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These are new product announcements from my main website (Open 24/7/365). We have a life-time warranty / guarantee on all products. (Includes parts and labor). Here you will find a variety of cutting-edge Surveillance and Security-Related products and services. (Buy/Rent/Layaway) Post your own comments and concerns related to the specific products or services mentioned or on surveillance, security, privacy, etc.

Wednesday, May 11, 2016

What Do You Get When Legal Drug Dealers Peddle "Heroin-in-a-Pill" to it's "Clientele"?














What Do You Get When Legal Drug Dealers Peddle "Heroin-in-a-Pill" to it's "Clientele"?


Interactive Graphics
Jaclyn Kinkade, a 23-year-old doctor's-office receptionist and occasional model, was a casualty of America's No. 1 drug menace when she overdosed and died, alone, in a tumbledown clapboard house in Dunnellon, Fla.


The drugs that killed her didn't come from the Colombian jungles or an Afghan poppy field. Two of the three drugs found in her system were sold to Ms. Kinkade, legally, at Walgreen Co. and CVS Caremark shops, the two biggest U.S. pharmacies. Both prescription drugs found in her body were made in the U.S.—the oxycodone in Elizabeth, N.J., by a company being acquired by generic-drug giant Watson Pharmaceuticals Inc., and the methadone in Hobart, N.Y., by Covidien Ltd., another major manufacturer. Every stage of their distribution was government-regulated. In addition, Ms. Kinkade had small amounts of methamphetamine in her system when she died.


The U.S. spends about $15 billion a year fighting illegal drugs, often on foreign soil. But America's deadliest drug epidemic begins and ends at home. More than 15,000 Americans now die annually after overdosing on prescription painkillers called opioids, according to the Centers for Disease Control and Prevention—more than from heroin, cocaine and all other illegal drugs combined.


Rising opioid abuse means that drug overdoses are now the single largest cause of accidental death in America. They surpassed traffic accidents in 2009, the most recent CDC data available.


Paradoxically, the legality of prescription painkillers makes their abuse harder to tackle. There is no Pablo Escobar to capture or kill. Authorities must contend with an influential lobby of industry representatives and doctors who argue against more restrictions, saying they would harm legitimate patients. And lawmakers have been reluctant to have the federal government track Americans' prescriptions, leaving states to piece together a patchy, fragmented response.


Ms. Kinkade's final days, and the path of the drugs that killed her, were reconstructed from medical and prescription records, police files and interviews. Many records were assembled by Ms. Kinkade's father and stepmother.


Shuffling through the documents at their living-room table, Bruce Kinkade, a garage-door salesman, and his wife, Ann, said they don't wish to absolve their daughter of responsibility. "We're not naive and want to say she was a perfect angel," said Ann Kinkade, Jaclyn's stepmother.

Tracing the Path of Prescription Painkillers


Jaclyn Kinkade


A family photo of Jaclyn Kinkade as a child with a composite of the prescription records.


But the Kinkades say the companies and licensed professionals that supplied her with the drugs must also bear some responsibility. "Jackie didn't wake up one day and say, 'Hey, I'm going to be a drug addict today,'" Ann Kinkade said. "Jackie pretty much got sent there by a doctor, got hooked and continued to go back."


There are few easy villains in prescription drug abuse. Companies, physicians and addicts alike are all pieces in a complex puzzle. For some time, regulators have been cracking down on doctors who prescribe to addicts for profit. Now, federal and state officials are starting to move up the supply chain to pursue pharmacies and distributors.



On Sept. 12, the Drug Enforcement Administration revoked the licenses of two Florida CVS stores, which it claims sold excessive amounts of oxycodone without ensuring the pills weren't diverted to the black market. CVS is fighting the DEA's order in administrative and federal courts.


Two days later, the agency served Walgreen with a suspension order halting sales of controlled substances from its Jupiter, Fla., distribution center, calling it an "imminent threat to public safety." The DEA's regulatory action alleges that the facility—the state's largest oxycodone distributor—"failed to maintain effective controls'' of its narcotic painkillers.


Walgreen said it is working with regulators and has tightened its procedures. CVS said it was committed to working with regulators "to reduce prescription drug abuse and diversion while ensuring access to appropriate, effective pain medication for our patients who need them."


Participants in the drug-supply chain acknowledge the problems but point to others as the weak link. Doctors involved say pharmacies should be able to tell if patients are secretly using several physicians to obtain more drugs. Druggists say they can't second-guess a valid prescription. Manufacturers and distributors say they are simply delivering products ordered by health-care professionals.


What makes this drug scourge different from previous ones, such as heroin in the 1970s and cocaine in the 1980s, is that everyone in the distribution chain is identifiable. The DEA itself controls the supply spigot by setting drug companies' production quotas for opioids like oxycodone and hydrocodone.


image
For years, opioids were reserved mainly for cancer or terminally ill patients because of fears over their safety and addictiveness. But over the past 15 years, many doctors have come to view them as an essential tool to manage chronic pain. Around the same time, drug makers began marketing patented, time-release formulations of the drugs, making it a lucrative category.


Today, a growing number of doctors say the pendulum has swung too far, with powerful narcotics being dispensed for even relatively minor complaints. Last year, pharmacies dispensed more than $9 billion in prescription opioid painkillers, more than twice the amount a decade earlier, according to IMS Health, a research firm. The number of prescriptions has risen fourfold. The generic version of Vicodin, a blend of hydrocodone and acetaminophen, is now the most prescribed drug in the country.

Opioids come from the same narcotics family as heroin and can produce similar addictions, researchers say. "We're basically talking about heroin pills," said Andrew Kolodny, chairman of the psychiatry department at Maimonides Medical Center in New York.


Studies show that opioid addicts come from a surprisingly broad swath of the population: the middle-age, the elderly and, increasingly, young adults. Many U.S. veterans returning from Iraq and Afghanistan with physical and mental injuries are also becoming dependent on prescription painkillers, researchers say.


In recent decades, researchers have come to view addiction as a disease, rather than just a personal failing. Some people are more predisposed to becoming addicted because of heredity, experience and other factors that have yet to be fully understood. But some drugs are simply more addictive than others.

image
Jaclyn Kinkade Before She Began Taking Drugs.


New research suggests that drugs like opioids cause long-lasting changes to the brain, rewiring some areas to crave more drugs while simultaneously damaging the parts that can control those cravings. The drugs can damage the brain's ability to feel pleasure, so regular users eventually need to take them not to get high or help with pain, but just to feel normal. Avoiding unpleasant withdrawal symptoms end up conditioning many drug users' daily lives.


One of the most confounding aspects of this latest epidemic is that it blurs the lines between legal and illegal drug use. Some people first take drugs from their family medicine cabinets to get high, then go to doctors to get more. Others are originally prescribed the pills for legitimate reasons, then buy them on the street once they're hooked.


Many, such as Ms. Kinkade, end up mixing legal and illegal drugs in ways that can prove lethal.


Ms. Kinkade was a lively, talkative woman with blond hair, a fear of caterpillars and a pit-bull terrier, Bentley, that traveled everywhere with her.


She was first prescribed an opioid on Oct. 27, 2006, by the doctor who employed her as a receptionist, prescription records show. According to medical records and an entry from her diary, she had been suffering back and neck pain. Thomas Suits, her employer, prescribed 20 pills of Endocet, a drug containing oxycodone. "I'd never taken opioids before," Ms. Kinkade wrote in a diary entry. "But I started the med routine and OMG I felt no pain."

image
Jaclyn Kinkade on vacation when she was 21 years old. She died of an accidental drug overdose about two years later, at age 23.


Dr. Suits didn't recall prescribing the medication, said his wife, Irene Machel, a doctor who also works at the clinic. She declined to discuss the matter further.


Endo Health Solutions, which made the pills, declined to comment on Ms. Kinkade. "These types of stories are tragic and we obviously take them seriously," said Endo spokesman Blaine Davis. "Our responsibility, as a company that is very dedicated to the field of pain management, is to educate both physicians and patients about appropriate use."


Soon Ms. Kinkade was seeking more drugs. On Jan. 5, 2007, she saw Bruce Kammerman, a family practitioner at a clinic in Stuart, Fla., and came away with a generic blend of oxycodone and acetaminophen. A scan taken a month later showed no problems with her spine, according to the medical report. Through his lawyer, Dr. Kammerman declined to say why he wrote the prescription. "That's a sad case," said his attorney, Lance Richard. "Maybe she didn't have justifiable pain but she certainly came in and made complaints about it. At some point the doctor just has to go on the patient's word."


Dr. Kammerman was arrested in July at a pain clinic in Vero Beach, Fla., charged with drug trafficking, racketeering and illegally selling controlled substances. The DEA said in a news conference he was prescribing an average of 1,700 oxycodone tablets a day. Dr. Kammerman's lawyer said his client has done nothing wrong and pleaded not guilty.

image

Jaclyn Kinkade In a Mug Shot on May 10, 2010, Two Months Before Her Death.


Ms. Kinkade broke up with her boyfriend. She began missing work. One day she was found curled up under her desk, crying. "She always used to be clean-cut, nice makeup," said Susan Cochran, a former colleague. Then "she would come in in sweatpants and it was like: 'Who is this person?'"


Ms. Kinkade changed jobs to work at a radiologist's office. There, she had two other scans, in April and July 2008. Neither showed significant spine problems, according to the medical reports. Ms. Kinkade started seeking clinics that asked fewer questions. "Family practitioners hate writing narcotics," she wrote in her diary. "Nowadays—I'll just go str8 to pain docs."


During that period, she was prescribed large amounts of oxycodone, her records show, combined with antianxiety drugs and powerful muscle relaxants. Her parents grew increasingly alarmed. "Sometimes you'd be having a conversation with her and her head would just drop," Mr. Kinkade said. "And she'd say: 'Oh, I'm just tired; I was out late.'"


After reviewing her records, he said, "We estimated that at one point she was taking 13.4 pills per day, for nothing wrong with her."


In May 2009, Mr. Kinkade and his wife asked a judge to have their daughter forcibly admitted to drug treatment under a Florida law. Their request was initially denied because she wasn't a minor. Angered by their efforts, Ms. Kinkade moved out of their home and drove across the state to her biological mother's house. She crashed her car and was found wandering along the highway in a drug-induced daze, her parents said, searching for her pills.


Legal records show she was arrested several times for minor crimes such as possessing controlled drugs without a prescription and shoplifting small items, including makeup and cake topping. In each case, she was released and the charges dropped.



[image]


She started visiting a pain clinic in Tampa called Doctors Rx Us, where she was prescribed oxycodone, methadone, alprazolam and gabapentin, an antiseizure medication, according to records her parents collected. Housed in a rundown strip mall, the clinic today is called Palm Medical Group after a name change in 2011, according to its state records.



Ms. Kinkade was prescribed the drugs by two physicians at Doctors Rx Us: Richard Smith and William Crumbley. Dr. Crumbley was arrested in December and charged with operating a nonregistered pain clinic at another location. He has pleaded not guilty.


Dr. Smith and the clinic declined repeated interview requests. A lawyer for Dr. Crumbley said he was innocent of any wrongdoing.
On May 3, 2010, Ms. Kinkade stopped at a CVS in Crystal River, Fla., and picked up a prescription written by Dr. Smith for 90 tablets of 10mg methadone, along with 90 tablets of alprazolam, an antianxiety drug.


"Jaclyn Kinkade's death is a terrible tragedy that highlights the need for a comprehensive national effort to prevent prescription drug abuse," CVS said in a statement.


Information provided by the manufacturer suggests that the methadone dispensed to Ms. Kinkade was likely supplied to CVS by Cardinal Health Inc. Cardinal was the only distributor to have sold that particular drug to that CVS branch during that period, according to the manufacturer's records. CVS and Cardinal declined to comment.


Last year, the DEA launched a probe of the Florida-based operations of Cardinal Health and CVS Caremark. The agency alleged they dispensed "extremely large amounts" of oxycodone with signs that the drugs were "diverted from legitimate channels."


CVS said it has "responded to the DEA's concerns, including implementing enhancements to our policies and procedures for filling controlled substance prescriptions." Cardinal settled with the DEA in May, agreeing to suspend sales for two years at one of its key distribution facilities in Lakeland, Fla.


The methadone Ms. Kinkade picked up at the end of her life was made in Hobart, N.Y., by Mallinckrodt, a unit of health-care giant Covidien. "Any death from abuse or misuse of prescription drugs is tragic," Covidien said. "That's why we believe that, as a nation, ending the abuse, diversion and misuse of powerful pain medications is necessary to ensure adequate treatment of pain and access to that treatment for legitimate pain patients."


On May 10, 2010, Ms. Kinkade was stopped by police in Levy County, Fla., for having an expired registration. A drug-sniffing dog reacted to her car and she was arrested for possessing a generic form of Xanax without the correct prescription. This time, her parents let her sit in jail for a couple of weeks while they organized a place for her in a rehabilitation program. They bailed her out May 25 and enrolled her in drug treatment.


Over the next month, Ms. Kinkade went to the treatment program during the day and seemed to improve, her parents said. Then, the evening of June 24, she climbed out the window at her parents' house.


A few days later, on the other side of Florida, she met up with a boyfriend, according to a statement he later gave police. She returned to Doctors Rx Us, where Dr. Smith wrote a prescription for 90 tablets of 30mg oxycodone, according to prescription records. It would be her last.


The next day, Ms. Kinkade filled the prescription at a Walgreens in Beverly Hills, Fla. The oxycodone would have come from Walgreen's Jupiter, Fla., distribution center, a company spokesman said. On Sept. 14, the DEA barred that facility from selling controlled substances, alleging that it failed to maintain effective controls to stop large amounts of oxycodone from reaching the black market. "When [companies] choose to look the other way, patients suffer and drug dealers prosper," Mark Trouville, the DEA special agent in charge, said at the time. Walgreen said in a statement it is cooperating with the DEA.


The oxycodone came from the New Jersey plant of Actavis, a Swiss pharmaceutical company. In April, Actavis was bought by Watson Pharmaceutical in a $5.8 billion deal awaiting regulatory approval. An Actavis spokesman described Ms. Kinkade's situation as a "tragic occurrence" and called for discussion on "how to prevent such cases in the future." A Watson spokesman cautioned against action that would make it harder to treat legitimate patients. He said the company supported educating patients about the drugs' proper use.


The morning of July 4, Ms. Kinkade's boyfriend found her sitting cross-legged and slumped in his room at a white, low-slung house tucked behind a trailer park. The medical examiner said she died from a drug cocktail including oxycodone, methadone and methamphetamine.


Ms. Kinkade's physical decline made such an impression on the detective who investigated the case that, two years later, he still recalls the scene. In the living room, he noticed a poster of Ms. Kinkade modeling for a biker magazine.


"Wow, she's a beautiful young lady," Detective Matthew Taylor remembered thinking. "When I actually saw her, it was as different as night and day."






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Monday, May 09, 2016

Those %$#%$ Idiots At The New York Federal Reserve




Those $#%$# Idiots At The New York Federal Reserve Somehow Allow Hackers To Take $100million from An Account Held For Bangladesh






Updated 5-13-2016

Hackers Compromise Swift System

Hackers have again gained access to the world’s largest system for transferring funds among banks, a breach the network’s operator said indicates a wide-ranging effort to penetrate the financial system.

The Society for Worldwide Interbank Financial Telecommunication, a cooperative that runs the international messaging system between banks, said the attack targeted a commercial bank and managed to send Swift messages using the bank’s valid codes. It followed the theft in February of $81 million from Bangladesh’s account at the Federal Reserve Bank of New York.

The Bangladesh case provided startling evidence of the vulnerability of parts of the financial system that had been thought highly secure.

The notice by Swift said in both cases its own system wasn’t breached but that hackers accessed the fund-transfer system using the customers’ credentials and malicious software to cover their tracks.

“Forensic experts believe this new discovery evidences that the malware used in the earlier reported customer incident was not a single occurrence, but part of a wider and highly adaptive campaign targeting banks,” Swift said in a notice to banks reviewed by The Wall Street Journal but set to go out Friday.

A spokeswoman for Swift said there were a “few” additional incidents but declined to identify the other institutions involved. The Belgium-based Swift recently notified customers about a “small number of recent cases of fraud at customer firms,” it said in the notice.

The new evidence in question, Swift said, was sophisticated malware that was found by third-party forensic experts, who brought their findings to the messaging company. The attack happened before the Bangladesh theft, a person familiar with the matter said.

That malware was different than that used earlier to attack Bangladesh’s central bank, it added. In February, thieves attempted to siphon nearly $1 billion out of the Bangladesh bank’s account at the New York Fed.

The bulk of the fraudulent payment orders were stopped, but the thieves made off with $81 million that still hasn’t been traced.

The two sets of malware used in the attacks had two things in common, the Swift notice said. One, the attackers exploited the customer’s systems before messages were sent over Swift’s platform. Secondly, the malware helped the attackers cover their tracks, making it more difficult to identify the fraud.

The newer one identified by Swift attacks a type of computer software for reading files in a “portable document format,” or PDF. The malware is able to read customers’ PDF reports of payment confirmations, manipulate them and then remove traces of any fraudulent instructions, Swift said.

The Wall Street Journal reported this week that the Federal Bureau of Investigation suspected insiders may have helped the attack on Bangladesh Bank, citing people familiar with the matter. Swift similarly emphasized the risk of malicious insiders in its note to banks.

Swift, a member-owned industry cooperative, handles the bulk of world-wide cross-border payment instructions between banks. On average, the company handles 25 million messages each day.

Banks and brokerages relay information to each other through its trusted computer network, confirming the identities of senders and recipients, amounts being transferred, account numbers and intermediary banks.

The breaches raise the prospect that the system isn’t fully secure.

In the case involving Bangladesh Bank, attackers issued 35 fraudulent instructions attempting to divert funds to accounts in the Philippines and Sri Lanka.

At a conference in Miami this month, New York Fed Executive Vice President Richard Dzina said the bank acted on properly authenticated message instructions.


News of the second breach was reported earlier Thursday by the New York Times.


Updated 4-9-2016

Bankers Hours Contributes To Breach

The heist is now the focus of probes by the Federal Bureau of Investigation, officials in Bangladesh, lawmakers in the Philippines and the U.S. Congress. A spokeswoman for the FBI declined to comment.
Investigators brought in from computer-security firm FireEye Inc. said in a report that the attackers lurked in Bangladesh Bank’s systems for days, logging keystrokes to get the codes they needed. Bangladeshi investigators have said the thieves timed their attack to exploit the weekend, which falls on Friday and Saturday in Bangladesh.





The Bangladeshi central bank has questioned why the unusual transfer requests, many asking for money to be routed to personal bank accounts, didn’t ring alarm bells inside the New York Fed before the bank executed five of the 35 payment orders.
Subhankar Saha, a spokesman for Bangladesh Bank, said its investigators are looking into whether the New York Fed followed the correct procedures in releasing funds from its account.
The Fed generally approves authenticated payment orders automatically, people familiar with the matter said. Payments can be halted if they set off money-laundering or sanctions alerts, for example. Others may be reviewed after the fact and recalled if necessary, the people said.




“You’d think the Fed would be more vigilant with suspicious activity,” saidDarren Hayes, a professor who studies cybersecurity at Pace University’s Seidenberg School of Computer Science and Information Systems in New York. “People might question why, if they raised their own red flags, more wasn’t done.”
Timeline
  • 1/31
  • Feb. 4, 2016
    By 5 p.m. EST: Federal Reserve Bank of New York approves five of what ultimately became 35 requests from hackers to transfer money from Bangladesh Bank’s accounts. The five approved orders, totaling $101 million, are routed to beneficiaries in Sri Lanka and the Philippines. 

    5:55 p.m.: New York Fed messages Bangladesh Bank with questions about another 12 of the 35 transfer requests. 

    11:30 p.m. (10:30 a.m. Friday Bangladesh time): Bangladesh Bank officials find the Swift interbank-messaging terminal unresponsive and can’t access the system.
  • Feb. 5, 2016
    4:09 p.m. and 4:43 p.m. EST: Fed sends new messages to Bangladesh Bank again querying the transfer requests, including four of the five it had put through and 30 it had blocked that day.
  • Feb. 6, 2016
    1:30 a.m. EST (12:30 p.m. Bangladesh time): After correcting a computer problem, Bangladesh Bank sees messages sent by the Fed. 

    2:31 a.m. to 7:03 a.m. EST: Bangladesh Bank sends three emails and one fax to the New York Fed, trying to get the payments stopped. Messages go unanswered. Bangladeshi officials also call the Fed office in New York several times, to no avail.
  • 2/7
  • Feb. 7, 2016
    7:15 a.m. EST (6:15 p.m. Bangladesh time): Bangladeshi officials start up a backup server and see dozens of messages from the Fed asking Bangladesh to reconfirm requests to transfer up to $950 million. By then, $101 million had already been wired out of the account to Sri Lanka and the Philippines.
  • Feb. 8, 2016
    6 a.m. EST (5 p.m. Bangladesh time): Bangladesh Bank sends stop-payment requests via Swift to the New York Fed and four intermediary banks. Later in the day, the Fed sends its own stop-payment requests.
  • 2/14


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The thieves put the first payment orders through to the Fed using Swift on Thursday, Feb. 4, late in the Bangladeshi day, according to people familiar with those messages. The Fed approved five of the 35 payments later that day, said one person familiar with the messages, processing a total of $101 million in payments.
Fed employees then became suspicious. At 5:55 p.m., they messaged Bangladesh Bank asking for the rationale for a dozen different payment requests, the person said.

As the Fed’s concerns increased the next day, a Friday, it decided to block 30 of the 35 requests made by the thieves. Just before closing for business that afternoon, and heading out for the weekend, Fed staffers sent two more interbank messages asking Bangladesh Bank for additional details, people familiar with the messages said.





The Fed never heard back that day, when most Bangladeshi staff already were off for the weekend.
Officials who work on the Swift system at Bangladesh Bank usually come in for a couple of hours on weekend days to collect and sort messages. They were in the office for about 90 minutes Friday, but left without seeing the Fed’s messages, because they couldn’t start up the Swift terminal due to a computer failure that FireEye said was caused by the hackers.
When they got the terminal running Saturday and saw the Fed’s messages, they sent three emails and a fax asking the Fed to “stop processing all payments until further notice,” according to the Bangladeshi police report on the incident. Bangladeshi officials said they also tried to call the New York Fed multiple times that day and on Sunday, but nobody answered, according to the report.
It wasn’t until early the following Monday, just after 6 a.m. New York time, that the Fed saw the Bangladeshi messages, people familiar with the matter said. It later sent out orders to stop the payments, they said. By then, it was too late, with all but $68,305 of the $81 million sent to the Philippines gone.





Bangladesh ultimately got back the $20 million routed to the account of a nonprofit in Sri Lanka, but only because a banker there stopped the payment after noticing a misspelling in the recipient’s name. In late March, one of the junket operators in the Philippines returned $4.63 million.
The Philippines last month filed criminal complaints against the two casino-junket operators for allegedly receiving some of the stolen money.


Updated 3-17-2016
More details emerged Thursday of the brazen theft of tens of millions of dollars from Bangladesh’s account at the Federal Reserve Bank of New York, including the use of allegedly forged bank accounts in the Philippines and testimony about money being bundled into the car of a bank manager.
Cybercriminals in early February attempted to siphon close to $1 billion out of Bangladesh’s account at the New York Fed, Bangladeshi officials have said. Although the sheer volume of attempted transactions raised alarm bells, causing the Fed to block some of the transfers, the thieves managed to funnel $81 million to accounts in the Philippines and $20 million to a bank in Sri Lanka, according to the Bangladeshi officials. The heist led to the resignation of Bangladesh’s top central banker and several other senior officials.
On Thursday, senators in the Philippines heard testimony about what might have happened to money that entered bank accounts in the country’s Rizal Commercial Banking Corp.





RCBC legal counsel Macel Fernandez-Estavillo and an executive at the bank,Romualdo Agarrado, testified at the Senate hearing in Manila that on Feb. 5 around 20 million pesos ($427,000) was withdrawn from one of the four bank accounts that received the funds. Mr. Agarrado said he saw the money taken to the car of Maia Santos Deguito, Manila branch manager with the bank, by one of the bank’s messengers.
Mr. Agarrado said that when RCBC’s head office implemented a Bangladesh central-bank order to freeze the accounts on Feb. 9, the first day of the workweek, Ms. Deguito ignored it. Instead, she moved the money to a foreign-currency account opened Feb. 5 under the name of Centurytex Trading, a local brokerage firm owned by businessman William Go, Mr. Agarrado testified.
Philippines Anti-Money Laundering Council records submitted to the Senate show that $15 million of the stolen money on Feb. 5 was remitted from the account to a local money-transfer company called Philrem. Then, about another $66 million of the funds were transferred to Philrem on Feb. 9.
Philrem President Salud Bautista told the hearing that her company processed a total $80.9 million that came from the foreign-currency account of Mr. Go and Centurytex Trading, and that the requests appeared to be regular bank orders.
Ms. Bautista on Thursday said the company was offering a check for 10.47 million pesos ($223,000) to the Bangladeshi representative at the Senate hearings for the fees the company earned from processing the transactions.







Mr. Go denied that the account was his or his firm’s and authorized RCBC to disclose transactions in it to free the bank from violating the country’s bank secrecy law. An investigation carried out by the private firm Truth Verifier Systems Inc. found that the account, and another opened in July 2014 under the businessman’s name, were forgeries, Ms. Estavillo said.
Ms. Deguito has declined to comment on the allegations against her, insisting at the Senate hearings on her right not to incriminate herself. The Philippines’ Anti-Money Laundering Council has filed a criminal complaint against her with the country’s Department of Justice. She agreed to give her version of events to senators in a closed-door hearing.
The money eventually made it into at least one local casino and two gambling junket operators, the Senate hearing heard Tuesday. In previous Senate testimony, Julia Bacay-Abad, executive director of the Anti-Money Laundering Council, said the money apparently had been used to buy gambling chips. The council’s investigation ended at the casino’s doors, however. Gambling facilities aren’t covered by the Philippines’ Anti-Money Laundering Law.
Meanwhile, in Bangladesh on Wednesday, central-bank officials filed a police report in Dhaka.
The computer terminal that connected Bangladesh’s central-bank computers to the secure interbank messaging system knows as Swift was “unresponsive” on Feb. 6, the morning after the theft, a senior official working at the bank’s secure server room said in the police report seen by The Wall Street Journal.
According to the report, Zubair Bin Huda, the senior official in charge of the glass-walled server room—known as the “Dealing Room”—was concerned when a printer connected to the terminal couldn’t print out the interbank messages received during the night. Mr. Huda said he and other officials went home shortly afterward “since it was the weekend.” Bangladesh’s weekend falls on Friday and Saturday. Mr. Huda couldn’t be reached for comment on Thursday.





It wasn’t until Feb. 7, a Sunday, that the officials started a backup server and manually printed out the messages. The tranche that came out contained up to 35 messages from the New York Fed asking Bangladesh to reconfirm transfer requests of up to $950 million. By then, $101 million already had been wired to the Philippines and Sri Lanka.
The wire transfer of $20 million to Sri Lanka went to the account of a newly formed nongovernmental organization, according to the officials in Dhaka. The Sri Lankan bank handling the account reported the unusual transaction to the country’s central bank and authorities reversed the transfer.
Senior Bangladeshi officials sent urgent messages to the Philippines central bank on Feb. 8 asking it to freeze four accounts at the RCBC where $81 million had flowed, according to the police report.
Bangladesh central-bank officials close to the investigation said the criminals had used malicious code, known as malware, to penetrate its computers. The malware allowed the thieves to monitor the activity and daily routine at the Dealing Room, said one official, who spoke on condition of anonymity.
“They were counting on the likelihood that there wouldn’t be any direct communication between the banks over the weekend,” he said.
A spokeswoman for the New York Fed declined to comment, but previously said the payment instructions the U.S. bank received were “fully authenticated” and there was “no evidence the Fed’s systems were compromised.”
Atiur Rahman, who resigned as governor of Bangladesh Bank, the central bank, on Tuesday, said that the bank was slow to react to the breach because it was a “new and unexpected” challenge. “It took a while to understand what hit us,” he said.
Bangladesh has hired California-based cybersecurity firm FireEye Inc. to spearhead the investigation into the breach. Bryce Boland, FireEye’s chief technology officer for the Asia Pacific region, said: “Whatever the outcome of this investigation, we expect banks will review their security practices.”
Swift has said its core messaging services weren’t affected by the issue and it is working with Bangladesh Bank to “resolve an internal operational issue at the central bank.”




Swift’s terms of service say the customer is responsible for maintaining security on its computers.


DHAKA, Bangladesh—Someone using official codes stole $100 million from Bangladesh’s account at the New York Fed over a recent weekend. Authorities in four countries are still piecing together what happened.
The breach funneled $81 million from the country’s account at the New York Federal Reserve to personal bank accounts in the Philippines. Another $20 million was directed to a bank in Sri Lanka.
In scenes that would be right at home in Hollywood, the unknown criminals sent 35 transfer requests through the Swift interbank messaging system, a Bangladesh Bank official and an official of the Ministry of Finance have said. Whoever made the requests had the necessary codes to authorize Swift transfers and put in the payment requests on a weekend, the officials said.
The incident has led to recriminations, with Bangladesh’s finance minister accusing the Fed of irregularities, and questions being raised about the quality of security in the South Asian country. In an early sign of fallout from the breach, Bangladesh’s central-bank governor, Atiur Rahman , resigned Tuesday.
Mr. Rahman had come under fire from senior ministers who said he didn’t tell the government about the theft fast enough. Although the theft took place Feb. 5, Bangladesh Bank, the central bank, didn’t make a public announcement until last week. The country’s finance minister, Abul Maal Abdul Muhith, said he learned of the heist from news reports.





On Tuesday, Mr. Rahman, who had been the governor of Bangladesh Bank for nearly seven years, said he was taking moral responsibility for the loss of the money. Two deputy governors of Bangladesh Bank were relieved of their duties, Mr Muhith said. He didn’t clarify why they were removed. The officials couldn’t be reached for comment Tuesday.


The Fed declined to comment Tuesday. It has said it is working with Bangladesh to investigate the incident and said none of its systems were compromised.
Interviews with several officials at Bangladesh’s Finance Ministry and its central bank depict a well-planned international caper spanning at least four countries.
The breach began on a quiet Friday last month, when a series of payment instructions arrived at the New York Fed seeking the transfer of nearly $1 billion out of the Bangladeshi account.
The transfer requests, which the Fed says were fully authenticated with the correct bank codes, asked to move the money to private accounts in the Philippines and Sri Lanka and appeared to come from the Bangladeshi central bank’s servers in the capital, Dhaka.

(Buy/Rent/Layaway)



But Friday is the weekend in Bangladesh and the central bank’s offices were closed. By the time officials at Bangladesh Bank returned to work, five requests moving about $100 million had gone through. Further transfers totaling roughly $850 million were blocked after the Fed raised a money-laundering alert, a spokesman for Bangladesh Bank said. The fact that the money was being wired to personal bank accounts in the Philippines rang alarm bells.
The $81 million that did leave the bank for the Philippines ended up in the account of a local businessman before making its way to at least two local casinos, the executive director of the country’s Anti-Money Laundering Council, a government task force, said at a hearing at the Philippine Senate on Tuesday.




Julia Bacay-Abad, executive director of the Anti-Money Laundering Council, said the money had apparently been used to buy gambling chips. The council’s investigation ended at the casino’s doors, however. Gambling facilities aren’t covered by the Philippines’ Anti-Money Laundering Law.



Wireless Camera Finder
(Buy/Rent/Layaway)



“Manila has returned only $68,000 of the money which was left in the bank accounts,” said a Bangladesh Bank official close to the investigation. “Whoever planned it had thought well ahead.”








The $20 million transferred to Sri Lanka went to the account of a newly formed nongovernmental organization, according to the officials in Dhaka. The Sri Lankan bank handling the account reported the unusual transaction to the country’s central bank under that country’s money-laundering laws, and authorities reversed the transfer.





Swift uses a multilayered process to authenticate the financial institutions that are sending and receiving millions of messages each day between one another. A spokeswoman said the messaging system’s core services hadn’t been affected, and said Swift was working with Bangladesh Bank “to resolve an internal operational issue at the central bank.”
Cybersecurity experts say the theft of money from the New York Fed shows the vulnerability of emerging economies like Bangladesh, where the rapid growth of the banking system has outpaced regulations and security systems.


(Buy/Rent/Layaway)



Bangladesh foreign-currency reserves touched a record $28 billion in February. Nearly a third of those are held in liquid form in bank accounts at the Fed and the Bank of England, according to Bangladesh Bank officials.



Your questions and comments are greatly appreciated.



Monty Henry, Owner














www.DPL-Surveillance-Equipment.com










































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NOW, look in on your home, second home, lake house or office anytime, anywhere from any internet connected PC/Lap-top or Internet active cell phone, including iphone or PDA: http://www.dpl-surveillance-equipment.com/wireless_hidden_cameras.html

Watch your child's caregiver while sitting at a traffic light or lunch meeting, or check on your business security from the other side of the world. Our built-in hidden video features all digital transmissions providing a crystal clear image with zero interference. With the IP receiver stream your video over the internet through your router, and view on either a PC or smart phone. Designed exclusively for DPL-Surveillance-Equipment, these IP hidden wireless cameras come with multiple features to make the user's experience hassle-free.

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Our online layaway plan works like the old-fashioned service stores used to offer. But, in Kheen's case, she went to DPL-Surveillance-Equipment.com, found the iPod docking station (hidden camera w/motion-activated DVR), then set up a payment plan.

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DPL-Surveillance-Equipment.com is a world leader in providing surveillance and security products and services to Government, Law Enforcement, Private Investigators, small and large companies worldwide. We have one of the largest varieties of state-of-the-art surveillance and counter-surveillance equipment including Personal Protection and Bug Detection Products.



Buy, rent or lease the same state-of-the-art surveillance and security equipment Detectives, PI's, the CIA and FBI use. Take back control!



DPL-Surveillance-Equipment.com

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