27 Haziran 2016 Pazartesi

E-posta ve elektronik dolandırıcılıklar artış gösteriyor.

Fraudsters are getting smarter and more creative

Three quarters of Canadians who participated in the latest survey conducted for Chartered Professional Accountants of Canada1 reported being more concerned about fraud today than they were five years ago and a third of them said they had been victims of financial fraud.

People are particularly worried about online shopping and the protection of personal information when using social media or email. Seventeen percent said they had corresponded, either through social media or email, with someone who had misrepresented their true identity, and 14 percent reported that someone had gained access to one of their email accounts without permission.

The survey found that the trend in financial fraud stabilized at 33 percent compared to 2015. Sixty-five per cent of respondents in this group said they had been victims of credit card fraud.

The 2016 Association of Financial Professionals Payments Fraud and Control Survey2 found that a majority of organizations were exposed to email compromise fraud in 2015 and 73 percent had a payment fraud attack. Almost half (48 percent3) of businesses were exposed to wire fraud.

The federal government's Canadian Anti-Fraud Centre's (CAFC) senior fraud specialist Daniel Williams and his colleagues help Canadian businesses and citizens stay ahead of these fraudsters. It isn't easy - fraudsters are creative, clever and motivated, putting all businesses at risk.

In addition to malware attacks and the credit card and other types of identify fraud that have plagued organizations for the last decade or more, Williams reports that Canadian businesses are increasingly being hit by what the CAFC calls "spear phishing scams." The fraudsters pose as an executive or owner of a company, directing someone in-house to send a large wire payment.

Another currently trending scam is the "supplier swindle," in which a supplier's email accounts are hacked and the fraudsters gather information on recent orders and money owing. An email from the supplier's address advises that they've had a problem with their usual account and need the buyer to send the amount owing to an alternative account.

While it's comforting to believe that most financial professionals would never be so trusting, these trends have already caused Canadian businesses significant losses, says Williams. "The raw numbers of victims reporting are quite low, but the dollar loss is just off the charts. Most are over USD50,000. The supplier swindle is usually in the range of USD160,000 to USD170,000."

Foiling fraudsters, one precaution at a time

  • Take precautions with all bank transactions. Implement voice verification protocols, advises the CAFC; plan in advance to require voice contact before sending more than USD25. Be especially wary of any urgent request.
  • Remember, HSBC will never request information that could be used to make a payment, such as asking you to provide security device codes or requiring you to divulge any of your security details over the phone.

If you are interested in learning more about payment fraud and cybercrime, please click here to listen to the International Cash Payment webinar.

  1. https://www.cpacanada.ca/en/connecting-and-news/news/media-centre/2016/march/fraud-survey
  2. http://www.antifraudcentre-centreantifraude.ca
  3. http://www.afponline.org/fraud/

fraudsters are creative, clever and motivated, putting all businesses at risk


The information presented is not meant to be comprehensive and does not constitute financial, legal, tax or other professional advice. You should not act upon the information contained in this document without first obtaining specific professional advice. While reasonable care has been taken in preparing this document, HSBC does not make any guarantee, representation or warranty (express or implied) as to its accuracy or completeness. The information presented in this document is subject to change without notice.

Certain of the products and services offered by HSBC and its subsidiaries and affiliates are subject to credit adjudication and approval. This document does not constitute an offer to provide the services and products described and the provision of such services and products remains subject to contract.

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