U.S. SECRET SERVICE

U.S. SECRET SERVICEU.S. SECRET SERVICE““Worthy of Trust and Confidence”Worthy of Trust and Confidence”

!!! SCAMS !!!!!! SCAMS !!!

$$$

SCAMMER

KNOW WHAT TO LOOK FORKNOW WHAT TO LOOK FOR


COUNTERFEIT CHECKSCOUNTERFEIT CHECKS

• Use “Off-the-Shelf” Check Writing Software

• Use High Quality Scanners and Printers

• May Contain Security Features (ie. Watermarks)

• Printed with Names of Legitimate Financial Institutions and Companies (US or Foreign)

• Bank Account #s and Routing #s May Be Real

• Money Orders, Cashiers Checks, Personal Checks, Corporate Checks, Travelers Checks

YOUR NAME HEREYOUR NAME HERE



U.S. FEDERAL BANKING LAWU.S. FEDERAL BANKING LAW

U.S. Treasury Checks or Official Bank ChecksU.S. Treasury Checks or Official Bank Checks – Funds available– Funds availableat the opening of the next business day after check depositat the opening of the next business day after check deposit

Other ChecksOther Checks - $100 available next business day; balance - $100 available next business day; balance available on the 2available on the 2ndnd day (local banks) and within 5 days day (local banks) and within 5 days

(distant banks)(distant banks)


Checks usually take 7-10 days to clear or up to a month if aChecks usually take 7-10 days to clear or up to a month if aforeign bank is involved.foreign bank is involved.



JUST BECAUSE FUNDS ARE AVAILABLE ON A JUST BECAUSE FUNDS ARE AVAILABLE ON A CHECK YOU’VE DEPOSITED, DOES NOT MEAN CHECK YOU’VE DEPOSITED, DOES NOT MEAN

THE CHECK IS GOOD!!!THE CHECK IS GOOD!!!

WAIT UNTIL THE BANK TELLS YOU THE CHECK WAIT UNTIL THE BANK TELLS YOU THE CHECK HAS CLEARED. UNTIL THAT HAPPENS, YOU HAS CLEARED. UNTIL THAT HAPPENS, YOU

ARE LIABLE!!ARE LIABLE!!



ONLINE AUCTION/CLASSIFIED AD SCAM

• “Buyer” sends overpayment for goods to cover S&H• “Buyer” requests refund via wire transfer for remainder of money• “Buyer’s” payment proves fraudulent and Seller stuck with money loss

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


ONLINE AUCTION/CLASSIFIED AD SCAM

• “Seller” advertises a valuable item at an extreme discount• Buyer attracted by the allure of a bargain• “Seller” demands Buyer use a wire transfer service for payment• “Seller” never sends the item and the Buyer left with loss


SECRET SHOPPER SCAM

• Victim hired to evaluate a store and/or wire transfer service • Victim sent counterfeit checks, money orders, etc.

• Victim cashes/deposits checks, money orders, etc.

• Victim instructed to go shopping with a certain amount of the money and wire transfer the remainder back to “employer”• “Employer” may authorize the victim to keep the merchandise or a % of the money• Checks or money orders are fraudulent and victim is held accountable for the loss by their bank


EMPLOYMENT SCAMS

• “Employer” will advertise the job online (ie. Monster.com) or in the local newspaper

• Example job titles are Customer Service Rep, Account Manager, Personal Assistant, Distribution Manager, Regional Sales Specialist, etc.• “Employer” can claim to be in any industry from electronics and computers to hardware and textiles

• Among victim’s job responsibilities will be to receive and deposit checks or money orders OR receive direct deposits into their bank account and wire transfer the money back to the “Employer”

• “Employer” may require victim to open a “business” bank account or provide their own bank account information to conduct business


EMPLOYMENT SCAMS (cont’d)

• Victim may be allowed to keep a % of the money as payment• Checks, money orders or deposits are fraudulent and victim is held accountable for the loss by their bank

• VARIATIONVARIATION: Victim may be asked to receive merchandise at their address as one of their job responsibilities (ie. electronics, jewelry, clothing, etc.) and then forward that merchandise to other locations (both U.S. and overseas)

• Merchandise is purchased with stolen credit cards or through other fraudulent means. Victim held accountable.


NIGERIAN ADVANCE FEE SCAMCHARACTERISTICS

• Government Official, Lawyer, Judge, Law Enforcement, Doctor, Widow, CEO

• Official Looking Documents or Checks

• Sense of Urgency

• Confidential nature emphasized

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

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

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


FBI SCAM EMAILS

• E-Mail purports to be from a high-ranking FBI official (ie. AssistantDirector)

• Attempts to defraud money out of the victim using the name andreputation of a federal government official to create an air of authenticity• Variation of the Nigerian Advance Fee Scam: E-Mail claims that the results of an FBI investigation have authorized or legitimised the money you are to receive

• E-Mail may threaten recipient with arrest or fines if they do not wire money as instructed due to some “regulations” or may ask for personal information

• E-Mail may claim to be from U.S. Customs and Border Protection, the U.S. Secret Service, etc.

USSS SCAM EMAIL


CREDIT CARD SECURITY SCAM

• Scammer calls purporting to be a fraud investigator from your credit card company

• Claims that some fraudulent activity has occurred on your account but they will help get the charges reversed

• Before they can reverse the charges, however, the scammer states that they need to confirm your social security number, mother’s maiden name, CVV or CVC number, etc.


IRS/TAX RETURN SCAM

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

• Check Verification Phone Calls


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

Sender pretends to be a legitimate company or bank.

A fraudulent scheme involving ID Theft typically by email.

PHISHING

PHISHING EMAILEXAMPLE

U.S. SECRET SERVICEU.S. SECRET SERVICE““Worthy of TrustWorthy of Trust and Confidence”and Confidence”

PHISHING EMAILEXAMPLE

U.S. SECRET SERVICEU.S. SECRET SERVICE

““Worthy of TrustWorthy of Trust and Confidence”and Confidence”

PHISHING POP-UPEXAMPLE

U.S. SECRET SERVICEU.S. SECRET SERVICE““Worthy of TrustWorthy of Trust and Confidence”and Confidence”


What is a fraudulent scheme using SMS texting on cell phonescalled?

A fraudulent scheme involving ID Theft by email is called

“PHISHING”.

SMISHING


HITMAN E-MAIL SCAM

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

• Scammer tells the victim that they will not carry out their threat if the victim pays money or provides personal information

• Scammer warns the victim not to notify the authorities or they will be forced to carry out their threat

HITMAN EMAIL SCAMTO: YOUR NAME HERE <YOUR EMAIL ADDRESS HERE>TO: YOUR NAME HERE <YOUR EMAIL ADDRESS HERE>FROM: Unidentified <[email protected]>FROM: Unidentified <[email protected]>Subject: Stay Alive...........Subject: Stay Alive...........

Attention,Attention,

I want you to read this message very carefully, and keep the secret with you till further notice, You I want you to read this message very carefully, and keep the secret with you till further notice, You have no need of knowing who i am, where am i. i have being paid $50, 000 in advance to terminate have no need of knowing who i am, where am i. i have being paid $50, 000 in advance to terminate you with some reasons listed to me by my employer, its one i believe you call a friend and a person you with some reasons listed to me by my employer, its one i believe you call a friend and a person you deal with everyday. i have followed you closely for one week and tree days now and have seen you deal with everyday. i have followed you closely for one week and tree days now and have seen that you are innocent of the accusation. Do not contact the police or try to send a copy of this to that you are innocent of the accusation. Do not contact the police or try to send a copy of this to them, because if you do i will know, and might be pushed to do what i have being paid to do.them, because if you do i will know, and might be pushed to do what i have being paid to do.

Now listen, from you i need the amount of $50,000. After you pay me you have nothing to be afraid Now listen, from you i need the amount of $50,000. After you pay me you have nothing to be afraid of. Respond to this email as soon as possible and I will provide information to you as to which of. Respond to this email as soon as possible and I will provide information to you as to which account to pay the money to. Once I receive the money, i will give you a tape I have showing his account to pay the money to. Once I receive the money, i will give you a tape I have showing his request for me to terminate you, which will be enough evidence for you to take him to court (if you request for me to terminate you, which will be enough evidence for you to take him to court (if you wish to).wish to).

You don't need my phone contact for now till I am assured you are ready to comply. Once again, if You don't need my phone contact for now till I am assured you are ready to comply. Once again, if you contact the police, this deal is off and i will terminate you……you contact the police, this deal is off and i will terminate you……

Lucky You,Lucky You,X X


VIRUS E-MAILS

Hacker tricks the victim into downloading a virus,

trojan, malware or spyware onto their computer (.exe files).

• FBI Intelligence Bulletins - New Patterns in Al-Qaeda Financing

- New Department of Homeland Security Report

- New Osama Bin Laden Speech • Oprah Winfrey Show Tickets

• Microsoft Anti-Virus Program


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

• Conduct your own background investigation.Ask family, professors or law enforcement forguidance.

• Companies/Agencies should never ask you foryour personal information over the phone or viae-mail. DON’T RESPOND! Never give out yourpersonal info over the phone or internet unlessyou initiate contact and you know you are dealingwith a true company representative.

U.S. SECRET SERVICE FRAUD ALERT FLYERU.S. SECRET SERVICE FRAUD ALERT FLYER

U.S. SECRET SERVICE

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