AVOID BECOMING THE NEXT VICTIM

1. SCAMS WORTHY OF TRUST AND CONFIDENCE AVOID BECOMING THE NEXT VICTIM

2. PHISHING WORTHY OF TRUST AND CONFIDENCE • A fraudulent scheme involving Identity • Theft typically by email. • Sender pretends to be a legitimate company, • bank, friend, authority (ie. IRS, FBI), etc. • Mayuse a website/logo • that looks legitimate. • Mayuse a URL/web • address that appears • legitimate.

3. PHISHING WORTHY OF TRUST AND CONFIDENCE • Victim falls for Phisher’s tactics and • volunteers their personal information. • A link clicked on by the Victim in the • Phisher’s email downloads malware onto • the Victim’s computer • (ie. keystroke logger) • which captures the • Victim’s personal • information.

4. PHISHING WORTHY OF TRUST AND CONFIDENCE Social Security Number Credit/Debit Card Numbers Passwords Email Addresses Date of Birth User Names Security Question Answers Bank Account Number

5. PHISHING EXAMPLE WORTHY OF TRUST AND CONFIDENCE

6. PHISHING EXAMPLE WORTHY OF TRUST AND CONFIDENCE

7. PHISHING EXAMPLE WORTHY OF TRUST AND CONFIDENCE

8. PHISHING EXAMPLE WORTHY OF TRUST AND CONFIDENCE pallen@fortworthdentist.com pallen@fortworthdenstist.com BEWARE of subtle changes in email addresses and URL/website addresses.

9. The message reads: Can you do this? My middle name __________, my age ___, my favorite soda _______, my birthday ___/___/___, whose the love of my life ______, my best friend _____, my favorite color ______, my eye color _______, my hair color ______ my favorite food ________ and my mom's name __________. Put this as your status and see who knows you best. SOCIAL NETWORK WEBSITES WORTHY OF TRUST AND CONFIDENCE !!! PASSWORD SECURITY !!!

10. The message reads: Can you do this? My middle name __________, my age ___, my favorite soda _______, my birthday ___/___/___, whose the love of my life ______, my best friend _____, my favorite color ______, my eye color _______, my hair color ______ my favorite food ________ and my mom's name __________. Put this as your status and see who knows you best. DEMONSTRATION OF PASSWORD FAILURE WORTHY OF TRUST AND CONFIDENCE

11. The message reads: Can you do this? My middle name __________, my age ___, my favorite soda _______, my birthday ___/___/___, whose the love of my life ______, my best friend _____, my favorite color ______, my eye color _______, my hair color ______ my favorite food ________ and my mom's name __________. Put this as your status and see who knows you best. SOCIAL NETWORK WEBSITES WORTHY OF TRUST AND CONFIDENCE PASSWORD TACTICS: • Don't use passwords that are based on personal • information that can be easily accessed or guessed. • Don't use words that can be found in any dictionary of • any language. • Use both lowercase and capital letters. • Use a combination of letters, numbers, and special • characters. • Use passphrases when you can. • Use different passwords on different systems. EXAMPLE: 1HlmpR^8

12. The message reads: Can you do this? My middle name __________, my age ___, my favorite soda _______, my birthday ___/___/___, whose the love of my life ______, my best friend _____, my favorite color ______, my eye color _______, my hair color ______ my favorite food ________ and my mom's name __________. Put this as your status and see who knows you best. SOCIAL NETWORK WEBSITES WORTHY OF TRUST AND CONFIDENCE 1. PASSWORD SECURITY 2. GAMES AND WIDGETS Who Knows You Best? The message reads: “Can you do this? My middle name ___ , my age ____ , my favorite soda ______ , my birthday __/__/___ , whose the love of my life ______ , my best friend in high school ______ , my favorite color ________ , my favorite food ________ , my mother’s name ________. Put this as your status and see who knows you best.”

13. The message reads: Can you do this? My middle name __________, my age ___, my favorite soda _______, my birthday ___/___/___, whose the love of my life ______, my best friend _____, my favorite color ______, my eye color _______, my hair color ______ my favorite food ________ and my mom's name __________. Put this as your status and see who knows you best. SOCIAL NETWORK WEBSITES WORTHY OF TRUST AND CONFIDENCE 1. PASSWORD SECURITY 2. GAMES AND WIDGETS 3. LOOK AT THE VIDEO (OR PHOTO) I FOUND OF YOU!

14. The message reads: Can you do this? My middle name __________, my age ___, my favorite soda _______, my birthday ___/___/___, whose the love of my life ______, my best friend _____, my favorite color ______, my eye color _______, my hair color ______ my favorite food ________ and my mom's name __________. Put this as your status and see who knows you best. SOCIAL NETWORK WEBSITES WORTHY OF TRUST AND CONFIDENCE

15. The message reads: Can you do this? My middle name __________, my age ___, my favorite soda _______, my birthday ___/___/___, whose the love of my life ______, my best friend _____, my favorite color ______, my eye color _______, my hair color ______ my favorite food ________ and my mom's name __________. Put this as your status and see who knows you best. SOCIAL NETWORK WEBSITES WORTHY OF TRUST AND CONFIDENCE 1. PASSWORD SECURITY 2. GAMES AND WIDGETS 3. LOOK AT THE VIDEO (OR PHOTO) I FOUND OF YOU! 4. CHAT MESSAGE FROM FRIEND

16. The message reads: Can you do this? My middle name __________, my age ___, my favorite soda _______, my birthday ___/___/___, whose the love of my life ______, my best friend _____, my favorite color ______, my eye color _______, my hair color ______ my favorite food ________ and my mom's name __________. Put this as your status and see who knows you best. SOCIAL NETWORK WEBSITES WORTHY OF TRUST AND CONFIDENCE LINK TO FAKE FACEBOOK PAGE

17. The message reads: Can you do this? My middle name __________, my age ___, my favorite soda _______, my birthday ___/___/___, whose the love of my life ______, my best friend _____, my favorite color ______, my eye color _______, my hair color ______ my favorite food ________ and my mom's name __________. Put this as your status and see who knows you best. SOCIAL NETWORK WEBSITES WORTHY OF TRUST AND CONFIDENCE 1. PASSWORD SECURITY 2. GAMES AND WIDGETS 3. LOOK AT THE VIDEO (OR PHOTO) I FOUND OF YOU! 4. CHAT MESSAGE FROM FRIEND 5. WE’RE STUCK! HELP!!!!

18. The message reads: Can you do this? My middle name __________, my age ___, my favorite soda _______, my birthday ___/___/___, whose the love of my life ______, my best friend _____, my favorite color ______, my eye color _______, my hair color ______ my favorite food ________ and my mom's name __________. Put this as your status and see who knows you best. SOCIAL NETWORK WEBSITES WORTHY OF TRUST AND CONFIDENCE Subject: SAD NEWS!!!! How are you doing? Honestly, I’m doing pretty awful! I’m with family on vacation in London, England and we got mugged last night in alley by a gang of thugs on our way back from shopping. One of them had a knife poking my neck for almost two minutes and everything we had on us including my cell phone, credit cards were all stolen, quite honestly it was beyond a dreadful experience for us but looking on the bright side we weren’t seriously hurt or injured and we are still alive so that is what’s important. I’ve reported to the cops here and canceled all our cards. Because of this, I’m really having some difficulties clearing our hotel bills and also need to pick up a voucher ticket at the counter for us to catch a flight back home in a couple of hours. I was wondering if you could please loan me some $$? You can wire money to this location via Western Union….. PLEASE HELP!!

19. WORTHY OF TRUST AND CONFIDENCE A fraudulent scheme involving Identity Theft by email is called “PHISHING”. What is a fraudulent scheme using SMS texting on cell phones called? SMISHING

20. IRS TAX RETURN SCAM WORTHY OF TRUST AND CONFIDENCE • Rebate Phone Calls • Tax Refund E-Mails • Audit E-Mails • Check Verification Phone Calls

21. CREDIT CARDS WORTHY OF TRUST AND CONFIDENCE

22. CREDIT CARD SECURITY SCAM WORTHY OF TRUST AND CONFIDENCE • 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.

23. WORTHY OF TRUST AND CONFIDENCE MONEY MULE $$$ A money mule is a person who transfers stolen money or merchandise from one country to another. The term is commonly used to describe on-line scams that prey on victims who are unaware that the money or merchandise they are transferring is stolen. In these scams, the stolen money or merchandise is transferred from the victim's country to the scam operator's country.

24. NIGERIAN ADVANCE FEE / 419 SCAMS WORTHY OF TRUST AND CONFIDENCE CHARACTERISTICS: • Many different cover stories • (ie. lottery, inheritance, business deal, • charity, etc.) • Government Official, Lawyer, Judge, Law Enforcement, • Doctor, Widow, CEO

25. USSS SCAM EMAIL WORTHY OF TRUST AND CONFIDENCE

26. NIGERIAN ADVANCE FEE / 419 SCAMS WORTHY OF TRUST AND CONFIDENCE CHARACTERISTICS: • Many different cover stories • (ie. lottery, inheritance, business deal, • charity, etc.) • Government Official, Lawyer, Judge, Law Enforcement, • Doctor, Widow, CEO • Official Looking Documents or Checks • Sense of Urgency • Confidential nature emphasized • “Wire”, “Send”, “Ship” $ or Deposit $ Into Account • Delivered by Regular Mail, E-Mail/Internet, Telephone

27. WORTHY OF TRUST AND CONFIDENCE NEED A JOB? $ $ $

28. WORTHY OF TRUST AND CONFIDENCE

29. EMPLOYMENT SCAM WORTHY OF TRUST AND CONFIDENCE • “Employer” advertises the job opening in a legitimate • forum (ie. online or in the 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 • “Employer” may require victim to open a “business” • bank account or provide their own bank account • information to conduct business

30. EMPLOYMENT SCAM WORTHY OF TRUST AND CONFIDENCE • Victim’s job responsibilities include depositing checks • or money orders OR receiving direct deposits into their • bank account. Victim instructed to wire transfer the • money to someone designated by the “Employer” • 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

31. EMPLOYMENT SCAM WORTHY OF TRUST AND CONFIDENCE VARIATION: 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.

32. ROMANCE SCAM WORTHY OF TRUST AND CONFIDENCE Meet Pamela Scott • 29-Year Old Single Woman • Native of South Africa • Lives in North Carolina • Very interested in • everything about you. • Struggling artist trying to • open her own art gallery. • Needs help shipping her art from Africa to the U.S. CAN YOU HELP ??

33. ROMANCE SCAM WORTHY OF TRUST AND CONFIDENCE Pamela Scott is actually: • Mustapha Dayo • Male in his 20s • Lives in Nigeria • Doesn’t care anything • about you. • He does need your help … • TO SEND HIM $$$$$

34. ROMANCE SCAM WORTHY OF TRUST AND CONFIDENCE • Prey on both men and women. • Be wary of chat messages and legitimate • dating websites!!! • Could spend weeks or months establishing • the relationship. Feign interest in you/love. • Offer a convincing story: • - Family member with a disease • - Legal troubles • - Need $ for airline tickets to visit you • - $ for business venture • - Help with a charity

35. WORTHY OF TRUST AND CONFIDENCE WHAT IF YOU WERE ASKED TO SEND $ TO SOMEONE IN THE U.S.? STILL A SCAM!!!!

36. CRAIGSLIST COMPUTER VIRUS SCAM WORTHY OF TRUST AND CONFIDENCE ** CRAIGSLIST ADVISORY --- AVOID SCAMS BY DEALING LOCALLY** Avoid: wiring money, cross-border deals, work-at-home** Beware: cashier checks, money orders, escrow, shipping** More Info: http://www.craigslist.org/about/scams.html Hi There, I am very interested in purchasing the love seat you have or sale on Craigslist. I may even be willing to pay you a little more than what you are asking if it is what I am looking for. My brother has a very similar love seat in his apartment I believe. Can you please take a look to see if what you have for sale is similar to what my brother has by clicking on the following link VID 1 ? Thanks, I look forward to hearing back from you. All the best, George

37. COMPUTER VIRUS SCAM EXAMPLE WORTHY OF TRUST AND CONFIDENCE UPS Delivery Problem NR 02908 Wednesday, March 31, 2010 5:33 AM From: "Manager Ben Rhodes" support@ups.com Add sender to Contacts To: xxxxxxxxx@xxxxxx.com Message contains attachments 1 File (47KB) UPS_invoice_6845.zip Dear customer! We were not able to deliver your postal package which was sent on the 22nd of December in time because the addressee's address is incorrect. Please print out the invoice copy attached and collect the package at our department. United Parcel Service of America.

38. COMPUTER VIRUS SCAM EXAMPLE WORTHY OF TRUST AND CONFIDENCE

39. WHAT SHOULD YOU DO ? WORTHY OF TRUST AND CONFIDENCE • STOP! THINK FIRST, ACT SECOND !!! • Companies/Agencies should never ask you • for your personal information over the phone • or via e-mail. DON’T RESPOND! Never give • out your personal info over the phone or • internet unless you initiate contact and you • know you are dealing with a true company • representative. • Conduct your own background investigation. • Ask family, professors or law enforcement for • guidance.

40. WORTHY OF TRUST AND CONFIDENCE QUESTIONS???

41. WORTHY OF TRUST AND CONFIDENCE DALLAS MORNING NEWS craigslist

42. COUNTERFEIT CHECKS WORTHY OF TRUST AND CONFIDENCE • Use “Off-the-Shelf” Check • Writing Software • Use High Quality Scanners • Printers and Paper YOUR NAME HERE • May Contain Security Features • (ie. Watermarks, Micro Printing) • Bank Account #s and • Routing #s May Be Real • (obtained thru ID Theft) • Printed with Names of Legitimate • Financial Institutions and • Companies (US or Foreign) • Money Orders • Cashiers Checks • Personal Checks • Corporate Checks • Travelers Checks • U.S. Treasury Checks YOUR NAME HERE

43. COUNTERFEIT CHECKS WORTHY OF TRUST AND CONFIDENCE YOUR NAME HERE • The suspect wants the victim to send the money • before the victim finds out the check is counterfeit. • Just because funds are available on a check you’ve • deposited, does not mean the check is good !!!!! • Until the bank tells you the check has cleared, • YOU ARE LIABLE !!!!

44. ONLINE AUCTION / CLASSIFIED AD SCAM WORTHY OF TRUST AND CONFIDENCE craigslist • “Buyer” sends overpayment for goods to cover S&H • “Buyer” requests refund via wire transfer for remainder • of money • “Buyer’s” payment is fraudulent and Seller loses the $ OR • “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 is fraudulent and Seller loses the • money

45. ONLINE AUCTION / CLASSIFIED AD SCAM WORTHY OF TRUST AND CONFIDENCE craigslist • “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

46. ONLINE AUCTION / CLASSIFIED AD SCAM WORTHY OF TRUST AND CONFIDENCE FRAUDULENT CAR ADS POSTED IN LOCAL NORTH TEXAS NEWSPAPERS