211–220 of 406 posts
As someone who's previously been involved in KYC/AML I've a long held suspicion that these policies are in place to benefit the United States while deliberately inconveniencing everyone else.
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Or, like the original post said, use Tailscale, which can punch a hole through the NAT for you.
Port forwarding is easy and self-reliant compared to using a third party's free service though Not saying that's for everyone but I do feel like the default should be to click the two buttons in your router interface and third parties a fallback option or conscious choice. Probably just as quick as signing up for tailscale, if it weren't for that all routers feel like they need to reinvent a UI so it's never twice th…
Earlier quoted context omitted.
The problem with many of these examples is that 99% of the time, it is a sign of fraud, and 1% of the time it’s a false positive. > If a person's mobile phone number is associated with VoIP or Google Voice, that indicates fraud. I’ve been using this heuristic (along with VPN and IP geo lookup) when screening job candidates after a massive influx of developers outside the US applying for US-only remote roles. I discov…
> I wish there were a way to detect fraud while never having a false positive. There is: networking. People you trust will tell you about candidates they know about. > it’s also not realistic to optimize for the 1% It's not about what's realistic, it's about what's right. Nobody should be falsely treated like a criminal. That 1% should carry enough legal liability to completely offset if not exceed the gains of preve…
Wrong assumptions programmers make about fraud prevention: -- A mobile phone number uniquely identifies a single person. -- Every person has a mobile phone number and they only have one mobile phone number. -- If a person's mobile phone number is associated with VoIP or Google Voice, that indicates fraud. -- Every person always has their mobile phone handy and it is always able to receive calls and SMS messages under…
The problem with many of these examples is that 99% of the time, it is a sign of fraud, and 1% of the time it’s a false positive. > If a person's mobile phone number is associated with VoIP or Google Voice, that indicates fraud. I’ve been using this heuristic (along with VPN and IP geo lookup) when screening job candidates after a massive influx of developers outside the US applying for US-only remote roles. I discov…
As someone who's previously been involved in KYC/AML I've a long held suspicion that these policies are in place to benefit the United States while deliberately inconveniencing everyone else.
That's exactly what they are for. KYC/AML is just the financial arm of their total global surveillance program.
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Interesting. I was considering opening a second account specifically as a backup card and hedge against lockouts while travelling, and Schwab was high on my list, but it sounds like based on your experience that they are not fit for purpose.
The way it was explained to me is that this (a glorfied Excel sheet of transfers that get executed at a certain hour of each day) is just how intra-bank securities transfers work and that I mostly got unlucky that (1) the intended recipient was at Schwab (2) whoever was doing these transfers has dyslexia and my account was a number transpose off. For the most part, their customer support has been excellent. I had an…
Wrong assumptions programmers make about fraud prevention: -- A mobile phone number uniquely identifies a single person. -- Every person has a mobile phone number and they only have one mobile phone number. -- If a person's mobile phone number is associated with VoIP or Google Voice, that indicates fraud. -- Every person always has their mobile phone handy and it is always able to receive calls and SMS messages under…
I'll add another to that list: -- People will never have a physical mailing address that contains "funny" numbers like "000", "420", "69420", or "80085".
This sort of thing is where I hope Bitcoin can help more people.
> This sort of thing is where I hope Bitcoin can help more people. It is a use for a Bitcoin like system (The transaction costs, planet destroying character, and slow speed probably not Bitcoin) It is the intersection of money laundering and normal requirements Stopping crime by stopping money laundering will always have these problems, surely? Is there a way to inhibit CC fraud, and money laundering without making l…
I believe so. The optimal amount of fraud is non-zero.
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Can't you open an account with Revolut?
Trust me, I'm taking notes! I've tried researching this, but "credit card company that sends TOTP over email" is not really Google-able. Revolut is on my list now, though. Thanks!
Looks like Amex US is similar: https://www.americanexpress.com/us/security-center/safekey/
Wrong assumptions programmers make about fraud prevention: -- A mobile phone number uniquely identifies a single person. -- Every person has a mobile phone number and they only have one mobile phone number. -- If a person's mobile phone number is associated with VoIP or Google Voice, that indicates fraud. -- Every person always has their mobile phone handy and it is always able to receive calls and SMS messages under…
I'll add another to that list: -- People will never have a physical mailing address that contains "funny" numbers like "000", "420", "69420", or "80085".