安全
常见的诈骗和欺诈
这些都是常见欺诈计划的例子
(不一定是直接财务成员的经验).
彩票中奖骗局
通常通过电子邮件或邮政邮件发起, 骗子寄来一封信，说你中了彩票. 在信中, 通常会有指示要求你发送资金和/或你的银行账户信息, 支付处理费用, 税, 以及其他杂费，以便收到你的奖金. No legitimate lottery will ever require payment or bank account information to receive your winnings. 欲知详情，请浏览以下联邦贸易委员会网页: http://www.consumer.ftc.gov/articles/fake-prize-sweepstakes-and-lottery-scams
关于您帐户的欺诈性通知
你会收到一封邮件, 电话或短信通知您，您的帐户已检测到欺诈行为. 这种沟通甚至可能看起来来自你自己的金融机构. 你被要求提供信息, 通常是信用卡号或登录凭证, 解决所谓的欺诈或防止帐户被关闭.
冒充家人或朋友
通常是通过电话，骗子利用你乐于助人的愿望. 在一个常见的版本中, 你接到一个电话，告诉你你的孙子有麻烦了，需要经济援助, 有时还会进一步解释说他们出了事故或被捕了. The fraudster asks you to withdraw a large sum of cash and states you cannot tell anyone about the situation, 否则这个家庭成员可能会惹上更多麻烦. 骗子可能会要求你购买礼品卡, 通过西联汇款汇款, 或者安排一个当地的骗子从你家里拿走这笔钱.
冒充执法人员或政府机构
通常通过电话来完成, the scammer will call you pretending to be from a 政府ernment agency such as the Social 安全 Administration, 美国国税局, 甚至是医疗保险. They will often threaten that something bad will happen if you do not provide your personal information or provide what they are requesting. 你的来电显示甚至可能显示来电来自政府部门，但来电显示是可以伪造的. 诈骗者还可能冒充执法人员, 比如FBI, threatening that you may be arrested if you do not provide personal information or do not send them money. No 政府ernment agency or law enforcement official will ever ask you for your personal information over the phone or request that you send them money! 有关详情，请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/articles/how-avoid-government-impersonator-scam
虚假病毒警告或“恐吓软件”
您在计算机上看到一个弹出消息，告诉您计算机中有病毒. 该消息可能看起来类似于合法的杀毒软件消息. 在某些情况下, 欺诈者试图向你出售几乎没有作用的虚假安全软件. 在其他情况下, 这种欺诈可能涉及非法获取信用卡信息, 或者安装诸如击键记录程序等恶意软件. 如果您单击接受下载, you have likely allowed the installation of malicious software and given control of your computer to the fraudster.
商业冒充骗局
骗子会通过电话联系他们的受害者, 电子邮件, or 文本 and pose as someone from an often-well-known business such as Amazon or Norton Anti-Virus. The scammer will generally state that something is wrong with your account or that a charge has been made for something you didn’t purchase. They will request that you contact them immediately to rectify the issue and at that point they may also request access to your device to process a refund. 一旦他们进入了你的设备, they ask you to login to your online banking which in the process of doing so they are stealing your login credentials/gaining access to your accounts and account information. 有关详情，请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/articles/how-spot-avoid-and-report-tech-support-scams
就业的骗局
骗子用和合法雇主一样的方式发布招聘广告——在线(在广告中), 在工作现场, 和社交媒体). 他们承诺给你一份工作，但他们想要的是你的钱和你的个人信息. 他们通常会寄给你一张支票，让你为这项工作购买设备或材料. 他们也可能要求你用这笔钱购买礼品卡. No legitimate potential employer will ever send you a check and then tell you to send on part of the money or buy gift cards with it. 支票将被退回，银行将要求你偿还假支票的金额. 有关详情，请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/articles/job-scams
假支票/超额付款骗局
骗子会通过在线销售广告联系他们的受害者, 比如Craigslist或脸谱网 Marketplace上的广告, 要求购买该物品. The scammer will send their victim a check in an amount that is more than the agreed upon purchase price and ask the victim to send the overage back to them immediately. 支票被退回，而受害者则要承担损失. 有关详情，请浏览以下的联邦贸易委员会连结: http://www.consumer.ftc.gov/features/fake-check-scams