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Create and use blacklists, whitelists and greylists

Type of countermeasure

This is a prevention countermeasure. Prevention countermeasures are the most common and cost effective way to stop fraud. They prevent or limit the size of the fraud risk by reducing the likelihood and consequences of fraud.

Summary

Create lists to quickly compare information to automate or require further actions. For example:

  • A blacklist automatically blocks anything included on the list.
  • A whitelist automatically blocks anything not included on the list. This is the opposite of a blacklist.  
  • A greylisting temporary blocks or places limits on anything included on the list until an additional step is performed, such as a manual check.

Why this countermeasure matters

Not using blacklists, whitelists or greylists can lead to:

  • fraudsters operating across different government programs without detection
  • fraudsters moving from one government program to another without detection
  • fraudsters reusing methods such as compromised identities to access accounts
  • fraudsters using the same bank account to hijack multiple payments.

How to put this countermeasure in place

Some ways to implement this countermeasure include:

  • blacklisting suspect bank accounts so they cannot be used for a client, provider or vendor
  • making greylisted providers go through additional suitability checks before being registered
  • requiring someone to choose from only an approved list of providers or vendors (white listing).

How to measure this countermeasure's effectiveness

Measure the effectiveness of this countermeasure by using the following methods:

  • Conduct pressure testing to confirm that the list works as intended.
  • Consult subject matter experts about the lists.
  • Review policies or other documentation related to the lists.
  • Conduct a process walk through to observe how the lists work.
  • Review reports to see how many blocks are reported and how often.
  • Confirm the lists are 'always on' and automatically applied.
  • Confirm that the systems/processes underlying the lists are adequate and reliable.
  • Confirm that attempts to use blacklisted information is flagged and reviewed.
  • Confirm that blacklisted information is not widely known or accessible.
  • Confirm that someone cannot manipulate the lists even when pressure or coercion is applied.
  • Confirm that access to the lists is monitored and reviewed.
  • Confirm that the lists are kept up-to-date.

Related countermeasures

This type of countermeasure is supported by:

Collaborate with strategic partners such as other government entities, committees, working groups and taskforces. This allows you to share capability, information and intelligence and to prevent and disrupt fraud.

Develop clear instructions and guidance for activities and processes, such as instructions for collecting the right information to verify eligibility or entitlements, procedures to help staff apply consistent and correct processes and guidance to help staff make correct and ethical decisions.

Make sure to confirm the identity (an attribute or set of attributes that uniquely describe a subject within a given context) of the person making the request or claim using evidence.

Set up system prompts and alerts to warn users when information is inconsistent or irregular, which either requires acceptance or denies further actions.

Escalate non-standard requests or claims for further review or scrutiny. Non-standard requests or claims might include those that are late, do not meet normal conditions, include evidence that is difficult to verify (such as from overseas) or are for amounts that are higher than normal.

Automatically match data with another internal or external source to obtain or verify relevant details or supporting evidence. This countermeasure is supported by the Office of the Australian Information Commissioner's Guidelines on data matching in Australian government administration.

Conduct system testing to identify vulnerabilities prior to release. Untested systems can allow vulnerabilities to be released into production environments.

Establish exception reports to identify activities that are different from the standard, normal, or expected process and should be further investigated.

Coordinate disruption activities across multiple programs or entities to strengthen processes and identify serious and organised criminals targeting multiple programs.

Related Fraudster Personas

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