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Fraud Awareness Phishing, Vishing and Smishing
For business. For family. For life.
Fraud Awareness - Phishing, Vishing and Smishing
Fraud remains prevalent and ever changing and we only need to look to the news to understand how widespread this can be. However, we can all take steps to protect ourselves and help prevent fraud.
Phishing, vishing and smishing is when a fraudster contacts you by email, phone or text message claiming to be from your bank or another trusted organisation. Fraudsters can come across as financially or technically knowledgeable, professional and can give the impression that they know your personal details. Here are our top tips on how to avoid these types of fraud:
How to spot a phishing email:
• The sender’s address does not match the website or other emails you have received from your bank. Roll your mouse over the sender’s name to reveal the sender’s true address.
• The sender addresses you as “customer” rather than by your name.
• The tone of the email is urgent and may ask you to “act now”.
• Website links initially look legitimate, but a couple of characters are incorrect.
• The sender requests personal information.
• The email contains spelling or grammatical errors.
• The email is within an image rather than a text format. If this happens, roll your mouse over the image to reveal the true link.
How to spot a vishing phone call:
• The caller is persistent and does not give you time to think or talk to a family member or friend.
• The caller may ask you to transfer money into a new account to prevent fraud.
• You are asked for your four digit PIN or your full security password. You may be asked to confirm these by typing them into your phone.
• The caller may ask you to withdraw money and send it to them for “safe keeping”.
• You are told you are a victim of fraud and that a courier will be sent to collect your cards, bank statements, cheque books, PIN and security details.
• The caller – particularly if they claim to be from an internet provider - may ask you to logon to internet banking to check a “refund” from the company.
How to spot a smishing text:
• The text message asks you to provide personal, sensitive or financial information such as passwords to security question answers.
• The message asks you to call a number, which is unknown to you. In this case, always call the provider on the number you know.
• The text is written in an urgent tone, asking you to “act now”.
Email Fraud
Email account hacking is when fraudsters gain access to your email account allowing them to send emails from your account to your contacts and others.
How do criminals hack emails?
• By using common passwords e.g. password; QWERTY; 123456
• Via spam emails.
• Viruses.
• Phishing.
• Shoulder surfing (looking over your shoulder) when you enter login details.
How you can protect yourself from email hacking:
• Use different passwords for different accounts. If a hacker gains control of one email account, they will try to use the same password for others.
• Use a strong password which uses a combination of upper and lower case letters, characters and numbers.
• Avoid using public computers or public Wi-Fi to access your email address or online bank account.
• Use an anti-virus software to help protect your computer from attacks.
• Be aware of shoulder surfing, especially when logging in from a public place.
• Be wary of free Wi-Fi networks in public places where you are asked to enter your email and password. Fraudsters set these up in order to gain access to your email and passwords.
• Do not tell anyone your password and change it immediately if you think it has been compromised.
What you can do if you think your email account has been hacked?
• Check your email provider’s website for guidance on what to do.
• Report the incident to your email provider.
• Change your password on this account and any other accounts with the same password.
• Be vigilant to ensure your accounts are now secure.
• Regularly monitor all your email accounts. Check your sent emails for fraudulent activity.
• Scan your computer with a reliable and updated anti-virus programme.
• Notify your Private Banker immediately. Use the number on the back of your card if you believe your bank details have been compromised.
Reporting fraud
If you believe someone has made a fraudulent attempt on your account, please call us immediately on +44 (0)20 7012 2600.
Action Fraud is the UK’s national fraud and cyber-crime reporting centre. For more information, including support if you are a victim of fraud and tips on prevention, have a look at their website: www.actionfraud.police.uk
Contact Information
Arbuthnot Latham & Co., Limited
Registered Office
Arbuthnot House7 Wilson StreetLondon EC2M 2SN
+44 (0)20 7012 2500
Dubai
Gate Precinct 4, Office 308, Level 3Dubai International Financial CentrePO BOX 482007, Dubai, UAE
+971 4 377 0900
[email protected]/dubai
Registered in England and Wales No. 819519. Arbuthnot Latham & Co., Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Arbuthnot Latham & Co., Limited DIFC Branch is regulated by the Dubai Financial Services Authority.
March 2018
