ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

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ICFE Provides Financial Education, Continuing Education Credits, CEUs, CEs, Free Credit Repair, Bankruptcy Education and Financial Planning for All Age Groups.

Certified Identity Theft Risk  Management Specialist - CITRMS® XV LOGO

Certified Identity Theft Risk Management Specialist - CITRMS® XV is a registered trademark of the Institute of Consumer Financial Education (ICFE), San Diego, CA

iapp CPE Credits ApprovedCertified Identity Theft Risk  Management Specialist - CITRMS® XV

Applicants are encouraged to review the ICFE's CITRMS®XV
Code of Ethics for ICFE Certificants Code of Ethics for ICFE Certificants

Introduction

Over 150 million credit and identity theft victims and counting...
The staggering monetary losses are mounting. More small business owners are now discovering, and for many the hard way, what the new laws say they now must do to protect a customer's personal information. Guarding against credit and identity theft is more important now, than ever before. In part, because the number of victims continues to multiply in huge numbers every month, however the law enforcement and resolution advocacy services don't. And also, partly because there are so few professionals trained and qualified to help the public and small businesses who need to access and manage their credit and identity theft risk to avoid financial ruin and the nightmares of attempted resolution should one become a victim.

The ICFE developed the "ICFE Certified Identity Theft Risk Management Specialist" - CITRMS® educational and certification testing program in 2006 and the course has been completely replaced and expanded with the CITRMS® ISG XV. The main purpose is to comprehensively prepare and equip law enforcement professionals, financial planners and CPA's, resolution advocates, notaries, lawyers, credit and debt counselors, through education, testing and computer software training, with the knowledge and skills necessary to help consumers and businesses fully assess and minimize their present risk of credit and identity theft.

These professionals - who are now the front line of defense in the fight against credit and identity theft for their clients and constituents - will also have a heightened sense of awareness about this so-called silent crime and will be tuned in to always guarding against it in addition to always talking about it with their clients and constituents to keep their awareness high.

CITRMS® XV covers nine major areas of study

Now more than ever in the past, the time has come for a more professional, comprehensively trained and well educated approach the ICFE Certified Identity Theft Risk Management Specialist program contains. It will equip CITRMS® XV enrollees with a working knowledge and understanding of the individual uniqueness of these crimes.
There are NINE areas of study and testing covered in the CITRMS® ISG XV:

1) Identity Theft Basics and Concepts
2) Magnitude, Classifications, and Trends in Identity Theft
3) What Information is Involved and Who Holds It
4) How Identity Thieves Operate
5) Specialized Areas of Concern –  Tech + Demographic
6) Legal and Regulatory Responses to the Identity Theft Challenge
7) Preventive and Remedial Steps for Consumers
8) Risk Management for Businesses
9) Identity Theft Risk Management Standards and Solutions

CITRMS® XV will also result in professionals having gained the knowledge and techniques necessary to improve their own chances of not becoming a victim and also help others too.

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Here are some reasons why professionals enroll in this new ICFE CITRMS® XV Certification Program:

  1. Becoming certified by the ICFE will make a difference to your clients, your company, your community, and yourself. It is the manifestation of your commitment to high standards of professionalism aimed at your employer, your colleagues, your clients and the general public.

  2. Promotes your professional value

  3. Demonstrate your professional qualifications and earn respect from clients and peers

  4. Being among the first to earn this important Certification in your community is newsworthy

  5. Listing in the ICFE's International Directory of Certificants

Read more about the Certification Program

CITRMS® XV Learning Goals and Objectives:

  1. Be familiar with the principal laws defining identity theft and setting requirements for holders of identity theft related information

  2. Know the common identity theft terms and define key differences

  3. Understand the magnitude and trends of reported incidents of identity theft

  4. Be able to list the various types of information vulnerable to identity theft and where it is held

  5. Know the main ways identity thieves gain access to sensitive information and how they misuse it

  6. Be familiar with the currently identified “Specialized Areas of Concern,” including technological developments and those listed by demographic and activity categories

  7. Understand the roles of the principal federal agencies responsible for administering identity theft related laws and regulations

  8. Know which agencies to contact in the event of identity theft, and how to contact them

  9. Know the steps consumers can take to minimize the risk of identity theft, and what to do if a consumer learns his/her information has been compromised in an identity theft incident

  10. Identify methods of access to credit reports and credit scores, free and otherwise

  11. Know the types of identity theft that usually do NOT show up in credit reports

  12. Be familiar with the main requirements for businesses to protect sensitive customer information, to comply with applicable laws and regulations

  13. Understand the requirements to notify affected individuals in the event of a data breach, and know the most common means of helping them minimize the adverse effects of such a breach.

  14. Understand the types and features of identity theft prevention and resolution services for consumers and businesses

  15. Be familiar with the overall standards applicable to organizations and consumers in working together to manage the threat of identity theft

Qualifies for Continuing Professional Education Units (CPEs, CEUs) and Professional Development Units

*Accepted for 5 CEUs for ChFC's and CLU's PACE Program and the IARFC
*Accepted for 5 PDUs from the American Association of Family & Consumer Sciences
*Accepted for 5 CEUs
by the Association for Financial Counseling and Planning Education (AFCPE.org)
*Accepted for up to 20 CPEs by the International Association of Privacy Professionals (IAPP) for their CIPM and CIPT certificants.  (IAPP.org)

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Specialized Credit Report Reviewer and ID Theft Risk Management Credentials from ICFE Set New Standard

How To Get Started Now

First, enroll and receive the ICFE CITRMS®XV program materials in the comfort of your home or office. Upon the receipt of the CITRMS® XV Independent Study Guide, and the Examination, you are ready to begin the home study program and advance at your own pace. Upon completion, take the 100 question examination. Candidates who answer 80 of the 100 questions correctly (80%) receive the ICFE Certification.

The ICFE Certified Identity Theft Risk Management Specialist Package IncludesHere is what is included in the enrollment package:

ICFE Certified Identity Theft Risk Management Specialist - CITRMS®XV
Independent Study Guide ICFE Certified Identity Theft Risk Management Specialist - CITRMS®XV Examination
ICFE Certification as an Identity Theft Risk Management Specialist - CITRMS®XV 

What does the enrollment package cost?

The package costs $399.00** (includes 2-day Priority Mail)
**Multiple enrollment (two or more) discount is $25 per enrolled at the same time.

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Can I Earn the CITRMS® XV Credential Online?

The ONLINE platform for the all-new CITRMS® XV certification course provides another convenient way for you to earn this valuable credential. The Online Course has all the content of the hard-copy version, and the convenience of digital learning. Instead of a printed copy of the Independent Study Guide (ISG), the online version includes the full text in a searchable .pdf-format ISG. Of course, printed copies of the Textbook and Desk Reference are also available for a nominal fee. If you prefer to receive the CITRMS® XV course materials and take the exam online, then choose “Online Version” on this page.

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What CITRMS® XV Can Do To Help Small Business Owners and ConsumersAbout the credit and identity risk assessment service for small business owners, individual consumers and their families.
Business owners, small and large are liable for security breaches. The Federal Trade Commission recently fined a mortgage company $50,000 for violating national Disposal, Safeguards and Privacy rules by leaving loan documents with sensitive information in and around an unsecured trash bin.

Small Business Owners: As an Certified Identity Theft Risk Management Specialist - CITRMS®XV, you will have already gained the knowledge, skills and techniques necessary to assist the small business owner by showing them how to conduct a complete review and assessment of their risk of becoming a liable for damages and or penalties because of the way they handle, or perhaps mishandle their customers credit, medical, insurance and other confidential information during the course of their normal business operations. This assessment may also include to the owner's personal information and extend to his or her workers, as an employee benefit. Depending on the size of the small business and the amount of sensitive customer information they may control, a review and assessment of the improvement measures to employ which will result in minimizing their risk may take from two to six hours. The hourly billing would be consistent your current hourly rates.

Consumers: Over a billion data records of U.S. residents have been exposed due to security breaches since 2005. Everyone is at risk. A review of an individual consumer's personal financial, insurance, and other confidential family information - from their credit reports to the way they might receive their printed checks in the mail, to also include how the information is stored and, equally important, the manner of its disposition is the initial part of process. The assessment is done with the client present and importantly will include suggestions on how to make one's situation more secure and less available to others, whether family members or criminals.

Typically, the first step is to have the client(s) empty out their wallet or purse on the desk in front of you. What you are looking for is incriminating items with a SS#s and other information they may be carrying around that could harm them. The average interview and assessment takes about an hour and a half to two hours. The assessment also includes corrective and cautionary steps to take to minimize the risk and guard against the crimes and also receive an important list of things they should always do to guard against both credit and identity theft.

You will explain how and why current practices, disposition without first shredding, for instance, may increase their risk of their credit and other identity information fall into the hands of miscreants and even organized crime. Should your service include a review of credit files, any changes and corrections and you may suggest may be made using the ICFE's Do-It-Yourself Credit File Correction Guide.


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Who should enroll in the CITRMS®XV Program?

Law Enforcement Professionals (Criminal and Prosecutorial)
 CFPs,   CLU and ChFCs, CPA's, RFCs and Lawyers
Military Financial Counselors
Notaries - Credit and Debt Counselors
Faith Based Credit and Financial Counselors
Identity Theft Victim and Resolution Advocates

 

How To Get Started Now

First, enroll and receive the ICFE program materials in the comfort of your home or office.  

Upon the receipt of the Independent Study Guide-XV and the XV Examination you are ready to begin the home study program and advance at your own pace. After reading of the Independent Study Guide take the 100 question examination.  Candidates who answer 80 of 100 questions correctly (80%), receive the ICFE Certification.

The ICFE Certified Identity Theft Risk Management Specialist Package Includes The ICFE Certified Identity Theft Risk Management Specialist Package Includes

 

The ICFE Certified Identity Theft Risk Management Specialist Independent Study Guide (ISG XV) and a 100 question Examination and Answer Sheet. There is a personalized ICFE CITRMS® XV Certificate with the ICFE CITRMS® XV seal presented to all graduates.       

 

** Multiple enrollment (two or more) discount is $25 per enrolled at the same time.

 
 

Certified Identity Theft Risk  Management Specialist - CITRMS® XV Independent Study Guide

Certified Identity Theft Risk  Management Specialist - CITRMS® XV - Exam

Independent Study Guide
ISG XV
100 question XV Examination and Answer Sheet  Personalized ICFE CITRMS® XV Certificate with the ICFE CITRMS® XV seal


Code of Ethics for ICFE Certificants Code of Ethics for ICFE Certificants

Yan Ross Bio PhotoCITRMS® XV was written by Yan Ross, ICFE's Director of Special Projects. He is an accredited educator, and actively practiced law for over 30 years, including 10 years in government positions and 20+ years in private practice.

He is a graduate of Princeton University and Yale Law School. For over 15 years, he has addressed Identity Theft Risk Assessment and management for consumers, organizations holding personally identifiable information, and professionals who work with individuals and organizations who are at risk of falling victim to identity thieves.

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Certified Identity Theft Risk Management Specialist - CITRMS®XV is a registered trademark of the Institute of Consumer Financial Education (ICFE), San Diego, CA

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Phone 619-239-1401

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