Fraud Prevention with Vigil and Verified by Visa

With fraud on the rise, Big Sky is always looking at new ways to counter issues and threats to our Customers Visa cards. We have implemented a service that provides 24 hour monitoring of  cards 24 hours a day, 7 days a week, 365 days a year. This new service is known as ‘Vigil’ and is provided by our industry partners CUSCAL, within a new division created called the ‘Fraud Bureau Service’. Custoemrs can now be even more confident in the fraud prevention services Big Sky provides.

What does this mean for members?

If there is suspicious activity on your VISA card you may receive a call from Big Sky Fraud Bureau Service (Vigil) on weekdays, weekends or even public holidays, to discuss any transactions or attempted transactions that could be fraudulent. You will be asked by Vigil to identify yourself as the account holder with some simple identity questions, then some trouble-free questions regarding the suspicious transactions that may be occurring. Big Sky will then take action to stop the fraudulent transactions, if any.

The Vigil Team are specialists in all matters of fraud and will provide a valuable resource in spearheading Big Sky’s defence against fraud. If you have any questions about this new service, please contact our friendly Customer Services Team on 1300 654 321 or the Fraud Bureau on 1300 705 750 or fraudbureau@cuscal.com.au

Important tips to protect the security of your accounts online

• Help keep your cards secure
• Join the ‘Fight Against Fraud’
• Stay smart online.

TIP: When you are heading overseas, contact Big Sky on 1300 654 321 to let us know. This will prevent VISA cancelling any payments they think might be 'suspect'.

Freedom…as simple as 1, 2, 3.

Big Sky has introduced the Verified by Visa security solution to protect you when purchasing online. We have compiled a list of Frequently Asked Questions for your information.

What is the Verified by Visa Service?

Verified by Visa is a service designed to ensure you are protected whilst shopping online with your Big Sky Visa Card (debit as well as credit cards).

How does Verified by Visa work?

As you make purchases online, Big Sky  assesses the risk of the transaction based on a number of factors. In some instances, you may be asked to confirm some personal details, for example date of birth or address, so Big Sky can be sure the card isn’t being used without your permission.

Will I need to apply for a new card to use Verified by Visa?

No, we will register your card (new and existing) for Verified by Visa on your behalf, you will automatically be protected.

Will I require a username and password for the Verified by Visa service?

Protection by the Verified by Visa service is simple because you don’t have to remember usernames and passwords – you will be automatically registered and protected.

What browser do I need to use for Verified by Visa?

Verified by Visa can be used in most browsers however if you are using Microsoft Internet Explorer you will need version 5.5 and above or Netscape Navigator 7.1 and above.

Can I use Verified by Visa on any computer?

Yes, you can use this service from any computer connected to the internet, with a compatible browser, as outlined above.

Why would I be asked to confirm personal details and is this safe?

Each time you make an online purchase, Big Sky assesses the risk level of the transaction – certain activity may seem out of the ordinary, maybe because it is a high dollar value, or a retailer you have never purchased from before.

If Big Sky is concerned a transaction may be fraudulent, we will prompt you to confirm your identity, and you will be requested to enter some personal details unique to your account with us. If the transaction is considered high risk, you may be requested to confirm several details before the transaction is approved.

How much does Verified by Visa cost?

This additional security benefit is provided to you free of charge.

Terms and Conditions

TIP: When you are heading overseas, contact Big Sky on 1300 654 321 to let us know. This will prevent VISA cancelling any payments they think might be 'suspect'. 
 

Big Sky remains vigilant in our quest to protect customers from fraud and as such we advise you to be aware of internet activity targeting Financial Institutions. This activity can often take the form of bogus e-mails, purporting to come from selected institutions, and asking the recipient to go to a website (a link to which is provided in the e-mail) and key in his/her Internet Banking ID and passwords. These are communications designed to enable fraudulent activity on your bank accounts and you should not open emails of this nature.

A booklet aimed at consumers to raise awareness on popular and emerging fraud trends including Internet phishing, cheque and identity fraud is available.

• Monitor your monthly statements, especially after an overseas trip.
• Check all transactions, even the small ones, because criminals try "testing out" stolen accounts by buying inexpensive items rather than large ones.
• Protect your cards as if they were cash - always keep them in a secure place.
• Report lost and stolen cards immediately and arrange for a replacement card to be issued to you.
• Do business with reputable merchants or vendors only.
• Notify Big Sky on 1300 654 321 if you detect anything unusual.
• Ignore unsolicited emails or phone calls seeking your personal or account information. Visa will only contact you to confirm details that are already stored, you will not be asked details prior to being told them.
• Memorise your PIN (Personal Identification Number) - never write it down, and never leave a written copy with the card.