011 12:00:00 AM In case you haven’t noticed, there is a movement afoot in Indiana to legalize marijuana. Those of us who have been involved in the “War on Drugs” have known this was coming for some time. It has been happening across our great nation, one state at a time for several years now. At this point in time there are 16 states plus the District of Columbia, our nation’s capitol, who have legalized marijuana in some form and to some degree. California was first in 1996 with Prop 215, followed in 1998 by Alaska, Washington, and Oregon. In 1999 Maine got on board, followed in 2000 by Colorado, Hawaii, and Nevada. Vermont and Montana fell for the movement in 2004, Rhode Island in 2006, New Mexico in 2007, and Michigan in 2008. In 2010 Arizona, New Jersey and Washington DC passed legislation allowing some possession, and in 2011 Delaware joined the movement. There is legislation pending in as many as 10 other states today as well. Here in the Midwest many of us never expected to be affected by such a movement, but proponents of marijuana legalization have had their eye on Indiana for years, and now we are facing the battle as well. It is upon us now, a reality, not just a rumor or a suggestion. On Thursday, July 28th, 2011 the Sentencing Policy Study Committee met at our Statehouse and heard testimony on the subject of legalization of marijuana in some form or the reduction of criminal penalties for smaller amounts. Proponents of drug legalization have aligned themselves with those in a position to sell their lies to the younger generation of Americans as a way to generate tax revenue, decriminalize society and reduce the prison population, just to name a few. Many say that changes in the law are overdue, because you should not have to go to jail for a small amount of marijuana. It’s been legalized in other states, so why is it a problem here? The problem is this is just the beginning! Proponents of legalization are not looking to have complete legalization overnight, they know that if they can get “just a little bit” of movement in their direction on the issue they have won a huge battle. But they won’t stop at that, they will be back in a year or two, guns loaded in order to get “just a little bit” more, and again and again . This method has worked in other states and it will work here, unless we STOP IT NOW !!! Over the years I have witnessed a slow but progressive change in what is acceptable by the public. “The social norms” have become more and more open and less and less restrictive, especially on our young people. Provocative dress, x-rated lyrics, computer porn, My Space, Face Book, Pot Face, disrespect for parents and elders, teenage pregnancy, underage drinking and even recreational drug use have become more and more acceptable. This behavior is often ignored because it’s easier to just “go with the flow” than to put up a fight. We have allowed this to happen by our inattention and complacency and as a result our children have accepted these views as well. The problem here is our children and other young people will inherit this country and will assume positions of power in our federal, state and local government and will soon be the law and policy makers who shape the future of the State of Indiana and our nation. I heard a commentator say the other day that according to a study of young people, most say that they can get their parents to agree to most anything if they just ask, ask, ask repeatedly. They say that parents will eventually give in to their demands with very little fight. Proponents of drug legalization are experts at using this same type of tactic. They will ask and ask, argue, and push until our legislators and the general public give in just to shut them up, little by little they get what they want, slowly but surely, if we let it happen. You as an individual DO have a choice in the matter, get involved, contact your legislators and let them know that you do not approve of any movement to legalize marijuana in Indiana. Write letters, send e-mail, talk to your lawmakers at public events. Get informed, know the issues and make sure your relatives and friends know where you stand on the issue, and especially let your children know where you stand. I have been involved in drug law enforcement in the State of Indiana for over 24 years. In that capacity and in my capacity as President of the Indiana Drug Enforcement Association, Inc.(IDEA) I have spoken out against drug legalization and the reduction of criminal penalties associated with drug possession in Indiana and intend to continue to do so. The IDEA, as a charter member of the National Narcotics Officers Associations Coalition (NNOAC), sends a delegation annually to Washington D.C. to address these issues and issues regarding funding of narcotics enforcement efforts, visiting Indiana lawmakers in our nation’s capitol and making our presence known there as well. I urge you as citizens and parents to join us in this fight against the legalization of marijuana, which will only lead to the same for other drugs. Speak out, contribute your insight, your time, and/or your money to this effort. Indiana has been called the “Crossroads of America” help us to put up a roadblock against marijuana legalization in the Great State of Indiana! Visit our website at: www. indianadea.com where you will find links to the NNOAC and narcotics officers associations across the United States. Tom McKay, President, Indiana Drug Enforcement Association, Inc.
32nd annual Indiana Sheriffs' Association Youth Leadership Camp 7/12/2011 3:00:00 PM The 32nd annual Indiana Sheriffs' Association Youth Leadership Camp for 7th and 8th grade boys and girls from the southern half of the state was held on July 5th, 6th and 7th, at Camp Waycross located in Brown County. The camp combines a variety of demonstrations with participation in group activities and competitions, while interacting with sheriffs' department officers, who serve as counselors and instructors. Again this year, Dearborn County, led by Sgt. Bill Ullrich, was very well represented by nine girls and fourteen boys (the largest group at the camp, out of a total of 72 campers from 20 counties), and three campers from Dearborn county returned home with awards for timed competitions in swimming and an obstacle course run. In the swimming competition, Shayne Raftery of Lawrenceburg took first place and Jessie Noel of Lawrenceburg came in second. In the girls obstacle course competition Chloe Murphy of Lawrenceburg took second place. The awards banquet on Thursday afternoon was very well attended by a number of parents, and most, if not all, of Dearborn County's campers received ribbons for squad (group) competitions. The Sheriffs' department thanks all of those who participated, their parents who were all very supportive, and a special "Thank You" to Jim Lattire for both providing the school bus to and from the camp, as well as driving the bus too.
32nd Annual Sheriff's Youth Leadership Camp 7/5/2011 12:00:00 AM Great turn out for the 32nd Annual Indiana Sheriff’s Association Youth Leadership camp. This year we have a record number of kids at the camp. We have 14 boys and 9 girls. This year’s camp is held at Camp Waycross near Morgantown Indiana (in Brown County). July 5, 6 and 7th. We will be posting photos and Video when they return. Sign-up for next year!
Indiana Fireworks and Saftey Laws 6/29/2011 7:00:00 AM For information on Indiana Fireworks Laws and Safety visit the Indiana Department of Homeland Security website at http://www.in.gov/dhs then click on the “Get Prepared” link on the left side of the page.
NEWS RELEASES 6/6/2011 2:15:00 PM News Releases will be posted here.
Disposal of Unwanted Medications Properly 5/1/2011 11:00:00 AM It's held the last Saturday of every month, from Noon until 4:00PM. Location: Law Enforcement Center. Any and all prescription & over the counter medication can be dropped off at the Law Enforcement Center on the above times, no questions asked. Sgt. Wally Lewis is the contact person, and the program is ran in cooperation with the Purdue Cooperative Extension Service and CASA. Needles are not accepted.
Dearborn County Spice Ban 2/15/2011 12:00:00 PM Now In Effect,The Dearborn County Commissioners passed a ban on the sale of products containing synthetic cannabinoids February 15. With packages marked “Spice” or “K2,” the product is marketed as incense, but gives users a marijuana-like high when smoked.
CREDIT CARD FRAUD INFORMATION Credit Card Fraud Current Perspective on the Problem While the fraudulent use of lost and stolen cards constitutes the majority of dollars lost to all credit card issuers, our new world of technology raises new fraud problems and issues. Increasing use of the Internet and the growth of electronic commerce allow fraud perpetrators new horizons and opportunities for larceny. Low-cost technology that is commonly available and user friendly allows unskilled fraud perpetrators to become accomplished counterfeiters of cards and travelers checks. The ready availability of technology has altered the geographical demographics and facilitated the globalization of fraud activity. Incidents in the most remote venue of the U.S. may be associated with criminal conduct on the far side of the world. In Fraudulent Use of Cards Lost/Stolen Lost and stolen cards are usually associated with direct losses of other property from Cardmembers. Often the loss originates with another crime. In short, the recovery of a card may be an important clue in the solution of a more grievous crime. A telephone call to one of our offices could resolve the issue. Some cards are stolen from the mail flow. These cards have high fraud potential, as neither the Cardmember nor the card issuer is aware of the loss. Investigations of postal losses could lead to federal charges. Non-received Cards (Postal Thefts) American Express® Cards, with certain limited exceptions, are delivered to Cardmembers by way of first-class United States mail. While in transit they are vulnerable to larceny by dishonest postal employees or contract carrier personnel. After delivery and particularly in larger urban areas, they may fall prey to mailbox thieves seeking credit cards and other items of value. These losses are particularly troublesome for credit card issuers since the Cardmember usually is not aware of the loss and therefore there is no immediate notification of loss. Standard techniques such as postmailers are being supplemented today by newer security devices such as “card activation.” Telephone/Mail Order Fraud This is sometimes referred to as “number only” fraud because a card is not required. When orders are placed with service establishments by phone, fax or mail, all that is required for possible success is a valid account number, Cardmember name, and Card expiration date. Efforts to reduce this type of fraud by mandating true Cardmember address verification have been successful. Altered Credit Cards Keeping pace with technology, today’s criminal has progressed through a variety of card-altering techniques. These alterations generally fall into two categories: physical and magnetic alteration. Magnetic alteration is a more recent phenomenon. Encoding and decoding equipment has become more readily obtainable and allows the fraud perpetrator to remove existing magnetic data from a card and replace it. It also allows the encoding of any plastic with a magnetic stripe where no simulation of a real card is needed (e.g., in an ATM transaction). Both may appear in the same case. True Counterfeit Cards These are cards that are totally spurious. If use or possession of a counterfeit card is suspected, examine the card for the presence of all card features noted earlier on this site. A call to the local American Express Security Office can usually result in a quick resolution of the issue and arm you with the information and assistance needed for you to proceed. Previously, the manufacture of counterfeit cards had originated with organized criminal groups having access to high-speed lithographic printing facilities. Some other schemes utilized silk screening as a means of production. The complexity of card designs today has minimized silk-screen type counterfeiting. When these cards now appear, they may be the end product of “cottage industry” activity. Today’s digital scanners, combined with sophisticated personal computing technology, have allowed the counterfeiter new opportunities. The upgrading of the technology, particularly its ability to replicate with increasing quality and enhanced detail, progresses almost daily. At the same time, these software programs are becoming increasingly user friendly, allowing even the marginally skilled to become accomplished counterfeiters. If it is believed that investigation has led you to a “plant” operation, presume that there is a network of distribution involved. It is also probable there will be a finding of evidence of the criminal involvement of further individuals. The thoroughness of a properly executed search may yield a bigger evidentiary find than first anticipated. Keep in mind that your local United States Secret Service Office stands ready to assist with the securing and search of personal computers and all related equipment. Yesterday’s counterfeiting operation was usually located in a commercial location, away from public scrutiny. In that environment, for example, the unique odors generated by inks and commercial solvents would not arouse any suspicion. But today’s counterfeiter can operate in an apartment, office or garage without ready detection and does not have to contend with those logistical issues. Skimming Altered and counterfeit card schemes, as well as magnetic stripe alteration, could not succeed without the fraud artist’s ability to obtain current, valid Cardmember account information. In today’s electronic environment, the validity of a credit card transaction is tested by the comparison of an encoded value, present on the card, with the one contained in the issuer’s database (refer to Glossary for CVC [MasterCard], CVV [Visa] and CID [American Express]). The act of obtaining that full data message with that key information from the true plastic is called skimming. The cloning of that data onto another plastic (usually a counterfeit card) completes the cycle. The act of skimming is accomplished by the use of any number of devices, some legitimately made for that purpose and others modified from devices for criminal use. These may include swipe terminals connected to a laptop computer or more commonly, pocketsize devices that are battery operated and are often protected from law enforcement scrutiny by password. Some have even been adapted to hang on a belt. Some recovered devices were protected so the individuals using them illegally could not download data. Some were found to have hand-etched serial numbers to provide the distributors with inventory control. Click to download PDF files of the: • Police Officer’s Guide • Business Owner’s Guide • Skimming Devices Many of these clever devices have been found to have self-erasure capability and must be handled carefully by law enforcement to preserve evidence. As of this writing, these devices have not been designated as legal contraband and their possession is not illegal. However, devices containing Cardmember account numbers and other protected data represent violations of U.S. Code as well as some state penal codes. Investigations by law enforcement in various venues have found that other means of obtaining this valuable data have been employed. These include passive wiretapping of telephone data lines and the use of various methods to compromise merchant card processing terminals. If fraudulently used Cardmember account numbers are found to have been used in a larger scheme, the card issuer will usually be able to verify it and possibly determine the Common Purchase Point or CPP. The ability of card issuers to sort and analyze this fraud data is of invaluable assistance in advancing a criminal investigation. It may be learned subsequently that individuals within that establishment are collusive. If appropriate, the cooperation of the ownership is invited, often later necessitating law enforcement intervention. On rare occasions, it may be readily determined that the business owner(s) themselves may be culpable. The attention of law enforcement may also be appropriate in this scenario. In that case, the merchant is reclassified internally by the card industry and the merchant may be referred to as a Point of Compromise or POC. Field Examination of Cards An individual found to be possessing multiple credit cards and identification in various names may be a stolen card user. However, he may also be a fraudulent application artist. • Examine the plastic in question. Compare it with a valid American Express® Card if you have one. Hazy printing and lack of definition may be an indication of a counterfeit card. • Look for blurring and uneven coloring, particularly on the areas of the card that have fine line printing. A further test, if practical, is to view the card under ultraviolet light and look for the letters AMEX (Card Features # 3). • Look at the embossed characters. Are they poorly spaced or out of line? • Look for “halos” of numbers that were de-embossed, if this is not readily apparent on the card face. • Look on the back of the card, tilting it slightly so that the light hits the card obliquely. If such halos are detected, this is a strong indication of a card that has been altered. Look also for any warping or “waning” of the plastic. This distortion can be caused by excessive heat during the alteration process. • Always check the signature panel for signs of tampering. Most often these are sprayed with paint or “white-out” is applied. Sometimes a new panel will be attached using a variety of adhesive tapes. Look for simple attempts at erasure or signs of chemical eradication. • If any of these indicators is detected, further investigation is warranted. Many major police departments as well as field offices of certain federal law enforcement agencies have been supplied with equipment capable of reading magnetic encoding. It is suggested that you contact, at a minimum, your local Secret Service Field Office. The Plastic Trail The use of a card by an individual clearly leaves a trail. Often this usage, which places an individual at a specific location on a specific day, can be an important piece of demonstrable evidence in the prosecution of other crimes. Typical documents that may be desired are applications, statements and payment instruments. Please include in the body of any subpoena all personal data available, including: • Cardmember account numbers (if known) • All names believed to be used by the subject(s) • Date(s) of birth • Social Security numbers • All addresses used by the subject(s). All subpoenas should be directed to the: Custodian of Records American Express Travel Related Services Company, Inc. American Express Tower World Financial Center New York, New York 10285-4409 All inquiries regarding subpoenas should be directed to: [212] 640-5151 • Retention criteria for approved applications vary from Card product to Card product. Generally, these are retained for seven years (subject to change). Some applications, for various reasons, may not be retrievable. Declined applications are only locatable with a copy of the declination letter and appropriate processing control numbers. • Instruments of payment require more extensive research for retrieval. In all cases, reasonable dates for delivery of subpoenaed data should be fixed. These records are also retained, as a general rule, for seven years. • Remember that with the increase of Electronic Data Capture, all original documentation will reside with the service establishment that submitted the charge (such as original signed charge records, sales invoices detailing merchandise and services rendered). • To obtain American Express Card records obtained by Electronic Data capture, a court order or subpoena is required. It is American Express’ policy to notify a Cardmember upon receipt of a subpoena for their consumer records. If you require nondisclosure to the Cardmember regarding the existence of the request, then the request must be in the form of a properly endorsed court order or Grand Jury subpoena. Generally, administrative subpoenas will not suffice in this instance. For those venues that utilize a search warrant format, these are only deemed valid for documents stored at the location served. Since Card records are stored at different geographical locations, the standard processes outlined above must be followed. Glossary of Common Industry Terminology Acquiring Bank — Signs merchants that accept bankcards for charge purposes. Some Acquiring Banks may be Issuing Banks as well. Additional Cardmember — Additional members authorized by the Basic Cardmember to make charges to the Basic Account. Anniversary Date — On an American Express® Card, the year that the Cardmember Account was established. The year only is embossed on the Card after the printed caption “Member Since.” Approval Code — For American Express transactions, it is entered on the Record of Charge (ROC) form in various locations (usually captioned) indicating that a transaction was authorized by the Credit Authorization System (CAS). The CAS transaction is retrievable from computer logs showing the date, time, merchant location, amount and action taken. These logs may also tell you whether a Card was actually swiped or the Cardmember Account number was manually entered (keyed). Authorization — For American Express transactions, central locations are designated to review service establishment (merchant) requests for credit authorizations. Many transactions are actually handled by a computer with a programmed approval range. Those requests not within this range are referred to authorizers, who make a credit decision. Automated Teller Machine (ATM) — A device activated by the magnetic stripe impulses on a charge, credit or debit card. This machine, connected to a central database, can perform various banking functions on the credit and debit levels, including cash dispensing within and sometimes between financial institutions. American Express machines also dispense American Express® Travelers Cheques. Bankcard — A credit card issued by the member banks or financial institutions of Visa and MasterCard. Basic Cardmember — The American Express Cardmember who is liable for charges made to the account by the Cardmember and any Additional Cardmembers on the account. Any Cardmembers authorized by the Basic Cardmember to charge on the account are called Additional Cardmembers. BIN Checker — Bank Identification Number or BIN is preprinted on the plastic directly above the first four numbers embossed on a bankcard. These two numbers must be identical. If they do not match, the card has been altered or is counterfeit. “Bust-Out” Merchant — A merchant that signs up with a Card Issuer and does not conduct any legitimate business. It has a short-lived but high fraud-life. Cancellation — Voluntary or involuntary termination of a Cardmember or service establishment’s (merchant’s) relationship with American Express. Card Activation — A tool used by American Express and other card issuers to reduce losses of cards due to thefts from the mails. The Cardmember must call American Express upon receipt of the Card and answer positive identification questions before the Card is considered active. This procedure applies to new accounts and renewal or replacement plastics. Chargeback — An adjustment to deduct funds from a service establishment (merchant) account. Charge Card — Type of card issued by American Express, Diners Club and Carte Blanche. Bills are payable when received. C.l.D. or Card Identification — Formerly referred to as four-digit batch coding, it is the numeric code preprinted on the plastic (unembossed). This number can be used to ensure that the Card is in the Cardmember’s possession. It also facilitates detection of altered, counterfeit or white plastic cards. This number is found on all American Express Cards along the right edge of the Card just above the embossed account number. On Optima® Cards, the CID is found along the left edge just above the embossed account number. It can be verified online. Collusive Merchant — Service establishment that conspires with third parties to defraud a card issuer. Most often, no merchandise is exchanged and the fraud proceeds are delivered in cash. Counterfeit Card — A totally spurious credit or charge card produced by utilizing known counterfeiting techniques such as silk screening, photo-offset lithography and, most commonly today, digital scanners with thermal printers. This equipment may be also modified to allow for encoding, embossing and chip encoding. C.P.P. — An industry term meaning Common Point of Purchase. This determination is the result of an automated system search utilizing the compromised Cardmember Account numbers to determine where these accounts may have been copied. Further investigation must be conducted to determine if the proprietors and/or management are involved directly with the fraud group. C.V.C. (MasterCard) — The same concept as C.l.D. and C.V.V. in the MasterCard format. C.V.V. (Visa) — Card Verification Value is a three-digit number encoded in a discretionary field. It is truncated from another number and arrived at by a complex computation involving the account number, an algorithm and another variable. The end result is that this value is unique to that plastic. It serves the same function as the previously defined C.l.D., i.e., to deter counterfeit altered or white-plastic fraud. This value can be verified online when a swipe terminal is employed. Debit Card — Charges result in an immediate deduction from the cardholder’s bank account. There is no credit function. Descriptive Billing — The information relating to individual transactions is described on the Cardmember’s billing statement. Discount Rate — The percentage of each sale that the service establishment (merchant) pays the Card Issuer or the Acquiring Bank. Dual Issuer — Member bank or financial institution is of both Visa and MasterCard. Dun — A demand for payment. Electronic Data Capture — Information received from merchants for payment processing is sent electronically and settlement is accomplished by computer use. This eliminates the need for paper document submissions. Embossing — The process of printing a plastic card with raised characters. Encoder — A device that places account numbers and other alpha/numeric data in specific configurations on the magnetic stripe area of a credit card. This device may also be capable of reading data. Fraudulent Application — A card application completed with false information intended to deceive the card issuer to extend a credit account to a purported cardholder. Hologram — A laser-produced image having a three-dimensional appearance and alternating image. It is currently being used as a security device on certain bankcards to combat alteration and counterfeiting. Holographic Foil — An anti-counterfeiting deterrent featuring a multi-dimensional image that is hot stamped on the front of travelers checks. Hot Stamping — Process by which holographic foils or other similar metalized features are applied to the surface of a substrate of paper or plastic. Imprinter — A machine used by a service establishment (merchant) to impress the Record of Charge with a charge or credit card, the date of the transaction, and the service establishment number name and address. Often relevant bankcard merchant numbers appear on the same imprinter. These machines are becoming less common, due to the increase of electronic sales. Issuing Bank — Member bank or financial institution enrolling individuals for credit card accounts. Some Issuing Banks may be Acquiring Banks as well. Lithography — Photo offset reproduction utilizing a negative (photo) image burned into a light-sensitive plate. This technique produces a high-quality counterfeit product. Magnetic Stripe — Referred to as a magstripe, it appears on American Express Cards on the upper reverse side of the Card. It has the ability to hold encoded data that can be interpreted only by a compatible reader. Various information is encoded including Cardmember name and Card expiration date. Microprinting — Text that is so small it cannot currently be readily replicated by the printing equipment generally available today (low dot-per-inch capability). This anti-counterfeiting device can be used on both paper and plastic. Non-Received Card — An industry phrase relating to a card stolen from the mail flow, often unbeknownst to the Cardmember and the Issuer. Personal Identification Number (PIN) — Sometimes called Personal Identification Code (PIC), it is an alpha and/or numeric code that can be used as means of identifying the Card presenter at a magnetic stripe reading terminal. Most PINs are used with Automated (Bank) Teller Machines (ATM’s), or, in the case of American Express, with cash and Cheque dispensing machines. Point of Compromise (P.O.C.) — An industry term indicating that the further investigation of a C.P.P. (Common Point of Purchase) has disclosed that the management and/or ownership are a component of the criminal conspiracy. Point of Sale Device — A computer terminal used by a service establishment to process a charge. It is directly linked to the Credit Authorization System (CAS) or indirectly through a third-party processor. Purchase Agreement Form (PAF) — Filled out by the Travelers Cheques purchaser, it contains the purchaser’s name and address, signature, amount purchased, the serial numbers of Cheques sold, and the date of sale. Record of Charge (ROC) — Historically, this was a two or three-part slip signed by the Cardmember for payment at the point of sale. [Also called a sales draft, invoice or charge ticket]. The expanding use of Electronic Data Capture has dictated the use of other formats, such as one- or two-part electronically printed drafts. These also require a signature. These EDC invoices normally reside with the merchant as does any back-up documentation. Scanner — An “offline” risk computer program that scans transactions to search for potential fraud. Its referrals most often result in Cardmember contact to ascertain if the charges are authentic and prevent further unauthorized charge activity if they are not. Sign & Travel Account — A payment option offered by American Express to the holders of certain Card products allowing them to pay for airline and certain other packages using an extended payment schedule. Silk Screening — A printing process sometimes used in the counterfeiting of credit cards. The artwork is put on a porous screen and the ink forced through. Historically, this technology has produced a passable bankcard counterfeit. Recent changes in bankcard design have largely defeated this type of credit card counterfeiting. Skimmer — A portable electronic device capable of reading and storing data copied from true credit card magnetic stripes. Ultraviolet Ink — Ink that can be viewed only under black or ultraviolet light. Unique Embossed Character — Now used by some issuers as a counterfeit deterrent. It involves embossing a character that is usually the exclusive property of the Issuer and not readily available in the marketplace. Void Pattern — Structured lines and patterns on an original document that react to display the word VOID on replicated documents made on color copiers. Watermark — An image embedded into paper during the manufacturing process, best viewed through transparent light. Watermarks may be registered in a localized region or randomly throughout the document. White Plastic — A credit card size piece of plastic (polyvinylchloride) with or without an encodable magnetic stripe, capable of being embossed and/or encoded.

Thanksgiving
11/22/2011 12:00:00 AM
Lobby & Visitation will be Closed on November 24th Thanksgiving Day November 25th Day After Thanksgiving

National Emergency Alert System TEST
11/9/2011 12:00:00 AM
On Wednesday, November 9 at 2 p.m. (Eastern Standard Time), FEMA and the Federal Communications Commission (FCC) will conduct the nation's first ever Emergency Alert System (EAS) test. The purpose of this test is to help determine if the national-level system will work as designed, should officials ever need to send a national alert. This test will last approximately three minutes and will be seen on all local, cable, and satellite TV stations across the country, as well as radio.

Child Safety Seat
9/21/2011 12:00:00 AM
Hoosier Parents are Urged, Have Your Child’s Car Seat checked as 9 out of 10 child safety seats in Indiana are misused. In an effort to keep kids safe on Hoosier roadways, the Indiana Criminal Justice Institute’s (ICJI) Traffic Safety division is asking parents and caregivers to have their child’s safety seat inspected during National Child Passenger Safety Week, September 18-24. Of the more than 4,300 children killed or injured in Indiana motor vehicle collisions last year, most were either unrestrained or improperly restrained. While most parents understand the importance of using car seats, few know how to properly select or install the safety devices. According to the National Highway Traffic Safety Administration (NHTSA), a properly installed car seat can reduce a child’s risk of injury in a motor vehicle collision by up to 70 percent. “Simply having a car seat in your vehicle isn’t enough,” said ICJI Traffic Safety Division Director, Ryan Klitzsch. “If the device is installed improperly, it may not protect children the way it was designed to,” he continued. “Anyone who transports a child in their vehicle should take this week to have their car seats inspected by a certified technician – because when it comes to the safety of children, there’s no room for mistakes.” Parents should also keep in mind that child safety seats aren’t just for infants and toddlers. Although their bodies are larger, older children are just as susceptible to injury and should be fitted for an appropriate safety device. In fact, the largest proportion of serious injuries among child passengers in Indiana last year occurred among 8 to 15 year olds. To help keep young Hoosiers safe in cars, always remember to:  Choose a car seat based on 1) their child’s age and size and; 2) the size of their vehicle;  Refer to the car seat manufacturer’s instructions and your vehicle owner’s manual on how to properly install your seat;  Keep your child in a car seat for as long as possible. As long as they don’t exceed the height and weight requirements of that seat, it is the safest way for them to travel; and  Seat children ages 12 and under in the back seat. More than 20 seat check clinics have been planned across Indiana for National Child Passenger Safety Week, all of which are free. For a listing of those events, go to www.preventinjury.org or call 1-800-KID-N-CAR. To learn more about National Child Passenger Safety Week, download car seat recommendations, or find a permanent fitting station in your area, visit http://www.nhtsa.gov/Safety/CPS. The Indiana Criminal Justice Institute (ICJI) receives funding from the National Highway Traffic Safety Administration (NHTSA) specifically to support statewide traffic safety initiatives such as child passenger safety. Child Passenger Safety Week is an annual campaign to bring public attention to the importance of properly securing all children in appropriate car seats, booster seats or seat belts – every trip, every time.

Update on burglary and shooting suspect
9/14/2011 12:00:00 AM
Dearborn County Sheriff Mike Kreinhop recently received information confirming that William Gajdik, a suspect in a residential burglary and also a suspect in the shooting of a homeowner near Logan on September 6, 2011, is no longer in or near the Dearborn County area. On Monday, September 12, 2011, Gajdik allegedly stole a car from a dealership in Bettendorf, Iowa. The vehicle stolen is described as a white 2000 Chevrolet Cavalier with a Iowa dealer tag: D2405 0003. The burglary and shooting investigations of September 6,2011 are continuing. Suspects are considered innocent until proven guilty in a court of law.

Several burglaries & thefts solved
9/12/2011 12:00:00 AM
During the early morning on September 12, 2011, Deputy Ben McBroom responded to a theft in the Manchester area. During Deputy McBroom’s investigation, Dearborn County Sgt. Jon Evans received information from Greendale Police Sgt. Kendle Davis that eventually led deputies to locate and arrest two suspects involved in the theft. Additional investigation indicated that the two suspects had also committed several thefts and burglaries in at least four Indiana counties and in Hamilton County, Ohio. Many items of stolen property have been recovered by the Dearborn County Sheriff Department. The value of the recovered stolen property is expected to be several thousand dollars. The investigation is continuing. Arrested: Steven Foutch, age 34 Aurora, Indiana Justin Shaw, age 22 Aurora, Indiana Sheriff Mike Kreinhop would like to commend all the officers involved in the apprehension of these two suspects and believes this is a perfectly good example of how successful an investigation can be when there is cooperation between agencies.

Burglary and Shooting in Bright
9/9/2011 6:00:00 AM
The investigation being conducted by the Dearborn County Sheriff’s Department, and the Dearborn County Special Crimes Unit has identified William J. Gajdik as a person of interest in the burglaries and shooting that occurred in Bright, Indiana on September 6,2011. William J. Gajdik is a white male, age 38,5'10", blue eyes and reddish brown hair. Gajdik has warrant for Escape from the State of Nebraska. He was serving a ten to twenty year sentence on a Burglary conviction in the Nebraska Department of Corrections. He was last seen driving a 1995 Black Ford Thunderbird, Indiana License Number 717AUY. Anybody having information pertaining to the whereabouts of Gajdik should call the Dearborn County Special Crimes Unit Tip Line at 812-537-3571 or the Dearborn County Sheriffs Department at 812-537-3431. Gajdik should be considered armed and dangerous. The investigation has been assisted by the Rising Sun Police Department, the Indiana State Police and the Hamilton County Sheriffs Department.

Theft of Guard Rail Posts from the County Highway Department
9/2/2011 12:00:00 AM
A Sunman area man was arrested and charged with Receiving Stolen Property, a class D felony, today in connection with a large theft from the Dearborn County Highway Garage. On August 25, 2011, highway workers reported the theft of approximately 900 metal guard rail posts over the two weeks prior to the report. Deputy David Funch took the initial report which was then transferred to the Dearborn County Special Crimes Unit for further investigation. According to the probable cause affidavit, filed by Detective Tom McKay, Bradley Lusby sold the posts at an Ohio scrap yard on seven dates in August. On each date Lusby was identified as the person selling the posts through photos at the cashier cage as well as the vehicle he was driving, which was photographed while loaded with the posts on the scales. The approximate value of the stolen posts was $9,000.00. Some of the posts had been scapped, however, some remained intact and were returned to the highway department. Arrested was: Bradley L. Lusby, age 29, of Sunman. Bradley Lusby was charged with Receiving Stolen Property, a Class D felony, and he incarcerated in the Dearborn County Law Enforcement Center. "This case was solved largely because of information gained as a result of public response to the news story about the incident. The metal yard owner was very cooperative and citizen information was also a factor in identifying the vehicle and ultimately the suspect in this case." Stated Detective McKay. Lusby faces possible penalities of one and one-half to three years of incarceration and fines of up to $10,000 if convicted. THE FACT THAT A PERSON HAS BEEN CHARGED WITH A CRIME IS MERELY AN ACCUSATION AND THE DEFENDANT IS PRESUMED INNOCENT UNTIL PROVEN GUILTY.

IDHS Public Preparedness Survey
8/9/2011 12:00:00 AM
Are You Ready? IDHS Public Preparedness Survey By the Indiana Department of Homeland Security. PLEASE take this Survey... at http://www.in.gov/dhs/3695.htm

Marijuana Legalization…WHY??
8/1/2011 12:00:00 AM
In case you haven’t noticed, there is a movement afoot in Indiana to legalize marijuana. Those of us who have been involved in the “War on Drugs” have known this was coming for some time. It has been happening across our great nation, one state at a time for several years now. At this point in time there are 16 states plus the District of Columbia, our nation’s capitol, who have legalized marijuana in some form and to some degree. California was first in 1996 with Prop 215, followed in 1998 by Alaska, Washington, and Oregon. In 1999 Maine got on board, followed in 2000 by Colorado, Hawaii, and Nevada. Vermont and Montana fell for the movement in 2004, Rhode Island in 2006, New Mexico in 2007, and Michigan in 2008. In 2010 Arizona, New Jersey and Washington DC passed legislation allowing some possession, and in 2011 Delaware joined the movement. There is legislation pending in as many as 10 other states today as well. Here in the Midwest many of us never expected to be affected by such a movement, but proponents of marijuana legalization have had their eye on Indiana for years, and now we are facing the battle as well. It is upon us now, a reality, not just a rumor or a suggestion. On Thursday, July 28th, 2011 the Sentencing Policy Study Committee met at our Statehouse and heard testimony on the subject of legalization of marijuana in some form or the reduction of criminal penalties for smaller amounts. Proponents of drug legalization have aligned themselves with those in a position to sell their lies to the younger generation of Americans as a way to generate tax revenue, decriminalize society and reduce the prison population, just to name a few. Many say that changes in the law are overdue, because you should not have to go to jail for a small amount of marijuana. It’s been legalized in other states, so why is it a problem here? The problem is this is just the beginning! Proponents of legalization are not looking to have complete legalization overnight, they know that if they can get “just a little bit” of movement in their direction on the issue they have won a huge battle. But they won’t stop at that, they will be back in a year or two, guns loaded in order to get “just a little bit” more, and again and again . This method has worked in other states and it will work here, unless we STOP IT NOW !!! Over the years I have witnessed a slow but progressive change in what is acceptable by the public. “The social norms” have become more and more open and less and less restrictive, especially on our young people. Provocative dress, x-rated lyrics, computer porn, My Space, Face Book, Pot Face, disrespect for parents and elders, teenage pregnancy, underage drinking and even recreational drug use have become more and more acceptable. This behavior is often ignored because it’s easier to just “go with the flow” than to put up a fight. We have allowed this to happen by our inattention and complacency and as a result our children have accepted these views as well. The problem here is our children and other young people will inherit this country and will assume positions of power in our federal, state and local government and will soon be the law and policy makers who shape the future of the State of Indiana and our nation. I heard a commentator say the other day that according to a study of young people, most say that they can get their parents to agree to most anything if they just ask, ask, ask repeatedly. They say that parents will eventually give in to their demands with very little fight. Proponents of drug legalization are experts at using this same type of tactic. They will ask and ask, argue, and push until our legislators and the general public give in just to shut them up, little by little they get what they want, slowly but surely, if we let it happen. You as an individual DO have a choice in the matter, get involved, contact your legislators and let them know that you do not approve of any movement to legalize marijuana in Indiana. Write letters, send e-mail, talk to your lawmakers at public events. Get informed, know the issues and make sure your relatives and friends know where you stand on the issue, and especially let your children know where you stand. I have been involved in drug law enforcement in the State of Indiana for over 24 years. In that capacity and in my capacity as President of the Indiana Drug Enforcement Association, Inc.(IDEA) I have spoken out against drug legalization and the reduction of criminal penalties associated with drug possession in Indiana and intend to continue to do so. The IDEA, as a charter member of the National Narcotics Officers Associations Coalition (NNOAC), sends a delegation annually to Washington D.C. to address these issues and issues regarding funding of narcotics enforcement efforts, visiting Indiana lawmakers in our nation’s capitol and making our presence known there as well. I urge you as citizens and parents to join us in this fight against the legalization of marijuana, which will only lead to the same for other drugs. Speak out, contribute your insight, your time, and/or your money to this effort. Indiana has been called the “Crossroads of America” help us to put up a roadblock against marijuana legalization in the Great State of Indiana! Visit our website at: www. indianadea.com where you will find links to the NNOAC and narcotics officers associations across the United States. Tom McKay, President, Indiana Drug Enforcement Association, Inc.

32nd annual Indiana Sheriffs' Association Youth Leadership Camp
7/12/2011 3:00:00 PM
The 32nd annual Indiana Sheriffs' Association Youth Leadership Camp for 7th and 8th grade boys and girls from the southern half of the state was held on July 5th, 6th and 7th, at Camp Waycross located in Brown County. The camp combines a variety of demonstrations with participation in group activities and competitions, while interacting with sheriffs' department officers, who serve as counselors and instructors. Again this year, Dearborn County, led by Sgt. Bill Ullrich, was very well represented by nine girls and fourteen boys (the largest group at the camp, out of a total of 72 campers from 20 counties), and three campers from Dearborn county returned home with awards for timed competitions in swimming and an obstacle course run. In the swimming competition, Shayne Raftery of Lawrenceburg took first place and Jessie Noel of Lawrenceburg came in second. In the girls obstacle course competition Chloe Murphy of Lawrenceburg took second place. The awards banquet on Thursday afternoon was very well attended by a number of parents, and most, if not all, of Dearborn County's campers received ribbons for squad (group) competitions. The Sheriffs' department thanks all of those who participated, their parents who were all very supportive, and a special "Thank You" to Jim Lattire for both providing the school bus to and from the camp, as well as driving the bus too.

32nd Annual Sheriff's Youth Leadership Camp
7/5/2011 12:00:00 AM
Great turn out for the 32nd Annual Indiana Sheriff’s Association Youth Leadership camp. This year we have a record number of kids at the camp. We have 14 boys and 9 girls. This year’s camp is held at Camp Waycross near Morgantown Indiana (in Brown County). July 5, 6 and 7th. We will be posting photos and Video when they return. Sign-up for next year!

Indiana Fireworks and Saftey Laws
6/29/2011 7:00:00 AM
For information on Indiana Fireworks Laws and Safety visit the Indiana Department of Homeland Security website at http://www.in.gov/dhs then click on the “Get Prepared” link on the left side of the page.

NEWS RELEASES
6/6/2011 2:15:00 PM
News Releases will be posted here.

Disposal of Unwanted Medications Properly
5/1/2011 11:00:00 AM
It's held the last Saturday of every month, from Noon until 4:00PM. Location: Law Enforcement Center. Any and all prescription & over the counter medication can be dropped off at the Law Enforcement Center on the above times, no questions asked. Sgt. Wally Lewis is the contact person, and the program is ran in cooperation with the Purdue Cooperative Extension Service and CASA. Needles are not accepted.

Dearborn County Spice Ban
2/15/2011 12:00:00 PM
Now In Effect,The Dearborn County Commissioners passed a ban on the sale of products containing synthetic cannabinoids February 15. With packages marked “Spice” or “K2,” the product is marketed as incense, but gives users a marijuana-like high when smoked.

CREDIT CARD FRAUD INFORMATION

Credit Card Fraud Current Perspective on the Problem While the fraudulent use of lost and stolen cards constitutes the majority of dollars lost to all credit card issuers, our new world of technology raises new fraud problems and issues. Increasing use of the Internet and the growth of electronic commerce allow fraud perpetrators new horizons and opportunities for larceny. Low-cost technology that is commonly available and user friendly allows unskilled fraud perpetrators to become accomplished counterfeiters of cards and travelers checks. The ready availability of technology has altered the geographical demographics and facilitated the globalization of fraud activity. Incidents in the most remote venue of the U.S. may be associated with criminal conduct on the far side of the world. In Fraudulent Use of Cards Lost/Stolen Lost and stolen cards are usually associated with direct losses of other property from Cardmembers. Often the loss originates with another crime. In short, the recovery of a card may be an important clue in the solution of a more grievous crime. A telephone call to one of our offices could resolve the issue. Some cards are stolen from the mail flow. These cards have high fraud potential, as neither the Cardmember nor the card issuer is aware of the loss. Investigations of postal losses could lead to federal charges. Non-received Cards (Postal Thefts) American Express® Cards, with certain limited exceptions, are delivered to Cardmembers by way of first-class United States mail. While in transit they are vulnerable to larceny by dishonest postal employees or contract carrier personnel. After delivery and particularly in larger urban areas, they may fall prey to mailbox thieves seeking credit cards and other items of value. These losses are particularly troublesome for credit card issuers since the Cardmember usually is not aware of the loss and therefore there is no immediate notification of loss. Standard techniques such as postmailers are being supplemented today by newer security devices such as “card activation.” Telephone/Mail Order Fraud This is sometimes referred to as “number only” fraud because a card is not required. When orders are placed with service establishments by phone, fax or mail, all that is required for possible success is a valid account number, Cardmember name, and Card expiration date. Efforts to reduce this type of fraud by mandating true Cardmember address verification have been successful. Altered Credit Cards Keeping pace with technology, today’s criminal has progressed through a variety of card-altering techniques. These alterations generally fall into two categories: physical and magnetic alteration. Magnetic alteration is a more recent phenomenon. Encoding and decoding equipment has become more readily obtainable and allows the fraud perpetrator to remove existing magnetic data from a card and replace it. It also allows the encoding of any plastic with a magnetic stripe where no simulation of a real card is needed (e.g., in an ATM transaction). Both may appear in the same case. True Counterfeit Cards These are cards that are totally spurious. If use or possession of a counterfeit card is suspected, examine the card for the presence of all card features noted earlier on this site. A call to the local American Express Security Office can usually result in a quick resolution of the issue and arm you with the information and assistance needed for you to proceed. Previously, the manufacture of counterfeit cards had originated with organized criminal groups having access to high-speed lithographic printing facilities. Some other schemes utilized silk screening as a means of production. The complexity of card designs today has minimized silk-screen type counterfeiting. When these cards now appear, they may be the end product of “cottage industry” activity. Today’s digital scanners, combined with sophisticated personal computing technology, have allowed the counterfeiter new opportunities. The upgrading of the technology, particularly its ability to replicate with increasing quality and enhanced detail, progresses almost daily. At the same time, these software programs are becoming increasingly user friendly, allowing even the marginally skilled to become accomplished counterfeiters. If it is believed that investigation has led you to a “plant” operation, presume that there is a network of distribution involved. It is also probable there will be a finding of evidence of the criminal involvement of further individuals. The thoroughness of a properly executed search may yield a bigger evidentiary find than first anticipated. Keep in mind that your local United States Secret Service Office stands ready to assist with the securing and search of personal computers and all related equipment. Yesterday’s counterfeiting operation was usually located in a commercial location, away from public scrutiny. In that environment, for example, the unique odors generated by inks and commercial solvents would not arouse any suspicion. But today’s counterfeiter can operate in an apartment, office or garage without ready detection and does not have to contend with those logistical issues. Skimming Altered and counterfeit card schemes, as well as magnetic stripe alteration, could not succeed without the fraud artist’s ability to obtain current, valid Cardmember account information. In today’s electronic environment, the validity of a credit card transaction is tested by the comparison of an encoded value, present on the card, with the one contained in the issuer’s database (refer to Glossary for CVC [MasterCard], CVV [Visa] and CID [American Express]). The act of obtaining that full data message with that key information from the true plastic is called skimming. The cloning of that data onto another plastic (usually a counterfeit card) completes the cycle. The act of skimming is accomplished by the use of any number of devices, some legitimately made for that purpose and others modified from devices for criminal use. These may include swipe terminals connected to a laptop computer or more commonly, pocketsize devices that are battery operated and are often protected from law enforcement scrutiny by password. Some have even been adapted to hang on a belt. Some recovered devices were protected so the individuals using them illegally could not download data. Some were found to have hand-etched serial numbers to provide the distributors with inventory control. Click to download PDF files of the: • Police Officer’s Guide • Business Owner’s Guide • Skimming Devices Many of these clever devices have been found to have self-erasure capability and must be handled carefully by law enforcement to preserve evidence. As of this writing, these devices have not been designated as legal contraband and their possession is not illegal. However, devices containing Cardmember account numbers and other protected data represent violations of U.S. Code as well as some state penal codes. Investigations by law enforcement in various venues have found that other means of obtaining this valuable data have been employed. These include passive wiretapping of telephone data lines and the use of various methods to compromise merchant card processing terminals. If fraudulently used Cardmember account numbers are found to have been used in a larger scheme, the card issuer will usually be able to verify it and possibly determine the Common Purchase Point or CPP. The ability of card issuers to sort and analyze this fraud data is of invaluable assistance in advancing a criminal investigation. It may be learned subsequently that individuals within that establishment are collusive. If appropriate, the cooperation of the ownership is invited, often later necessitating law enforcement intervention. On rare occasions, it may be readily determined that the business owner(s) themselves may be culpable. The attention of law enforcement may also be appropriate in this scenario. In that case, the merchant is reclassified internally by the card industry and the merchant may be referred to as a Point of Compromise or POC. Field Examination of Cards An individual found to be possessing multiple credit cards and identification in various names may be a stolen card user. However, he may also be a fraudulent application artist. • Examine the plastic in question. Compare it with a valid American Express® Card if you have one. Hazy printing and lack of definition may be an indication of a counterfeit card. • Look for blurring and uneven coloring, particularly on the areas of the card that have fine line printing. A further test, if practical, is to view the card under ultraviolet light and look for the letters AMEX (Card Features # 3). • Look at the embossed characters. Are they poorly spaced or out of line? • Look for “halos” of numbers that were de-embossed, if this is not readily apparent on the card face. • Look on the back of the card, tilting it slightly so that the light hits the card obliquely. If such halos are detected, this is a strong indication of a card that has been altered. Look also for any warping or “waning” of the plastic. This distortion can be caused by excessive heat during the alteration process. • Always check the signature panel for signs of tampering. Most often these are sprayed with paint or “white-out” is applied. Sometimes a new panel will be attached using a variety of adhesive tapes. Look for simple attempts at erasure or signs of chemical eradication. • If any of these indicators is detected, further investigation is warranted. Many major police departments as well as field offices of certain federal law enforcement agencies have been supplied with equipment capable of reading magnetic encoding. It is suggested that you contact, at a minimum, your local Secret Service Field Office. The Plastic Trail The use of a card by an individual clearly leaves a trail. Often this usage, which places an individual at a specific location on a specific day, can be an important piece of demonstrable evidence in the prosecution of other crimes. Typical documents that may be desired are applications, statements and payment instruments. Please include in the body of any subpoena all personal data available, including: • Cardmember account numbers (if known) • All names believed to be used by the subject(s) • Date(s) of birth • Social Security numbers • All addresses used by the subject(s). All subpoenas should be directed to the: Custodian of Records American Express Travel Related Services Company, Inc. American Express Tower World Financial Center New York, New York 10285-4409 All inquiries regarding subpoenas should be directed to: [212] 640-5151 • Retention criteria for approved applications vary from Card product to Card product. Generally, these are retained for seven years (subject to change). Some applications, for various reasons, may not be retrievable. Declined applications are only locatable with a copy of the declination letter and appropriate processing control numbers. • Instruments of payment require more extensive research for retrieval. In all cases, reasonable dates for delivery of subpoenaed data should be fixed. These records are also retained, as a general rule, for seven years. • Remember that with the increase of Electronic Data Capture, all original documentation will reside with the service establishment that submitted the charge (such as original signed charge records, sales invoices detailing merchandise and services rendered). • To obtain American Express Card records obtained by Electronic Data capture, a court order or subpoena is required. It is American Express’ policy to notify a Cardmember upon receipt of a subpoena for their consumer records. If you require nondisclosure to the Cardmember regarding the existence of the request, then the request must be in the form of a properly endorsed court order or Grand Jury subpoena. Generally, administrative subpoenas will not suffice in this instance. For those venues that utilize a search warrant format, these are only deemed valid for documents stored at the location served. Since Card records are stored at different geographical locations, the standard processes outlined above must be followed. Glossary of Common Industry Terminology Acquiring Bank — Signs merchants that accept bankcards for charge purposes. Some Acquiring Banks may be Issuing Banks as well. Additional Cardmember — Additional members authorized by the Basic Cardmember to make charges to the Basic Account. Anniversary Date — On an American Express® Card, the year that the Cardmember Account was established. The year only is embossed on the Card after the printed caption “Member Since.” Approval Code — For American Express transactions, it is entered on the Record of Charge (ROC) form in various locations (usually captioned) indicating that a transaction was authorized by the Credit Authorization System (CAS). The CAS transaction is retrievable from computer logs showing the date, time, merchant location, amount and action taken. These logs may also tell you whether a Card was actually swiped or the Cardmember Account number was manually entered (keyed). Authorization — For American Express transactions, central locations are designated to review service establishment (merchant) requests for credit authorizations. Many transactions are actually handled by a computer with a programmed approval range. Those requests not within this range are referred to authorizers, who make a credit decision. Automated Teller Machine (ATM) — A device activated by the magnetic stripe impulses on a charge, credit or debit card. This machine, connected to a central database, can perform various banking functions on the credit and debit levels, including cash dispensing within and sometimes between financial institutions. American Express machines also dispense American Express® Travelers Cheques. Bankcard — A credit card issued by the member banks or financial institutions of Visa and MasterCard. Basic Cardmember — The American Express Cardmember who is liable for charges made to the account by the Cardmember and any Additional Cardmembers on the account. Any Cardmembers authorized by the Basic Cardmember to charge on the account are called Additional Cardmembers. BIN Checker — Bank Identification Number or BIN is preprinted on the plastic directly above the first four numbers embossed on a bankcard. These two numbers must be identical. If they do not match, the card has been altered or is counterfeit. “Bust-Out” Merchant — A merchant that signs up with a Card Issuer and does not conduct any legitimate business. It has a short-lived but high fraud-life. Cancellation — Voluntary or involuntary termination of a Cardmember or service establishment’s (merchant’s) relationship with American Express. Card Activation — A tool used by American Express and other card issuers to reduce losses of cards due to thefts from the mails. The Cardmember must call American Express upon receipt of the Card and answer positive identification questions before the Card is considered active. This procedure applies to new accounts and renewal or replacement plastics. Chargeback — An adjustment to deduct funds from a service establishment (merchant) account. Charge Card — Type of card issued by American Express, Diners Club and Carte Blanche. Bills are payable when received. C.l.D. or Card Identification — Formerly referred to as four-digit batch coding, it is the numeric code preprinted on the plastic (unembossed). This number can be used to ensure that the Card is in the Cardmember’s possession. It also facilitates detection of altered, counterfeit or white plastic cards. This number is found on all American Express Cards along the right edge of the Card just above the embossed account number. On Optima® Cards, the CID is found along the left edge just above the embossed account number. It can be verified online. Collusive Merchant — Service establishment that conspires with third parties to defraud a card issuer. Most often, no merchandise is exchanged and the fraud proceeds are delivered in cash. Counterfeit Card — A totally spurious credit or charge card produced by utilizing known counterfeiting techniques such as silk screening, photo-offset lithography and, most commonly today, digital scanners with thermal printers. This equipment may be also modified to allow for encoding, embossing and chip encoding. C.P.P. — An industry term meaning Common Point of Purchase. This determination is the result of an automated system search utilizing the compromised Cardmember Account numbers to determine where these accounts may have been copied. Further investigation must be conducted to determine if the proprietors and/or management are involved directly with the fraud group. C.V.C. (MasterCard) — The same concept as C.l.D. and C.V.V. in the MasterCard format. C.V.V. (Visa) — Card Verification Value is a three-digit number encoded in a discretionary field. It is truncated from another number and arrived at by a complex computation involving the account number, an algorithm and another variable. The end result is that this value is unique to that plastic. It serves the same function as the previously defined C.l.D., i.e., to deter counterfeit altered or white-plastic fraud. This value can be verified online when a swipe terminal is employed. Debit Card — Charges result in an immediate deduction from the cardholder’s bank account. There is no credit function. Descriptive Billing — The information relating to individual transactions is described on the Cardmember’s billing statement. Discount Rate — The percentage of each sale that the service establishment (merchant) pays the Card Issuer or the Acquiring Bank. Dual Issuer — Member bank or financial institution is of both Visa and MasterCard. Dun — A demand for payment. Electronic Data Capture — Information received from merchants for payment processing is sent electronically and settlement is accomplished by computer use. This eliminates the need for paper document submissions. Embossing — The process of printing a plastic card with raised characters. Encoder — A device that places account numbers and other alpha/numeric data in specific configurations on the magnetic stripe area of a credit card. This device may also be capable of reading data. Fraudulent Application — A card application completed with false information intended to deceive the card issuer to extend a credit account to a purported cardholder. Hologram — A laser-produced image having a three-dimensional appearance and alternating image. It is currently being used as a security device on certain bankcards to combat alteration and counterfeiting. Holographic Foil — An anti-counterfeiting deterrent featuring a multi-dimensional image that is hot stamped on the front of travelers checks. Hot Stamping — Process by which holographic foils or other similar metalized features are applied to the surface of a substrate of paper or plastic. Imprinter — A machine used by a service establishment (merchant) to impress the Record of Charge with a charge or credit card, the date of the transaction, and the service establishment number name and address. Often relevant bankcard merchant numbers appear on the same imprinter. These machines are becoming less common, due to the increase of electronic sales. Issuing Bank — Member bank or financial institution enrolling individuals for credit card accounts. Some Issuing Banks may be Acquiring Banks as well. Lithography — Photo offset reproduction utilizing a negative (photo) image burned into a light-sensitive plate. This technique produces a high-quality counterfeit product. Magnetic Stripe — Referred to as a magstripe, it appears on American Express Cards on the upper reverse side of the Card. It has the ability to hold encoded data that can be interpreted only by a compatible reader. Various information is encoded including Cardmember name and Card expiration date. Microprinting — Text that is so small it cannot currently be readily replicated by the printing equipment generally available today (low dot-per-inch capability). This anti-counterfeiting device can be used on both paper and plastic. Non-Received Card — An industry phrase relating to a card stolen from the mail flow, often unbeknownst to the Cardmember and the Issuer. Personal Identification Number (PIN) — Sometimes called Personal Identification Code (PIC), it is an alpha and/or numeric code that can be used as means of identifying the Card presenter at a magnetic stripe reading terminal. Most PINs are used with Automated (Bank) Teller Machines (ATM’s), or, in the case of American Express, with cash and Cheque dispensing machines. Point of Compromise (P.O.C.) — An industry term indicating that the further investigation of a C.P.P. (Common Point of Purchase) has disclosed that the management and/or ownership are a component of the criminal conspiracy. Point of Sale Device — A computer terminal used by a service establishment to process a charge. It is directly linked to the Credit Authorization System (CAS) or indirectly through a third-party processor. Purchase Agreement Form (PAF) — Filled out by the Travelers Cheques purchaser, it contains the purchaser’s name and address, signature, amount purchased, the serial numbers of Cheques sold, and the date of sale. Record of Charge (ROC) — Historically, this was a two or three-part slip signed by the Cardmember for payment at the point of sale. [Also called a sales draft, invoice or charge ticket]. The expanding use of Electronic Data Capture has dictated the use of other formats, such as one- or two-part electronically printed drafts. These also require a signature. These EDC invoices normally reside with the merchant as does any back-up documentation. Scanner — An “offline” risk computer program that scans transactions to search for potential fraud. Its referrals most often result in Cardmember contact to ascertain if the charges are authentic and prevent further unauthorized charge activity if they are not. Sign & Travel Account — A payment option offered by American Express to the holders of certain Card products allowing them to pay for airline and certain other packages using an extended payment schedule. Silk Screening — A printing process sometimes used in the counterfeiting of credit cards. The artwork is put on a porous screen and the ink forced through. Historically, this technology has produced a passable bankcard counterfeit. Recent changes in bankcard design have largely defeated this type of credit card counterfeiting. Skimmer — A portable electronic device capable of reading and storing data copied from true credit card magnetic stripes. Ultraviolet Ink — Ink that can be viewed only under black or ultraviolet light. Unique Embossed Character — Now used by some issuers as a counterfeit deterrent. It involves embossing a character that is usually the exclusive property of the Issuer and not readily available in the marketplace. Void Pattern — Structured lines and patterns on an original document that react to display the word VOID on replicated documents made on color copiers. Watermark — An image embedded into paper during the manufacturing process, best viewed through transparent light. Watermarks may be registered in a localized region or randomly throughout the document. White Plastic — A credit card size piece of plastic (polyvinylchloride) with or without an encodable magnetic stripe, capable of being embossed and/or encoded.

Public Information Officer