ShareShareSharePrintMailGooglePinterestDiggRedditStumbleuponDeliciousBufferTumblr continue reading » Perhaps the most practical, cost-effective way to fight fraud is a good training program. “At the end of the day,” notes Chris Guard, VP/compliance and fraud at $40 billion North Carolina State Employees’ Credit Union, Raleigh, “most fraud is not a result of sophisticated technology but human error.” The human element remains the weakest link, and educating staff is critical. “Attacks occur simultaneously across multiple channels,” he explains, so the contact center, the tellers and the new accounts people all have to be alert to what’s happening across all these channels.”“No product can replace a vigilant credit union employee,” says John Buzzard, previously principal of the counterfeit ATM fraud operation at FICO and now industry fraud specialist at CUES Supplier member CO-OP Financial Services, Rancho Cucamonga, California. “The fraudsters may have a lot of data needed to fool machines, but an alert person can throw them off just by changing the routine a bit and asking good questions. I attended a conference once,” he recalls, “where the primary speaker was a convicted (and recently paroled) cyber thief. When someone in the audience asked him which corporate target was the toughest to penetrate, he replied, ‘That would be American Express, because they allow their employees to think outside the box by asking unusual questions. Many of them would simply place me on hold and call the actual cardholder directly, thwarting my best efforts with a single phone call.’ Sometimes the simplest action has the most powerful results.”
Regional economic inequality in Croatia is visible, among other things, in the labor market, they point out from the Croatian Chamber of Commerce, based on the analysis of the labor market by counties.The Central Bureau of Statistics (CBS) publishes the registered unemployment rate by counties (due to limited data on the number of employees) only once a year on 31 March. Although this situation is at the beginning of the pre-season when unemployment rates are higher, especially in coastal counties, these data can be used in comparing counties and the dynamics of change in this month compared to the same month in previous years. They show that the registered unemployment rate has a high range among counties.The analysis of available official statistics shows a large difference in unemployment rates between counties – the range from the minimum (City of Zagreb) to the maximum (Virovitica-Podravina County) rate in 2016 was 24,5 percentage points. In all counties, the unemployment rate has been falling for the last two years, and in Krapina-Zagorje, Karlovac, Varaždin and Zadar for the last three years.At the same time, the decline in the rate in all counties was influenced by a larger decline in the number of unemployed, associated with demographic and emigrant trends. At the same time, in none of the counties did the number of employees or pension insured persons increase compared to 2008. At the same time, the counties of Adriatic Croatia came closer to the levels from 2008 than Continental Croatia, mostly Lika-Senj and Zadar. Due to the uneven dynamics in the sphere of unemployment and employment, in all counties in 2016 a smaller number of persons in employment was recorded compared to 2008 (the smallest decrease was recorded in the City of Zagreb, and the largest in Koprivnica-Križevci County). At the same time, only two counties of Continental Croatia (Varaždin and Karlovac) and only one county of Adriatic Croatia (Zadar) in 2016 achieved lower unemployment rates than before the crisis.Side dish: Labor market – indicators by counties Related news: FINALLY FOUND SOLUTION AGAINST LACK OF LABOR IN TOURISM<br />
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The result is a sixth win in 11 league games for 10th-placed Stoke, while Hull’s recent unbeaten run has been halted at three games. Having failed to build on their draw at Manchester City and subsequent back-to-back wins over Aston Villa and QPR, Steve Bruce’s Tigers – without injured top-scorer Nikica Jelavic – remain 15th, four points clear of the relegation zone. Despite both being in good form of late, the two sides conjured a thoroughly disappointing first half between them. Stoke midfielder Stephen Ireland had a shot blocked by Alex Bruce in the third minute, and Steven Nzonzi then dragged a low effort well wide as the hosts looked to try to impose themselves. When Ireland and Jonathan Walters got in each other’s way as they both tried to tee up a shot from the edge of the area in the 18th minute, it summed up the quality on show. Soon after, Hull made their first real foray forward as Sone Aluko outfoxed Philipp Wollscheid with ease, got into the box and prodded the ball wide of the far post from a tight angle. Ireland escaped punishment for a rash-looking challenge on David Meyler, and moments later Erik Pieters was booked by referee Neil Swarbrick for a challenge on Gaston Ramirez that appeared nowhere near as bad. Just after the half-hour mark a glancing Walters header was cleared behind for a Stoke corner, and when it was delivered, t he ball came to Phil Bardsley, who hit the deck under the attentions of Aluko and Jake Livermore as he tried to shoot. Despite shouts for a penalty from the stands, play was allowed to continue and Ireland ended up looping a shot to McGregor. Crouch made an instant impact after being thrown on by Potters boss Mark Hughes with 20 minutes to go as the striker rose in the box to meet a fine delivery from fellow substitute Charlie Adam and send a header over Allan McGregor into the net for his ninth goal of the season and fourth in four appearances in all competitions. Adam – following his introduction at half time – had already been doing his best to liven up what had been a poor Barclays Premier League contest prior to the break, going close to breaking the deadlock in the 58th minute with a free-kick that whistled narrowly wide. Peter Crouch scored the winner a minute after coming off the bench as Stoke defeated Hull 1-0 at the Britannia Stadium. Press Association A firm Maynor Figueroa tackle then left Ireland limping but prompted no action from Swarbrick, who was increasingly drawing the ire of Stoke’s fans and Hughes – something that stepped up a notch when he subsequently yellow-carded Victor Moses following the winger’s innocuous-looking collision with Tom Huddlestone. Ireland was substituted at the interval, with Adam coming on in his place, and Swarbrick soon had his yellow card out again, booking Meyler for felling Bardsley. The resulting free-kick from Adam was punched away by McGregor, and soon after the midfielder drove forward and lashed a shot wide. Adam continued to make a considerable impact as he curled another free-kick inches off-target. And he then helped Crouch – on for Mame Biram Diouf – to swiftly make a mark as well, lofting a delightful ball forward for the tall frontman, who guided it expertly into the net. Hull had brought on strikers Dame N’Doye, scorer of two goals in his last two games, and Abel Hernandez, but they could not change the course of the contest. A late chance fell to Paul McShane in the Stoke area, but his shot was well intercepted by Marc Wilson.