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Schwab's Fraud Encyclopedia
Fraud Encyclopedia Updated June 2018 Contents Introduction . 3 Scams . 26 How to use this Fraud Encyclopedia . 3 1 . Properties . 28 2. Romance/marriage/sweetheart/catfishing . 28 Email account takeover . 4 3 . Investments/goods/services . .. 29 1 . Emotion . 7 4 . Prizes/lotteries . 29 2 . Unavailability . 7 5 . IRS . 30 3 . Fee inquiries . 8 6 . Payments . 30 4 . Attachments . 9 Other cybercrime techniques . 31 5 . International wires . 10 1 . Malware . 33 6 . Language cues . 10 2 . Wi-Fi connection interception . 34 7 . Business email compromise . 11 3 . Data breaches . 35 Client impersonation and identity theft . 12 4 . Credential replay incident (CRI) . 37 1 . Social engineering . 14 5 . Account online compromise/takeover . 37 2. Shoulder surfing . 14 6 . Distributed denial of service (DDoS) attack . 38 3. Spoofing . 15 Your fraud checklist . 39 4 . Call forwarding and porting . 16 Email scrutiny . 39 5 . New account fraud . 16 Verbally confirming client requests . 40 Identical or first-party disbursements . 17 Safe cyber practices . 41 1 . MoneyLink fraud . 19 What to do if fraud is suspected . 42 2 . Wire fraud . .. 19 Schwab Advisor Center® alerts . 43 3 . Check fraud . 20 4 . Transfer of account (TOA) fraud . 20 Phishing . 21 1 . Spear phishing . 23 2 . Whaling . .. 24 3 . Clone phishing . 24 4 . Social media phishing . 25 CONTENTS | 2 Introduction With advances in technology, we are more interconnected than ever . But we’re also more vulnerable . Criminals can exploit the connectivity of our world and use it to their advantage—acting anonymously How to use this to perpetrate fraud in a variety of ways . Fraud Encyclopedia Knowledge and awareness can help you protect your firm and clients and guard against cybercrime. -
Willing to Be Scammed: How Self-Control Impacts Internet Scam Compliance
Running head: Willing to be scammed: how self-control impacts Internet scam compliance Willing to be scammed: How self-control impacts Internet scam compliance Submitted by David Modic to the University of Exeter as a thesis for the degree of Doctor of Philosophy in Psychology In September 2012 This thesis is available for Library use on the understanding that it is copyright material and that no quotation from the thesis may be published without proper acknowledgement. I certify that all material in this thesis which is not my own work has been identified and that no material has previously been submitted and approved for the award of a degree by this or any other University. Signature: ………………………………………………………….. 2 WILLING TO BE SCAMMED WILLING TO BE SCAMMED 3 Abstract At any given moment in time, there are people complying with fraudulent requests (i.e. scams) on the Internet. While the incidence rates are low (between five and ten percent of the population becoming victims on a yearly basis), the financial and emotional consequences can be high. In this Thesis we composed a unified theory of which factors made individuals more likely to comply with scams and what psychological mechanisms are unwittingly employed by con-men to make their (illegitimate marketing) offers more enticing. The strongest overall predictor of scam compliance (i.e. the extent to which an individual is likely to comply with fraudulent requests) was the level of self-control, regardless of the observed stage of a scam. On the basis of previous research, we postulated and have empirically shown that falling for a scam is a 3-stage process (i.e. -
Important Safety Message Oakdale Police Department
Safety Important Safety Message Oakdale Police Department Likely Perpetrators Dear• St rangersOakdale preying Residents: on older people who may be isolated,lonely, confused, or desperate for attention. • Caregivers and persons in a position of trust who use fear or guilt to take advantage of a senior. Too• Foften,amilym eresidentsmbers with a crigetminal hooked history and by/or cona artists and scammers whose intent is toh istoryfinancially of drug abuse, exploitaddiction, them. or unemployment. It isn’t just the elderly, as anyone who has received unsolicited and suspicious phone calls, mail or email spam can attest.Signs that an Older Adult Might Thebe Oakdalein Trouble Police Department urges you to review this information and discuss• Unusual it rewithcent changesloved to ones, a person's friends, account, and especially those who may need a littleincluding extra atyphelp.ical withdrawals,This bookletnew person(s) offers information on various scams, tips to avoidadded, being or sudden exploited, repeated use and of the resources seniors' ATM to help. or credit card. If• youA large work check in written a financial to someone youinstitution, don't know. money transfer company or retail • industryA change (which in their powersells of prepaid attorney or cards the or money orders), you are in a unique beneficiarieson their insurance or investment positionaccounts. to stop a scam in progress. In fact, you may be the last person who can• Unusualstop the or unnecessary customer purchases, from suchlosing as buying a large amount of his or her assets. new golf clubs or a diamond bracelet. By• stayingUnnecessary alert, home repairs.sharing concerns, and asking questions you can help protect • yourselfBecoming and close others with a muchavoid younger financial person or harm. -
Zerohack Zer0pwn Youranonnews Yevgeniy Anikin Yes Men
Zerohack Zer0Pwn YourAnonNews Yevgeniy Anikin Yes Men YamaTough Xtreme x-Leader xenu xen0nymous www.oem.com.mx www.nytimes.com/pages/world/asia/index.html www.informador.com.mx www.futuregov.asia www.cronica.com.mx www.asiapacificsecuritymagazine.com Worm Wolfy Withdrawal* WillyFoReal Wikileaks IRC 88.80.16.13/9999 IRC Channel WikiLeaks WiiSpellWhy whitekidney Wells Fargo weed WallRoad w0rmware Vulnerability Vladislav Khorokhorin Visa Inc. Virus Virgin Islands "Viewpointe Archive Services, LLC" Versability Verizon Venezuela Vegas Vatican City USB US Trust US Bankcorp Uruguay Uran0n unusedcrayon United Kingdom UnicormCr3w unfittoprint unelected.org UndisclosedAnon Ukraine UGNazi ua_musti_1905 U.S. Bankcorp TYLER Turkey trosec113 Trojan Horse Trojan Trivette TriCk Tribalzer0 Transnistria transaction Traitor traffic court Tradecraft Trade Secrets "Total System Services, Inc." Topiary Top Secret Tom Stracener TibitXimer Thumb Drive Thomson Reuters TheWikiBoat thepeoplescause the_infecti0n The Unknowns The UnderTaker The Syrian electronic army The Jokerhack Thailand ThaCosmo th3j35t3r testeux1 TEST Telecomix TehWongZ Teddy Bigglesworth TeaMp0isoN TeamHav0k Team Ghost Shell Team Digi7al tdl4 taxes TARP tango down Tampa Tammy Shapiro Taiwan Tabu T0x1c t0wN T.A.R.P. Syrian Electronic Army syndiv Symantec Corporation Switzerland Swingers Club SWIFT Sweden Swan SwaggSec Swagg Security "SunGard Data Systems, Inc." Stuxnet Stringer Streamroller Stole* Sterlok SteelAnne st0rm SQLi Spyware Spying Spydevilz Spy Camera Sposed Spook Spoofing Splendide -
Model for Money Mule Recruitment in Malaysia: Awareness Perspective
PEOPLE: International Journal of Social Sciences ISSN 2454-5899 Vedamanikam et al, 2020 Volume 6 Issue 2, pp. 379-392 Date of Publication: 18th August, 2020 DOI- https://doi.org/10.20319/pijss.2020.62.379392 This paper can be cited as: Vedamanikam, M., Chethiyar, S. D. M. & Nasir, N. B. C. M. (2020). Model for Money Mule Recruitment in Malaysia: Awareness Perspective. PEOPLE: International Journal of Social Sciences, 6(2), 379-392. This work is licensed under the Creative Commons Attribution-NonCommercial 4.0 International License. To view a copy of this license, visit http://creativecommons.org/licenses/by-nc/4.0/ or send a letter to Creative Commons, PO Box 1866, Mountain View, CA 94042, USA. MODEL FOR MONEY MULE RECRUITMENT IN MALAYSIA: AWARENESS PERSPECTIVE Mohanamerry Vedamanikam Ph.D. Candidate (Psychology), School of Applied Psychology, Social Work and Policy, College of Arts and Sciences, University Utara Malaysia, Malaysia [email protected] Saralah Devi Mariamdaran Chethiyar Senior Lecturer, Psychology & Counselling Program, School of Applied Psychology, Social Work and Policy, College of Arts and Sciences, University Utara Malaysia, Malaysia [email protected] Norruzeyati bt Che Mohd Nasir Senior Lecturer, Psychology & Counselling Program, School of Applied Psychology, Social Work and Policy, College of Arts and Sciences, University Utara Malaysia, Malaysia [email protected] ______________________________________________________________________________ Abstract Technology advancement has taken a new shape in leading the world into digital civilization, remarkably in e-commerce, communication and financial sectors. Taking advantage of the technology, criminals have also digitalized their modus operandi targeting the digital society with fraud and cybercrimes, hence contributing illicit funds. -
Sentry Magazine Vol 1 No 6 Fall 1988 Winter 1989
For the Navy Security community Vol. 1, No. 6 Fall 1988/Wlnter 1989 Industrial Security It really exists , TEMPEST The lnvlslble thr_eal fS6:~.!~Y Vol. 1 No. 6 Fall 1988/Winter 1989 Security communitv Special features From the editor: Since last issue, I've received a lot Moving up·· MA and LDO Promotio11s ....................................... 4 of positive response from the Oeel Unique police duty at Navy's largest shipyard .................... & concerning the changes aod expansion of Sentry. This issue renects even more Security violations ...who's responsible ...............................22 changes, expanding into areas o( Jungle Patrol ........................................................................... 35 lndus1rial Security and Technical The Invisible Security threat·· TEMPEST............ ...............40 Security, and the growing Legal Issues, 'Alligator Muldoon' ·· SECSTA 's Sccuriry Officer .................... 46 Information Security and Personnel Finding fund$ for security .................................................... 50 Security sections. The command is also growing and The Navy Industrial SecUiity Program ............................... 54 changi11g. As of 1 October 1988, we are Defending against terrorism: Part 6: Mail Boml>s .................. 58 now the Naval Investigative Service Command (NISCOM), and have a new headquarters building 10 go with the News & Features new name. Our new loca1io.n is at the Washingto.11 Navy Yard, Building 111. Crime Prevention awards .................................................... -
Online Scammers and Their Mules in Malaysia
(2020) 26 JUUM 65 - 72 https://doi.org./10.17576/juum-2020-26-08 Online Scammers and Their Mules in Malaysia Mohamad Rizal Abd Rahman ABSTRACT Scammers have adopted various scam techniques in defrauding their victims. One of the most common ways is by engaging mules to assist them. This article discusses relevant legal provisions in Malaysia which are enforced against these illegal activities. The objectives are to highlight the significance of section 415 and 420 in dealing with online scammers, and section 414 and 424 in dealing with mules who assist them. Relevant cases are also cited to enable readers to understand the real scenario behind these scammers and their mules. The article ends with a scenario to be pondered in between human conscience and government intervention in order to prevent, if not eradicate, these illegal activities. Keywords: scam; mule; Malaysia; law INTRODUCTION testimony beforethe US Senate Governmental Affairs Committee on 2 March 2000: Humans are prone to be susceptible to matters which benefit them financially and emotionally. “The human side of computer security is easily exploited and Fake multilevel marketing or pyramid system, constantly overlooked. Companies spend millions of dollars on firewalls, encryption and secure access devices, and it’s money business opportunities, auctions, credit card offers, wasted, because none of these measures address the weakest loans, job vacancies, etc are the most common fake link in the security chain, the people who use, administer, “attractions” that scammers adopt in defrauding operate, and account for computer systems that contain others. Either by way of phishing, pharming, protected information.. -
Fighting Fraud: Senate Aging Committee Identifies Top 10 Scams Targeting Our Nation’S Seniors
United States Senate Special Committee on Aging Fighting Fraud: Senate Aging Committee Identifies Top 10 Scams Targeting Our Nation’s Seniors Senator Susan M. Collins (R-ME), Chairman Senator Robert P. Casey, Jr. (D-PA), Ranking Member Tips from the United States Senate Special Committee on Aging for Avoiding Scams • Con artists force you to make decisions fast and may threaten you. • Con artists disguise their real numbers, using fake caller IDs. • Con artists sometimes pretend to be the government (e.g. IRS). • Con artists try to get you to provide them personal information like your Social Security number or account numbers. • Before giving out your credit card number or money, please ask a friend or family member about it. • Beware of offers of free travel! If you receive a suspicious call, hang up and please call the U.S. Senate Special Committee on Aging’s Fraud Hotline at 1-855-303-9470 Note: This document has been printed for information purposes. It does not represent either findings or recommendations formally adopted by the Committee. Protecting Older Americans Against Fraud Unitedi d SSStates Senate SiSpeciall CommitteeCi on Aging i Table of Contents Dear Friends ...........................................................................................................................................3 Top 10 Most-Reported Scams ................................................................................................................4 Abbreviations ..........................................................................................................................................6 -
Identity Theft 7
1 2 DOWNEASTER COMMON SENSE GUIDE GONE PHISING JANET T. MILLS ANNE L. HEAD GOVERNOR COMMISSIONER WILLIAM N. LUND SUPERINTENDENT 3 Maine Bureau of Consumer Credit Protection Toll-free Maine Consumer Assistance Maine Foreclosure Prevention Hotline 1-800-332-8529 (1-800-DEBT-LAW) 1-888-NO-4-CLŌZ TTY users call Maine relay 711 (1-888-664-2569) www.Credit.Maine.gov The Maine Bureau of Consumer Credit Protection was established in 1975 to enforce a wide variety of consumer financial protection laws, including: -Consumer Credit Code -Truth-in-Lending Act -Fair Credit Billing Act -Truth-in-Leasing Act -Fair Credit Reporting Act -Fair Debt Collection Practices Act -“Plain Language” Contract Law The Bureau conducts periodic examinations of creditors to determine compliance with these laws, responds to consumer complaints and inquiries, and operates the state’s foreclosure prevention hotline and housing counselor referral program. The Bureau also conducts educational seminars and provides speakers to advise consumers and creditors of their legal rights and responsibilities. William N. Lund Superintendent July 2014 DOWNEASTER COMMON SENSE GUIDE: GONE PHISHING IDENTIFYING AND AVOIDING CONSUMER SCAMS By David Leach, MPA and Steven Lemieux, MBA Cover Design: Edward Myslik Copyright © 2014 Bureau of Consumer Credit Protection, State of Maine The contents of this book may be reprinted, with attribution. Maine residents can obtain additional free copies of this booklet by contacting the Bureau of Consumer Credit Protection at 207-624-8527 or toll-free at 1-800-332-8529. Non-Maine residents may purchase the publication for $6 per copy, or at a volume discount of $4 per copy on orders of 50 or more. -
GAO-14-213R, Financial Audit
On December 23, 2013, the enclosure was replaced to reflect SEC’s correction of certain unaudited information in its agency financial report, as discussed on page 1 of the enclosure. 441 G St. N.W. Washington, DC 20548 December 16, 2013 The Honorable Mary Jo White Chair United States Securities and Exchange Commission Financial Audit: Securities and Exchange Commission’s Fiscal Years 2013 and 2012 Financial Statements Dear Ms. White: This report transmits the GAO auditor’s report on the results of our audits of the fiscal years 2013 and 2012 financial statements of the United States Securities and Exchange Commission (SEC) and its Investor Protection Fund (IPF),1 which is incorporated in the enclosed U.S. Securities and Exchange Commission Fiscal Year 2013 Agency Financial Report. As discussed more fully in the auditor’s report that begins on page 54 of the enclosed agency financial report, we found • the financial statements are presented fairly, in all material respects, in accordance with U.S. generally accepted accounting principles; • SEC maintained, in all material respects, effective internal control over financial reporting as of September 30, 2013, although internal control deficiencies regarding information security exist that merit attention by those charged with governance; and • no reportable noncompliance in fiscal year 2013 with provisions of applicable laws, regulations, contracts, and grant agreements we tested. The Accountability of Tax Dollars Act of 2002 requires that SEC annually prepare and submit audited financial statements to Congress and the Office of Management and Budget.2 The Securities Exchange Act of 1934, as amended in 2010 by the Dodd-Frank Wall Street Reform and Consumer Protection Act (Dodd-Frank Act), requires SEC to annually prepare and submit a complete set of audited financial statements for IPF to Congress.3 We agreed, under our audit authority, to audit SEC’s and IPF’s financial statements. -
Stopping Senior Scams: Developments in Financial Fraud Affecting Seniors
HEARING BEFORE THE SPECIAL COMMITTEE ON AGING UNITED STATES SENATE Stopping Senior Scams: Developments in Financial Fraud Affecting Seniors Testimony of Timothy P. Camus Deputy Inspector General for Investigations Treasury Inspector General for Tax Administration February 15, 2017 Washington, D.C. TESTIMONY OF Timothy P. Camus Deputy Inspector General for Investigations TREASURY INSPECTOR GENERAL FOR TAX ADMINISTRATION before the SPECIAL COMMITTEE ON AGING UNITED STATES SENATE “Stopping Senior Scams: Developments in Financial Fraud Affecting Seniors” Chairwoman Collins, Ranking Member Casey, and Members of the Committee, thank you for the opportunity to testify on the topic of financial fraud affecting seniors. We appreciate the emphasis the committee has placed on educating our senior citizens about tax-related fraud, including schemes employed by criminals who impersonate Internal Revenue Service (IRS) employees and those who use lottery or sweepstakes swindles. The Treasury Inspector General for Tax Administration (TIGTA) was created by Congress in 1998 and is mandated to promote integrity in America’s tax system. It provides independent audit and investigative services to improve the economy, efficiency, and effectiveness of IRS operations. TIGTA’s oversight activities are designed to identify high-risk systemic inefficiencies in IRS operations and to investigate individuals and groups whose criminal activities assail the reputation and integrity of the IRS. TIGTA plays the key role of ensuring that the approximately 83,000 IRS employees1 who collected more than $3.3 trillion in tax revenue, processed more than 244 million tax returns, and issued more than $400 billion in tax refunds during Fiscal Year (FY) 2016,2 have done so in an effective and efficient manner while minimizing the risks of waste, fraud, and abuse. -
Handbook on Identity-Related Crime Cover Image © Dreamstime UNITED NATIONS OFFICE on DRUGS and CRIME Vienna
Handbook on Identity-related Crime Cover image © Dreamstime UNITED NATIONS OFFICE ON DRUGS AND CRIME Vienna Handbook on Identity-related Crime United Nations New York, 2011 10-58702_inner_FINAL.indd 1 29/03/2011 00:01 © United Nations, April 2011. All rights reserved. The designations employed and the presentation of material in this publication do not imply the expression of any opinion whatsoever on the part of the Secretariat of the United Nations concerning the legal status of any country, territory, city or area, or of its authori- ties, or concerning the delimitation of its frontiers or boundaries. This publication has not been formally edited. Publishing production: English, Publishing and Library Section, United Nations Office at Vienna. 10-58702_inner_FINAL.indd 2 29/03/2011 00:01 Foreword The present Handbook follows the release in 2007 of the United Nations study on “fraud and the criminal misuse and falsification of identity”, commissioned by UNODC and submitted to the United Nations Commission on Crime Prevention and Criminal Justice at its sixteenth session (E/CN.15/2007/8 and Add. 1-3), in line with Economic and Social Council resolution 2004/26. The main contribution and achievement of that study was two-fold: first, it adopted a broad approach on the concept of “identity-related crime” and considered it in an inclusive manner to cover all forms of illicit conduct involving identity, including offences described, often not consistently, as “identity fraud” and “identity theft”. Second, it dealt with the problems posed by identity-related crime from a new criminal justice perspective and the treatment of identity abuses as distinct criminal offences, as opposed to the traditional approach of criminalizing other activities commit- ted using false identities.