The Marriott hotel hack is the latest in an alarming series of data breaches, exposing the personal data of 500 million customers. Given the size of the breach, the quality of the data revealed and the number of years it went undetected, the repercussions are bound to impact the fraud landscape in 2019 and beyond.
In the aftermath of the Marriott breach, there will likely be an increase in fraud attack rates. Bad actors will leverage the leaked information to take advantage of e-commerce retailers and consumers by exploiting the available data via account takeovers, or ATO. ATO occurs when criminals hijack personal details (like those exposed in the Marriott breach), log in to an online account and masquerade as a returning customer to steal goods or additional data.