1. AVOID BECOMING THE NEXT VICTIM SCAMS

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

3.  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 !!!! COUNTERFEIT CHECKS

4. ONLINE AUCTION / CLASSIFIED AD SCAM 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

5. 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 ONLINE AUCTION / CLASSIFIED AD SCAM

6. 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

7. MONEYMULE $$$ 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.

10. EMPLOYMENT SCAM  “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

11.  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  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” EMPLOYMENT SCAM

12. VARIATION 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. EMPLOYMENT SCAM

13. LAW ENFORCEMENT ENFORCEMENT SCAMS SCAMS  E-Mail purports to be from a high-ranking FBI official (ie. Assistant Director) or from the U.S. Secret Service, U.S. Customs and Border Protection, etc.  Attempts to defraud money out of the victim using the name and reputation of a federal government official to create an air of authenticity  E-Mail claims that the results of an investigation have authorized or legitimized 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

14. USSS SCAM EMAIL

16. NIGERIAN ADVANCE FEE / 419 SCAMS  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.) CHARACTERISTICS:

17. 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.

18. PHISHING  Use a website/logo that looks like that of the legitimate company.  Sender pretends to be a legitimate company or bank.  A fraudulent scheme involving ID Theft typically by email.

19. PHISHING EXAMPLE

23. What is a fraudulent scheme using SMS texting on cell phones called? A fraudulent scheme involving ID Theft by email is called “PHISHING”. SMISHING

24. TO: YOUR NAME HERE FROM: Unidentified Subject: Stay Alive........... Attention, 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 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 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. 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 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 wish to). 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…… Lucky You, X HITMAN SCAM EMAIL

25. HITMAN 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

26. COMPUTER VIRUS SCAMS Hacker tricks the victim into downloading a virus, trojan, malware or spyware onto their computer.  Craigslist  United Parcel Service (UPS) Delivery Problem  Anti-Virus “Scareware” Pop-Ups

27. ** 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.htmlhttp://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 COMPUTER VIRUS SCAM EXAMPLE

28. UPS Delivery Problem NR 02908 Wednesday, March 31, 2010 5:33 AM From: "Manager Ben Rhodes" support@ups.com Add sender to Contactssupport@ups.com To: xxxxxxxxx@xxxxxx.com Message contains attachments 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. 1 File (47KB) UPS_invoice_6845.zip COMPUTER VIRUS SCAM EXAMPLE

31. WHAT SHOULD YOU DO ? STOP!  STOP! THINK FIRST, ACT SECOND !!!  Conduct your own background investigation. Ask family, professors or law enforcement for guidance.  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.

33. IRS TAX RETURN SCAM  Rebate Phone Calls  Tax Refund E-Mails  Audit E-Mails  Check Verification Phone Calls