Fraud Alerts http://fcnb.ca/fraud-alerts.html hourly 1 1970-01-01T00:00+00:00 Financial Crime Trend Bulletin: The Top 10 http://fcnb.ca/pc_url_39138869 <div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><span style="" class="heading1"><img width="400" align="left" src='//0104.nccdn.net/1_5/086/12a/0e2/CAFC-Top-Ten-Frauds.jpg' style="margin: 15px 15px 15px 0px;float: left" height="267" size="400" border="0" daid="18074092">CAFC Bulletin Alert: </span><font style="" class="heading1">The Top 10</font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">In 2019, the CAFC received 46,465 fraud reports from Canadian consumers and businesses. The total reported Canadian losses were $96,163,328.64. The following tables demonstrate the Top 10 Frauds from 2019, as reported to the Canadian Anti-Fraud Centre.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight"><br></font></div><div class="plain"><font style="" class="highlight"><br></font></div><div class="plain"><font style="" class="highlight"><br></font></div><div class="plain"><font style="" class="highlight"><br></font></div><div class="plain"><font style="" class="highlight"><br></font></div><div class="plain"><font style="" class="highlight"><br></font></div><div class="plain"><font style="" class="highlight">Top 10 frauds affecting Canadians ranked by number of reports:</font></div><div class="plain"><b><br></b><table style="border:none" cellspacing="0" cellpadding="0" class="plain" border="1"> <tbody><tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"><b>Fraud Type</b></font></p></td><td width="160" valign="top" style="" class="plain"><font style="" class="plainlarge"><b>Reports</b></font></td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"><b> Victims</b></font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"><b> Dollar Loss</b></font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Extortion</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 10,278</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 2,101</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $9,233,115.11</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Personal Info</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 7,642</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 5,262</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> </font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Phishing</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 5,053</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,384</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> </font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Service</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 3,547</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,779</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $7,158,372.64</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Merchandise</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 2,452</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,759</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $2,593,007.04</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Sale of merchandise</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 2,211</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,526</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $2,686,904.31</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Job</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,702</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 682</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $2,157,587.03</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Prize</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,200</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 318</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $3,386,269.00</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Bank Investigator</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,083</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 366</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $3,237,667.43</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Romance</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 975</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 682</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $18,327,896.93</font></p> </td> </tr> </tbody></table><div align="left"><font style="" class="plainlarge"><br></font></div><font style="" class="highlight">Top 10 frauds affecting Canadians ranked by dollar loss:</font></div><div class="plain"><b><br></b><table style="border:none" cellspacing="0" cellpadding="0" class="plain" border="1"> <tbody><tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> <b>Fraud Type</b></font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"><b>Reports </b></font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"><b> Victims</b></font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"><b> Dollar Loss</b></font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Spear Phishing</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 830</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 445</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $21,404,827.08</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Romance</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 975</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 682</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $18,327,896.93</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Investments</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 352</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 288</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $10,719,376.29</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Extortion</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 10,278</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 2,101</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $9,233,115.11</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Service</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 3,547</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,779</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $7,158,372.64</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Prize</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,200</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 318</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $3,386,269.00</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Bank Investigator</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,083</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 366</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $3,237,667.43</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Sale of merchandise</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 2,211</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,526</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $2,686,904.31</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Merchandise</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 2,452</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 1,759</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $2,593,007.04</font></p> </td> </tr> <tr> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge">Timeshare</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 89</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> 66</font></p> </td> <td width="160" valign="top" style="" class="plain"> <p class="plain"><font style="" class="plainlarge"> $2,477,196.56</font></p> </td> </tr> </tbody></table><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Note: It is estimated that less than 5% of fraud victims report their occurrences to the CAFC.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Top Tips to Protect Yourself</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plainlarge">Create strong passwords for each of your accounts.</li><li class="plainlarge">Setup multi-factor authentication to make it more difficult for someone else to access your accounts.</li><li class="plainlarge">Update the privacy settings attached to your social network accounts.</li><li class="plainlarge">Be familiar with the terms of service and how payment methods work before using them. Look for a fraud protection policy.</li><li class="plainlarge">Never, under any circumstances, accept money and send money to a third party. You may, unknowingly, be participating in money laundering which is a criminal offence.</li><li class="plainlarge">Avoid reacting automatically. Take five minutes to ask additional questions and listen to your instincts. If something doesn’t seem right, ask someone else about it.</li><ul><li class="plainlarge">Note: Encourage others to take five minutes via social media by using #Take5 and tag us @canantifraud.</li></ul><li class="plainlarge">Remain current on frauds and protect others by sharing what you know. Tell two others and ask them to do the same. An unbroken chain of 25 people telling two would cover the entire population of Canada.</li><ul><li class="plainlarge">Note: If you are going to tell two via social media, use #Tell2 and tag us at @canantifraud.</li></ul><li class="plainlarge">Do not trust the information on your call display because it can easily be manipulated.</li><li class="plainlarge">Do not provide your personal or financial information on demand.</li><li class="plainlarge">Do not open an attachment or click a link in an unsolicited email or text message.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti-Fraud Centre at 1-888-495-8501 or report online at <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">www.antifraudcentre.ca</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><font style="" class="plainsmall"><br></font></div><div class="plain"><font style="" class="plainsmall"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div> FCNB 2020-02-18T07:59:27-08:00 Financial Crime Trend Bulletin: The Top 10 Financial Crime Trend Bulletin: Spear Phishing http://fcnb.ca/pc_url_39115191 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/03b/15e/356/Spear-Phishing.jpg' style="margin: 15px 15px 15px 0px;float: left" height="140" size="250" border="0" daid="18059830">CAFC Bulletin Alert: Spear Phishing</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Spear phishing is one of the most common and most dangerous attack methods currently used to conduct fraud, usually on businesses and organizations. Fraudsters take their time to collect information on their intended targets, so they can send convincing emails seemingly from a trusted source.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Fraudsters will infiltrate or spoof a business email account. They create a rule to send copies of incoming emails forwarded to one of their own accounts. They comb through these emails to:</font><ul><li class="plainlarge">study the sender’s use of language </li><li class="plainlarge">look for patterns linked to important contacts, payments, and dates</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Fraudsters launch their attack when the owner of the email account can’t be easily contacted by email or by phone. It may look like a top executive sending an email to their Accounts Payable requesting that they make an urgent payment to close a private deal.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If the fraudsters haven’t infiltrated the executive’s email account, they may set up a domain similar to the company’s and use the executive’s name on the account. The contact information they need is often found on the company’s website or through social media.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Variations of Spear Phishing attacks include:</font><ul><li class="plainlarge">A business receives a duplicate invoice with updated payment details supposedly from an existing supplier</li><li class="plainlarge">An accountant or financial planner receives a large withdrawal request that looks like it’s coming from their client’s email</li><li class="plainlarge">Payroll receives an email claiming to be from an employee looking to update their bank account information</li><li class="plainlarge">Members of a church, synagogue, temple, or mosque receive a donation request by email claiming to be from their religious leader</li><li class="plainlarge">An email that seems to come from a trusted source asks you to download an attachment, but the attachment is malware that infiltrates an entire network or infrastructure</li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight">Warning Signs</font></div><div class="plain"><b><br></b><ul><li class="plainlarge">Unsolicited emails</li><li class="plainlarge">Direct contact from a senior official you are not normally in contact with</li><li class="plainlarge">Requests for absolute confidentiality</li><li class="plainlarge">Pressure or a sense of urgency</li><li class="plainlarge">Unusual requests that do not follow internal procedures</li><li class="plainlarge">Threats or unusual promises of reward</li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight">How to Protect Yourself</font></div><div class="plain"><b><br></b><ul><li class="plainlarge">Remain current on frauds targeting business and educate all employees</li><ul><li class="plainlarge">Include fraud training as part of new employee onboarding</li></ul><li class="plainlarge">Put in place detailed payment procedures</li><ul><li class="plainlarge">Encourage a verification step for unusual requests</li></ul><li class="plainlarge">Establish fraud identifying, managing and reporting procedures</li><li class="plainlarge">Avoid opening unsolicited emails or clicking on suspicious links or attachments</li><li class="plainlarge">Take a few seconds to hover over an email address or link and confirm that they are correct</li><li class="plainlarge">Restrict the amount of information shared publicly and show caution with regards to social media</li><li class="plainlarge">Upgrade and update technical security software</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti-Fraud Centre at 1-888-495-8501 or report online at <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">www.antifraudcentre.ca</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><div class="plain"><br></div><p class="plain"></p> FCNB 2020-01-10T07:22:21-08:00 Financial Crime Trend Bulletin: Spear Phishing FRAUD ALERT – Double Dip Scam & Victim Lists http://fcnb.ca/pc_url_39088694 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/387/27e/194/Recovery-Scam.png' style="margin: 15px 15px 15px 0px;float: left" height="250" size="250" border="0" daid="18047914">FRAUD ALERT – Double Dip Scam & Victim Lists </font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">The recovery pitch scam, more commonly known as the double dip scam, involves a consumer or investor that has previously lost money in a fraudulent situation. </font>Scammers will target these individuals with the claim that they will be able to recover all or some of the funds lost in the previous scam. Sometimes the caller is the person who scammed the individual in the first place.  The scam artist may portray themselves as members of law enforcement or other type of authority to gain credibility. </div><div class="plain"><br></div><div class="plain"><font style="" class="plainlarge">One of the ways these scams are made possible is the use of victim lists. The victim list increases the chances that someone who previously lost money, will be targeted again. When a consumer or investor has been duped into sharing money, or even personal information, their name is often added to a “victim’s list”, which is then shared or sold among various underground scam artists. These scam artists then start contacting the individuals on the list with various suspicious pitches in the hopes they will fall victim again.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight">How to recognize the Double Dip Scam:</font></div><div class="plain"><b><br></b><ul><li class="plainlarge"><b>Being contacted out of the blue –</b> ask the question, who is the person calling? How did they get my contact information? We frequently tell our young ones not to talk to strangers, the same goes for unsolicited contact. </li><li class="plainlarge"><b>Promises that sound too good to be true </b>– ask the question, does this sound like something legitimate, or is this a promise that overpromises? </li><li class="plainlarge"><b>Being pressured to act quickly </b>– ask the question, have I had time to think this through? Regardless of what promises they make to try to entice you, it’s always best to take the time to ask questions, shop around and make sure you understand what you are agreeing to. </li><li class="plainlarge"><b>Unusual payment methods </b>– ask the question, why are they asking me to pay with bitcoin or gift cards? Scam artists like quick and easy payment methods that are hard to trace, and almost impossible to undo. Being asked to pay with anything other than money is a red flag of fraud. </li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight">What to do if you receive a Double Dip scam call:</font></div><div class="plain"><b><br></b><ul><li class="plainlarge">Disregard the call or hang up. </li><li class="plainlarge">Do not provide personal information, credit card numbers, or other financial information to the scammer.</li><li class="plainlarge">Report the scam to the Canadian Anti-Fraud Centre.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight"><b>Where to report the Double Dip scam:</b></font></div><div class="plain"><font style="" class="plainlarge">Report the scam to the Canadian Anti-Fraud Centre and to FCNB.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Learn more about <a rel="" link="" target="_blank" href="http://fcnb.ca/how-to-report-fraud.html" class="plainlarge">how to report fraud</a> and <a rel="" link="" target="_blank" href="http://fcnb.ca/where-to-report-fraud.html" class="plainlarge">where to report fraud.</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Sign up to receive <a rel="" link="" target="_blank" href="http://fcnb.ca/subscribe.html" class="plainlarge">fraud alerts</a> delivered to your inbox.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font><br></div><p class="plain"></p> FCNB 2019-11-25T06:20:08-08:00 FRAUD ALERT – Double Dip Scam & Victim Lists Financial Crime Trend Bulletin: Holiday Scams http://fcnb.ca/pc_url_39080943 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/379/27f/083/CAFC-Holiday-Scams.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="18044315">CAFC Bulletin Alert</font><font style="" class="heading1">: Holiday Scams</font><font style="" class="plainlarge"><br></font><font style="" class="highlight"><br></font></div><div class="plain"><font style="" class="highlight">Don’t Get Scrooged Shopping Online</font></div><div class="plain"><b><br></b><font style="" class="plainlarge">Consumers need to be vigilant when shopping online. Fraudsters easily create websites that share the look and feel of legitimate manufacturers. They generate traffic to their sites by advertising their products at deep discounts. Consumers may receive counterfeit products, lesser valued & unrelated goods, or nothing at all.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Warning Signs – How to Protect Yourself</b></font></div><div class="plain"><font style="" class="plainlarge"><b><br></b></font><ul><li class="plainlarge">If it sounds too good to be true, it probably is.</li><li class="plainlarge">Beware of pop-ups that direct you away from the current website.</li><li class="plainlarge">Consumers should verify the URL and seller contact information.</li><li class="plainlarge">Search for any warnings posted online and read reviews before making a purchase.</li><li class="plainlarge">Spelling mistakes and grammatical errors are other indicators of a potentially fraudulent website.</li><li class="plainlarge">Use a credit card when shopping online. Consumers are offered fraud protection and may receive a refund. If you have received anything other than the product you ordered, contact your credit card company to dispute the charge.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight">Keep the Grinch Out of the Holidays</font></div><div class="plain"><b><br></b><font style="" class="plainlarge">Consumers selling products or services online should be suspicious of payment offers that are more than the asking price. In most cases, consumers will receive fraudulent payments. Unfortunately, the consumer will only discover that they have not received a real payment until after they have already sent the merchandise and/or sent additional funds to a third party.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Warning Signs – How to Protect Yourself</b></font></div><div class="plain"><font style="" class="plainlarge"><b><br></b></font><ul><li class="plainlarge">Beware of non-local buyers who want to buy without seeing the product first.</li><li class="plainlarge">Beware of communications with bad spelling and grammar.</li><li class="plainlarge">Never send merchandise without confirming that payment has been received Digital payments are either sent & received or not; they will not be Pending until a tracking number is received.</li><li class="plainlarge">Never send money to get money.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight">‘Tis the Season of Giving</font></div><div class="plain"><b><br></b><font style="" class="plainlarge">The end of the year is a busy season for charities looking for donations. Fraudsters know this and will use the names of legitimate charities to collect money from well-intentioned consumers. Consumers should do their due diligence and research the name and charitable registration number with <a rel="" link="" target="_blank" href="https://apps.cra-arc.gc.ca/ebci/hacc/srch/pub/dsplyBscSrch?" class="plainlarge">Revenue Canada</a> before providing any personal or financial information.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti-Fraud Centre at 1-888-495-8501 or report online at <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">www.antifraudcentre.ca</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><div class="plain"><br></div><p class="plain"></p> FCNB 2019-11-13T06:03:04-08:00 Financial Crime Trend Bulletin: Holiday Scams Financial Crime Trend Bulletin : SIM Swap Scam http://fcnb.ca/pc_url_39070511 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/0a0/358/3d7/CAFC-SIM-Swap-Scam.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="18042138">CAFC Bulletin Alert: SIM Swap Scam </font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Fraudsters are using SIM swapping and phone number porting to gain access to your email, social media and financial accounts. From there, they gain direct access to your personal information, calendar, contacts, money, and then some. Fraudsters may empty your bank accounts, apply for credit in your good name, or impersonate you to defraud your entire contact list. In the meantime, you lose access to your mobile service, are typically locked out of all your accounts, and are left scrambling.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Here’s how it works:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Your SIM card connects your phone number & mobile service to your mobile device. You connect dozens of your accounts to your mobile device through the use of applications. Most application logins are linked to your email address, phone number or both (if you setup two-factor authentication).</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">A fraudster will impersonate you to gain access to your mobile account and may claim that their phone has been lost or stolen. Your phone number will be linked to a new SIM & device that the fraudster controls. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">The fraudster then downloads a series of the most popular and most attractive applications. They will select the ‘Forgot Password’ button on all applications. If an account is associated to your phone number or email address, the fraudster will receive a verification code. They will then use this code to confirm ownership of the account, create their own password and takeover the accounts.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight">Warning Signs – How to Protect Yourself</font></div><div class="plain"><b><br></b><ul><li class="plainlarge">Keep your personal information personal. It is as simple as not publishing your date of birth on social media.</li><li class="plainlarge">Do not answer phishing emails or text messages looking for you to confirm your password or update your account information.</li><li class="plainlarge">Use an offline password manager.</li><li class="plainlarge">Contact your phone provider and ask about additional security measures that may be available.</li><li class="plainlarge">If you lose mobile service on your device, contact your service provider immediately.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti-Fraud Centre at 1-888-495-8501 or report online at <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">www.antifraudcentre.ca.</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><div class="plain"><br></div><p class="plain"></p> FCNB 2019-11-04T11:34:10-08:00 Financial Crime Trend Bulletin : SIM Swap Scam CAFC Bulletin Alert: Call ID spoofing http://fcnb.ca/pc_url_39057281 <p class="plain"></p><div class="plain"><br></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/18c/2a8/011/Caller-ID-Spoofing.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="18036658">CAFC Bulletin Alert: Call ID spoofing</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">The Canadian Anti-Fraud Center has received reports of a new variation of this scam where fraudsters say that your Social Insurance Number (SIN) has been blocked, compromised or suspended. Remain Vigilant.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Fraudsters are pretending to be calling from government agencies such as: Service Canada, the RCMP, or various court houses and are displaying the phone number of these agencies on your caller ID. Consumers who receive this call are asked to provide their SIN and other personal information (DOB, name, address, etc.). Victims who provide their personal information to fraudsters are at risk of identity fraud.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Caller ID spoofing disguises telephone numbers appearing on a caller ID display. This popular tool allows scammers to disguise their calls, as the call will appear to be coming from local or familiar numbers to trick people into answering the phone and trusting the caller.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Warning signs - How to protect yourself</b><b> </b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plainlarge">Don't trust your call display. It may say "Police" or "ABC", but in reality, it is actually a scammer. It does not matter what the caller ID says, you cannot trust it.</li><li class="plainlarge">If you get a call from someone who says they represent a company or a government agency seeking personal information, hang up and call the phone number on your account statement, in the phone book or on the company or government agency's website to verify the authenticity of the request.</li><li class="plainlarge">Never give out personal information such as account numbers, social insurance number (SIN), mother's maiden name, passwords or other identifying information in response to unexpected calls.</li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="customtext2"><b>Were you a victim?</b></font></div><div class="plain"><font style="" class="customtext2"><b><br></b></font><font style="" class="plainlarge"><b><a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/reportincident-signalerincident/index-eng.htm" class="plainlarge"><b>Canadian Anti-Fraud Centre</b></a></b></font></div><div class="plain"><font style="" class="plainlarge">Toll-free: 1-888-495-8501</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b><a rel="" link="" target="_blank" href="https://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/h_00122.html" class="plainlarge"><b>Competition Bureau of Canada</b></a></b></font></div><div class="plain"><font style="" class="plainlarge">Toll-free: 1-800-348-5358</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b><a rel="" link="" target="_blank" href="http://www.rcmp-grc.gc.ca/en/nb/contact-us" class="plainlarge"><span style="" class="plain"><b>New Brunswick RCMP</b></span> </a></b></font></div><div class="plain"><font style="" class="plainlarge">Toll-free: 1-888-506-7267</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b><a rel="" link="" target="_blank" href="https://www.canada.ca/en/financial-consumer-agency.html" class="plainlarge"><b>Financial Consumer Agency of Canada</b></a></b></font></div><div class="plain"><font style="" class="plainlarge">Toll-free: 1-866-461-3222</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><a rel="" link="" target="_blank" href="https://www.bbb.org/bbb-directory" class="plainlarge"><b>Better Business Bureau</b></a></font></div><div class="plain"><font style="" class="plainlarge">(BBB Locator Tool)</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-10-17T07:03:49-07:00 CAFC Bulletin Alert: Call ID spoofing Financial Crime Trend Bulletin: October is Cyber Security Awareness Month http://fcnb.ca/pc_url_39040820 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/108/338/394/CAFC-Cybersecurity-Month.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="18033278">CAFC Bulletin: October is Cyber Security Awareness Month</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Cyber Security Awareness Month is an internationally recognized campaign held each October to inform the public of the importance of cyber security. Our campaign goal is to prevent cyber‐enabled fraud by educating Canadians on the threats and advising them on how to protect themselves online.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">The CAFC will be sharing daily advice and guidance through our Facebook and Twitter pages. We encourage you to follow and visit our social profiles often for new information.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">We will also be hosting a weekly hour‐long #FraudChat on Twitter. Our fraud chats will feature special guests and follow the weekly themes set out by #GetCyberSafe campaign. We encourage you to join the conversation each Wednesday at 1PM (Eastern time). Our #FraudChat schedule:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plainlarge">October 2: An Introduction to the Cyber Threat Environment</li><li class="plainlarge">October 9: How Cyber Threats Affect You</li><li class="plainlarge">October 16: How to Protect Yourself Online</li><li class="plainlarge">October 23: How to Protect Your Business Online</li><li class="plainlarge">October 30: How We Can Work Together</li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Finally, we will be wrapping up CSAM by answering all of your Frequently Asked Questions. Submit your questions throughout the month via any of our social pages by October 27th. Check back for the answers on the 31st!</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight">Get Involved</font></div><div class="plain"><b><br></b><ul><li class="plainlarge">Follow, like & share Canadian Anti‐Fraud Centre content on <a rel="" link="" target="_blank" href="https://www.facebook.com/canantifraud/" class="plainlarge">Facebook</a> and <a rel="" link="" target="_blank" href="https://twitter.com/canantifraud?lang=en" class="plainlarge">Twitter.</a></li><li class="plainlarge">Follow, like & share the <a rel="" link="" target="_blank" href="https://www.cyber.gc.ca/en/" class="plainlarge">Canadian Centre for Cyber Security’</a>s Get Cyber Safe content on <a rel="" link="" target="_blank" href="https://www.facebook.com/GetCyberSafe/" class="plainlarge">Facebook</a>, <a rel="" link="" target="_blank" href="https://twitter.com/GetCyberSafe?ref_src=twsrc%5Egoogle%7Ctwcamp%5Eserp%7Ctwgr%5Eauthor" class="plainlarge">Twitter</a>, <a rel="" link="" target="_blank" href="https://www.instagram.com/getcybersafe/?hl=en" class="plainlarge">Instagram</a> and <a rel="" link="" target="_blank" href="https://www.linkedin.com/showcase/get-cyber-safe-for-small-and-medium-businesses" class="plainlarge">LinkedIn</a>.</li><li class="plainlarge">Use #CSAM, #GetCyberSafe, #cyber, #cybersecurity in your posts during the month of October.</li><li class="plainlarge">#Tell2 people offline and protect many!</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti‐Fraud Centre at 1‐888‐495‐8501 or report online at <a rel="" link="" target="_blank" href="http://www.centreantifraude.ca/" class="plainlarge">www.antifraudcentre.ca</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><font style="" class="plainsmall"><br></font></div><div class="plain"><font style="" class="plainsmall"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><div class="plain"><br></div><p class="plain"></p> FCNB 2019-10-03T07:54:12-07:00 Financial Crime Trend Bulletin: October is Cyber Security Awareness Month Financial Crime Trend Bulletin: Phone Verification Authentication (PVA) Scam http://fcnb.ca/pc_url_39035965 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><img width="250" align="left" src='//0104.nccdn.net/1_5/1c3/008/1d6/PVA-Scams.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="18030501"><font style="" class="heading1">CAFC Bulletin: Phone Verification Authentication (PVA) Scam</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Phone Verification Authentication or PVA is a tool used by online account providers (ie. social networks, classifieds websites, etc.). The process confirms the owner of a phone number before approving the creation of their new online account. It suggests that a real person owns the phone and the same person will operate the account.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Recent reporting to the CAFC indicates that fraudsters are overcoming this authentication process by registering online classified ads using other people’s telephone number. The scam starts when you post an ad on a classifieds site (ie. Craigslists) and include your phone number in the contact information. The fraudster will contact you saying that they are interested in purchasing your item. However, they will mention that there are a lot of scammers on the site. They will claim to want to verify that you are a real person before sending you any money. The fraudster will send you a verification code and ask that you to send it back to them. Once the fraudster receives the verification code, they will enter it to prove that they own your phone number. Voilà! Your phone number is now linked to an account that will be used for spam or fraudulent activities.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight">Warning Signs – How to Protect Yourself</font></div><div class="plain"><b><br></b><ul><li class="plainlarge">Do not send a verification code to anyone.</li><li class="plainlarge">You should not receive a verification code, if you have not requested one.</li><li class="plainlarge">Report and delete unsolicited text messages.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti‐Fraud Centre at 1‐888‐495‐8501 or report online at <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">www.antifraudcentre.ca.</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><br></div><div class="plain"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></div><div class="plain"><br></div><p class="plain"></p> FCNB 2019-09-25T11:00:58-07:00 Financial Crime Trend Bulletin: Phone Verification Authentication (PVA) Scam Financial Crime Trend Bulletin: Grant Scams http://fcnb.ca/pc_url_39019174 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/330/33c/220/CAFC-Grant-Scams.jpg' style="margin: 15px 15px 15px 0px;float: left" height="167" size="250" border="0" daid="18024103">CAFC Bulletin: Grant Scams</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Grant scams are offers of guaranteed free money. Yet, fraudsters will collect personal and financial information, upfront fees, and leave consumers with empty promises. The most common and current variations of grant scams are as follows:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Government Grants</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">A consumer will come across an ad stating that they may qualify for free money that they can spend on anything. The consumer completes an application and receives confirmation that they qualify. All the consumer has to decide is how much money they would like to receive based on the fee they are willing to pay. The promise is that the more they give upfront, the more they will receive.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">In a popular variation of the scam, the consumer receives a message from one of their trusted friends. The message states that they received a free grant and encourage the consumer to follow their lead. Unfortunately, the messages are from the fraudster who hacked their friend’s account.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Weight Loss Grants</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">Consumers will find ads for free weight loss grant programs. These programs promise to reimburse qualified candidates the larger part of their fees. After submitting an application, everyone receives a confirmation email stating that they qualify. Consumers are referred to preferred vendors and pay their upfront program fees. Consumers follow all the rules and lose the weight by their deadline. After requesting their reimbursement, consumers do not receive the grant.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Small and Medium‐Sized Business Grants</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">Business owners may be tempted by look‐alike websites claiming to offer government grants for businesses. Part of the application may even request the draft of a business plan. Business owners will be asked to pay an upfront fee; either to receive a list of available grants or to complete the application. In some incidents, the business owner is asked to open a new business bank account to receive the money. Once the details of the bank account are provided, the fraudsters may use the account to launder money. </font>No money is ever received by the business owner.</div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>How To Protect Yourself</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plainlarge">Government grants are available to specific demographics for specific reasons.</li><li class="plainlarge">All grants require an application. Government grant applications are readily available and free.</li><li class="plainlarge">Information for grants and funding from the Government of Canada is available at:<font style="" class="plain">  </font><a rel="" link="" target="_blank" href="https://www.canada.ca/en/government/grants-funding.html" class="plainlarge">https://www.canada.ca/en/government/grants‐funding.html</a>.</li><li class="plainlarge">Do not trust offers of guaranteed free money. If you have to pay money for a free grant, it really isn’t free.</li><li class="plainlarge">Grant applications are not guaranteed to be accepted; even if you meet the eligibility requirements.</li><li class="plainlarge">There are no upfront fees for legitimate grants.</li><li class="plainlarge">If you receive a suspicious message from a trusted friend, reach out to them through a different means of communication to confirm that it is them.</li><li class="plainlarge">Do not give out your banking information to anyone you do not know.</li><li class="plainlarge">If an offer seems too good to be true, it usually is.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti‐Fraud Centre at 1‐ 888‐495‐8501 or report online at <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">www.antifraudcentre.ca</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><br></span></font><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><br></div><p class="plain"></p> FCNB 2019-09-03T07:19:04-07:00 Financial Crime Trend Bulletin: Grant Scams Government websites: spot the legitimate among the fakes http://fcnb.ca/pc_url_39017017 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><img width="250" align="left" src='//0104.nccdn.net/1_5/0f5/127/022/Fake-Government-Sites-EN.png' style="margin: 15px 15px 15px 0px;float: left" height="222" size="250" border="0" daid="18022719">News Release from the <a rel="" link="" target="_blank" href="https://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/home" class="plainlarge">Competition Bureau</a><font style="" class="plainlarge"><br></font><font style="" class="heading1"><br></font></div><div class="plain"><font style="" class="heading1">Don’t fall for misleading scam sites seeking personal information or credit card data</font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">Browsers beware: scammers are running fake websites meant to mimic real federal government ones. These misleading websites can easily appear to be authentic. The layout, the colour scheme, the red maple leaf graphic – it all looks right. These phony sites could fleece you out of money or personal information…or both!  </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">When reviewing your Internet search results for government services, don’t assume that the top hit is legitimate. Fake websites may also ask for your credit card information to access forms and services that are free on real government websites. Scammers may demand personal information generally not needed for the service you’re seeking, or they may promise to accelerate your government application, for a fee. Official Government of Canada websites will never ask you to deposit money into a personal bank account or send funds through a private money transfer service. Real government websites will never threaten you or offer “special deals” on government application fees.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Learn to recognize phony government websites:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plainlarge"><b>Make sure your browser is up-to-date</b>: Browser filters can help detect fake websites.</li><li class="plainlarge"><b>Look for contact information</b>: Genuine Government of Canada websites will always list a point of contact. Look for Canada.ca or gc.ca e-mails with no typos. Official government websites will also never use private email services such as Hotmail, Yahoo mail or Gmail.</li><li class="plainlarge"><b>Look for both of Canada’s official languages</b>: Information on federal government websites is always available in English and French.</li><li class="plainlarge"><b>Don’t pay for access to forms</b>: The Government of Canada will never charge you for this.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you’re unsure:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plainlarge"><b>Don’t give out personal details</b>: Avoid websites that demand that you transfer money or provide information such as bank account numbers or personal identification, like your Social Insurance Number.</li><li class="plainlarge">Call or write to the website owner to make sure you’re dealing with the real deal.</li><li class="plainlarge">Contact 1 800 O-Canada (1-800-622-6232) and ask them if you’re on the right site.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you believe you’ve been misled by a spoofed government website, contact the Competition Bureau and file a complaint by phone at 1-800-348-5358 or <a rel="" link="" target="_blank" href="https://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/frm-eng/GH%c3%89T-7TDNA5" class="plainlarge">online</a>. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Related products</b></font></div><div class="plain"><font style="" class="plainlarge"><a rel="" link="" target="_blank" href="https://www.canada.ca/en/immigration-refugees-citizenship/services/protect-fraud/internet-email-telephone.html" class="plainlarge">Internet, email and telephone scams</a></font></div><div class="plain"><font style="" class="plainlarge"><a rel="" link="" target="_blank" href="https://www.canada.ca/en/revenue-agency/corporate/security/protect-yourself-against-fraud.html#h1" class="plainlarge">Slam the scam – Protect yourself against fraud</a></font></div><div class="plain"><font style="" class="plainlarge"><a rel="" link="" target="_blank" href="http://www.cic.gc.ca/english/helpcentre/answer.asp?qnum=1206&top=31" class="plainlarge">How can I tell if an immigration website is a scam?</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><b>Associated links</b></font></div><div class="plain"><font style="" class="plainlarge"><a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/reportincident-signalerincident/index-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre</a></font><font style="" class="plainlarge"><a rel="" link="" target="_blank" href="https://www.canada.ca/en/contact/contact-1-800-o-canada.html" class="plainlarge">Contact 1-800-O-canada</a></font></div><div class="plain"><font style="" class="plainlarge"><a rel="" link="" target="_blank" href="https://www.priv.gc.ca/en/" class="plainlarge">Office of the Privacy Commissioner of Canada</a></font></div><div class="plain"><font style="" class="plainlarge"><a rel="" link="" target="_blank" href="https://www.competitionbureau.gc.ca/eic/site/cb-bc.nsf/eng/h_04118.html" class="plainlarge">Consumer and Business Alerts from Canada’s Competition Bureau</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-08-29T11:56:40-07:00 Government websites: spot the legitimate among the fakes Financial Crime Trend Bulletin: Card-Not-Present (CNP) http://fcnb.ca/pc_url_39012913 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><img width="250" align="left" src='//0104.nccdn.net/1_5/203/280/282/Card-Not-Present.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" border="0" size="250" daid="18021759"><font style="" class="heading1">CAFC Bulletin: Card‐Not‐Present (CNP)</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">CNP Fraud is the unauthorized and/or fraudulent gathering, trade and use of payment data (card numbers, expiry dates and passwords). For CNP to occur, the data must be used in instances where the card and cardholder are not present (via phone, email, fax, or website).</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">First, a fraudster places an order for a product or a service via a merchant’s Card‐Not‐Present channel. The merchant processes the payment and provides or delivers the product(s) or service(s). Yet, the payment information provided is stolen. Eventually, the real cardholder w i l l identify and dispute the unauthorized charge. As a result, the merchant receives a chargeback and must put back the amount charged on the stolen card(s). It is important to remember that any merchant who accepts CNP orders can become a victim. Fraudsters also like to revisit merchants where their scam has been successful.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">One variation of the scam sees the fraudster ask the merchant to overcharge the stolen card. Then, they will ask the merchant to forward funds to a third party. By doing so, fraudsters are turning stolen credit cards into cash.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Warning Signs – Common Red Flags</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="highlight">Customer Flags</font><ul><li class="plainlarge">Orders made from one IP address, but using different names, addresses, and payments</li><li class="plainlarge">Email addresses from free email service</li><li class="plainlarge">Many card numbers provided for one order (cards keep getting declined)</li><li class="plainlarge">Purchaser name and cardholder name are different</li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight">Product / Order Flags</font><ul><li class="plainlarge">Larger than normal orders</li><li class="plainlarge">Many orders for the same product; especially “big ticket” items</li><li class="plainlarge">Orders from repeat customers that differ from their regular spending patterns</li><li class="plainlarge">Orders using the same customer or payment information, but many IP addresses</li></ul><font style="" class="plainlarge"><br></font><font style="" class="highlight">Delivery Flags</font><ul><li class="plainlarge">Customer requests “rush” or “overnight” delivery</li><li class="plainlarge">Single payment information used for many shipping addresses</li><li class="plainlarge">Billing address different than shipping address</li><li class="plainlarge">Request that extra funds be sent to a third party</li></ul><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>How To Protect Yourself</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plainlarge">Know the Red Flags and verify every order request received</li><li class="plainlarge">Before shipping merchandise, verify the information provided by the customer (telephone number, email address, shipping address, etc.)</li><li class="plainlarge">Be aware of request for priority shipments for fraud‐prone merchandise</li><li class="plainlarge">Verify priority shipping requests when the shipping and billing addresses do not match</li><li class="plainlarge">For suspicious orders, contact your payment processor. Verify the security measures to prevent victimization and reduce unwanted chargebacks</li><li class="plainlarge">Never accept overpayments to forward funds to a third party</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Merchants who accept CNP orders can lower their risks of fraud by using the automated verification tools supported by their payment processors.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti‐Fraud Centre at 1‐ 888‐495‐8501 or report online at <a link="" rel="" target="_blank" href="http://www.centreantifraude.ca/" class="plainlarge">www.antifraudcentre.ca</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><p class="plain"></p> FCNB 2019-08-27T05:41:11-07:00 Financial Crime Trend Bulletin: Card-Not-Present (CNP) FCAC warns Canadians to beware of unsolicited telephone calls asking for personal and financial information http://fcnb.ca/pc_url_39004650 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/149/2d6/0f1/Unsolicited-Phone-Calls.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="18018658">FCAC warns Canadians to beware of unsolicited telephone calls asking for personal and financial information</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><i><br></i></font></div><div class="plain"><font style="" class="plainlarge"><i>From: Financial Consumer Agency of Canada</i></font></div><div class="plain"><font style="" class="plainlarge"><i><br></i></font>The Financial Consumer Agency of Canada (FCAC) is warning Canadians to beware of unsolicited telephone calls from individuals asking for their personal and financial information.</div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">FCAC has learned of suspicious incidents involving telephone calls to Canadians that appear to come from FCAC’s Consumer Service Centre. The callers have been asking consumers for their SIN numbers and credit card information. It is important for Canadians to know that FCAC does not initiate contact with or ask for personal and financial information from Canadians.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Be aware that a caller ID is not a good indicator of who is calling. Fraudsters may change the information that appears on the Caller ID display (a practice known as Caller ID spoofing) to misrepresent themselves and in an effort to commit identity theft.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">FCAC advises anyone who receives an unsolicited call asking for their personal or financial information to take the following steps:</font></div><div class="plain"><font style="" class="plainlarge"><br></font><ul><li class="plainlarge">Ask for the caller’s name, company name and department, and then end the call.</li><li class="plainlarge">Verify the caller’s information by looking for a telephone number on your credit card, bill or account statement, online or in a telephone directory before calling the company directly.</li><li class="plainlarge">Call the company directly and ask to speak to the person who contacted you and confirm any information the caller told you, such as whether there has been any fraud related to your account.</li><li class="plainlarge">If you think you may have been a victim of fraud, report the fraud to the <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/reportincident-signalerincident/index-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre</a>.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">For more tips on how to protect yourself, visit the <a rel="" link="" target="_blank" href="https://www.canada.ca/en/services/finance/fraud.html" class="plainlarge">Fraud section</a> on Canada.ca.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-08-19T06:19:30-07:00 FCAC warns Canadians to beware of unsolicited telephone calls asking for personal and financial information CAFC Bulletin: Vacation scams http://fcnb.ca/pc_url_39003614 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/215/2a8/024/Vacation-Scam.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="18017435">Free or "discounted" vacation scam</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">This variation involves fraudulent offers of free or discounted vacations using company names like Expedia, Air Canada, Transat, WestJet and others. The potential victim receives a cold call, usually automated, advising that they have won a destination vacation. Alternatively, they are told that as a preferred customer, they have been awarded a credit or discount on a destination vacation if they book immediately. Once the potential victim proceeds with the call, they will be asked to provide personal information to book the vacation and a credit card number to make a deposit/payment to guarantee the trip.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight">Warning signs - How to protect yourself</font></div><div class="plain"><b><br></b><ul><li class="plainlarge">An unknown caller tells you that you've won a contest you didn't enter.</li><li class="plainlarge">You receive a call advising that you've won a free vacation but have to provide a credit card number to cover taxes before receiving the vacation.</li><li class="plainlarge">Ask for the caller's name and for a call back number. If they won't provide one, red flag.</li><li class="plainlarge">Never give out personal information or credit card information over the phone.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><p class="plain"></p> FCNB 2019-08-16T05:40:25-07:00 CAFC Bulletin: Vacation scams Financial Crime Trend Bulletin: Job Scams http://fcnb.ca/pc_url_39002135 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" daid="18016827" src='//0104.nccdn.net/1_5/28e/197/1ab/CAFC-Job-Scam.jpg' style="margin: 15px 15px 15px 0px;float: left" border="0" size="250">CAFC Bulletin: Job Scams</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><b><u>Job Offer with Promise of Immigration to Canada</u></b></font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Consumers looking to work and move to Canada will find job postings all over the internet. Fraudsters will often use the name of companies that exist in Canada; but, list their contact information. Consumers may complete various applications. These applications may request personal & financial information that could be used for identity fraud. In some cases, fraudsters will schedule and host a video interview. Almost immediately, fraudsters will congratulate the consumer on getting the job. The victim will be contacted by someone claiming to help them with the immigration process. The fraudsters may claim to be from CANADA HIGH COMMISSION of IMMIGRATION CANADA. Fraudsters will ask for money for a many reasons (passports, permits, visas, traveler’s cheques, etc). Too often, Victims will send money many times before they realize that the job does not exist.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="highlight">Warning Signs – How to Protect Yourself</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><ul><li class="plainlarge">Find job postings at <a link="" rel="" target="_blank" href="https://www.jobbank.gc.ca/home" class="plainlarge">www.jobbank.gc.ca</a>.</li><li class="plainlarge">Visit the Immigration & Citizenship pages at <a link="" rel="" target="_blank" href="https://www.canada.ca/home.html" class="plainlarge">www.canada.ca</a> for all related information & to submit applications to travel, study, work or immigrate to Canada.</li><li class="plainlarge">No one can promise faster immigration application processing times or guaranteed approval.</li><li class="plainlarge">Research the hiring company, read reviews from employees, and contact their human resources department to confirm that they are hiring.</li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><b><u>Work from Home : Financial Account Manager / Customer Service / Data Entry / Personal Assistant</u></b></font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Fraudsters use free online classified websites to recruit potential victims. Some consumers receive an email offer where the Suspect claims to have found their resume online. Consumers reply to the ad or email offer to become a payment processor. Consumers are asked to receive payments into their personal bank account. Victims receive cheques (by mail or mobile deposit) or e-transfers deposited into their bank account. After receiving payments, the Victim is told to keep part as their pay. Finally, the Victim is told to send money back to the Suspect company through money service businesses (Western Union or MoneyGram), cryptocurrency (Bitcoin) or buy gift cards. In a variation of this scam, the Suspect says that they are sending you money to buy the supplies required for your new home office. The Suspect will provide a company name and the banking details for the Victim to pay. In the end, all the money received by the Victim does not exist and they have been sending their own money.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="highlight">Warning Signs – How to Protect Yourself</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><ul><li class="plainlarge">Beware of unsolicited messages offering employment.</li><li class="plainlarge">Be mindful where you post your resume. Scammers use legitimate websites to seek out victims.</li><li class="plainlarge">Take the time to research an employer and confirm that they are hiring.</li><li class="plainlarge">If you receive funds for any reason from an unknown individual or company and you are asked to forward it elsewhere - DON’T!</li><li class="plainlarge">A legitimate employer will never ask you to accept money into your personal bank account. They will also not send you money and request a part of it back.</li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><b><u>Quality Control Officer / Client Service Strategist / Secret Shopper / Personal Assistant</u></b></font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Consumers receive a confirmation that they have been selected to be a mystery shopper. The Victim receives a cheque and some instructions in the mail. Victims are asked to deposit the money into their personal bank account. Then, Victims are asked to withdraw most of the money, but keep some of it for themselves. Victims are instructed to deposit a large part of the money into a specific bank account. Victims may also be asked to make small purchases; including gift cards. The gift card numbers are provided to the fraudsters to confirm that they work. At every step, Victims are asked to complete and submit a customer service survey based on their experiences. The surveys are a prop to convince Victims that the job is real. Victims later find out that the cheque they deposited is fake and they now owe money to the bank.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><u>Warning signs – How to protect yourself:</u></font></div><div class="plain"><ul><li class="plainlarge">Never respond to an unsolicited text or email.</li><li class="plainlarge">Be wary when a “company” uses a web based email address instead of one from their personalized domain.</li><li class="plainlarge">If you receive a cheque or funds deposited to your account in response to a job, inform your financial institution immediately.</li><li class="plainlarge">If a job sounds too good to be true, it probably is.</li></ul></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti-Fraud Centre at 1-888-495-8501 or report online at <a link="" rel="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">www.antifraudcentre.ca</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-08-13T11:39:05-07:00 Financial Crime Trend Bulletin: Job Scams Fraud Alert: Car Wrap Scam http://fcnb.ca/pc_url_38999537 <p class="plain"></p><div class="plain"><br></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/004/3ab/3d9/Car-Wrap-scam.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="18015932">Fraud Alert: Car Wrap Scam</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">The Car Wrap Scam is the new Mystery Shopper Scam...</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you receive a cheque from a company and are asked to deposit it, keep some of the money, and transfer some money to someone else, it is a scam.</font></div><div class="plain"><font style="" class="plainlarge">  </font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Every. Single. Time. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">It doesn’t matter if the story is about earning $300 a week to have your car wrapped, becoming a mystery shopper, having your small business provide services such as event planning or wedding photography. The same thing happens.  After you deposit the cheque and transfer the money, the scammer takes off.  A few days later when the bank realizes the cheque is a fake, you’re on the hook to pay back the money you withdrew or transferred. Remember, even though the funds may be available in your bank account right away, it takes a few days to actually verify that a cheque is legitimate.  Until your bank confirms that, they’re really just advancing you the money.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Reality “Check”</b></font></div><div class="plain"><font style="" class="plainlarge">Wondering if it’s a scam?  Consider this:</font><ul><li class="plainlarge">A legitimate business would not pay you more money than they owe you.</li><li class="plainlarge">A legitimate business would not ask you to pay for the graphic designer or other service provider. They’d pay their own expenses.</li><li class="plainlarge">A legitimate business would not send out large cheques to strangers, just hoping people will only keep a small portion of it.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>When in doubt:</b></font></div><div class="plain"><font style="" class="plainlarge">If you do receive a cheque, call the company listed on the cheque and ask them.  They’re in the best position to verify if they actually issued the cheque or not. Scammers often try to make their pitch seem more legitimate by name dropping well-known companies or brands or using forged cheques from a reputable company.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>I’ve received a cheque like this! What do I do?!</b></font></div><div class="plain"><font style="" class="plainlarge">Contact your local police or RCMP.  </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you have deposited the cheque, contact your financial institution.</font></div><div class="plain"><font style="" class="plainlarge">  </font><br></div><div class="plain"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></div><p class="plain"></p> FCNB 2019-08-09T05:58:45-07:00 Fraud Alert: Car Wrap Scam Financial Crime Trend Bulletin: Vacation Rentals http://fcnb.ca/pc_url_38996498 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/070/170/07d/CAFC-Vacation-Rental-Scam.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="18015158">CAFC Bulletin: Vacation Rentals</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain">Fraudsters create classified ads for vacation property rentals in popular tourist destinations. The ads are posted on trusted websites or the fraudsters mimic known vacation sites.</div><div class="plain"><br></div><div class="plain">Interested consumers will receive prompt responses from the fraudsters. Their desired travel dates are always available.<font style="" class="plainlarge"><br></font><font style="" class="plainlarge">To secure the booking, fraudsters will ask that a payment is made quickly. They may ask for a wire transfer or for money sent through a money service business. Fraudsters may also recommend a fake secure payment processor. This payment processor is only available outside of the trusted website. Finally, fraudsters may also offer a discount if the reservation is paid in full.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">In the end, there is no new reservation linked to the consumer's account with the trusted website. Consumers will lose the ability to contact the fraudsters. In the worst cases, consumers will not realize they are victims until they arrive and there is no rental.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="highlight">Warning Signs – How to Protect Yourself</font></div><div class="plain"><b><br></b><ul><li class="plainlarge">Do not send money to strangers.</li><li class="plainlarge">When entering into a rental agreement through a trusted service provider, you must use their payment provider to be eligible for their refund/cancellation policies.</li><li class="plainlarge">Contact Equifax and Transunion if you have provided sensitive information on applications.</li><li class="plainlarge">Trust your instincts. If it seems too good to be true, it probably is.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you think you or someone you know has been a victim of fraud, please contact the Canadian Anti-Fraud Centre at</font><font style="" class="plainlarge">1-888-495-8501 or report online at <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">www.antifraudcentre.ca</a>.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-08-07T12:02:11-07:00 Financial Crime Trend Bulletin: Vacation Rentals Financial Crime Trend Bulletin : SIN Scam http://fcnb.ca/pc_url_38990225 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><img width="250" align="left" src='//0104.nccdn.net/1_5/286/330/3bd/CAFC-SIN-Scam.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="18010996"><font style="" class="heading1">CAFC Bulletin: SIN Scam</font></div><div class="plain"><br></div><div class="plain">This bulletin was prepared to advise the public of a growing telephone scam where fraudsters say that your Social Insurance Number (SIN) has been blocked, compromised or suspended.</div><div class="plain"><br>Consumers are reporting calls where fraudsters claim that your SIN has been blocked, compromised or suspended. Fraudsters may add that this is due to your SIN being linked to fraudulent or criminal activity. Consumers who receive this call are asked to provide their SIN and other personal information (DOB, name, address, etc.). Victims who provide their personal information to fraudsters are at risk of identity fraud.</div><div class="plain"><br>These fraudsters are pretending to be calling from government agencies. Some popular examples include: Service Canada, the RCMP, and various court houses. As well, the fraudsters are displaying the phone number of these agencies on your caller ID.</div><div class="plain"><br><font style="" class="highlight">Warning Signs – How to Protect Yourself</font></div><div class="plain"><b><br></b><ul><li class="plain"><font style="" class="plainlarge"><span style="" class="plain">Criminals use “call-spoofing” to mislead consumers. This technology is easily available. Do not assume that phone numbers appearing on your call display are accurate.</span></font></li><li class="plain"><font style="" class="plainlarge"><span style="" class="plain">No government agency will contact you and tell you that your SIN is blocked.</span></font></li><li class="plain"><font style="" class="plainlarge"><span style="" class="plain">Never provide personal information over the phone to an unknown caller.</span></font></li><li class="plain"><font style="" class="plainlarge"><span style="" class="plain">If you provide personal information, contact Equifax and Trans Union to place fraud alerts on your accounts.</span></font></li></ul><br>If you think you or someone your know has been a victim of fraud, please contact the Canadian Anti-Fraud Centre at 1-888-495-8501 or report online at <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">http://www.antifraudcentre.ca</a>.</div><div class="plain"><br><font style="" class="plainsmall">This document is the property of the CAFC. It is loaned to your agency/department in confidence and it is not to be reclassified, copied, reproduced, used or further disseminated, in whole or part, without the consent of the originator. It is not to be used in affidavits, court proceedings or subpoenas or for any other legal or judicial purposes. This caveat is an integral part of this document and must accompany any information extracted from it.</font></div><div class="plain"><br><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></div><p class="plain"></p> FCNB 2019-07-26T08:28:11-07:00 Financial Crime Trend Bulletin : SIN Scam FRAUD ALERT – Inheritance Scam http://fcnb.ca/pc_url_38989384 <p class="plain"></p><div class="plain"><br></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/351/320/2ea/Inheritance-Scam.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" size="250" border="0" daid="18010607">Fraud Alert - Inheritance Scam</font></div><div class="plain"><br></div><div class="plain"><font style="" class="plainlarge">Scammers have sent official-looking letters to several New Brunswickers claiming they are sitting on an inheritance from a long, lost relative just waiting to be claimed. In both cases, the letters claim to be from bank officials – one based in London and the other in the Netherlands. They ask for information, including bank account information, to proceed with the claim. These inheritance scams are like many circulating around the world. The letters offer you the false promise of a windfall to trick you into parting with your money or sharing your banking information. </font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>How to recognize an Inheritance Scam</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plainlarge">You are contacted out of the blue by a scammer posing as a lawyer or bank official offering you a large inheritance from a distant relative or wealthy person.  Remember if it sounds too good to be true, it probably is.</li><li class="plainlarge">The letter uses official-looking letterhead or logos, but will usually contain spelling mistakes or awkward language.</li><li class="plainlarge">The logos appear grainy, as if they’ve been cut and pasted onto the letter.</li><li class="plainlarge">You are asked to provide bank account documents and copies of identity documents as verification.</li><li class="plainlarge">Follow-up correspondence with the scammer may request you to pay a series of fees, charges or taxes to release the inheritance money. Fees may be small amounts initially, but you will be asked to make more and larger payments.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>What to do if you receive an Inheritance Claim Letter</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plainlarge">Ignore it.</li><li class="plainlarge">Do not provide personal information, credit card numbers or other financial information to the scammer.</li><li class="plainlarge">Avoid any arrangement that requires you to pay a fee to receive money.</li><li class="plainlarge">Report the letter to the Canadian Anti-Fraud Centre.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>What to do if you are a victim of an Inheritance scam</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">Change your password and PIN for all online banking or financial services accounts and contact your bank or financial institution immediately.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Where to report Inheritance Scams</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">Report Inheritance scams to the <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre</a> by calling 1-888-495-8501.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Learn more about <a rel="" link="" target="_blank" href="http://fcnb.ca/how-to-report-fraud.html" class="plainlarge">how to report </a>fraud and <a rel="" link="" target="_blank" href="http://fcnb.ca/where-to-report-fraud.html" class="plainlarge">where</a> to report fraud.</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><a rel="" link="" target="_blank" href="http://fcnb.ca/subscribe.html" class="plainlarge">Sign up</a> to receive fraud alerts delivered to your inbox.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-07-24T05:30:29-07:00 FRAUD ALERT – Inheritance Scam FRAUD ALERT - Real Estate Rental Scam http://fcnb.ca/pc_url_38985414 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><img width="250" align="left" src='//0104.nccdn.net/1_5/39f/2a0/227/Real-Estate-Scams.jpg' style="margin: 15px 15px 15px 0px;float: left" height="288" border="0" size="250" daid="18008725"><font style="" class="heading1">FRAUD ALERT - Real Estate Rental Scam</font></font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Fraudsters are advertising properties for rent using information and photos from legitimate real estate listings. It is suspected that the scam artist is hoping to get money from victims by collecting fraudulent damage deposits.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"> Victims reported responding to ads for apartments or rooms for rent in New Brunswick. Victims were asked to pay hundreds of dollars in cash to cover the first month’s rent and damage deposits, before discovering the rental properties were not the property of the scam artist.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">At FCNB we share information on the red flags of fraud and information about current scams circulating in the province in an effort to help New Brunswickers protect themselves and their communities. While scams change and adapt, the red flags of fraud tend to be common across different types of scams. The more people can recognize the red flags, think critically about offers and be vigilant, the fewer people will end up being scammed.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Here are some of the red flags:</font><font style="" class="plainlarge"><br></font><ul><li class="plainlarge">Spelling errors and typos in the ads</li><li class="plainlarge">Pressure to act quickly</li><li class="plainlarge">Asking the potential renter to ignore the for sale signs on the property</li><li class="plainlarge">No ability for the potential renter to see the property in person before providing a deposit</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">New Brunswickers are encouraged to use these best practices before paying money to secure a rental property: </font><font style="" class="plainlarge"><br></font><ul><li class="plainlarge"><a link="" rel="" target="_blank" href="http://www.fcnb.ca/saving-investing/red-flags-of-fraud.html" class="plainlarge">Be aware of the red flags of fraud.</a></li><li class="plainlarge">Never send money to someone you’ve never met, or only met online.</li><li class="plainlarge">Before signing a rental agreement and paying a damage deposit, insist on seeing the property in person. If you are moving from out of province, ask someone you know locally to look at the property for you.</li><li class="plainlarge"><a link="" rel="" target="_blank" href="https://support.google.com/websearch/answer/1325808?co=GENIE.Platform%3DAndroid&hl=en" class="plainlarge">Do a reverse image search</a> to determine if the images are shared on other websites.</li><li class="plainlarge">If there is a for sale sign on the property, contact the listing REALTOR®to inquire if the owner is also seeking to rent to property. </li><li class="plainlarge">If you are entering a rent to own situation, seek legal advice before signing a contract.</li><li class="plainlarge">When purchasing or negotiating on sites such as Kijiji, it is always buyer beware. When using sites such as Realtor®, you are dealing with agents who are licensed. Learn more about how licensing can protect you, <a link="" rel="" target="_blank" href="http://fcnb.ca/buying-and-selling-property.html" class="plainlarge">here</a>.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">If you suspect that you have been targeted in a rental fraud scam, contact the <a link="" rel="" target="_blank" href="http://www.policenb.ca/regions/" class="plainlarge">police.</a></font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-07-19T10:56:50-07:00 FRAUD ALERT - Real Estate Rental Scam FRAUD ALERT: Fake Invoice Scam http://fcnb.ca/pc_url_38983616 <p class="plain"></p><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="heading1"><img width="250" align="left" src='//0104.nccdn.net/1_5/206/197/0a0/Invoice-Scam-EN-large.jpg' style="margin: 15px 15px 15px 0px;float: left" height="167" size="250" border="0" daid="18008191">FRAUD ALERT: Fake Invoice Scam</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge">Scammers are sending invoices to New Brunswick businesses, claiming they are past due on payment for a service they never requested or agreed to, such as a listing on an online directory.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">The invoices request the business to pay via credit card, direct deposit or with a cheque. If a business responds to the invoice with payment, the scammer keeps the money. If they gain access to the business’ bank account through direct deposit, scammers can drain all the money from that account.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>How to recognize a Fake Invoice scam</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plain">The invoice comes out of the blue, claiming you are past due on payment for a service you never requested or agreed to.</li><li class="plain">The contact name and billing address is out of date.</li><li class="plain">The invoice directs you to a URL that looks similar, but is not identical to the addresses for the Yellow Pages or Canada 411. </li><li class="plain">The logo on the invoice appears grainy, as if it’s been cut and pasted onto the letter.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>What to do if you receive a Fake Invoice scam</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><ul><li class="plainlarge">Ignore it.</li><li class="plainlarge">Do not provide personal information, credit card numbers or other financial information to the scammer.</li><li class="plainlarge">Report the invoice to the Canadian Anti-Fraud Centre.</li></ul><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>What to do if you are a victim of a Fake Invoice scam</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">If you have responded to the fraudulent request or provided any banking or payment information: </font><ul><li class="plainlarge">Change your password and PIN for all online banking or financial services accounts</li><li class="plainlarge">Contact your bank or financial institution immediately</li></ul><font style="" class="plainlarge"><br></font><font style="" class="customtext2"><b>Where to report a Fake Invoice scam</b></font></div><div class="plain"><font style="" class="plainlarge"><span style="" class="plain"><b><br></b></span></font><font style="" class="plainlarge">Report Fake Invoice scams to the <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">Canadian Anti-Fraud Centre</a><font style="" class="plain">  </font>by calling 1-888-495-8501.</font></div><div class="plain"><font style="" class="plainlarge"><br></font><font style="" class="plainlarge">Learn more about <a rel="" link="" target="_blank" href="http://www.antifraudcentre-centreantifraude.ca/index-eng.htm" class="plainlarge">how to report fraud and where</a> to report fraud.</font><font style="" class="plainlarge"><br></font><font style="" class="plainlarge"><a rel="" link="" target="_blank" href="http://fcnb.ca/subscribe.html" class="plainlarge">Sign up</a> to receive fraud alerts delivered to your inbox.</font></div><div class="plain"><font style="" class="plainlarge"><br></font></div><div class="plain"><font style="" class="plainlarge"><span displayText="Facebook" class="st_facebook_large"></span> <span displayText="Tweet" class="st_twitter_large"></span> <span displayText="LinkedIn" class="st_linkedin_large"></span> <span displayText="Email" class="st_email_large"></span> <script type="text/javascript">var switchTo5x=true;</script> <script src="http://w.sharethis.com/button/buttons.js" type="text/javascript"></script> <script type="text/javascript">stLight.options({publisher: "e727b6e4-f329-44bf-81ed-7fbcea81edbd"}); </script><br></font></div><p class="plain"></p> FCNB 2019-07-18T09:52:26-07:00 FRAUD ALERT: Fake Invoice Scam