ATMIA Conference

ATM Security & Business Issues Dalhousie Castle Alan Townsend New Scotland Yard

Beginning, Middle & End

Statistics & scale of the problem

Key issues & drivers

The future & UK reduction strategies

100

200

300

400

500

19 91 92 93 94 95 96 97 98 99 00 01 02 03 20 04 19 19 19 19 19 19 19 19 20 20 20 20
100 150 200

Banks

50

19 91 92 93 94 95 96 97 98 99 00 01 02 03 04 19 19 19 19 19 19 19 19 20 20 20 20 20

100 0
91 19 19 19 19 19 19 19 19 20 20 20 20 20 92 93 94 95 96 97 98 99 00 01 02 03 04

200

300

400

500

600

Traditional Robbery Targets

Post Office

19

Building Societies

Growth of ATMs in UK

1992 2000 2002 2003 2004

18650 29300 41438 47112 53990

Market Share
2002 Branch - 19067 Remote - 11798 IADs - 5895 2002 - 51.8% - 32.0% - 16.0% 2003 19165 12880 12263 2003 43.2% 29.0% 27.6% 2004 19146 13745 21099 2004 35.4% 25.4% 39.0%

Branch Remote IADs

Joint ATM Crime Statistics

400 350 300 250 200 150 100 50 0
2001 2002 2003 2004

Cash in Transit Banks IAD's

IAD ATM Crime Statistics

2001
60 50 40 30 20 10 0 Jan Feb Mar Apr May Jun Jul Aug Sep Oct Nov Dec

2002

2003

2004

2005

Joint ATM Crime Type

Burglary Ram Raid Robbery

2002 29% 24% 47%

2003 45% 13% 42%

2004 50% 16% 34%

Joint ATM Crime Location

Incidents by Location
Leis ure Facility 25.1% Other 1.6%

Other Non Branch 0.5% Other Retail 9.2%

Convenience s tore 22.1%

Petrol Station 21.4%

Branch 5.1%

Trans port Term inal 2.5% Superm arket 5.5% Pos t Office 6.9%

ATM Losses

Banks IADs Building Societies Cash in Transit

2004 0.71m 1.90m 0.10m 7.10m

Key Issues & Drivers

Reduced risks for traditional targets Scale of growth of ATMs Growth in deployments & variety of locations Proportionately faster growth of crime risks & security issues Significantly increased losses Where will Chip & PIN displace crime

Criminal Business Plan

Least amount of effort in planning & execution Lowest level of pre-event expenditure

Tools of the Trade

Criminal Business Plan

Least amount of effort in planning & execution Lowest level of pre-event expenditure Lowest risk of arrest & sentence Maximum level of profit

ATM CRIME

Additional Costs

Bad Publicity

Personal Safety

Prevention Tool Box

Risk assessments Staff training Design Staff numbers Visibility Safety procedures Alarm systems Personal alarms Alarm monitoring CCTV Siting Access Control Locks & Safes Bollards Anchoring Locking bars Cash degradation Communication

The Insurers Dream

What Does the Future Hold

60000 ATMs by December 2005 ATMs in BT telephone kiosks

Future ATM Sites

What Does the Future Hold

60000 ATMs by December 2005 ATMs in BT telephone kiosks

Multi-functional ATM kiosks ATMs in second choice locations IADs running FI estates

Current Initiatives
ATM Security Working Group APACS On-Line & ATM Crime Group GASA Cognito & Best Practice Guidelines Op. ARTIC / Op. BANDSAW 2 / Op. FEDERAL ATM Deployers Police Liaison Group

Some Good News

Convenience Store Magazine March & April

Conclusions
Cash will always be the criminal target Traditional targets are less vulnerable Exponential rise in ATM deployment What effect will Chip & PIN have? Partnership is the way forward Joint action is the key to reduction Strategic planning is essential to deal with future ATM crime risks

ATMIA Conference
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