Which is used by unauthorized insurance entities to give the appearance of legitimacy?
Identifying Fraud Early is ParamountFraud Detection & Early WarningCiti's Fraud Early Warning systems review your accounts for fraudulent activity, free of charge. You can help protect yourself from fraud by familiarizing yourself with the many ways in which fraud can appear on your account, email, phone, or your computer. Show
As a Citi Commercial cardholder, you can be assured that we are constantly trying to improve ways to help safeguard and protect you and your account. Through monitoring of our customers' accounts using sophisticated technology, we often detect fraud or unauthorized use before you are even aware of it. If we notice suspicious activity on your card, we may contact you by phone, text or email* to confirm you have authorized that purchase. *Note that we will never ask you to provide confidential information through text or email. CitiManager® via Webpage and Mobile App – An Overview of Security FeaturesWhen you access CitiManager via the webpage or via the mobile app current security technologies are used to help keep your information safe: 256Bit SSL Encryption When you access your accounts and perform activities on CitiManager, your information is protected by 256-bit SSL encryption. Encryption is technology that secures information transmitted over the internet by scrambling it so that it's unreadable without a secret key or password to "decrypt" it. It helps ensure that hackers or other third parties can't intercept data while it's en route. Extended Validation (EV) SSL Certificate The green address bar and padlock on the CitiManager webpage is a security feature supported by newer browsers that allows you to visually validate that the site you are transacting with has undergone an extensive outside security audit. Additional Authentication When you perform sensitive or high risk online transactions, or if our controls determine that your login attempt may be unauthorized, Citi will send you a one-time-use passcode to verify your identity. Date/ and Time Stamp Every time you sign-in to CitiManager, we display the date and time of your last visit and the device used to sign-in. If you didn't sign-in then, you'll know there has been unauthorized account access. Session Timeouts If you're signed in and not using CitiManager for several minutes, your session will "time out." To resume your activity, you'll need to log in again. Automatic Notifications Citi will automatically send an email or SMS confirmation for many activities conducted via CitiManager – especially if they are risky. As an important account monitoring tool, these notifications allow a timely response for customers who did not make a change, and provide peace of mind for those who did initiate the change themselves. Fraud Protection If Citi determines that your login credentials have been compromised, your online and mobile access may be automatically blocked, reducing the likelihood of an unauthorized person accessing your information. Citi then sends you a notification with a prompt to reset your password to safely regain access. Accessing CitiManager from your mobile device Citi uses a variety of features to protect your information while you are accessing the CitiManager App from your mobile device: User ID and Passcode You sign-in to the CitiManager Mobile® App with the same User ID and Password you use to access your accounts on the CitiManager webpage. Biometrics – using your face or fingerprint instead of your User ID and Password. User ID and PasswordAccount InformationThe CitiManager Mobile® App doesn't store personal account information on mobile devices, so your accounts are not exposed if your phone is lost or stolen. Additional AuthenticationWhen you perform sensitive or high risk online transactions, or if our controls determine that your login attempt may be unauthorized, Citi may send you a one-time-use passcode to verify your identity. Biometric LoginYou have the flexibility to sign-in to your CitiManager Mobile® App using your fingerprint for fast, convenient access. Customers with devices that support facial recognition also have the option of signing in using this feature. Whichever method you choose – password, fingerprint, or facial recognition – your account information is still subject to the 256-bit encryption. Fraud ProtectionIf Citi determines that your login credentials have been compromised, your online and mobile access may be automatically blocked, reducing the likelihood of an unauthorized person accessing your information. Citi then sends you a notification with a prompt to reset your password to safely regain access. Recommendations to Keep Your Account Safe:Make account check-ins a habit.Nobody knows your accounts better than you. That's why monitoring your account activity is one of the best ways to help protect yourself against fraud. If you notice anything unusual, you can raise a transaction dispute online in CitiManager by selecting the transaction and clicking “Dispute.” Additionally, you can also contact service using the number on the back of your card or this link: https://www.citibank.com/tts/solutions/commercial-cards/contact/ Review your account informationSign on at least once a week and review your account information. If you notice any changes to your account that you didn't make, contact us immediately. It's important to let us know when your email address or phone number has changed. You can view and update the information we have on file for you by signing into your account on CitiManager. Look over your transactionsReview your card unbilled transactions regularly to make sure these only reflect transactions you have made. If you spot a problem, raise a dispute in CitiManager or contact us immediately. Set up Account AlertsGet alerts delivered to your mobile phone so you can stay updated on your account activity. Set up Account Alerts Spoof Emails – What are they and how to spot themSeveral signs can help you determine if an email is legitimate or a spoof. Learn how to recognize and protect yourself from fraudulent emails.
Smishing – What is it?Before you respond to any text message, learn how to distinguish a genuine text from a "SMiShing" message that may have been sent by a scam artist.
Vishing – What is it?
Visit www.onguardonline.gov to get additional security tips What is an unauthorized entity?Unauthorized entities are those insurers who are nonadmitted, meaning they have not been approved or authorized to sell insurance in the state. Unfortunately, many times, producers really don't know if the insurer he is representing is authorized by the state or not.
How are unauthorized insurers identified in Florida?To check licensing/registration status you can call the the OFR at 1-850-487-9687 or use their online search. Always go to https://companysearch.myfloridacfo.gov to search for insurance companies authorized to do business in Florida.
What is an unauthorized ensure?An unauthorized insurer is an insurance company that is operating without the permission or oversight of its state insurance regulator. Operating an unauthorized insurer is illegal, and can result in legal or financial penalties.
What is a unauthorized insurer?Unauthorized Insurer — an insurer not licensed to write business in a particular state.
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