AVOID BECOMING THE AVOID BECOMING THE NEXT VICTIMNEXT VICTIM

SCAMSSCAMS

COUNTERFEIT CHECKSCOUNTERFEIT CHECKS Use “Off-the-Shelf” Check Writing Software

Use High Quality Scanners Printers and Paper

May Contain Security Features (ie. Watermarks, Micro Printing) Printed with Names of Legitimate Financial Institutions and Companies (US or Foreign)

Bank Account #s and Routing #s May Be Real (obtained thru ID Theft) Money Orders Cashiers Checks Personal Checks Corporate Checks Travelers Checks U.S. Treasury Checks

YOUR NAME HERE

YOUR NAME HERE

YOUR NAME HEREYOUR NAME HERE

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 you’ve deposited, does not mean the check is good !!!!!

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

COUNTERFEIT CHECKSCOUNTERFEIT CHECKS

ONLINE AUCTION / CLASSIFIED AD SCAMONLINE AUCTION / CLASSIFIED AD SCAM

craigslist

“Buyer” sends overpayment for goods to cover S&H “Buyer” requests refund via wire transfer for remainder of money “Buyer’s” payment is fraudulent and Seller loses the $

OROR “Buyer” sends exact payment for goods “Buyer” waits for the Seller to deposit payment “Buyer” demands a refund due to family emergency, financial crisis, etc. “Buyer’s” payment is fraudulent and Seller loses the money

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

ONLINE AUCTION / CLASSIFIED AD SCAMONLINE AUCTION / CLASSIFIED AD SCAM

SECRET SHOPPER SCAMSECRET SHOPPER SCAM 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

MONEYMONEYMULEMULE $$$

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.

EMPLOYMENT SCAMEMPLOYMENT SCAM

“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

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

Victim’s 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”

EMPLOYMENT SCAMEMPLOYMENT SCAM

VARIATIONVARIATION:

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.

EMPLOYMENT SCAMEMPLOYMENT SCAM

LAWLAW ENFORCEMENTENFORCEMENT

SCAMSSCAMS 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

USSS SCAM EMAILUSSS SCAM EMAIL

NIGERIAN ADVANCE FEE / 419NIGERIAN ADVANCE FEE / 419SCAMSSCAMS

Government Official, Lawyer, Judge, Law Enforcement, Doctor, Widow, CEO Official Looking Documents or Checks

Sense of Urgency

Confidential nature emphasized

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

“Wire”, “Send”, “Ship” $ or Deposit $ Into Account

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

CHARACTERISTICS:

CREDIT CARD SECURITYCREDIT CARD SECURITYSCAMSCAM

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, mother’s maiden name, CVV or CVC number, etc.

PHISHINGPHISHING

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

Sender pretends to be a legitimate company or bank.

A fraudulent scheme involving ID Theft typically by email.

PHISHING EXAMPLEPHISHING EXAMPLE

What is a fraudulent scheme usingSMS texting on cell phones

called?

A fraudulent scheme involving ID Theftby email is called

“PHISHING”.

SMISHINGSMISHING

TO: YOUR NAME HERE <YOUR EMAIL ADDRESS HERE>FROM: Unidentified <undisclosed.email@yahoo.com>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 you……

Lucky You,X

HITMAN SCAM EMAILHITMAN SCAM EMAIL

HITMAN SCAMHITMAN SCAM

Scammer threatens the victim with death or kidnapping or threatens the victim’s 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

COMPUTER VIRUSCOMPUTER VIRUSSCAMSSCAMS

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

** 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

COMPUTER VIRUS SCAM EXAMPLECOMPUTER VIRUS SCAM EXAMPLE

UPS Delivery Problem NR 02908 Wednesday, March 31, 2010 5:33 AMFrom: "Manager Ben Rhodes" support@ups.com Add sender to ContactsTo: xxxxxxxxx@xxxxxx.comMessage contains attachments

Dear customer! We were not able to deliver your postal package which was sent on the 22nd ofDecember 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.

1 File (47KB) UPS_invoice_6845.zip

COMPUTER VIRUS SCAM EXAMPLECOMPUTER VIRUS SCAM EXAMPLE

COMPUTER VIRUS SCAM EXAMPLECOMPUTER VIRUS SCAM EXAMPLE

COMPUTER VIRUS SCAM EXAMPLECOMPUTER VIRUS SCAM EXAMPLE

WHAT SHOULD YOU DO ?WHAT SHOULD YOU DO ? STOP!STOP! THINK FIRST, ACT SECOND !!!

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

Companies/Agencies should never ask you for your personal information over the phone or via e-mail. DON’T 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.

IRS TAX RETURNIRS TAX RETURNSCAMSCAM

Rebate Phone Calls Tax Refund E-Mails Audit E-Mails

Check Verification Phone Calls