DB2 Entity Analytic Solutions

© 2005 IBM Corporation

DB2 Entity Analytic Solutions

Answering the Question “Who is Who?” “Who Knows Who?” and “Who Knows Who Anonymously?”

Darren BaldwinWorld Wide Manager Entity Analytics

How do we shorten the distance between detect and preempt?

2 © 2003 IBM Corporation on demand operating environment

2003 IBM Analyst Briefing

IIID theft loss = $221 billion

Growing at 300%($2 Trillion by EOY 05)

Aberdeen Group

Inability to uniquely identify clients is the leading cause for failure of CRM applications. Oddly

enough, almost the same information and analysis is needed for AML and CRM – Name,

Address, structure and names of family members and business relationships…

Gartner Group, BCS Banking Analytics Paper

Money Laundering = $600 billion to $1.8 trillion of the world's annual economic activity

Gannett News Service

Criminal’s are using “Front” Business and “Ghost” Employees to

appear normal- IBM BCS

42% of all ID theft is credit card fraud

MasterCard International

25% of Americans say it’s okay to defraud insurers

Accenture

Collusion between employeesand 3rd parties accounts for 48% percent of all fraudulent activities.

American Banker

Financial Services Companies have some BIG issues!

Information Management

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What Does the Entity Analytic Solutions Family Do?

1. Disambiguate and aggregate Identities

2. Relate Disambiguated Identities, reveal obvious and non-obvious relationships, generate real-time alerts.

3. “Anonymyze” all identities to protect privacy.

= =

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!

!!



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EAS’s Powerful Identity Recognition Platform



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Some of our Clients

Ultimate Who’s Who and Who Knows Who Systems

Subject based Analysis – Many Degrees

Know Your Customer ComplianceAnd Customer Disambiguation

100’s of systems and 100 Million Records

Employee, Vendor and Customer Relationship & Collusion Detection

Actual picture of one of our Customers

Complaint Department!


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When You Don’t Know “Who is Who?”, You Don’t Have a Complete Picture of an Individual!

Mark Smith11 Burmuda RdHudson MA 01510Tel#978-368-5312SSN# 027-70-3732EIN#097376156DOB 01/03/64

Identity Resolution detects and identifies a single person from multiple sources even if the data is insufficient, incorrect or

fraudulent

Randy Smith11 BurrmudaHudson MA 01510TEL#978-368-6423LIC#1702188364EIN#097376156DOB 01/03/65

Mark Randall Smith101 First St, APT 3689Little Rock, AR 72202Tel#501-654-5404Cell#978-368-3555LIC#027703732DOB 01/03/64

Profile 4 Profile 3Profile 2 Profile 1

Mark R Smith

10 BermudaHutson MA 01510Tel#978-368-5312 Cell#978-368-3555LIC#1702188346 PPN# 086588345


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Master Consolidated

Unique Entity ID/Unique person Identifier

Step 1Name Standardization

Step 2Address Standardization

Step 3Data Quality

Step 4DataEnhancement

Entity Resolution

Enterprise Entity ID Resolution

Consolidates Multiple Systems Entity/ID’s

Generates Unique Entity ID

Full Data Attribution Retention & Resolution

Enterprise Entity Analytics

Continuous, real-time, validation and correction of ingested data

Data

Silo 1

NAMES

Mark SmithMark R SmithRandall SmithMark Randy Smith

ADDRESSES

11 BermudaHudson, MA 02334

10 Burmuda St.Hutson, MA 01512

P.O. Box 12743Clinton, MA 01510

ADDITIONAL

DOB: 12/13/71Phone:(508)278-6019

(978)365-6631(501)661-8044

Work: Zycast Int.SilverbackKinear

Entity #14465

PII = Personally Identifiable Information

Data

Silo 2

Data

Silo 3

IBM Software Group | DB2 Information Management Software

8IBM Confidential

Name– Last name– First name– Middle name– Other name parts– Generation– Organization name– Aliases– Gender

Location– Address 1– Address 2– Address 3– City– State/province– Postal code– Country– Latitude/longitude

Identifiers– Driver’s license– Grantors– Beneficiaries– References– Emergency contacts

– Account Number – Person ID– Tax ID– Business ID– Phone– Email address… user defined

Attributes– Acct Number Interactions– Date of birth– Circa date of birth– Nationality– Place of birth– Height– Weight– Eye color– Hair color– Dependents– … user defined

Identity Resolution – Example Data Points

Douglas Bonanno

Update a bit

IBM Software Group | DB2 Information Management Software

9IBM Confidential

The EAS Identity Repository – Identity Folder

Names Marc R Smith A-#70001

Randal Smith B-#009102

Mark Randy Smith

C-#6251

Address 123 Main St. A-#70001

456 First Street C-#6251

Phones (713) 730-5769 A-#70001

(713) 731-5577 B-#009102

(713) 731-5577 C-#6251

SSN 537-27-6402 A-#70001

DL 0001133107 A-#70001

1133107 C-#6251

DOB 06/17/1974 B-#009103

Mark SmithEntity #144465

Entity #144465

Mark R Smith

Randall Smith

Mark Randy Smith

Mark Smith


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Introducing, Relationship Resolution

Identity Deltas and Contagious Data Association

Degrees of separation for Investigation

Identify Relationships between Entities


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Relationship Resolution

AddressHygiene

Data Quality

DataEnhancement

NameStandardization

IdentityResolution

NAMES

Jack SmithJack BlackJack B NimberJack B QuickJack Rabbitt

ADDRESSES

P.O. Box 1227Denver, CO 80112

415 Lancaster St Worcester, MA 01609

ADDITIONAL

DOB: 07/03/69Phone:(303)778-1210

(508)278-6019Work: U.S. Air ForceWife: Kendra Clark

Step 6: Knowing “Who Knows Who?” Extends Identities Beyond 360°

Identifies links and identity relationships

Enables powerful case management & analytics

Built on Entity Analytics platform

NAMES

Katherine D. GreenKate Mills-GreenKatie GreenKate MillsKate GreenKate M. Green

ADDRESSES

4737 Cimarron Dr.Easton, MA 02334

1 Bourne St.Bolton, MA 01512

P.O. Box 12743Clinton, MA 01510

ADDITIONAL

DOB: 12/13/71Phone:(508)278-6019

(978)365-6631(501)661-8044

Work: Zycast Int.SilverbackKinear

Step 1Name Standardization

Step 2Address Standardization

Step 3Data Quality

Step 4DataEnhancement

Entity Resolution


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Relationship Resolution and File Folders

Kate JonesEntity #144465

Account: 200898

Phone1: (978) 365-5312

Addr1: 123 Main St.

Addr2: 456 First Street

Grantor: Joe Albert

Kate Green

Phone: (614) 507-5312

Account: 200898

Addr: 984 Mango

Tom Jones

Addr: 123 Main St.

Phone: (978) 365-5312

Joe Albert

Addr: 456 First Street

Phone: (714) 721-4848Fraud File, OFAC, Bad List &

Unauthorized Use Data


13


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AddressHygiene

Data Quality

DataEnhancement

NameStandardization

IdentityResolution

OFAC Heat

Lists

World Check

Relationship Resolution

Business Directory

Lists of Interest

PEP’s

Relationship Resolution Pipeline Process Association Lists &

Enterprise Interactions

Relationships

Customer Database



II

| IBM Software Group | DB2 Information Management Software

IBM Confidential

IBM Entity Analytics: Banking Example

WHO KNOWS WHO?WHO IS WHO?

Checking

Mrs. Kate Greene1 Bourne StClinton MA 01510Tel#978-365-5312DOB 07/08/64LIC#1702188364

Wire

Transfers

Banking

Mrs. Kathleen Greenwood10 Sycamor StClifton MA 01510

Tel#614-389-6412 LIC#7102188364

Credit

Card

Ms. Cat Greenspan

1067 6th AveClinton MA 01510TEL#614-389-6412

LIC#170UYRE-8364

DOB 07/09/66

Savings

Banking

Ms. Kathy Greenwall

1 Wallace AveClinton MA 01510Cell#788-365-4431

LIC#170UYRE-8364DOB 07/09/63

?

?

?

?

Branch Manager

Mr. Earl Easygoing

3458 Waggoner RdClinton MA 01510Cell#788-365-4431

LIC#ATB8576-873DOB 07/09/78

Recently Added:

Suspected Fraudster

Mrs. Linda Sweetheart

1067 6th Ave

Clinton, MA 01510

Tel: 376-557-5050

LIC#ATB8576-873Incedent happened: 07/09/04

EnterpriseMulti-Channel

Trust Verification

EmployeeCollusion

Branch Phone Logs (07/09/04)

978-365-6631

614-876-8456

376-557-5050

949-657-8128

513-876-2853

217-314-2127

Fraud Networks



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Have Dinner atGreat Restaurant

Transactions

$$$$

However, No one knew that theWaiter used a “Skimmer” to stealTheir credit card information

$$$ $$$ $$$ $$$ $$$

He spent a lot with their Credit Cards……

FDIC Member

Bank



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$$$$$$

$$$

$$$

$$$

Have Dinner atGreat Restaurant

Transactions

$$$$

However, No one knew that theWaiter used a “Skimmer” to stealTheir credit card information

He spent a lot with their Credit Cards……

WHERE DID THESE CHARGES COME FROM?!?!?!?!

Excellent question lets find out!!!

FDIC Member

Bank



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$$$$$$

$$$

$$$

$$$

Excellent question lets find out!!!

Fraudulent Merchant Co-location

Join

t Inv

estig

atio

n

Same Waiter

FDIC Member

Bank


19

Introducing, Anonymous Resolution

Original/Clear-Text data remains with owner

Protect individuals PII*

Share data safely from enterprise-to-enterprise

*PII - Personally Identifiable Information


20

Anonymous Resolution Determines “Who is Who & Who Knows Who… Anonymously”

DB2 Anonymous Resolution allows multiple parties to safely and securely share & compare “anonymized” information assets.

Kate Green1 Bourne StClinton Mass, 01510VIN# 585789543Frequent Flyer: 5678965Tel: 501-247-6645PPN: 995027890

Tom Sinclair4909 Battery LaneBethesda MD 20814Acct# 97836553122Acct# 00303450009Tel# 501-603-0882Frequent Flyer: 5678965

tr5y9hU000kdG563ksHjd55603jd98hj4jkf9jt0089gehyud98kkdh00Hydk8880h332jd78001xug00y8880236jslhdu00012g6743kd85hf06h7x084hdf75jc4539fhd89

hd745jf94djd859600dm hdi5667390dj00dsjk00dHji556309hs5392hhs8sK0094gsu5hi94kkd0d0f0084hhdsutqapd9023kjheuia11127s9sndk00dixug00y8880236jslhdu0

hd745jf94djd859600 dmhdi5667390dj00dsj k00dHji556309hs539 2hhs8sK0094gsu5hi 94kkd0d0f0084hhds utqapd9023kjheuia1 1127s9sndk00di xUg00y8880236jslhdu0dmhdi5667390dj00dsj k00dHji556309hs539 2hhs8sK0094gsu5hiaasdasdfa1231LKJSDF//asdflkj

tr5y9hU000kd G563ksHjd55603j d98hj4jkf9jt0089ge hyud98kkdh00Hydk8 880h332jd78001xug 00y8880236jslhdu000 12g6743kd85hf06h7x08 4hdf75jc4539fhd89/SDF G563ksHjd55603d98ghhj4jkf9jt0089geasdf//SKJDkljasdlkjasdkljaf’231254sDDSDFLJK1asd21as3df32


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The One-Way Hash

Result: An irreversible digital code(Not encryption)

Use: Fundamental building block used in modern cryptography

INPUT VALUE

One-Way Hash Value (MD-5)

cbd034409c22929518fa494f99dc9964

OUTPUT VALUEOne-Way

Hash Function

(e.g., MD-5 or SHA-1)

Mark Smith


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The One-Way Hash – Infinitely SensitiveINPUT VALUE

One-Way Hash

Function

One-Way Hash

Function


56429da8c660e5b1f35e2b2f8ad27c91


cbd034409c22929518fa494f99dc9964

OUTPUT VALUE

Mark Smith

Mark R Smith


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A-100031 First Name Original cbd034409c22929518fa494f99dc9964

A-100031 First Name Standardized 9269bb3bc60366245144cbd5e960cfd8

A-100031 Last Name Original b835b521c29f399c78124c4b59341691

A-100031 Date of Birth Original 799709b2e5f26f796078fd815bebf724

A-100031 Date of Birth Swapped mm/dd 40ddba83c22acc2acaddff12c66d7adf

A-100031 Date of Birth Circa DOB e4310b75f2fa9595f8154411924b19b1

What’s in this Database?

No Identity Data is in the Clear, Nothing is discarded


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Data Source Anonymization

Output

Anonymizer

Bank ASuspects

Bank B Suspects

Output Output

Bank CSuspects

Anonymizer


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Anonymized Output processed by the Resolver

Anonymous Resolution

Ingest

Output

ALERTS

Real-time

Output Output

Bank A, B and Care all suspicious of the same guy!

®


© 2005 IBM Corporation

IBM Software Group

DB2 Entity Analytic SolutionsSolution Portfolio Overview

Thoughts?

Darren BaldwinManager, WW Sales Entity Analytics

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