Ithaca College

Chase and J.P. Morgan takes the threat of fraud very seriously and devotes numerous resources towards prevention. There are ongoing attempts by "fraudsters" to takeover accounts with limited cardholder information. As a result of the increase in this type of activity, J.P. Morgan Chase has put in place an authentication process for certain types of high risk requests to a cardholder's commercial card account. The banking industry is moving toward similar methods of authentication to make sure customer service representatives (CSRs) are speaking with the actual cardholder.

In an effort to reduce fraud and cyber crimes to protect cardholders, this authentication process requires use of a mobile device and the ability to receive text messages. This added layer of security allows for an efficient method to verify the identity of a cardholder in real time.

• The cardholder must confirm that the cell phone number on file is correct or provide the CSR with a valid cell phone number. If the cell phone number was provided at the time of the call, the CSR will validate the cell phone number through a secondary source to ensure it is registered to the cardholder.
• A one-time password will be texted to either the validated cell phone number or the confirmed cell phone number on file.
• The cardholder will be asked to provide the password to the CSR.

J.P. Morgan will accommodate cardholders traveling outside the United States and use alternate methods of authentication.

Cardholders who cannot be authenticated will continue to be referred to their program administrator (Sheryl Scott, Travel Services Specialist).

Please call the number on the back of your card (using your cell phone for automated recognition) and provide your cell phone number for J.P. Morgan Chase to have on file for this purpose. Remember to use the last four digits of your employee ID instead of your social security when prompted.

Note: This one text message doesn't opt you in to any type of marketing messages.

If you have any questions, please contact Sheryl Scott at 607-274-1480 or sscott@ithaca.edu