Dear Dad, You Always Told Me That

Every Case Involving Cybercrime That I've Been Involved In, I've Never Found A Master Criminal Sitting Somewhere In Russia Or Hong Kong Or Beijing. It Always Ends Up That Somebody At The Company Did Something They Weren't Supposed To Do. They Read An Email, Went To A Website They Weren't Supposed To.

I Don't Use A Debit Card. The Safest Thing Is A Credit Card Because You're Using The Bank's Money. If Someone Accesses Your Information, They Are Stealing The Bank's Money, Not Yours.

I Always Tell People What I Did 50 Years Ago As A Teenager Is Now 4,000 Times Easier To Do Today Than When I Did It. Technology Breeds Crime - It Always Has And It Always Will. There's Always Going To Be People Willing To Use Technology In A Negative, Self-serving Way. So Today It's Much Easier, Whether It's Forging Checks Or Getting Information. People Go On Facebook And Tell You What Car They Drive, Their Mother's Name, Where You Are Going On Vacation, Where You've Been On Vacation. There's Nothing You Can't Research In A Matter Of A Couple Of Minutes And Find Out About Someone.

In The Old Days, A Con Man Would Be Good Looking, Suave, Well Dressed, Well Spoken And Presented Themselves Real Well. Those Days Are Gone Because It's Not Necessary. The People Committing These Crimes Are Doing Them From Hundreds Of Miles Away.

Banks Are So Protected From Liability They Would Have To Really Do Something That Was Their Mistake In Order For Them To Be Liable For It. Banks Don't Look At Signatures. They're Processing Millions Of Checks And They Have Very Little Liability.