As criminals are coming up with more inventive ways of defrauding you in order to steal your personal information and money, here are some tips to stay safe online.
Be wary of emails requesting you to change bank account details or make payment to someone you have not paid before. Scam emails have the following characteristics.
• Emails pertaining to be from Suppliers advising they have changed their account details for payments for a variety of reasons.
• The “from” field is designed to look like the emails are from a company manager, director or senior staff members email account requesting that an urgent payment is made.
• The email address may be slightly different to the genuine one e.g. there may be a slight misspelling.
• The language/wording used may be unusual for your company/supplier ; e.g. asking you to “sort” or complete a “financial obligation” or a “wire transfer”
• The email may have an unusual timestamp, this indicates that it’s coming from a jurisdiction different to what you would expect.
The sender may indicate they are uncontactable on the phone.
Be wary of malware on your pc that displays screens that purport to be Business banking screens. Examples of fraudulent requests include
• Verify your identity
• Security challenge
• User Authentication
Be wary of opening documents from sources you are not familiar with.
• In particular be wary of opening documents containing macros of which state that the content will not be visible until the macro feature is enabled.
• Ensure macros are automatically disabled as standard on your PC.
• Be wary of any emails or phone calls claiming to be from the bank or suppliers requesting you to update information or to make payments.
• Install and regularly update firewall software.
• Review your antivirus software protection on every PC & Laptop used to access Business banking and be on your guard for suspicious activity on your PC e.g. slow response times, unusually high CPU/Memory utilisation.
• Never make payments on foot of an email request without contacting the supplier, manager or director using the existing agreed phone number to verify the request – do not use any of the information in the email to make contact.
• If you chose to share your logon details with a Third Party, please check that the Third Party is authorised by the Central Bank of Ireland or another European Regulator. Never share your logon details with Third Parties who are not authorised with a relevant Regulator.