SCAMS

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SCAMS
WORTHY OF TRUST AND CONFIDENCE
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COUNTERFEIT CHECKS
WORTHY OF TRUST AND CONFIDENCE

• Use Off-the-Shelf Check
• Writing Software

• Use High Quality Scanners
• Printers and Paper

• May Contain Security Features
• (ie. Watermarks, Micro Printing)

• Bank Account s and
• Routing s May Be Real
• (obtained thru ID Theft)

• Printed with Names of Legitimate
• Financial Institutions and
• Companies (US or Foreign)

• Money Orders
• Cashiers Checks
• Personal Checks
• Corporate Checks
• Travelers Checks
• U.S. Treasury Checks

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COUNTERFEIT CHECKS
WORTHY OF TRUST AND CONFIDENCE

• The suspect wants the victim to send the money
• before the victim finds out the check is
  counterfeit.

• Just because funds are available on a check
  youve
• deposited, does not mean the check is good
  !!!!!

• Until the bank tells you the check has cleared,
• YOU ARE LIABLE !!!!

4
ONLINE AUCTION / CLASSIFIED AD SCAM
WORTHY OF TRUST AND CONFIDENCE
craigslist

• Buyer sends overpayment for goods to cover
  SH
• Buyer requests refund via wire transfer for
  remainder
• of money
• Buyers payment is fraudulent and Seller
  loses the

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ONLINE AUCTION / CLASSIFIED AD SCAM
WORTHY OF TRUST AND CONFIDENCE
craigslist

• Seller advertises a valuable item at an
  extreme
• discount
• Buyer attracted by the allure of a bargain
• Seller demands Buyer use a wire transfer
  service for
• payment
• Seller never sends the item and the Buyer
  left with
• loss

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SECRET SHOPPER SCAM
WORTHY OF TRUST AND CONFIDENCE

• Victim hired to evaluate a store and/or
• wire transfer service

• Victim sent counterfeit checks, money orders,
• etc.

• Victim cashes/deposits checks, money orders,
  etc.

• Victim instructed to go shopping with a certain
  amount
• of the money and wire transfer the remainder
  back to
• employer

• Employer may authorize the victim to keep the
• merchandise or a of the money

• Checks or money orders are fraudulent and
  victim is
• held accountable for the loss by their bank

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WORTHY OF TRUST AND CONFIDENCE
MONEY MULE
A money mule is a person who transfers stolen
money or merchandise from one country to another.
The term is commonly used to describe on-line
scams that prey on victims who are unaware that
the money or merchandise they are transferring is
stolen. In these scams, the stolen money or
merchandise is transferred from the victim's
country to the scam operator's country.
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WORTHY OF TRUST AND CONFIDENCE
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WORTHY OF TRUST AND CONFIDENCE
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EMPLOYMENT SCAM
WORTHY OF TRUST AND CONFIDENCE

• Employer advertises the job opening in a
  legitimate
• forum (ie. online or in the newspaper)

• Example job titles are Customer Service Rep,
  Account
• Manager, Personal Assistant, Distribution
  Manager,
• Regional Sales Specialist, etc.

• Employer can claim to be in any industry from
• electronics and computers to hardware and
  textiles

• Employer may require victim to open a
  business
• bank account or provide their own bank
  account
• information to conduct business

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EMPLOYMENT SCAM
WORTHY OF TRUST AND CONFIDENCE

• Victims job responsibilities include
  depositing checks
• or money orders OR receiving direct deposits
  into their
• bank account. Victim instructed to wire
  transfer the
• money to someone designated by the Employer

• Victim may be allowed to keep a of the money
  as
• payment

• Checks, money orders or deposits are fraudulent
  and
• victim is held accountable for the loss by
  their bank

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EMPLOYMENT SCAM
WORTHY OF TRUST AND CONFIDENCE
VARIATION Victim may be asked to receive
merchandise at their address as one of their job
responsibilities (ie. electronics, jewelry,
clothing, etc.) and then forward that merchandise
to other locations (both U.S. and overseas)
Merchandise is purchased with stolen credit cards
or through other fraudulent means. Victim held
accountable.
13
LAW ENFORCEMENT SCAMS
WORTHY OF TRUST AND CONFIDENCE

• E-Mail purports to be from a high-ranking FBI
  official
• (ie. Assistant Director) or from the U.S.
  Secret Service,
• U.S. Customs and Border Protection, etc.

• Attempts to defraud money out of the victim
  using the
• name and reputation of a federal government
  official to
• create an air of authenticity

• E-Mail claims that the results of an
  investigation have
• authorized or legitimized the money you are
  to receive

• E-Mail may threaten recipient with arrest or
  fines if
• they do not wire money as instructed due to
  some
• regulations or may ask for personal
  information

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USSS SCAM EMAIL
WORTHY OF TRUST AND CONFIDENCE
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FBI SCAM
WORTHY OF TRUST AND CONFIDENCE
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NIGERIAN ADVANCE FEE / 419 SCAMS
WORTHY OF TRUST AND CONFIDENCE
CHARACTERISTICS

• Many different cover stories
• (ie. lottery, inheritance, business deal,
• charity, etc.)

• Government Official, Lawyer, Judge, Law
  Enforcement,
• Doctor, Widow, CEO

• Official Looking Documents or Checks

• Sense of Urgency

• Confidential nature emphasized

• Wire, Send, Ship or Deposit Into
  Account

• Delivered by Regular Mail, E-Mail/Internet,
  Telephone

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CREDIT CARD SECURITY SCAM
WORTHY OF TRUST AND CONFIDENCE

• Scammer calls purporting to be a fraud
  investigator
• from your credit card company

• Claims that some fraudulent activity has
  occurred on
• your account but they will help get the
  charges
• reversed

• Before they can reverse the charges, however,
  the
• scammer states that they need to confirm
  your social
• security number, mothers maiden name, CVV
  or
• CVC number, etc.

18
PHISHING
WORTHY OF TRUST AND CONFIDENCE

• A fraudulent scheme involving ID Theft
• typically by email.

• Sender pretends to be a legitimate company
• or bank.

• Use a website/logo that
• looks like that of
• the legitimate
• company.

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PHISHING EXAMPLE
WORTHY OF TRUST AND CONFIDENCE
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PHISHING EXAMPLE
WORTHY OF TRUST AND CONFIDENCE
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PHISHING EXAMPLE
WORTHY OF TRUST AND CONFIDENCE
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PHISHING EXAMPLE
WORTHY OF TRUST AND CONFIDENCE
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WORTHY OF TRUST AND CONFIDENCE
A fraudulent scheme involving ID Theft by email
is called PHISHING.
What is a fraudulent scheme using SMS texting on
cell phones called?
SMISHING
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HITMAN SCAM EMAIL
TO YOUR NAME HERE ltYOUR EMAIL ADDRESS
HEREgt FROM Unidentified ltundisclosed.email_at_yahoo
.comgt Subject Stay Alive...........Attention,
I want you to read this message very carefully,
and keep the secret with you till further notice,
You have no need of knowing who i am, where am i.
i have being paid 50, 000 in advance to
terminate you with some reasons listed to me by
my employer, its one i believe you call a friend
and a person you deal with everyday. i have
followed you closely for one week and tree days
now and have seen that you are innocent of the
accusation. Do not contact the police or try to
send a copy of this to them, because if you do i
will know, and might be pushed to do what i have
being paid to do. Now listen, from you i need
the amount of 50,000. After you pay me you have
nothing to be afraid of. Respond to this email
as soon as possible and I will provide
information to you as to which account to pay the
money to. Once I receive the money, i will give
you a tape I have showing his request for me to
terminate you, which will be enough evidence for
you to take him to court (if you wish to).You
don't need my phone contact for now till I am
assured you are ready to comply. Once again, if
you contact the police, this deal is off and i
will terminate youLucky You, X
WORTHY OF TRUST AND CONFIDENCE
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HITMAN SCAM
WORTHY OF TRUST AND CONFIDENCE

• Scammer threatens the victim with death or
• kidnapping or threatens the victims family

• Scammer tells the victim that they will not
  carry
• out their threat if the victim pays money or
  provides
• personal information

• Scammer warns the victim not to notify the
• authorities or they will be forced to carry
  out
• their threat

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COMPUTER VIRUS SCAMS
WORTHY OF TRUST AND CONFIDENCE
Hacker tricks the victim into downloading a
virus, trojan, malware or spyware onto their
computer.

• Craigslist

• United Parcel Service (UPS)
• Delivery Problem

• Anti-Virus Scareware Pop-Ups

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COMPUTER VIRUS SCAM EXAMPLE
WORTHY OF TRUST AND CONFIDENCE
CRAIGSLIST ADVISORY --- AVOID SCAMS BY DEALING
LOCALLY Avoid wiring money, cross-border
deals, work-at-home Beware cashier checks,
money orders, escrow, shipping More Info
http//www.craigslist.org/about/scams.html
Hi There, I am very interested in purchasing the
love seat you have or sale on Craigslist. I may
even be willing to pay you a little more than
what you are asking if it is what I am looking
for. My brother has a very similar love seat in
his apartment I believe. Can you please take a
look to see if what you have for sale is similar
to what my brother has by clicking on the
following link VID 1 ? Thanks, I look forward to
hearing back from you. All the best, George
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COMPUTER VIRUS SCAM EXAMPLE
WORTHY OF TRUST AND CONFIDENCE
UPS Delivery Problem NR 02908
Wednesday, March 31, 2010 533 AM From "Manager
Ben Rhodes" support_at_ups.com Add sender to
Contacts To xxxxxxxxx_at_xxxxxx.com Message
contains attachments
1 File (47KB) UPS_invoice_6845.zip
Dear customer! We were not able to deliver your
postal package which was sent on the 22nd
of December in time because the addressee's
address is incorrect. Please print out the
invoice copy attached and collect the package at
our department. United Parcel Service of America.
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COMPUTER VIRUS SCAM EXAMPLE
WORTHY OF TRUST AND CONFIDENCE
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COMPUTER VIRUS SCAM EXAMPLE
WORTHY OF TRUST AND CONFIDENCE
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WHAT SHOULD YOU DO ?
WORTHY OF TRUST AND CONFIDENCE

• STOP! THINK FIRST, ACT SECOND !!!

• Companies/Agencies should never ask you
• for your personal information over the phone
• or via e-mail. DONT RESPOND! Never give
• out your personal info over the phone or
• internet unless you initiate contact and you
• know you are dealing with a true company
• representative.

• Conduct your own background investigation.
• Ask family, professors or law enforcement
  for
• guidance.

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WORTHY OF TRUST AND CONFIDENCE
QUESTIONS???
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IRS TAX RETURN SCAM
WORTHY OF TRUST AND CONFIDENCE

• Rebate Phone Calls

• Tax Refund E-Mails

• Audit E-Mails

• Check Verification Phone Calls