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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. -
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 -
FINANCIAL CRIME DIGEST July 2020
FINANCIAL CRIME DIGEST July 2020 Diligent analysis. Powering business.™ aperio-intelligence.com FINANCIAL CRIME DIGEST | JULY 2020 ISSN: 2632-8364 About Us Founded in 2014, Aperio Intelligence is a specialist, independent corporate intelligence frm, headquartered in London. Collectively our team has decades of experience in undertaking complex investigations and intelligence analysis. We speak over twenty languages in- house, including all major European languages, as well as Russian, Arabic, Farsi, Mandarin and Cantonese. We have completed more than 3,000 assignments over the last three years, involving some 150 territories. Our client base includes a broad range of leading international fnancial institutions, law frms and multinationals. Our role is to help identify and understand fnancial crime, contacts, cultivated over decades, who support us regularly integrity and reputational risks, which can arise from a lack in undertaking local enquiries on a confdential and discreet of knowledge of counterparties or local jurisdictions, basis. As a specialist provider of corporate intelligence, we enabling our clients to make better informed decisions. source information and undertake research to the highest legal and ethical standards. Our independence means we Our due diligence practice helps clients comply with anti- avoid potential conficts of interest that can affect larger bribery and corruption, anti-money laundering and other organisations. relevant fnancial crime legislation, such as sanctions compliance, or the evaluation of tax evasion or sanctions We work on a “Client First” basis, founded on a strong risks. Our services support the on-boarding, periodic or commitment to quality control, confdentiality and respect retrospective review of clients or third parties. for time constraints. -
Catfishing”: a Comparative Analysis of U.S
“CATFISHING”: A COMPARATIVE ANALYSIS OF U.S. V. CANADIAN CATFISHING LAWS & THEIR LIMITATIONS Antonella Santi* I. INTRODUCTION ................................................................................... 75 II. BACKGROUND .................................................................................... 78 A. Catfishing– what is it? ...................................................................... 78 B. Harms of Catfishing .......................................................................... 78 C. Why do Perpetrators Catfish? ........................................................... 81 1. Loneliness ................................................................................ 81 2. Dissatisfaction with Physical Appearance ............................... 81 3. Sexuality and Gender Identity .................................................. 82 D. The Victim: Who Succumbs to Catfishing Schemes? ...................... 82 E. Society’s Contribution to Catfishing ................................................. 83 III. U.S. ANTI-CATFISHING LAWS ........................................................ 85 A. Federal Law ...................................................................................... 85 1. The Federal Identity Theft and Assumption Deterrence Act of 1998 ............................................................................................... 85 2. The Interstate Communications Act ......................................... 85 3. The Federal Interstate Stalking Punishment and Prevention Act ...................................................................................................... -
The SEON Online Fraud Dictionary - 2021 Edition
EBOOK The SEON Online Fraud Dictionary - 2021 Edition SEON Technologies Ltd. [email protected] seon.io +44 20 8089 2900 1 The SEON Online Fraud Dictionary - 2021 Edition The SEON Online Fraud Dictionary - 2021 Edition All the analysts agree: online fraud is going to increase in the upcoming years. And at SEON, our job is both to fight it, and to help companies prepare against attacks. This is why we wanted to compile a list of all the useful terms you might need to understand, prevent, and combat fraud. The vocabulary of online security and cybercrime evolves fast, and it’s important to keep up with the latest terms. But it’s also important to know the basics if this is your first entry into the world of cybercrime. We’ve compiled a list of both in this dictionary. 2 The SEON Online Fraud Dictionary - 2021 Edition 2FA Stands for 2-factor authentication. When a user wants to access a website or app, they need to provide a single piece of authentication (SFA) in the form of a password. Adding another method is called 2-factor authentication, and it improves security. You will also hear the name multi-factor authentication. Authentication factors can include facial scans, ID cards, SMS confirmations, security tokens, or biometric fingerprints, amongst others. According to Google, 2FA helps reduce 66% of targeted attacks, and 99% of bulk phishing attacks. 3D Secure A security protocol designed for online credit and debit card transactions. It is designed as an additional password validated by the issuer, which helps transfer liability to the customer in case of fraud. -
Copyrighted Material
1 The Many Faces of Evil Online Human wickedness is sometimes the product of a sort of conscious leeringly evil intent… But more usually it is the product of a semi‐deliberate inattention, in a swooning relationship to time. Iris Murdoch1 1.1 Introduction In May 2008, hackers bombarded the website of the Epilepsy Foundation of America with hundreds of pictures and links. The site provides advice, news on scientific research and contacts for people who suffer from epilepsy. People who suffer from epileptic seizures have to manage their condition carefully and need regular checkups and medical advice. Epilepsy patients often take precautionary mea- sures to deal with situations where they may be incapacitated and unable to act. Some patients suffer from what is called “photosensitive epilepsy,” which means that flickering and flashing images may trigger epileptic seizures. The hackers who attacked the Landover site exploited a security flaw and inserted links to pages with rapidly flashing images. These images were perceived inadvertently by epilepsy patients who were looking for medical information on the website and triggered severe migraines and near‐seizure reactions in some site visitors. “They were out to create seizures,” said Ken Lowenberg, senior director of web and print publishing for the COPYRIGHTED MATERIAL 1 Iris Murdoch, The Black Prince, Harmondsworth: Penguin, 1973, p. 189. Evil Online, First Edition. Dean Cocking and Jeroen van den Hoven. © 2018 John Wiley & Sons Ltd. Published 2018 by John Wiley & Sons Ltd. 0003386160.indd 1 3/6/2018 6:46:20 AM 2 The Many Faces of Evil Online foundation.2 The hackers did not seem to be interested in money or in control over the victim’s computer; they just wanted to create this impact on vulnerable people. -
2015 Buyer's Guide
Janmagazine_Layout 1 12/29/14 11:56 AM Page 1 Communications & new media Jan. 2015 II Vol. 29 No. 1 2015 BUYER’S GUIDE PRODUCTS & SERVICES IN MORE THAN 50 CATEGORIES FOR THE PR INDUSTRY BROADCAST MONITORING, SPEECH TRAINING, VIDEO, PRESS RELEASE DISTRIBUTION, CLIPPING SERVICES, COPYWRITING, PRINT SERVICES, TV PRODUCTION, RADIO, MEDIA MONITORING, MEDIA TOURS, NEWSWIRES, WEBCASTS, SOCIAL MEDIA, SATELLITE SERVICES, PSA’S & MORE! SPECIAL FEATURE: CRISIS COMMUNICATIONS Why no company is immune to a data breach Shareholder activism goes mainstream Top crisis blunders of 2014 Crisis training for campus sexual assault Crisis preparation in the digital age January 2015 | www.odwyerpr.com Nuance matters over formula in a crisis Profiles of crisis communications PR firms Janmagazine_Layout 1 12/29/14 11:56 AM Page 2 Janmagazine_Layout 1 12/29/14 11:56 AM Page 3 Janmagazine_Layout 1 12/29/14 11:56 AM Page 4 Vol. 29, No. 1 January 2015 EDITORIAL CRISIS PREPARATION IN PR, journalism jobs are stressful. THE DIGITAL AGE Favorable outcomes in today’s TRUSTEE OBJECTS TO SALE OF 6 28 crises come to those who prepare. BULLDOG ASSETS A bankruptcy trustee has objected to CIA PUBLIC AFFAIRS LEAKED Bulldog Reporter’s plans to sell assets.8 FALSE INFORMATION A Senate Intelligence Committee PR “FAILS” OF 2014 30 report reveals shocking details. Bill Cosby, the NFL, and GM top O’Dwyer’s PR “fails” of the year. THE LOST ART OF PAUSING 10 10 IN TIMES OF CRISIS Silence, reflection accompanies 2014, THE YEAR IN REVIEW 32 preparation in times of crisis. Jack O’Dwyer recounts the top PR stories of the year. -
Impostor Scams
University of Michigan Journal of Law Reform Volume 54 2021 Impostor Scams David Adam Friedman Willamette University Follow this and additional works at: https://repository.law.umich.edu/mjlr Part of the Internet Law Commons, and the Torts Commons Recommended Citation David A. Friedman, Impostor Scams, 54 U. MICH. J. L. REFORM 611 (2021). Available at: https://repository.law.umich.edu/mjlr/vol54/iss3/3 https://doi.org/10.36646/mjlr.54.3.imposter This Article is brought to you for free and open access by the University of Michigan Journal of Law Reform at University of Michigan Law School Scholarship Repository. It has been accepted for inclusion in University of Michigan Journal of Law Reform by an authorized editor of University of Michigan Law School Scholarship Repository. For more information, please contact [email protected]. IMPOSTOR SCAMS David Adam Friedman* ABSTRACT Impostor scams have recently become the most common type of consumer scam in America, surpassing identity theft. It has never been easier and more profitable to be an impostor scammer. Though the core of these scams dates back centuries, these fraudsters consistently find novel ways to manipulate human motives and emotions. Nonetheless, the public should not give up hope. Policymakers and private actors can slow down this scourge if they focus on the key chokepoints that impostor scammers rely upon to achieve their ends. This Article provides a roadmap for a solution to impostor scams, offering specific suggestions for mitigating this fraud today, while advocating the adoption of a “least-cost avoider” approach to address the whole of the ongoing problem. -
CRIMINAL JUSTICE in AMERICA FIFTH EDITION Cja Unit1a:Layout 1 7/10/2012 2:10 PM Page 1
CRIMINAL JUSTICE IN AMERICA FIFTH EDITION cja_unit1a:Layout 1 7/10/2012 2:10 PM Page 1 CRIMINAL JUSTICE IN AMERICA FIFTH EDITION Developed by Marshall Croddy Bill Hayes cja_unit1a:Layout 1 7/10/2012 2:10 PM Page 2 601 South Kingsley Drive T. Warren Jackson, Chair Los Angeles, California 90005 Marshall P. Horowitz, Chair, (213) 487- 5590 Publications Committee www.crf-usa.org Jonathan Estrin, President Marshall Croddy, Vice President Developed by Subject Matter Consultants Marshall Croddy and Bill Hayes (Various Editions) Richard Chrystie, Deputy District Attorney, Board Reviewers Los Angeles County Marshall P. Horowitz, Lisa Rockwell, Val Cole, Deputy District Attorney, Patrick Rogan, K. Eugene Shutler, Los Angeles County Douglas Thompson, Lois Thompson Star French, Deputy Probation Officer, Editor Los Angeles County Bill Hayes John Hud, Criminal Defense Attorney, Bozeman, Montana Contributing Writers (Various Editions) Daniel E. Lewis, Attorney, Los Angeles Bill Hayes, Marshall Croddy, Todd Clark, Julia Rider, Luce, Forward, Hill, Jeffer & Teri Engler, Lucy Eisenberg, Damon Huss, Mangels Sandy Kanengiser, Carlton Martz, Betsy Devallis Rutledge, Special Counsel to the Salzman, Eden Kusmiersky, Coral Suter, District Attorney, Los Angeles County Charles Tremper, Michelle Ng, Roy Kim, Richard Simonian, Superintendent, C.K. Shruti Modi, Anjelica Sarmiento, Sophia Khan, Wakefield School, Fresno County Probation Marianna Muratova Department Researchers Captain Robert Taylor, Commanding Officer, (Various Editions) Juvenile Division, Los Angeles Police Rick Bhasin, Luke Delgado, and Michael Sokolson Department Kerry White, Head Deputy District Attorney, Production Juvenile Division, Los Angeles County Andrew Costly, Designer Library of Congress Cataloging-in-Publication Data Criminal justice in America / developed by Marshall Croddy and Bill Hayes ; edited by Bill Hayes ; written by Bill Hayes .. -
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. -
Brought to You by CFCU Community Credit Union TWISTS of FAKE New and Time-Tested Threats to Your Identity
Brought to you by CFCU Community Credit Union TWISTS OF FAKE New and time-tested threats to your identity Welcome to the scammer’s worst nightmare: this eBook! Within these pages, you’ll find tips on identity theft prevention, information on the most popular and prevalent scams, methods for safeguarding your personal information and much more. Read it now, and save it for further reference. Here at your credit union, we want to help you maintain your peace of mind and financial security! TABLE OF CONTENTS An Ounce of Prevention E-Statements: Safer than Paper Statements? 1 Keep Your Social Security Cards Secure 2 Identity Theft Prevention: Shredding 3 Secure Your Social Security Number 4 Going Away for the Holidays? Don’t Announce It Online … Until You’re Back 5 Shoulder Surfing 6 Handle It At Once 7 Safely Shopping Online 8 Financial Self-Defense: Diversify! 9 A Growing Threat To Small Businesses 11 Vacation Rental Scam 13 House Stealing 14 Fax Machines 15 Fake Job Listings 16 Online Safety 17 Check Fraud 18 Medical Identity Theft 19 Identity Theft Insurance 20 High Tech – Low Morals Beta Bots, Malware and Scams 21 Beyond The Password – Why We Need Better Computer Security 22 Pinterest Scams: Protect Yourself 24 Identity Theft And Technology – Including Social Media 26 Are You Inviting Thieves At Social Networking Sites? 28 Online Scams 29 Online Banking: Is it Safe? 30 Identity Theft: Storing Passwords 31 Identity Theft: Creating Passwords 32 The Importance Of Antivirus Software 33 How ‘Spoofing’ Can Happen From Legitimate Websites 34 Peer-To-Peer -
Young Victims of Financial Crime Inquiry
financial crime appg and scamming YOUNG VICTIMS OF FINANCIAL CRIME INQUIRY 2018 REPORT www.appgfinancialcrime.org www.appgfinancialcrime.org 1 FOREWORD EXECUTIVE SUMMARY FRAUD IS THE VOLUME The recommendations set out below 2. Social media platforms should be proactive in CRIME OF THE 21ST CENTURY arise from the inquiry undertaken by preventing scams from being promoted on their platforms and raise awareness amongst their the All Party Parliamentary Group on AND, UNLESS STEPS ARE users: TAKEN TO ARREST ITS Financial Crime and Scamming. • Social media organisations should do more GROWTH, THIS CRIME WILL The background to the inquiry is the significant to warn young people of the dangers of CONTINUE TO GROW. increase in the number of young people who have oversharing information online and of the fallen victim to fraud together with an increase in practice of those who recruit ‘money mules’ young people drawn into crime who allowed their through social media channels. bank accounts to be used to launder the proceeds of crime4. • Social media channels should also be more The most recent Office of National Statistics England and Wales Crime Survey proactive in vetting advertisements promising The APPG has been keen to focus on how to “easy money”. showed that there were over three million incidents of fraud in the year ending educate young people so that they have an 1 March 2018 . increased awareness of the danger of oversharing 3. Law enforcement should have dedicated information and are more wary of adverts on social resources focused on the investigation and Fraud is the volume crime of the 21st century and, unless steps are taken to arrest its growth, this crime will media that promise “easy money” by allowing their disruption of money mule networks.