How Ameriprise Financial protects your information
Ameriprise has deployed around-the-clock, increasingly sophisticated prevention and detection techniques to identify and stop security breaches. These include monitoring threat intelligence services, maintaining contact with local and federal law enforcement, and using third-party testers to make sure both internal and external environments are secure.
If you'd like to participate in the monitoring process yourself, you may wish to sign up for text and email alerts.
Learn more about common types of fraud, how to protect yourself, and how we will work together safely and securely.
Common types of fraud
- Romance scams: Typically involve feigned romantic intention toward a victim, gaining their affection, and then using that goodwill to commit fraud.
- Lottery scams: An alleged lottery representative of a sweepstakes organization contacts a victim and claim they’ve been randomly selected as the winner of a large sum of money, a car or a free vacation. To collect the winnings, the victim must pay an initial fee or tax.
- Phishing fraud: A scammer sends a fraudulent message designed to trick someone into giving them sensitive or financial information. Phishing scams can come in several different forms: email, text or phone calls.
- Advance fee fraud: Typically involves promising the victim a large sum of money in return for an up-front payment, which the fraudster requires to provide the large sum.
- Debit card fraud: An unauthorized use of funds through debit card transactions.
How to protect yourself
- Keep your information private. Before disclosing any personal information, ensure you know why it is required and how it will be used.
- Guard your Social Security number. Do not give your Social Security number to people or companies that you do not know.
- Destroy old documents. Shred information you no longer need that contains personally identifiable information and account numbers. For example, credit card receipts, billing statements and pre-approved credit offers should be shredded before you discard them.
- Safeguard your mail from theft. Promptly remove incoming mail from your mailbox or consider a mailbox with a lock, and place outgoing mail in post office collection boxes.
- Carry only the essentials. Do not carry extra credit cards, your birth certificate, passport or your Social Security card with you, except when necessary.
- Review your credit report. The law requires the three major credit bureaus — Equifax, Experian and TransUnion — to provide a free copy of your credit report once per year. Consider staggering your credit report requests from each agency throughout the year. Look for inquiries and activity on your accounts that you can’t explain.
- Review your statements. Carefully and promptly review all transaction confirmations, account statements and reports. Report any errors or questions you have on your accounts.
For more information on how to recognize red flags and protect against them, visit the Privacy, Security & Fraud Center on ameriprise.com.
How we work together safely and securely
Ameriprise offers you secure access and several ways to manage your accounts, access your financial information, and work with us online. The secure site on ameriprise.com allows us to collaborate and provides anytime access to your accounts and information.
- Secure message center: Allows us to exchange sensitive information safely and securely, such as your Social Security number or account information.
- Secure storage: Allows us to view and share files, such as account statements and tax documents securely.
- Paperless: Allows you to choose which of your important financial documents to receive online, rather than in the mail. Receiving your documents online can reduce the risk of stolen mail and loss of paper documents through natural disaster.
- 2-Step Verification: Adds another layer of security to your accounts with 2-Step Verification, increasing your protection from fraud by verifying your identify with both your password and your device at login.
At Ameriprise Financial, we’re committed to protecting your online security. Our efforts are backed by our Online Security Guarantee, which covers 100% of the value of losses in your Ameriprise® account(s) due to unauthorized online activity, if we conclude that losses were incurred from your account through no fault of your own.
For more information about the steps you can take to help protect your account and personal information, review How you can protect yourself in the Ameriprise Financial Privacy, Security & Fraud Center.