ISMG Announces 2014 Faces of Fraud Survey Results Report. Survey sponsored by Easy Solutions, the Total Fraud Protection company. 48 percent believe breached merchants ultimately should be held responsible for the compromises, while 28 percent say it’s a shared blame because of the flawed payments system. Survey also benchmarks the most common fraud schemes, including payment cards, checks and phishing; the ongoing impact of account takeover resulting from ACH/wire fraud; the detection and prevention of insider crimes; and whether institutions see significant fraud reductions resulting from new investments in employee and customer education.”]