CIPA Identity Theft Risk Assessment & Prevention 3

Question 1

Which type of identity theft is MOST difficult to detect because it does not directly affect the victim's existing credit accounts?

Accepted Answer

Synthetic identity fraud

Answer

Synthetic identity fraud blends real and fabricated information to create a new identity, so victims may never see it on their own credit reports.

Question 2

When performing a digital footprint risk assessment, which finding represents the HIGHEST exposure risk?

Accepted Answer

Mother's maiden name listed on a public genealogy website

Answer

Mother's maiden name is a common security verification question, and its public availability dramatically lowers barriers to account takeover.

Question 3

A CIPA advisor recommends placing a security freeze versus a fraud alert. When is a security freeze PREFERRED?

Accepted Answer

When confirmed identity theft has occurred and no new credit is needed

Answer

A security freeze provides stronger protection by blocking new credit inquiries entirely, making it the preferred tool when no new credit is anticipated after confirmed theft.

Question 4

Which behavior MOST increases an employee's risk of workplace identity theft?

Accepted Answer

Sharing login credentials with a trusted supervisor

Answer

Sharing login credentials violates security protocols and creates liability, as the other party gains access to systems containing sensitive personal data.

Question 5

Which IRS program is specifically designed to reduce tax identity theft risk for individuals with prior victimization?

Accepted Answer

The IRS Identity Protection PIN (IP PIN) program

Answer

The IRS IP PIN is a six-digit number that prevents fraudulent tax returns from being filed using a victim's SSN by requiring it to process their legitimate return.

(CIPA) Certified Identity Protection Advisor Practice Test

(CIPA) Certified Identity Protection Advisor Practice Test

CIPA Identity Theft Risk Assessment & Prevention 3