Information & Ethics committee  I would echo TD's comment. We notify the individuals, and we would notify the Privacy Commissioner if there was a relevant or significant breach. We do have a joint committee of compliance and fraud, and a number of other parties that would actually look at that and make sure th

Information & Ethics committee  We've actually established a relationship with the credit bureaus, and particularly with Equifax, where we screen all the credits using both analytics and negative databases. So I think it's a joint effort among the credit bureaus and the banks.

Information & Ethics committee  I think to Mr. Rosenberg's point, we need to spend a little bit more time and go through the whole cycle. We see some manifestation of identity theft in the cheque space. Somebody might take over an account—an account takeover. What I worry about more is where the funds are goi

Information & Ethics committee  One of the key examples would be credit card and debit card skimming. Some people will look at debit and credit card as covering identity theft in that case. A lot of the banks don't look at that. We look more at things when credentials are stolen, or it could be paperwork, or it

Information & Ethics committee  Good morning. My name is Jay Stark. I represent RBC in my former capacity as vice-president of fraud management, a position which I held for 11 years. RBC is committed to providing our clients with secure financial services. We've a proud history of innovation and excellence in