Difficulty pinpointing the source of a data breach is often to blame for the lag between perpetration and detection of fraud, said Santander Consumer USA Chief Information Security Officer Harold Gonzales at AFSA’s Vehicle Finance Conference.
“It’s not like we have a dashboard and one big red light goes off and we all chase after it,” Gonzales said. “The best analogy is a red light in a sea of red. It’s constant noise.”
SCUSA, for one, uses machine learning and artificial intelligence to identify abnormal user behavior.
Rather than relying on traditional antivirus software, “the model is shifting toward, ‘I know what looks bad, I know processes that do strange things, and that’s probably an indicator of undetected malware,’” he said.
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