It's a constant race against the fraudsters out there. We're creating solutions and they're figuring out how to break the system. It will continue to be a constant race. But we're getting better at it.

There are so many ways of using identity information. If you're the perpetrator you can skate around the alert.

The bad guy is the one doing the crime, not the company that has the information stolen.

Personal information gets into the public domain very quickly. We get nearly instant credit applications.

The fraudster is looking to try to change the information enough so that whoever is looking at it from the surface will see it as something different, but the authentication process will match it as something already existing.

Our parents didn't have to do that.

In many cases they didn't have to provide a signature. Now we're being asked to provide more and more.