Identity Thief For Hire

Dmitry Naskovets explains the art of draining your bank account.

- Dune Lawrence, photographs by Bryan Derballa

Nightfall in Minsk means Dmitry Naskovets begins working the phone. Naskovets, at 24, is tall and skinny and still looks like the college kid he recently was. He’s in his apartment’s kitchen, in a respectable neighborhood off the second ring road in the capital of Belarus. He starts around 6 p.m. and usually doesn’t quit until three the next morning.

On this particular winter night in 2009, Naskovets checks the online orders that have come in and sees a routine assignment. A client has tried to buy a MacBook Pro online with a stolen credit card, but American Express blocked the purchase. Now it’s Naskovets’s job to work it out with Amex.

He calls the toll-free number, using software that makes it look as if he’s dialing from the U.S. Any information the customer rep might ask for, Naskovets’s client sends him instantly by chat. The questions don’t usually get beyond the cardholder’s date of birth, Social Security number, or mother’s maiden name, but the woman fielding this call is unusually thorough. She notices that the phone number on the account has changed recently, triggering extra security. She puts Naskovets on hold while a colleague dials the old number and gets the actual cardholder on the line.