Security
Common Scams and Frauds
These are examples of common fraud schemes
(不一定是直接财务成员的经验).
Lottery Winnings Scam
Generally initiated via email or postal mail, 骗子寄来一封信，说你中了彩票. Within the letter, 通常会有指示要求你发送资金和/或你的银行账户信息, to pay for processing fees, taxes, 以及其他杂费，以便收到你的奖金. No legitimate lottery will ever require payment or bank account information to receive your winnings. Visit the follow FTC site for further details: http://www.consumer.ftc.gov/articles/fake-prize-sweepstakes-and-lottery-scams
Fraudulent Notification Regarding Your Account
You get an email, 电话或短信通知您，您的帐户已检测到欺诈行为. 这种沟通甚至可能看起来来自你自己的金融机构. You are asked to provide information, usually a credit card number or log in credentials, 解决所谓的欺诈或防止帐户被关闭.
Impersonation of Family or Friend
通常是通过电话，骗子利用你乐于助人的愿望. In a common version, 你接到一个电话，告诉你你的孙子有麻烦了，需要经济援助, 有时还会进一步解释说他们出了事故或被捕了. The fraudster asks you to withdraw a large sum of cash and states you cannot tell anyone about the situation, or the family member could get in more trouble. The fraudster may ask you to purchase gift cards, send the funds via western union, 或者安排一个当地的骗子从你家里拿走这笔钱.
冒充执法人员或政府机构
Generally done by phone call, the scammer will call you pretending to be from a government agency such as the Social Security Administration, the IRS, or even Medicare. They will often threaten that something bad will happen if you do not provide your personal information or provide what they are requesting. 你的来电显示甚至可能显示来电来自政府部门，但来电显示是可以伪造的. A scammer may also impersonate law enforcement, such as FBI, threatening that you may be arrested if you do not provide personal information or do not send them money. No government agency or law enforcement official will ever ask you for your personal information over the phone or request that you send them money! Visit the following FTC link for further details: http://www.consumer.ftc.gov/articles/how-avoid-government-impersonator-scam
Phony Virus Warning or “Scareware”
您在计算机上看到一个弹出消息，告诉您计算机中有病毒. 该消息可能看起来类似于合法的杀毒软件消息. In some case, 欺诈者试图向你出售几乎没有作用的虚假安全软件. In other cases, 这种欺诈可能涉及非法获取信用卡信息, 或者安装诸如击键记录程序等恶意软件. If you click to accept a download, you have likely allowed the installation of malicious software and given control of your computer to the fraudster.
Business Impersonation Scam
骗子会通过电话联系他们的受害者, email, or text and pose as someone from an often-well-known business such as Amazon or Norton Anti-Virus. The scammer will generally state that something is wrong with your account or that a charge has been made for something you didn’t purchase. They will request that you contact them immediately to rectify the issue and at that point they may also request access to your device to process a refund. Once they gain access to your device, they ask you to login to your online banking which in the process of doing so they are stealing your login credentials/gaining access to your accounts and account information. Visit the following FTC link for further details: http://www.consumer.ftc.gov/articles/how-spot-avoid-and-report-tech-support-scams
Employment Scam
骗子用和合法雇主一样的方式发布招聘广告——在线(在广告中), on job sites, and social media). 他们承诺给你一份工作，但他们想要的是你的钱和你的个人信息. 他们通常会寄给你一张支票，让你为这项工作购买设备或材料. 他们也可能要求你用这笔钱购买礼品卡. No legitimate potential employer will ever send you a check and then tell you to send on part of the money or buy gift cards with it. 支票将被退回，银行将要求你偿还假支票的金额. Visit the following FTC link for further details: http://www.consumer.ftc.gov/articles/job-scams
Fake Check/Overpayment Scam
骗子会通过在线销售广告联系他们的受害者, such as an ad on Craigslist or Facebook Marketplace, asking to purchase the item. The scammer will send their victim a check in an amount that is more than the agreed upon purchase price and ask the victim to send the overage back to them immediately. 支票被退回，而受害者则要承担损失. Visit the following FTC link for further details: http://www.consumer.ftc.gov/features/fake-check-scams