CIPA Identity Theft Risk Assessment & Prevention 2

Question 1

Which factor is considered the HIGHEST risk indicator when assessing an individual's vulnerability to medical identity theft?

Accepted Answer

Having multiple healthcare providers with uncoordinated records

Answer

Multiple uncoordinated providers create fragmented records that are harder to monitor for fraudulent entries, increasing medical identity theft risk.

Question 2

A CIPA advisor is conducting a household risk assessment. Which discovery would MOST warrant immediate escalation?

Accepted Answer

Mail piling up at an unoccupied vacation home for two weeks

Answer

Accumulated mail at an unoccupied property is a high-priority physical risk because stolen pre-approved offers and financial statements enable new account fraud.

Question 3

When evaluating synthetic identity theft risk for a minor child, which scenario presents the GREATEST concern?

Accepted Answer

The child's SSN has never been used for any credit

Answer

A pristine, unused SSN belonging to a minor is highly attractive to fraudsters who can build synthetic identities on it undetected for years.

Question 4

Which prevention strategy BEST addresses the risk of account takeover through SIM swapping?

Accepted Answer

Setting a port freeze or SIM lock with your mobile carrier

Answer

A carrier-level SIM lock or port freeze requires additional in-person verification before a number can be transferred, directly blocking SIM swap attacks.

Question 5

In a risk assessment for a recently divorced client, which asset deserves IMMEDIATE identity theft protection attention?

Accepted Answer

Joint credit accounts that have not yet been separated

Answer

Open joint credit accounts give an ex-spouse the ability to run up debt or open new accounts, making them a critical immediate risk post-divorce.

(CIPA) Certified Identity Protection Advisor Practice Test

(CIPA) Certified Identity Protection Advisor Practice Test

CIPA Identity Theft Risk Assessment & Prevention 2