The Coun­ty is com­mit­ted to detect­ing sit­u­a­tions in which iden­ti­ty theft might have or may have occurred.

A “Red Flag” is a pat­tern, prac­tice or spe­cif­ic activ­i­ty that indi­cates the pos­si­ble exis­tence of Iden­ti­ty Theft.  In order to iden­ti­fy rel­e­vant Red Flags, the Coun­ty con­sid­ered risk fac­tors such as the types of accounts that it offers and main­tains, the meth­ods it pro­vides to open its accounts, the meth­ods it pro­vides to access its accounts and its pre­vi­ous expe­ri­ences with Iden­ti­ty Theft.

Iden­ti­ty Theft will be com­bat­ed by detect­ing Red Flags in con­nec­tion with the open­ing of cov­ered accounts and exist­ing cov­ered accounts, such as by:

(A) Obtain­ing iden­ti­fy­ing infor­ma­tion about, and ver­i­fy­ing the iden­ti­ty of, a per­son open­ing a cov­ered account.

(B) Authen­ti­cat­ing cus­tomers’ trans­ac­tions, includ­ing pho­to ID if nec­es­sary, plus pos­si­ble addi­tion­al ver­i­fi­ca­tion meth­ods such as a user ID and password.

(C) Mon­i­tor­ing trans­ac­tions with empha­sis on a change of address close­ly fol­lowed by a new ser­vice request or a mate­r­i­al change in a customer’s cred­it use.

(D) Ver­i­fy­ing the valid­i­ty of change of address requests, in the case of exist­ing cov­ered accounts in order to mon­i­tor the diver­sion of state­ments as a pre­lude to pos­si­ble account manipulation.