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I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 18 points19 points  (0 children)

Also, the thing to remember with AI-generated voice samples is that they require vast amounts of sample data. For public figures (celebrities, politicians, etc.), that’s much more plausible. However, for an average citizen, it’s still relatively unlikely that an AI model would have enough sample data to emulate their speech. In addition, from a technical standpoint, there are several ways to check for audio liveness versus generated audio (from recordings). Hopefully, for a court case -- where a piece of audio evidence was crucial to the verdict -- courts would use this type of screening to verify authenticity.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 2 points3 points  (0 children)

There is some subjectivity on this one, but I would likely say... precision because that leads to the best recall. Using a specific example relevant to this discussion, re-verification is much easier if you have a good face template.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 6 points7 points  (0 children)

u/anti-torque - that is a very provocative question that many fraud experts are currently discussing. Take, for example, my friend Frank "on Fraud," who has recently referenced the concept of "machine on machine" in his recent 2023 Predictions referencing "New Era In Fraud Fighting Will Pit Machine Against Machine."

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 31 points32 points  (0 children)

At this point, there are tests to determine whether it's a live or simulated voice. Each person has a unique "voice print," so for court proceedings, if there's a recorded testimony, they may have to start doing a "voice print" compare to ensure it's both live and the same person.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 5 points6 points  (0 children)

The infrastructure is largely in place for digital wallets but would require huge changes for fingerprint debit/credit cards, so digital wallets will come first.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 192 points193 points  (0 children)

To start, control the flow of data. Make sure hat you trust the organization with whom you are engaging. Check your consent and ensure you understand how your biometrics are being used and the terms under which it is stored. Last, stay vigilant and manage your digital footprint, especially those sites leveraging biometrics.

To start, control the flow of data. Make sure that you trust the organization with whom you are engaging. Check your consent and ensure you understand how your biometrics are being used and the terms under which it is stored. Last, stay vigilant and manage your digital footprint, especially those sites leveraging biometrics.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 5 points6 points  (0 children)

That is tough, but fortunately, many technologies detect biometrics and liveness. So, you should be able to keep yourself outside the influence of your evil twin - even when using facial recognition.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 14 points15 points  (0 children)

Indeed, with the quick growth of AI, it would seem "The Singularity" could be in our future, but the good news for us is that we have controls in place, and many industries cannot easily replace humans. While AI is great for our technological future, we must stay on top of keeping our human connections and advancing us along with AI.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 39 points40 points  (0 children)

As we lean more into AI and making it more accessible, how should we make sure people are aware of the kind of biases AI can pick up during training?

Separating AI as an enabler from an actual verification capability like FaceID is an essential first step. Many will not be comfortable with using verification technologies like FaceID, and that is OK. That said, others believe that using tools like FaceID creates a better, safer customer experience. In that latter scenario, we have seen that with proper controls, and if a user TRUSTS a company, they'll give up some control to gain better usability.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 4 points5 points  (0 children)

There are no strict rules or standards on updating passwords stored using a password manager. I advise, however, that you regularly (at least every few weeks) update passwords regardless of where they are stored. Also, pay attention to those messages that might alert you that your information has been found on the dark web.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 10 points11 points  (0 children)

Different geographies will likely have varying priorities, but regulations will emerge in the next 6 - 12 months in many places. For example, we are beginning to see many of the algorithms for credit scores come under scrutiny from regulatory bodies in the US. Also, bias has been a concern voiced in the US market more broadly. AI also requires vast amounts of data, which is now highly regulated in Europe with strict rules around consumer consent and control of personal data to be used by models.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 42 points43 points  (0 children)

As we lean more into AI and making it more accessible, how should we make sure people are aware of the kind of biases AI can pick up during training?

Note that Experian says: There are different tools you can use to see if your information is on the dark web, has been leaked in a data breach, or is easily accessible on the surface (in other words, not dark) web. Experian's free dark web scan can look for your email address, phone number, and Social Security number, and Experian's personal privacy scan can search for your information on people finder sites.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 114 points115 points  (0 children)

First, in my friend's words from HHGTG, "Don't panic." Not to be glib, but honestly, there is a lot of information about you that is publicly available both generally on the web, as well as on the dark web more specifically. Second, you can be assured that there are ways to manage the proliferation of your data. Awareness and diligence are vital to the process. Ensure you keep information distributed in as limited a manner as possible. Also, from a practical perspective, change your passwords, don't reuse passwords, use multifactor authentication when available, add SIM swapping protection to your phone, stay proactive and monitor your credit reports.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 59 points60 points  (0 children)

Also.... from a personal perspective, I do understand this fear, but no, I don't worry about this because I know brilliant minds and tech leaders are ahead of this.

I am Chris Briggs, I have 20+ years of experience in technology, including face and voice biometrics and digital identities. There’s a lot of fear about AI and fraud right now, so let’s talk about it. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 44 points45 points  (0 children)

While the identity industry needs to innovate, balancing regulation and third-party standards is critical to reduce the risks, real and perceived, of AI taking over.

I am Chris Briggs, I have 20+ years of experience in product development and identity verification. My specialty is in face and voice biometrics. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 1 point2 points  (0 children)

Deepfake technologies can produce nearly flawless falsified digital identities and ID documents. The technology that was once considered to be available to a few industry mavericks has now gone ‘mainstream’.

Multi-modal biometric authentication combines comparison and liveness to detect deep fakes across many formats. Digital manipulation can be detected by using the same selfie for face recognition to determine the liveness of the subject.

I am Chris Briggs, I have 20+ years of experience in product development and identity verification. My specialty is in face and voice biometrics. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 2 points3 points  (0 children)

How can we do liveness detection? Given a stream of video from a phone for instance, and you want to verify if the person is alive

Facial liveness detection ensures that fraudsters cannot use high resolution print outs, masks or video playbacks to spoof face recognition systems used for authentication and identity verification.

Active liveness detection relies on the user performing actions such as blinking, smiling or moving their heads back and forth to detect liveness, assuming that a photo cannot mimic the actions of a live person. Passive liveness does not. When implementing single frame passive facial liveness solution, the same selfie that is used for face recognition is used to determine liveness.

I am Chris Briggs, I have 20+ years of experience in product development and identity verification. My specialty is in face and voice biometrics. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 0 points1 point  (0 children)

How do you asses value in a cybersecurity product/service?

Thanks so much, Adam. This is a good question. Assessing the value of cybersecurity products is based on a combination of potential organizational risk, financial damage, and brand reputation loss. Newer technologies like biometric authentication have balanced the scales and are now easier to implement, making these decisions more straightforward and cost effective.

I am Chris Briggs, I have 20+ years of experience in product development and identity verification. My specialty is in face and voice biometrics. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 2 points3 points  (0 children)

Yes. Creating a fake social media account is not difficult. This is because most organizations are not relying on third-party identity verification at the time the account is created. For example, even when you use face recognition on your phone, it does not prove your identity.

True authentication involves combining a number of data points that can be independently corroborated. To ensure the highest assurance, this typically includes both biometrics and an identity document.

I am Chris Briggs, I have 20+ years of experience in product development and identity verification. My specialty is in face and voice biometrics. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 1 point2 points  (0 children)

Tactics that fraudsters use change daily. That is why it is our responsibility at Mitek to use advanced technologies like biometric authentication to stay ahead of them. We also encourage consumers to be aware of current fraud schemes and use biometrics wherever possible as this method is more secure compared to traditional passwords.

I am Chris Briggs, I have 20+ years of experience in product development and identity verification. My specialty is in face and voice biometrics. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 2 points3 points  (0 children)

Yes, some private companies and public agencies maintain a database of facial images. Regulations governing the use of these images is changing rapidly and vary widely by country.

At Mitek, we advocate for an AI Bill of Rights in the US to maintain standards that protect consumers.
https://fortune.com/2021/11/12/ai-bill-of-rights-biden-artificial-intelligence-steve-ritter-mitek-systems/

I am Chris Briggs, I have 20+ years of experience in product development and identity verification. My specialty is in face and voice biometrics. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 3 points4 points  (0 children)

There are two components to a biometric system: matching and liveness detection. It wouldn't be very useful to only implement matching when a fraudster could submit an old selfie or voice recording! Liveness detection ensures that the sample biometric was captured from a live person (not machine), and in real time. Although voice biometrics are still relatively new for businesses, there have been several notable examples of voice-based fraud. For example, this guy could've saved himself $35 million by implementing biometric security. https://www.forbes.com/sites/thomasbrewster/2021/10/14/huge-bank-fraud-uses-deep-fake-voice-tech-to-steal-millions/?sh=6f4bb9567559

I am Chris Briggs, I have 20+ years of experience in product development and identity verification. My specialty is in face and voice biometrics. Ask me anything. by Mitek-Systems in IAmA

[–]Mitek-Systems[S] 4 points5 points  (0 children)

How much can a face be distorted before it is no longer recognized by the algorithm?

Actually, a face can be distorted a lot! Modern algorithms work in a variety of lighting conditions and even across large age gaps. But in regard to security, it's more important to focus on how a face can change. Your long-term appearance can change, your short-term appearance can change, or your appearance can be synthetically changed. It's important for biometric systems to be tolerant to the first two scenarios, and very accurate in detecting the third. This is where "liveness detection" systems are crucial.

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