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1. Sharings on this Padlet can include but are not limited to, examples of internet fraud, related laws, campaigns to combat internet fraud (government/ground up). Feel free to attach links to websites, images and videos.

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ASEAN Perspective - Hate Speech: https://bit.ly/ASEANHateSpeech

ASEAN Perspective - Fake News: https://bit.ly/ASEANFakeNews

ASEAN Perspective - Internet Fraud: https://bit.ly/ASEANInternetFraud

Merlion Park - Photo Storytelling: https://bit.ly/MerlionStation

Statues Trail: https://bit.ly/ScamStatues

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Grp 9 - more than 380 victims were victims of love scam in Singapore. Fake partners claimed to send valuable gifts and couriers would call to inform that items were detained by authorities. To retrieve them, victims had to send money through online banking.

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Group 9 -
Scammers are imposing and creating fake profiles to scam people through the use of Facebook. Anyone who posted their phone number in the comment box and shared the message would receive $100.

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Scammers are using Facebook to gather personal information from gullible users and defraud them through popular mobile money services.

By YE MON | FRONTIER

The post went viral almost immediately after it appeared on Facebook in May. "Wave Money will transfer K140,000 to everyone who shares this post. Share the post now; this offer is genuine," it said, referring to the mobile money service.

The offer, posted from an account with a fake profile, said Microsoft co-founder Mr Bill Gates, one of the world's richest people, had donated US$300 million for poor people throughout the world and everyone who posted their phone number in the comment box and shared the message would receive $100.

A few days later, the post was deleted and the fake account profile disappeared from Facebook. Similar posts from fake accounts have appeared on many Facebook groups and pages. All of them ask users to share the posts and insist they post their mobile phone numbers in the comments section.

Frontier has found at least three groups posting about donations: " Sa Yin Pay Kya Thu Myar", ("Subscribers"), " Myanmar Naing Ngan Mha Ahlu Shin Myar Su Si Yar" ("Myanmar Charity Donors"), and " Myanmar Naing Ngan Ballone Athin Myar Ahpwe Chote " (Myanmar Football Clubs Organisation).

Although such posts are not new, they appear to be increasing in frequency, and some of them use COVID-19 themes to trick Facebook users into giving up personal information.

One post in the Myanmar Charity Donors group claims that the actor Wai Lu Kyaw and "Win Ko Ko Latt Foundation" have donated K500 million, and will provide K100,000 each to 5,000 people. The post, which has since been removed, features a photo of Wai Lu Kyaw, as well as photos of unidentified people counting and distributing money.

It is not known how many users eager to receive a payout have responded to the posts by sharing them and providing their mobile phone numbers, but some of the most popular posts have been shared more than 10,000 times.

What is certain though is that most of them have no idea the messages are fake. The messages are designed to elicit mobile phone numbers so that scammers can later try and trick the owners into transferring them money.

Among those who have been duped by the fake messages are Daw Theingi Soe from Mingaladon Township in Yangon Region, Ma Hay Man Oo from Ayeyarwady Region's Kyonpyaw Township, and Ko Ye Min Htet from Ayadaw Township in Sagaing Region.

Theingi Soe told Frontier on July 4 that she had noticed that many users were sharing one of the posts and providing their phone number in the comment box. She said she believed that all the people sharing the post must have received money from whoever created the page or account.

"I haven't received anything yet because they haven't transferred the money to my number through Wave Money. I did not realise that the post was a money scam and I don't understand why I so readily provided my phone number," she said.

Theingi Soe said a nephew had seen her comments on the Facebook page and had warned that scammers might use her phone number to try and defraud her. "I decided to never again share or comment on that kind of post and I deleted my phone number from the posts," she said.

Theingi Soe is far from alone in being deceived by the Facebook posts.

Hay Man Oo from Ayeyarwady Region said she was still waiting for a payout after responding to one of the fake pages despite having been sent a screen shot purporting to show a Wave Money transfer. She no longer trusted any pages promising a payout.

"When you asked me about this, I felt fearful and I really want to know why the scammers are asking for phone numbers," Hay Man Oo told Frontier on July 7.

Ko Han Min Oo, a digital security associate at Phandeeyar, a community tech hub in Yangon, said scammers want the phone numbers because they intend to cheat Facebook users.

He said the low level of understanding about digital security in Myanmar could be exploited by scammers.

"The government needs to educate the people about digital literacy," Han Min Oo told Frontier on July 3.

After Ye Min Htet provided his phone number in a response to the fake offer of a payout from Bill Gates, he was contacted by a person who claimed to be vice chairman of the Central Bank of Myanmar and told he was due to receive K17.5 million from the government's COVID-19 Economic Relief Plan.

In the call on July 3, Ye Min Htet was told he would first need to deposit K350,000 in a Wave Money account and then would receive a seven-digit code that he could show at Myanmar Economic Bank to claim a payment of K17.5 million.

"The scammer said the payment was ordered by President U Win Myint and State Counsellor Daw Aung San Suu Kyi. People trust the scammers easily when they use the names of the heads of state," he told Frontier on July 3.

Ye Min Htet said he did not transfer the K350,000 because he had seen warnings on Facebook that a scammer was masquerading as the vice chairman of the central bank.

"The scammer did not get money from me, but he will prey on someone else," he said.

The use of fake Facebook accounts for scams seems to be emerging as a serious problem, with many targeting users of mobile money applications such as Wave Money, which is the country's largest platform with 58,000 agents, and KBZ Pay, which is linked to the country's largest private bank.

In June, the rector of Meiktila Computer University reportedly lost around K1 million after she gave her KBZ Pay password to someone who claimed to be from the company and said they needed it for system maintenance purposes.

U Aung Bhone Myint, a captain in the Myanmar Police Force, said he was contacted on July 8 by a person pretending to be from KBZ Pay, who told him he'd won first prize in a lucky draw. They said he could withdraw the money himself, or they would transfer it through KBZ Pay. They said a six-digit code would be sent to his phone, and he should send it back to them.

The scammers were apparently trying to get him to provide a six-digit one-time password, or OTP, that would enable them to reset the login password to his KBZ Pay account. With that they could login from another device and access his funds.

Aung Bhone Myint said he knew immediately that they were trying to trick him, and gave them a fake six-digit number, after which they hung up.

He said online scam posts and phone calls were becoming more common and the Myanmar Police Force should form a special team in order to speed up the investigation process.

"At the moment when a victim opens the case at a police station, we have to send a permission letter to the Ministry of Transport and Communications to trace the phone number. It takes at least a week," he said.

The other victims include Ma Yu Nandar Hmine, from Mandalay Region's Chan Mya Tharzi Township, who said she was defrauded after posting a comment on Wave Money's official Facebook page on March 20 about upgrading her account from a maximum limit of K50,000.

Yu Nandar Hmine said the next day she was contacted by a Facebook personal account named "Wave Momey" that used the Wave Money logo.

The account asked her for her phone number, Citizenship Scrutiny Card number, a six-digit one-time password and the four-digit PIN she uses to log in to her account.

"After I sent them, I received a notification that K50,000 had been withdrawn from my account on March 21," she said, adding that another K10,000 was withdrawn the following day.

Yu Nandar Hmine said she complained to the Wave Money call centre and was initially advised to file a report to the police. After her husband posted an account of her experience on Facebook, Wave Money asked her to delete the post and paid her the K60,000 she had been scammed, she said.

Yu Nandar Hmine also wrote to the Consumer Protection Association but she said it responded that it could not take up her complaint because she had not been communicating with Wave Money's official Facebook page, which has a blue mark.

"I never checked the auto reply message and did not notice that the fake account has no blue mark," she said. "Now, the fake account has blocked me. I will not be seeking legal action through the police but I will never use Wave Money again."

A Wave Money spokesperson told Frontier that the company is "constantly educating mobile money users not to share their personal information".

"Yu Nandar Hmine shared both her one-time-password and PIN, which she should not share in any circumstance," they said.

The allegations in her husband's Facebook post had "hurt the integrity of our service and our brand", the spokesperson said, and been posted even after she had found out she had been defrauded and been advised to complain to police.

"We offered to pay the K60,000 in good faith so as to help resolve the situation and minimise the damage it is causing as well," they said.

The spokesperson said that Wave Money receives a very low level of complaints relative to overall transactions; in the first half of this year, just 0.001 percent of all transactions resulting in a "dispute".

Regarding scams specifically, Wave Money said they were successful "due to lack of digital literacy" rather than any specific weaknesses with the Wave Money platform.

The spokesperson said the company was aware that scammers were contacting customers directly in "disguise" and getting them to divulge personal information, and it was taking every step possible to stop its customers from being cheated.

After receiving the complaint from Yu Nandar Hmine, Wave Money informed Facebook so that the "Wave Momey" account could be removed, the spokesperson said.

"A major factor we found in most fraud cases occur when users are not conforming to secure usage guidelines. Usually, this is due to leak of personal information that should not be revealed publicly," the spokesperson said.

"We are continuously educating our customers regarding the mobile money security to protect them against external threats."

Phandeeyar's Han Min Oo said that while low digital literacy was partly to blame, Wave Money's "security system has many weaknesses" because agents and customers are not following the recommended procedures.

For what's known as a Wave Shop Transfer - when two people without Wave Money accounts transfer money between Wave Shop agents - the sender is supposed to give their mobile number and a photo of their ID, along with the mobile number and ID of the recipient.

They then enter a secret 6-digit code, which they are supposed to give to the recipient only to withdraw the money. The Wave Shop agent at the other end of the transaction is supposed to only release the money if the recipient can provide photo ID and the 6-digit code.

In practice, some agents do not ask for ID, and ask the sender to choose a code, which the agent then enters. When handing out money, some agents do not ask for ID to confirm the identity of the recipient.

Wave Money said the failure of customers to follow its security guidelines did not constitute a weakness with its security system, and that security "is a top priority both inside and outside of the company".

"We have trained our agents to improve their knowledge and capacity on security awareness and customer servicing as well as to always be on alert for risks and to handle potential threats. We also do regular checks on agents to ensure they are asking to see NRC cards and we have a penalty matrix that is applied for non-compliance, including suspension of services," it said.

Like Yu Nandar Hmine, few scam victims file a complaint to police. Some seek redress through the Department of Consumer Affairs at the Ministry of Commerce, however.

The department's director, U Swe Tint Kyu, said it had received 83 complaints about money transfers this year to the end of June, of which 60 had been resolved.

There were often faults on both sides, Swe Tint Kyu told Frontier on July 8, adding that the department had found that the security systems of mobile money transfer companies did not always provide enough protection for customers.

"[The department] has instructed them to upgrade their systems and find solutions that enable customers to avoid scams," he said. Educating customers about scams was part of the solution.

The Consumer Protection Law provides for victims to open cases at police stations if they are dissatisfied with the outcome of the department's handling of a complaint.

Swe Tint Kyu said a complaint could involve up to three steps, depending at what level it was resolved. The first step was for the department to arrange negotiations between the consumer and the business owner at the township level, and if they were unsuccessful either side could appeal to state or regional consumer protection committees. If either party was dissatisfied with a committee's decision it could appeal to the Consumer Protection Commission.

Swe Tint Kyu said the commission's rulings were final but consumers or business owners who are dissatisfied could open cases at police stations under section 79 of the 2019 Consumer Protection Law.

They can also bypass the department altogether by filing a complaint directly to police under section 66(c) of the Telecommunications Law.

But Daw Khine Shwe Wah, a deputy director-general at the Central Bank of Myanmar, said while action could be taken against scammers under the Telecommunications Law, it was not easy to open cases because of the number of documents required.

But stronger legal protections are on the way, she told Frontier on July 8.

"The first draft of the National Payment System Law has been finished and it includes provisions aimed at preventing money scams," Khine Shwe Wah said. "Consumers will be able to use this law to sue mobile money companies if they are victims of money scams because of weak security systems."

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Cyberspace swindlers prey on the credulous

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By YE MON | FRONTIER The post went viral almost immediately after it appeared on Facebook in May. "Wave Money will transfer K140,000 to everyone who shares this post. Share the post now; this offer is genuine," it said, referring to the mobile money service.

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https://www.mas.gov.sg/news/media-releases/2022/mas-imposes-additional-capital-requirement-on-ocbc-bank-for-deficiencies-in-response-to-spoofed-sms-phishing-scams

Following the scams, OCBC engaged an independent firm to review its systems and processes. Deficiencies were noted in the bank’s mitigation of identified risks, pre- and post-transaction controls, incident management and complaints handling, resulting in delays in containment measures and customer response time.

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Mr Ravi Menon, Managing Director of MAS, spoke on the opportunity to build a more resilient and sustainable world emerging from COVID-19, and provided an update on Singapore's Green Finance Action Plan to facilitate Asia's transition to a sustainable future.

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MAS Imposes Additional Capital Requirement on OCBC Bank for Deficiencies in Response to Spoofed SMS Phishing Scams

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Mr Ravi Menon, Managing Director of MAS, spoke on the opportunity to build a more resilient and sustainable world emerging from COVID-19, and provided an update on Singapore's Green Finance Action Plan to facilitate Asia's transition to a sustainable future.

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In 2022, many Indonesia Young population got scams by ilegal Investment by call & chat under a very similar official financial company's name. The form of the Investment scams was giving a huge benefit for a short term Investment which not true & all the victims got losses.

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Group 8- Imposters will use social media platforms to message their friends and followers. They will ask them to transfer money to them and they will disappear. Basically the hackers will use the social media account to message their relatives to get the money.

People should be aware of such imposters and hackers. They should call or video call their family members to verify this request before transferrin the money

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Digital fraud's impact to digital economy -Group 15

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Digital fraud's impact to digital economy -Group 15

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An increase in internet fraud targeted to businesses and consumers in the Philippines was observed during the COVID-19 pandemic. Most people choose to have online transactions to limit their physical interaction but little did they know that they are being vulnerable to internet fraud. This is a concern because it is potentially disastrous for the country's digital economy.

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MANILA - Increasing digital fraud attempts against businesses and consumers in the Philippines was observed during the coronavirus disease 2019 (Covid-19) pandemic, according to the Global Consumer Pulse study of global information and insights company TransUnion.

The study was based on intelligence from billions of transactions and over 40,000 websites and apps from TransUnion TruvalidateTM, a flagship identity proofing, risk-based authentication, and fraud analytics solution suite.

In its Global Consumer Pulse study, 44 percent of Philippine-based consumers have been targeted by digital fraud in the last three months.

It said Salcedo in Eastern Samar, Makati City, and Manila were the top three areas with the highest share of suspected fraudulent digital transactions.

Online fraud attempts were mostly targeted to Gen Z, or those born between 1995 and 2002, at 48 percent; followed by Millennials, or born between 1980 and 1994, at 42 percent.

"Fraudsters are always looking to take advantage of significant world events. The Covid-19 pandemic and its corresponding rapid digital acceleration brought about by stay-at-home orders is a global event unrivaled in the online age," TransUnion Philippines president and chief executive officer Pia Arellano said in a statement Wednesday.

In terms of digital fraud attempts against enterprises, TransUnion has seen a 31-percent increase in attacks this year from pre-pandemic level in March 11, 2019 to March 10, 2020 during the Covid-19.

Suspected digital fraud attempts in the country were high in sectors of telecommunications, logistics, and financial services, the study indicated.

"Results showed a significant increase in attempted fraud from the Philippines against telecommunication companies. With more than a ten-fold increase (1,108 percent), this has been a significant development during Covid-19 times," TransUnion said.

It added the scammers are using fraudulent credit cards to purchase high-end phones and sell them back on the black market.

"Fraud can have a potentially disastrous impact on a business' and a consumer's finances. In our increasingly digital economy, being able to spot fraudulent transactions whilst still providing genuine consumers with a great experience is a balancing act that organizations need to solve. By using the latest solutions, businesses can build trusted relationships and transact with confidence knowing they are safeguarding both themselves and the consumers they serve," Arellano said. (PNA)

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Digital fraud attempts in PH rise amid pandemic

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MANILA - Increasing digital fraud attempts against businesses and consumers in the Philippines was observed during the coronavirus disease 2019 (Covid-19) pandemic, according to the Global Consumer Pulse study of global information and insights company TransUnion. The study was based...

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Online Commerce Fraud in Thailand - Group 15 

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Online Commerce Fraud in Thailand - Group 15 

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82.6% of online commerce buyers in Thailand did not receive their goods upon payment as they bought it through phishing websites and more than half of the victims did not take actions as they believe that government actions are ineffective in helping them to recover the damages.

Therefore, Thailand has ramp up efforts by introducting campaigns and public relations education to citizens to boost their awareness various fraud patterns or phishing websites. The government has also established partnerships with private sectors to establish tight payment terms along with telecommunications operators to ban and surpress phishing websites to curb internet frauds.

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The most common form of scam is phishing email/SMS. The type of scam with the highest victimisation rate is online sales. Some 82.6 per cent of online goods buyers did not receive the product, but the average damage at THB600 - THB700 per person was not very high. In comparison, phishing email/SMS, personal data scams, hacking or fraudulent requests for credit card information and investment scams have low victimisation rates, but the damage value is quite high.

Also, more than half of the victims take no action and believe that the government's prevention/management was not as effective as it should be.

More than 54.1 per cent of the sample group did not take any action as:

- the damage had already been inflicted
- difficulty
- lack of time
- a belief that it won't help in any way
- the loss amount is not high.

In addition, most of them still do not know the appropriate notification channels.

Regarding factors affecting deception and survival, the survey found that risk behaviour in using modern communications technology and individual personality are important factors that make some people more vulnerable to becoming a victim, while knowledge of information about frauds can reduce the chance of becoming a victim.

However, there are some scams against which one cannot be protected by news awareness, such as malware scams, bank account/social media hacking, and fraud requesting credit/debit card information.

Scammers' technology and skills/strategies are key factors in reaching and luring victims, such as through loan applications and online job applications, for deceptive tactics such as communication and persuasion, creation of credibility, and victim selection.

However, there are limitations to coping with the problem as scams are constantly evolving in new forms, becoming more complex and harder to be aware of. Information about scams is sparse. The collection and storage of data are not systematic. These make it difficult to assess the situation and picture the overall problems.

The management of fraud problems by government agencies is not as effective as it should be due to the lack of proactive work in terms of defence, educating society to be up-to-date, and developing investigation methods to keep up with the situation. Moreover, many scams are transnational organised crime/criminals, making them unable to find the mastermind.

Following this study, the NESDC has come out with some proposals aimed at helping the country tackle the problems better.

Thailand needs to build immunity for living in the digital era by campaigning/public relations to educate people about various scam patterns that they need to be aware of. It includes campaigning for the public sector to participate in providing information and reporting clues, whether there is damage or not, in order to provide information for effective deterrence.

Also, the government has to establish partnerships with the private sector as a communications intermediary to help stop or curb the problem of scams before they spread to the wider society. For example, trading platform businesses have tight/strict subscription terms, and mobile operators must be empowered to suppress suspicious numbers.

Meanwhile, the government should consider setting up a specific agency with oversight duties to prevent and deter scams through the internet and modern communications. It should provide an information centre, coordinating and developing prevention tools and investigating wrongdoings. It must work together with other relevant agencies and build mutual international cooperation on the suppression of transnational cybercrimes by coordinating information, news and facilitating investigation of relevant officials.

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Online scams in Thailand rose sharply, inflicted over THB1 billion losses

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The most common form of scam is phishing email/SMS. The type of scam with the highest victimisation rate is online sales. Some 82.6 per cent of online goods buyers did not receive the product, but the average damage at THB600 - THB700 per person was not very high.

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Between 2019 to 2021, Malaysians reported several incidences of online purchase and loan scams. The government established Royal Malaysia Police (RMP) to tackle such syndicates by strengthening their law enforcements, operations and penalising those involved. There is also the 'CCID Scam Response Center' where the public may get information and verify suspicious transactions.

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51,631 online fraud cases in Malaysia from 2019 to 2021, involving over RM1.61b in losses, Dewan Rakyat told

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KUALA LUMPUR (March 14): There were 51,631 online fraud cases with more than RM1.61 billion in losses reported from 2019 to last year, the Dewan Rakyat was told on Monday (March 14).Deputy Home Affairs Minister Datuk Jonathan Yasin said the highest was online purchases with 18,857 cases, followed by…

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Bank Islam Brunei Darussalam was proactive against phishing scams - GROUP 11

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Bank Islam Brunei Darussalam was proactive against phishing scams - GROUP 11

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In 2016, the Bank Islam Brunei Darussalam posted in their official Facebook page about the then matters on phishing scams. They are reminding the public to take extra precaution and even provided them with preventive measures to counter these fraudulent activities.

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The top three common scams involving seniors aged 60 and above were phishing scams, social media impersonation scams and investment scams. Both phishing and investment scams increased and the number of phishing scams tripled. Investment scams increased by 77%. There was an elderly who lost $40,000 life savings due to a scam which claimed to be from the Beijing Municipal Public Security Bureau investigating a case of money laundering, she trusted him.
https://www.straitstimes.com/singapore/courts-crime/some-scam-types-seeing-more-seniors-falling-prey-to-them

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Some scam types see more seniors falling prey to them

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When Madam Lim spoke to a man named Captain Song Ye Ting, who claimed to be from the Beijing Municipal Public Security Bureau investigating a case of money laundering, she trusted him. Read more at straitstimes.com.

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Recently, scammers are using big companies’ names to prey on individuals. For example, Shopee and Singpost are one of the victims. Singaporeans would receive messages regarding unsuccessful order due to unpaid shipping fees. Individuals would then be inclined to click on the link to pay for the ‘unpaid fees’. Shopee also put out an advisory on such scams to warn shoppers.

https://help.shopee.sg/portal/article/76788-%5BScam-Advisory%5D-What-is-SingPost-Scam%3F

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Doni Salmanan and Indra Kenz is an affilitor for binary option. binary options are actually illegal. This platform is also not an investment medium but only a gambling platform that guesses the rise or fall of an asset at a certain time.Victims' losses from affiliates Doni Salmanan and Indra Kenz reached more than IDR 50 billion.

This illegal investment case began with the victim's complaint to the Criminal Investigation Department last February. The victims felt aggrieved because they were persuaded by Doni Salmanan to play on a gambling platform under the guise of investment.

https://www.google.com/amp/s/www.cnbcindonesia.com/market/20220308115817-17-320901/duh-doni-salmanan-tahu-quotex-ilegal-kok-masih-dijual/amp

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Jakarta, CNBC Indonesia - Satu per satu afiliator binary option diciduk pihak berwajib. Setelah Indra Kenz, giliran Doni Salmanan yang hari ini dimintai keterangannya oleh polisi.

Tidak menutup kemungkinan, para afiliator bisa dijerat pasal mulai dari perlindungan konsumen hingga tindak penipuan. Hal ini sejalan dengan penuturan Ketua Satgas Waspada Investasi (SWI) Otoritas Jasa Keuangan (OJK) Tongam L. Tobing.

Menurut Tongam, berdasarkan hasil pertemuannya dengan sejumlah afiliator, binary option sejatinya ilegal. Platform ini juga bukan media investasi melainkan hanya platform perjudian yang menebak naik atau turunnya sebuah aset pada waktu tertentu.

"Mereka (afiliator) sebenarnya paham itu bukan trading karena tidak ada barang yang diperdagangkan. Itu hanya tebak-tebakan yang mirip dengan perjudian sebenarnya," terang Tongam dalam wawancara khusus bersama CNBC Indonesia, Senin (7/3/2022).

Tongam juga melihat, ada modus yang sama antara Binomo yang dipromosikan Indra Kenz dan Quotex yang Doni Salmanan promosikan. Kedua platform ini sama-sama menawarkan produk binary option yang dibungkus seolah produk investasi dari pialang luar negeri.

Produk itu ditawarkan dengan imbal hasil tinggi yang sayangnya masyarakat Indonesia masih mudah terbuai dengan tawaran semacam ini. "Mereka (afiliator) memamerkan kekayaannya, dan ini selalu diminati oleh masyarakat kita," imbuh Tongam.

Memang, Tongam tak menampik, tidak ada unsur paksaan dari para afiliator untuk mengajak masyarakt bergabung dengan masing-masing platform tersebut. Tapi, dengan promosi yang dilakukan, mereka menjanjikan sesuatu yang belum pasti dan ini sudah merupakan salah satu bantuk pelanggaran undang-undang perlindungan konsumen.

Kegiatan mereka dengan mendistribusikan informasi yang memiliki unsur perjudian juga melanggar undang-undang ITE. Promosi yang mereka lakukan dengan menarasikan keuntungan di luar kewajaran dan keuntungan pasti juga melanggar undang-undang perdagangan berjangka.

"Kegiatan mereka tentu berlawanan dengan undang-undang," tegas Tongam.

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Duh, Doni Salmanan... Tahu Quotex Ilegal, Kok Masih 'Dijual'?

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Jakarta, CNBC Indonesia - Satu per satu afiliator binary option diciduk pihak berwajib. Setelah Indra Kenz, giliran Doni Salmanan yang hari ini dimintai keterangannya oleh polisi. Tidak menutup kemungkinan, para afiliator bisa dijerat pasal mulai dari perlindungan konsumen hingga tindak penipuan. Hal ini sejalan dengan penuturan Ketua Satgas Waspada Investasi (SWI) Otoritas Jasa Keuangan (OJK) Tongam L.

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Malaysians suffered losses amounting to about RM2.23 billion from cyber-crime frauds since 2017.

To put an end to it, #TakNakScam awareness campaign was started to educate the public to curb this issue.

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Police warn against online jobs requiring use of bank accounts

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A lot of people are being tricked into transferring criminals’ illegal earnings through their bank accounts.

The criminals will post jobs that are highly paid and requirement is applicants must have bank accounts. Once they accepted the position, employees will receive money and they were instructed to transfer that money to other accounts. Their income would be calculated from the amount of money they transferred.

If the money was illegally acquired, the owner of the accounts will be charged and got penalties.

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Police warn against online jobs requiring use of bank accounts

The Bangkok Job Fair attracted many people at Fortune Town shopping centre in Bangkok in March last year. Far safer than accepting jobs advertised anonymously online. (Photo: Apichart Jinakul)

People are being tricked into taking seemingly well-paid jobs online which actually involve transferring criminals' illegal earnings through their own bank accounts, and they could be held liable, a police spokesman warned on Monday.

Pol Col Siriwat Deepo said many people had unknowingly become victims of criminals who posted job vacancies on social media.

For example, they were invited to apply online for a highly paid job in accountancy.

They could work online from home but must have a bank account.

Once accepted for the position, money would be transferred into their bank account and they were instructed to forward the funds to other accounts. Their income would be calculated on the amount of money transferred through their account.

As owner of the bank account, they were liable if the money was found to have been acquired illegally - via fraud, gambling, trade in drugs or other illicit activities.

They could be charged with being an accomplice under Section 83 of the Criminal Code or assisting in the commission of a crime under Section 86, and with violation of the Money-Laundering Act of 1999. Penalties ranged from 1-10 years in prison and/or fine of 20,000-200,000 baht.

Anyone seeing posts online inviting people to apply for jobs of this type could call the Royal Thai Police emergency numbers, 191 or 1599, around the clock to provide information, Pol Col Siriwat said.

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Police warn against online jobs requiring use of bank accounts

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Police warn against online jobs requiring use of bank accounts The Bangkok Job Fair attracted many people at Fortune Town shopping centre in Bangkok in March last year. Far safer than accepting jobs advertised anonymously online.

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Credit Card Fraud, Accessing OTPs - Group 14 

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Credit Card Fraud, Accessing OTPs - Group 14 

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The number of online fraud cases in the Philippines rose between 2019 and 2020.

Credit card fraud in the Philippines increased by 21% since the coronavirus pandemic. Many of the incidents involved scammers gaining access to one-time passwords (OTP) for online transactions.

Fraudsters would conduct a 'virtual account takeover' where they access OTPs to validate online transactions, eventually causing financial detriment to victims. The recommended solution is for regulators and telecommunication companies to tighten rules when providing customers with mobile-phone numbers or changing them and create a process to report numbers used to defraud people.

Source: https://www.bloomberg.com/news/articles/2022-01-06/credit-card-fraud-in-philippines-rises-21-as-online-deals-surge
(Link does not work when attached as source)

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1) Disrupting Scammers’ Operations through the Anti-Scam Centre

- the SPF set up the Anti-Scam Centre (ASC) under the Commercial Affairs Department (CAD). The ASC focusses on disrupting scammers’ operations and mitigating victims’ monetary losses through close collaboration with financial institutions, telecommunication companies and digital platform owners.

Since its formation, the ASC received more than 3,300 reports and was successful in freezing 2,600 bank accounts, and recovering approximately S$3.7 million of losses. The ASC enhanced its operations by working closely with banks to swiftly freeze accounts suspected to be involved in scammers’ operations. The fund transfers involving such accounts would be impeded within a matter of days – a significant improvement in process, which used to take up to two weeks.

2) Tougher Anti-Scam Enforcement Actions

-To deter local scammers from carrying out their crimes in Singapore, the Police have continued to ramp up islandwide enforcement actions. In 2019, the SPF conducted 85 operations targeting local e-commerce scammers, resulting in the arrest of 112 scammers who were responsible for 1,223 e-commerce scam cases. In addition, there were 10 enforcement operations targeting money mules who handed over their local bank accounts to scammers or assisted scammers to conduct money transfers using their personal bank accounts. In 2019, 1,040 money mules involved in more than 2,100 scam cases were investigated.

3) Public Education Efforts against Scams

- Apart from enforcement, the Police have also continued to increase public education and engagement efforts with stakeholders, such as convenience stores, remittance agencies and banks, to raise awareness of scams. This included training frontline counter staff to spot signs of individuals who could be unknowingly falling victim to scams, and displaying crime advisories prominently at counters and automated teller machines.

Together with the National Crime Prevention Council, the Police have undertaken many scam prevention initiatives and organised many anti-scam related events to warn the public about scams, including the ‘Let’s Fight Scams’ campaign for community and business operators. Community events such as roadshows, festive events and the Community Safety and Security Programmes were also leveraged as platforms to spread the awareness of scams and prevention advice.

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By: Syam Roslan
(Photos: Public Affairs Department)
In recent years, scam cases have continued to rise as scammers find various ways to dupe unsuspecting victims out of their hard-earned money. In the latest Police News Release on ScamSituation between January and March 2020, at least S$41.3 million was lost to scammers. This is about S$9 million (or 27.9%) more compared to the same period last year. In this issue of Police Life, read on to find out the scam situation and why it is important that everyone stays informed and vigilant against scams.
TOP THREE SCAMS
E-commerce scams, social media impersonation scams and loan scams were the top three scam types reported to the Police in the first three months of 2020.
E-Commerce Scams
The most common platforms for e-commerce scams in Singapore are digital platforms such as Carousell, Facebook, Instagram, Shopee and Lazada, where scammers typically tout low prices for their merchandise, which in turn attract unwitting online customers. To avoid being a victim of e-commerce scams, buy only from reputable platforms with customer protection policies or insist on paying only after the goods have been received or services have been rendered. Remember, if a deal is too good to be true, it probably is.
Fake SMS Contest Social Media Impersonation Scams
Scammers would usually ask the victims for their personal details such as their mobile number, Internet banking account details and One-Time Password (OTP) on the pretext of helping them to sign up for fake contests or promotions allegedly organised by Lazada, Shopee and Qoo10. Victims would later discover that fraudulent transactions had been made from their bank accounts and mobile wallets without their consent. Never share your Internet banking account details and OTPs with anybody - legitimate contests or promotions will never ask for such details. Your OTP is like your ATM pin, do not reveal it to anyone.
Loan Scams
Members of the public would receive SMSes or WhatsApp messages offering loans and loan services. The scammers may claim to be staff from a licensed moneylender. Interested parties are instructed to transfer money as a deposit before the loan can be disbursed. After making the transfer, victims find that the scammers are no longer contactable. In another variant of loan scams, spoofed loan advertisement messages are purportedly sent by banks such as POSB, DBS, UOB, CIMB and OCBC. Banks and licensed moneylenders are not allowed to send out such loan advertisements.

Despite incessant efforts to push out anti-scam advisories, some continue to fall into these traps. To arrest this situation, tougher enforcement measures were rolled out in 2019.
POLICE EFFORTS TO FIGHT SCAMS Disrupting Scammers' Operations through the Anti-Scam Centre
On 18 June 2019, the SPF set up the Anti-Scam Centre (ASC) under the Commercial Affairs Department (CAD). The ASC focusses on disrupting scammers' operations and mitigating victims' monetary losses through close collaboration with financial institutions, telecommunication companies and digital platform owners.

Since its formation, the ASC received more than 3,300 reports and was successful in freezing 2,600 bank accounts, and recovering approximately S$3.7 million of losses. The ASC enhanced its operations by working closely with banks to swiftly freeze accounts suspected to be involved in scammers' operations. The fund transfers involving such accounts would be impeded within a matter of days - a significant improvement in process, which used to take up to two weeks.

In addition to the three major local banks (DBS, UOB and OCBC), seven more banks have joined this initiative since November 2019, further enhancing the close collaboration between the SPF and financial institutions to disrupt scammers' operations. As scammers adopt the use of PayNow as a money transfer platform, the ASC also worked with the Association of Banks in Singapore to reduce the time taken for banks to provide PayNow transaction details to the Police from weeks to just a few days. Just this process alone helped to increase the chances of recovery of monies scammed from the victims.
Source: The Straits Times © Singapore Press Holdings Limited. Reprinted with permission. Tougher Anti-Scam Enforcement Actions
To deter local scammers from carrying out their crimes in Singapore, the Police have continued to ramp up islandwide enforcement actions. In 2019, the SPF conducted 85 operations targeting local e-commerce scammers, resulting in the arrest of 112 scammers who were responsible for 1,223 e-commerce scam cases. In addition, there were 10 enforcement operations targeting money mules who handed over their local bank accounts to scammers or assisted scammers to conduct money transfers using their personal bank accounts. In 2019, 1,040 money mules involved in more than 2,100 scam cases were investigated.
Tackling Transnational Scam Cases
As a significant proportion of online crimes are committed remotely by foreign syndicates, the SPF continued to collaborate closely with foreign law enforcement counterparts to crack down on such syndicates targeting Singaporeans. In November 2019, the CAD worked with the Royal Malaysia Police, Hong Kong Police Force and the Macau Judiciary Police to jointly cripple a transnational Internet love scam syndicate based in Malaysia. Three Nigerian and 15 Malaysian scammers were arrested during the operations. The syndicate is believed to be involved in at least 139 cases of Internet love scams reported in Singapore, Malaysia, Hong Kong and Macau, involving losses of about S$5.8 million.
Public Education Efforts against Scams
Apart from enforcement, the Police have also continued to increase public education and engagement efforts with stakeholders, such as convenience stores, remittance agencies and banks, to raise awareness of scams. This included training frontline counter staff to spot signs of individuals who could be unknowingly falling victim to scams, and displaying crime advisories prominently at counters and automated teller machines.

Together with the National Crime Prevention Council, the Police have undertaken many scam prevention initiatives and organised many anti-scam related events to warn the public about scams, including the 'Let's Fight Scams' campaign for community and business operators. Community events such as roadshows, festive events and the Community Safety and Security Programmes were also leveraged as platforms to spread the awareness of scams and prevention advice.
Fighting Crimes Together
Through these efforts, the SPF has shown that the fight against scams remains a priority. However, the public should also play their part in fighting scams. The majority of scams are perpetrated from overseas, and it is nearly impossible to recover monies once they are transferred out of Singapore. The Police urge the public to exercise caution when making any online transactions, and exercise due diligence to protect themselves from falling victim to scams. Members of the public should not divulge personal information, especially banking information, to others, including persons purporting to represent the Police or other law enforcement agencies.

To learn more about the various types of scams and how to avoid falling prey to it, please visit the website 'www.scamalert.sg'.

" While the Police will continue to educate the public on crime prevention measures they can take, members of the public also need to play their part. They should be aware of the latest scam tactics and always exercise vigilance to protect themselves, their friends and families from falling victim to scams. Together, we can fight scams more effectively. "
Mr David Chew
Director, Commercial Affairs Department

" Be wary of common scam tactics like unbelievably low prices, being asked to disclose your one-time passwords (OTP), being told to pay government fines or assist in investigations by transferring money. It is every individual's responsibility to prevent scams, and prevent their friends and loved ones from being scammed. Let's take active steps to protect ourselves and our loved ones against scams and be a scam-wise community."
Mr Gerald Singham
Chairman, National Crime Prevention Council

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By: Syam Roslan (Photos: Public Affairs Department) In recent years, scam cases have continued to rise as scammers find various ways to dupe unsuspecting victims out of their hard-earned money. In the latest Police News Release on ScamSituation between January and March 2020, at least S$41.3 million was lost to scammers.

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BDO, one of the biggest banks in the Philippines, faced tremendous problem when clients complained about losing money due to alleged online banking hack. This internet fraud caused a lot of money to be lost for the customers of the bank. Lastly, the personal information of the customers were stolen with their money. Because of this, the security of one's private data became a hot topic in the Philippines.

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Victims say the beneficiary of the illegal transactions was the UnionBank account of a certain 'Mark Nagoyo'

BDO Unibank account holders have reportedly lost thousands of pesos in deposits due to an online banking scam where unauthorized transfers were made to a Union Bank of the Philippines account with a bogus name.

BDO users took to social media starting Saturday, December 11, to complain that illegal transactions were made using their accounts to transfer money to the UnionBank account of a certain "Mark Nagoyo."

In Filipino, the word "nagoyo" means to make a fool out of someone.

The fraud has been massive enough that a public Facebook group called "Mark Nagoyo BDO Hacked" has since been created, with multiple users reporting similar cases of hacking.

A common pattern has so far emerged among the victims of the hacking scandal: The alleged cybercriminals were somehow able to access the victims' BDO accounts even if they were careful not to click on suspected phishing links and they did not reveal any of their banking details in public.

The BDO clients were surprised to receive email and text notifications from BDO notifying them that the bank transfer - usually involving thousands of pesos - was successfully processed. In some cases, the hackers were somehow able to get past the one-time PIN (OTP) security feature of BDO to make the illegal transactions push through.

Facebook user Mela Abesamis said she lost P50,025 due to the hacking scheme. Abesamis said she first received a text message from BDO at 1:11 am on Saturday saying there was a supposed transfer of P50,025 from her account, but it did not push through.

A few seconds later, she received another text message from BDO and the amount was already removed from her bank account.

Like the other cases reported on social media, the supposed beneficiary of the illegal transaction was Nagoyo's account.

"Sobrang maingat ako sa phishing scams. Wala akong pinipindot na kahit anong unusual links, at bihira ko gamitin ang BDO debit/account ko. Naka-enable ang OTP ko, pero this time wala akong natanggap na OTP.... Nagulat na lang ako kasi nakatanggap na lang din ako ng email saying that I sent money to another bank, which is UnionBank," said Abesamis on Facebook.

(I'm very careful when it comes to phishing scams. I don't click on unusual links and I barely use my BDO debit/account. My OTP is enabled, but this time I didn't receive any OTP. I was surprised when I suddenly received an email saying I sent money to another bank, which is UnionBank.)

Facebook user Charisse Matanguihan, who works for a government bank, also fell victim to the scheme as early as Thursday, December 9. In Matanguihan's case, it seems the suspects siphoned money from other people's accounts by pretending to be her.

She said she woke up on Friday morning, December 10, to missed calls and text messages from several people accusing her of getting their money. Upon checking her bank accounts, Matanguihan realized she lost much of her deposits in BDO and four unauthorized fund transfer confirmations were made through her account.

"I work for a government bank and therefore I must uphold my integrity. I am afraid that my reputation will be ruined despite being also a victim. Thus, I desperately need your assistance to investigate and file a case to whoever is behind all this," said Matanguihan.

BDO said in a statement on Sunday, December 12, that it is already investigating the alleged hacking.

"BDO Unibank has been informed about [OTP]-related concerns. The bank would like to assure its clients that it is looking into each of the cases and will revert back to those who have been affected," it said.

BDO then reminded clients never to share their login information and OTP, and to regularly change the passwords of their online banking accounts.

The Bangko Sentral ng Pilipinas (BSP) also said it is in "close coordination" with BDO and UnionBank, assuring the public it would take "remedial measures" including reimbursement of affected consumers.

"Rest assured that we continue to collaborate and engage stakeholders to ensure the safety and integrity of the financial system as well as the protection of financial consumers," said the BSP in a statement. - Rappler.com

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BDO clients lose money due to alleged online banking hack

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Victims say the beneficiary of the illegal transactions was the UnionBank account of a certain 'Mark Nagoyo' BDO Unibank account holders have reportedly lost thousands of pesos in deposits due to an online banking scam where unauthorized transfers were made to a Union Bank of the Philippines account with a bogus name.

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Lao Ministry of Public Security give advice and to lay out the rules and punishments for those who misuse social media. They will give a warning to first time offenders and fine the people who make a second time offense. Recent years have also seen an upswing of surveillance and persecution of Lao citizens for critical comments posted online. The new task force is an expression of the ruling LPRP’s concern that Facebook could act as an incubator of anti-government and anti-party dissent. It also suggests that as long as the internet in general and social media in particular remain popular platforms for political discussion and activism, repressive governments in Southeast Asia will take steps to subject them to increasing degrees of control.

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Advertisement
This week, Radio Free Asia (RFA)'s Lao service reported on the creation of a new Lao government task force to monitor social media use, focusing especially on so-called "fake news" and posts criticizing the government or ruling Lao People's Revolutionary Party (LPRP).

The report cited an official from the Lao Ministry of Public Security, who said that the task force, which was set up on May 21, includes police officers and members of the government's Media Department.

"Our job is to give advice and to lay out the rules and punishments for those who misuse social media," the official told RFA. "We'll give a warning to first-time offenders, and then fine people for a second offense." He added, "For a third offense, we will put them in jail."

The country had social media penetration rate equivalent to 49.1 percent of the total population in January 2021, up from 43 percent a year earlier. While this is relatively small by Southeast Asian standards - in neighboring Thailand and Vietnam, social media penetration stands at 78.7 percent and 73.7 percent, respectively - it continues to grow. As in other nations, this has resulted in citizens' increased use of this space to discuss important issues, including the airing of grievances against the government and ruling communist party.

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This was seen last year, amid anti-government protests in Thailand, when demonstrators' savvy social media tactics spilled over the Mekong into Laos. Last year, I reported on the emergence of a Lao-language hashtag #ຖ້າການເມືອງລາວດີ ("if politics was good" in Lao), based on a similar Thai-language hashtag, which went viral in Laos. "We must be one to fight with dictatorship," one Lao user tweeted in English under the hashtag. "One day we [are] hoping Laos and other country will be free."

The rare surge of online dissent seemed to suggest that Laos might be inducted into the digital Milk Tea Alliance, the transnational anti-authoritarian movement that has united activists in Thailand, Hong Kong, and Taiwan.

As the formation of this task force suggests, however, the LPRP government is moving quickly to ensure that the Milk Tea Alliance does not gain a foothold in Laos. In August 2020, the Ministry of Posts and Telecommunications warned social media users against posting content criticizing the country's government. Last month, according to RFA, the Ministry of Information, Culture, and Tourism issued an order to provincial-level departments to register all owners of websites, Facebook pages, and other social media news outlets.

Recent years have also seen an upswing of surveillance and persecution of Lao citizens for critical comments posted online. A representative case was the September 2019 arrest of the social media influencer Houayheuang Xayabouly, then 30, also known as Muay, who was detained after she posted a video on Facebook criticizing the government's delayed response to floods caused by a dam collapse. She was subsequently sentenced to five years imprisonment.
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The template for all these efforts is Laos' neighbor and longtime patron Vietnam, which over the past few years has tightened its grip on the internet and social media platforms. In late 2017, Vietnam formed a 10,000-strong cyber unit to combat "wrong views" online, and the country has recently seen multiple arrests of independent journalists, bloggers, and ordinary web users.

The new task force is an expression of the ruling LPRP's concern that Facebook could act as an incubator of anti-government and anti-party dissent. It also suggests that as long as the internet in general and social media in particular remain popular platforms for political discussion and activism, repressive governments in Southeast Asia will take steps to subject them to increasing degrees of control.

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Laos Establishes Task Force to Police Social Media Platforms

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Advertisement This week, Radio Free Asia (RFA)'s Lao service reported on the creation of a new Lao government task force to monitor social media use, focusing especially on so-called "fake news" and posts criticizing the government or ruling Lao People's Revolutionary Party (LPRP).

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There was a phishing scam email pretending to be from Singpost and telling customers that there was an unclaimed package and money must be transferred to obtain that package. This shows an example of Internet fraud in Singapore.

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Watch out for phishing emails pretending to be from “Singpost”. Scammers will email a sort of official looking email that looks like from Singpost. Email claims that you have this package that is still pending, and you will need to transfer money to them in the amount of $2.99. The link will bring you to a website that is not the official Singpost website. But it will still look official. If you are a techie, you can see the website address and email address are not the official Singpost email.

Do not put your credit card info on the website they provided.

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https://www.experian.co.id/48-percent-of-indonesian-businesses-are-experiencing-rising-year-on-year-fraud-losses-often-the-result-of-an-inability-to-recognise-customers

A substantial percentage of businesses in Indonesia are facing losses due to inability of recognizing customers, due to internet fraud by means of impersonation and identity theft of their consumers.

A study have shown that at least 72 percent of Indonesian organizations are investing in artificial intelligence for fraud management with enhanced authentication methods to ensure credible and successful verification of consumer profiles. Additional findings shows that while majority of consumers are receptive of their data being used to enhance the consumer experience, they are also concerned about the possible repercussions such as identity theft or fraud.

This case study shows that internet fraud adversely affects both consumers and businesses.

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48 percent of Indonesian Businesses are Experiencing Rising Year-on-Year Fraud Losses, Often the Result of an Inability to Recognise Customers | Experian Indonesia

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New research from Experian shows that today’s businesses in Indonesia need to deliver more than personalised products and offers since consumers expect organisations to also deliver security and…

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During the pandemic, a new type of online romance/investment scam emerges. The scammers normally have an attractive foreigner profile on dating or social networking apps.

After connecting with them, they will go on about how the pandemic affected their businesses and how they started investing in stock market and cryptocurrency.
The scammer will then send you their stock portfolio showing a lot of profit and will explain how you can become rich 'like them' if you follow their instruction, which ultimately result in you transferring money to them.

The scammer will actually give profit to the victim for the first few investments, in order to persuade them to invest even more, where some who fall for this scam may ended up losing everything.

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ThaiResidents.com - Thai Local News - Thai News

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The Department of Special Investigation (DSI) posted a warning online on romance scams with interesting investment opportunities. The scammers normally have a foreigner profile on dating apps and apps dedicated to meeting new friends. The profiles use good-looking pictures both male and female. After talking for a while, the user will reveal they are a business person but Covid-19 has affected their business. As a new way of finding income, the user has started investing in the stock market and cryptocurrency. The user will then send you their stock portfolio showing a lot of profit. This is intended to persuade you, pulling in to their plan on how to become a rich person.

The user then sends an investment link that takes you to a website or an app. The application is usually not registered. The victims will start to believe the investment opportunity is real based on the impressive story, the stock portfolio, and the dream of becoming successful through easy opportunity. The scammers usually claim they know a shortcut in making profits from investments without having to take the risks as other investors in the real world. If the victim believes the advice then they too will have money to spend. This is when the scammer presents victims with 2 options of investments to choose from, 1. To transfer money into a Thai account or 2. To convert the money into USDT cryptocurrency on Binance or Huobi and send it to a given address.

During the first few investments, the scammer will actually give the victim profit. This draws a successful future for even higher investments. Then the platform will start to have a problem, mainly claiming the victim has been making too much profit, therefore they need to pay tax. Another problem is that the platform will claim the victim is involved in money laundering. In order to solve this issue, funds need to be sent in order to prove the victim is truly investing. There will be more problems after the first transaction, the victim will keep sending money that they will never receive back. The scam starts with meeting a good looking successful business person and a too good to be true investment opportunity that will end up taking everything from you.

FB Caption: This is a too good to be true investment opportunity that will end up taking everything from you.

Source: INN News

Comments

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New Romance Scam with fake investment opportunities. - ThaiResidents.com - Thai Local News - Thai News

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The Department of Special Investigation (DSI) posted a warning online on romance scams with interesting investment opportunities. The scammers normally have a foreigner profile on dating apps and apps dedicated to meeting new friends. The profiles use good-looking pictures both male and female. After talking for a

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Internet fraud in Laos might be a photoes of others but they usually save and make fake accounts like that! 🐥 so the victims might think that is a real person and transfer money to them for much numbers ! Someone posted to complaint and give bad expression to them but actually it not them it another ! For this people have to check again and again ! There are still controversial in Laos!

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In 2021, foreign workers and tourists stranded in Cambodia during the COVID-19 pandemic have been trafficked and forced to work in sophisticated Chinese-run online scams. In interviews, victims told that they were lured by social media adverts promising well-paid jobs in call centres. Instead, they ended up in shuttered hotel casinos and guarded compounds where they had their passports confiscated before being put to work online.

This example mentions that for more than a decade, some criminal groups have used Cambodia as a base for online scams that duped them out of billions of dollars. Crime experts said the pandemic has made it easier for these groups to target stranded foreigners.

Reference:
1. https://www.reuters.com/article/cambodia-trafficking-unemployed-idUSL8N2PP21I
2. https://www.scmp.com/magazines/post-magazine/long-reads/article/3165149/online-fraud-how-chinese-nationals-forced-run
3. https://asia.nikkei.com/Spotlight/The-Big-Story/Cyber-slavery-inside-Cambodia-s-online-scam-gangs

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* Foreigners lured by adverts offering call centre jobs

* Held against their will, victims forced into online scams

* Pandemic makes it easier for gangs to exploit foreigners

* China links kidnapping, trafficking to online gambling

By Matt Blomberg

PHNOM PENH, Sept 16 (Thomson Reuters Foundation) - Foreign workers and tourists stranded in Cambodia during the COVID-19 pandemic have been trafficked and forced to work in sophisticated Chinese-run online scams, a Thomson Reuters Foundation investigation has found.

In interviews, nine trafficking victims said they were lured by social media adverts promising well-paid jobs in call centres.

Instead, they ended up in shuttered hotel casinos and guarded compounds where they had their passports confiscated before being put to work online.

The victims, mainly from Africa and Asia, said they were ordered to create fake profiles on Tinder, WhatsApp and Facebook to entice people into fraudulent investment schemes involving cryptocurrencies, foreign exchange and shares.

Those who objected or performed poorly were subjected to violence and threats, victims said. Mary, a teacher from the Philippines, said she miscarried while locked in a room without food and water for three days.

“We were desperate,” said Mary, who was three months pregnant and four months out of work when she responded in July to a Facebook post offering call centre jobs to English-speaking foreigners.

“We thought it was real work but it became a living nightmare,” said the 26-year-old, whose name has been changed to protect her identity.

Approached for comment on the nine trafficking cases that the Thomson Reuters Foundation uncovered, a spokesperson for the Cambodian interior ministry said, “We also have heard about this before but until now we still do not have any evidence.”

Cambodian police have previously carried out raids and deported hundreds of Chinese on suspicion of telecoms scams. But organised crime experts said the police have struggled to stamp out online crime because of corruption and weak law enforcement.

A Facebook spokesperson said the company would investigate profiles and groups passed on by the Thomson Reuters Foundation.

A spokesperson for WhatsApp said that users should use tools in the app to report suspicious activity.

A Tinder spokesperson said it had “zero-tolerance” for “romance scams” and that it would “work with law enforcement to ensure justice is served in such cases”.

‘CHINESE MAFIA’

Cambodia shut its borders when COVID-19 struck in March 2020, barred almost all international flights and closed its schools to contain the virus, leaving many tourists and foreign workers unemployed and unable to return home.

For more than a decade, Chinese criminal groups have used Cambodia as a base for online scams that duped Chinese nationals out of billions of dollars. Crime experts said the pandemic has made it easier for these groups to target stranded foreigners.

Four of the nine captives interviewed by the Thomson Reuters Foundation were unemployed teachers - three from Asia and one from Uganda. Another was a construction worker from Bangladesh, three were tourists, and one was a Tanzanian graphic designer.

Two days after agreeing to work at a call centre near the Phnom Penh airport, Mary, the teacher from the Philippines, was in her recruiter’s car, bound for on-site training - or so she thought.

When the car passed the airport, the driver said the induction had been moved to Sihanoukville, a port city some 200-km (125 miles) away that has received an influx of money from China, Cambodia’s largest foreign investor.

More than 80 casinos have been built in the city, largely for foreign tourists and online punters as it is illegal for Cambodians to gamble.

Back in 2018, the province’s governor at the time, Yun Min, had warned that the influx of Chinese investment in the region was leading to a surge in crimes by “Chinese mafia”, including kidnapping.

China’s embassy in Phnom Penh declined to comment on the Thomson Reuters Foundation’s findings but called on Cambodia to enforce its online gambling ban, which it introduced in 2019, saying the industry had become a security concern amid rising reports of crime.

“Kidnapping and human trafficking are by-products of illegal online gambling,” a spokesperson said in emailed comments.

“Instead of addressing only the symptoms by focusing on individual cases, full implementation of online gambling prohibition can stem the problem from its root.”

LOCKED IN A ROOM

Inside a heavily guarded compound in Sihanoukville, Mary said she handed her passport to human resources and was given the tools for her new job: five iPhones and five British SIM cards.

Mary said she was told to use images of attractive women to create fake identities on Tinder, WhatsApp and Facebook and find people interested in foreign exchange trading.

A few hours in, she told the manager she wanted out.

“She started threatening me: ‘We will beat you if you don’t follow our rules,’” Mary recalled. “I told her, ‘I signed no contract. I want to leave. Release me.’”

Mary said the manager replied, “If you won’t work, pack your bags - we sell you to another company.”

Mary was locked in a room, bare except for three bed frames and two other women, also bound for a new boss, she said.

For two nights and three days, they went unfed, drinking water from a toilet in a bathroom which they were allowed to access at the whim of their guards, she said.

Guards had confiscated their phones - but Mary had a second device and was relaying events to her husband who, after reporting the situation to police in Sihanoukville, took up vigil at the compound’s gates.

“I was worried if they transfer my wife, I would not find her again,” he said.

‘SINISTER’

Sihanoukville is a haven for a new breed of “sinister” Chinese gangs that take advantage of Cambodia’s fast internet speeds and relaxed visa rules, said John Coyne, head of the Northern Australia Strategic Policy Centre, a research group.

“Sihanoukville is a criminal hotspot created by the confluence of Chinese money, Chinese organised crime groups and a very poor legal environment,” said Coyne, an ex-police officer and expert on organised crime in the Mekong region.

Beijing has sent police and planes to Cambodia to take home hundreds of suspected Chinese scammers in recent years, sending a “very heavy and very public ... message to its citizens” about the risks of engaging in crime, said a foreign law enforcement official monitoring the situation.

“The operators shifted to other targets,” said the official, adding that by trafficking more people who speak languages other than Chinese, the gangs were able to target more nationalities.

“Eight new clients per day. If you don’t get eight, you keep working,” said a Tanzanian woman who took what was advertised online as a call centre job in Sihanoukville in June.

“Four hundred of us in one room - cheat, cheat, cheat. That’s the job,” she said, describing how she used fake online profiles to trap people into fraudulent investment schemes.

When the woman told management she wanted to leave, she was locked in a room with Mary and given two options: pay $2,000 or be sold to another company, she said.

The woman shared contact numbers for her trafficker, who told the Thomson Reuters Foundation he was paid a $1,000 commission for each person recruited to work in Sihanoukville but denied recruiting a Tanzanian woman.

The recruiter, who said he was Chinese and gave his name as Li Qiang, said he worked for a large firm that did not have a name, and said that his actions did not involve trafficking.

“The employee can leave whenever they want,” he said.

The police chief in Preah Sihanouk province, where Sihanoukville is located, and a spokesman for the provincial administration, declined to comment.

SOLD LIKE GOATS

Cambodia has become a popular destination for workers in tourism, construction and education, which have been hard-hit by COVID-19, leaving a pool of “invisible people” for recruiters to prey on, said labour abuse investigator Khun Tharo.

“Many have lost their jobs and they’re very easy to access, very easy to scam,” said Tharo of labour non-profit CENTRAL.

Nehan, a teacher from Nepal who has lived in Cambodia for five years and was laid off during the pandemic, said he responded to a Facebook advert for a call centre job after exhausting his savings - and ended up being enslaved.

“To them, we are just animals; bought and sold like goats and chickens,” he said.

Nehan said he was taken to start work in the shuttered White Sand Palace Hotel in Sihanoukville.

“(People) think that during corona time, White Sand is closed, but what happens inside, they don’t know,” said Nehan, who was released after working for a month without pay when he threatened to get his wife to report the scammers to the police.

“People go in (to the hotel) ... then they cannot go out.”

A woman who answered a phone at White Sand Palace Hotel said it was not possible to speak to management as they had gone “to China”, adding that the hotel was not aware of any online scamming operations on the premises.

Nehan said he was taken to hotel rooms where hundreds of people - mostly Chinese - worked to coax online investors into fake investment schemes and into scanning a QR code embedded in a website that allows them to hack into people’s smartphones.

“They are hackers, thieves,” Nehan said.

BEATEN

All of the victims were told to pay a ransom to be freed, but only one did - a South African tourist, whose mother shared a screenshot of a July payment of $2,047 sent to a Cambodian who negotiated her son’s release.

Six others said they used threats, negotiation and social media posts to win their release. Two are still being held.

The tourist shared photographs of himself in a hospital bed with a bruised face and a bandage around his head, which he said was stitched after he was beaten by his trafficker for trying to rally a walkout from a Chinese-run scamming operation.

“We tried not to do the money thing but in the end we had to. These people beat him up, and it’s just been hell for one month that we’ve been trying to negotiate,” his mother said shortly after his release.

In Mary’s case, her husband shared her ordeal on Facebook after three days, when she told him she thought she had miscarried their baby.

He also gave details to local news website Cambodia News English, he said.

“At first (the traffickers) were angry - how was this information getting out? I had videos and photos from inside,” Mary’s husband said.

After threatening violence and demanding a $1,500 ransom, a deal was reached: Mary would be freed if he deleted the Facebook posts, he said.

The couple agreed and are now in hiding, unable to leave Cambodia together due to COVID-19 travel restrictions in their home and neighbouring countries.

"Right now, we feel only anger and fear," Mary's husband said. "I can't sleep. When I close my eyes, I can only imagine our child. When my wife sleeps, she shakes." (Reporting by Matt Blomberg, Additional Reporting by Vinh Socheata, Editing by Katy Migiro and Helen Popper. Please credit the Thomson Reuters Foundation, the charitable arm of Thomson Reuters, that covers the lives of people around the world who struggle to live freely or fairly. Visit news.trust.org)

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Matt Blomberg, Thomson Reuters Foundation

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FEATURE-Chinese scammers enslave jobless teachers and tourists in Cambodia

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Foreign workers and tourists stranded in Cambodia during the COVID-19 pandemic have been trafficked and forced to work in sophisticated Chinese-run online scams, a Thomson Reuters Foundation investigation has found.

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To combat the spread of internet fraud and the countries, the Indonesian government has initiated the National Movement on Digital Literacy that comprises of different activities. One of them is through a series of workshops that discusses catfishing and other fraud types on the internet. The government recognises that it is important to equip the citizens with digital skills to adapt in the fast developing digital economy.

https://aptika.kominfo.go.id/2022/03/kominfo-angkat-isu-literasi-digital-untuk-cegah-korban-investasi-ilegal-di-g20/

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Menteri Kominfo Johnny G. Plate saat memimpin Rapat Koordinasi Minesterial Meeting Persiapan G20 di Kantor Kominfo, Jakarta, Senin (20/07/2020).

Jakarta, Ditjen Aptika – Kementerian Komunikasi dan Informatika akan turut mengangkat isu-isu untuk mencegah praktik perdagangan berjangka atau investasi ilegal lintas negara yang umumnya memanfaatkan platform digital dalam Presidensi. Melalui Digital Economy Working Group (DEWG), memiliki dua pembahasan utama yang berhubungan dengan pencegahan investasi ilegal.

Juru Bicara Kementerian, Dedy Permadi, mengatakan kedua pembahasan itu meliputi peningkatan literasi digital dan arus data lintas batas negara. Berkaitan dengan kecakapan literasai digital, Dedy mengatakan Indonesia akan mendorong supaya kemajuan teknologi bisa dikuasi dan dimanfaatkan oleh masyarakat global secara aman. Jadi kalau ada trading atau investasi ilegal, itu salah satu bentuk tantangan kecakapan digital di era sekarang. Itu perlu menjadi perhatian oleh negara-negara dunia, kata Dedy dalam konferensi pers Work Shop I DEWG yang digelar di Hotel Pullman, dikutip dari tempo.co,
Selasa (08/03/2022).

Sementara itu sejalan dengan pembahasan mengenai isu arus data lintas batas negara, dia mengatakan Kominfo tidak akan membahas trading maupun investasi ilegal secara spesifik. Namun dalam forum itu, Kominfo akan menyampaikan bagaimana upaya agar data pribadi bisa dikelola secara aman di lintas negara.

Kemenkominfo Ingatkan Masyarakat soal Ancaman Penipuan Digital

Salah satu peserta sedang mempraktikan bagaimana mendesign logo menggunakan aplikasi Canva (15/04).

Isu bidang aptika yang menghiasi pemberitaan dalam 24 jam terakhir ialah mengenai literasi digital kepada masyarakat soal ancaman penipuan digital. Dengan meningkatnya kekhawatiran akan potensi kejahatan daring melalui catfishing , Kementerian Komunikasi dan Informatika (Kemenkominfo) melalui Gerakan Nasional Literasi Digital (GNLD) Siberkreasi mengingatkan adanya ancaman penipuan digital.

Kemenkominfo telah pula memberi edukasi digital untuk masyarakat Indonesia melalui program daring “Obral Obrol liTerasi Digital: Mengenal Fenomena Penipuan Catfishing” dengan Pembicara tamu terkemuka yang hadir antara lain Relationship Expert & Psikolog, Dian Wisnuwardhani; Pemeriksa Fakta Mafindo, Bentang Febrylian dan Dewan Pengarah Siberkreasi atau ICT Watch, Donny BU.

Dalam keterangan pers, dikutip dari beritasatu.com, Senin (07/03/2022), dijelaskan bahwa catfishing merupakan istilah yang digunakan untuk menggambarkan penipuan yang menggunakan identitas online palsu untuk mengelabui korban. Penipu biasanya menggunakan foto dan informasi orang lain untuk menciptakan persona online yang dapat dipercaya, dan kemudian memikat korban untuk selanjutnya korban dijebak dalam berbagai penipuan dan berujung pada tindakan kriminal. (hth)

G20

literasi digital

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Kominfo Angkat Isu Literasi Digital untuk Cegah Korban Investasi Ilegal di G20

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Jakarta, Ditjen Aptika - Kementerian Komunikasi dan Informatika akan turut mengangkat isu-isu untuk mencegah praktik perdagangan berjangka atau investasi ilegal lintas negara yang umumnya memanfaatkan platform digital dalam Presidensi. Melalui Digital Economy Working Group (DEWG), memiliki dua pemba…

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https://www.channelnewsasia.com/singapore/police-warn-job-scams-spoofed-smses-lazada-2678306

Job scams has been on the rise in Singapore, one of which is a highly paid marketing job at Lazada that can be completed using social media and telecommunication platforms like WhatsApp. Once the 'simple' tasks has been completed by the victim, a small amount of money is given as commission to grow the trust of the victims into believing it is a real job. However, to continue the job,  the victim has to transfer money from their personal account to top up their work account. After which, the amount grows until the victim is unable to top up and thus withdraw their money. Then, the victim would have realise that they have gotten scammed but it is too late.

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SINGAPORE: The police on Wednesday (May 11) warned about job scams involving unsolicited spoofed messages purportedly sent by Lazada offering job opportunities.

There have been at least 50 victims since May, with losses amounting to at least S$430,000, said the police.

"In these cases, victims would receive unsolicited messages advertising highly paid affiliate marketing related jobs via SMS, WhatsApp or social media platforms," the police said in the news release on Wednesday.

The fake SMSes will be shown in the same conversation as the authentic messages from the e-commerce platform, as the scammer had spoofed the platform's number or name, said the police.

The scammers would tell victims that commissions would be given upon the completion of simple tasks online.

They would then be directed to provide their personal details when they sign up for an account on a spoofed website resembling Lazada's. After doing so, they would be asked to complete tasks in order to earn commissions.

The jobs would often begin with simple tasks such as liking products on the websites, where victims would earn S$2 commission for each like, said the police.

Victims would be convinced that it was a legitimate job opportunity after being able to withdraw the initial commissions earned.

They will then be promised commissions of up to 30 per cent if they were to purchase the items on the spoofed website. To make the purchase, the victims would have to transfer money to bank accounts belonging to "unknown individuals" for credit in their accounts.

"These victims would eventually discover that they had been scammed when they were unable to withdraw from their accounts, or when the spoofed Lazada website has been removed," said the police.

A spokesperson from Lazada said that the e-commerce platform is aware of scammers misusing their name.

"The spoofed messages are disguised to look like the real thing, but Lazada does not make job offers on unofficial channels," Lazada said.

"We are working closely with Infocomm Media Development Authority (IMDA) in our fight against scammers and are on the SMS SenderID Protection Registry (SSIR) as part of our protective measures to safeguard customers, and ensure a safe shopping experience for everyone."

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Police warn of job scams involving SMSes spoofing Lazada

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SINGAPORE: The police on Wednesday (May 11) warned about job scams involving unsolicited spoofed messages purportedly sent by Lazada offering job opportunities. There have been at least 50 victims since May, with losses amounting to at least S$430,000, said the police. "In

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Phishing Scams through WhatsApp in Brunei Darussalam - Group 2

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Phishing Scams through WhatsApp in Brunei Darussalam - Group 2

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Earlier this year, the Postal Services Department (JPP) of the Ministry of Transport and Infocommunication informed the public that any messages or  announcements through the WhatsApp number +62 838 3948 8210 are not true.

The department was responding to public complaints with regard to the ‘Receipt of Payment from Buyer’ posted in the official website.

JPP stated that it had never asked for personal and banking information from customers for any of its current services and urged the public to not share information to unknown individuals online.

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Postal Dept warns of phishing scams via WhatsApp

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Lyna Mohamad

The Postal Services Department (JPP) of the Ministry of Transport and Infocommunication yesterday clarified that dealings through the WhatsApp number +62 838 3948 8210 are not true.

The department was responding to public complaints with regard to the 'Receipt of Payment from Buyer' posted in the official website.

JPP stated that it had never asked for personal and banking information from customers for any of its current services and urged the public to not share information to unknown individuals online.

The public is also reminded to ensure that any link received through SMS, WhatsApp or social media are legitimate before clicking on it.

They should also ensure that the official government website gov.bn is used for matters involving personal information.

JPP added that it is implementing various safety measures to protect the public.

The department also urged the public to report any online fraud by calling Brunei Computer Emergency Response Team's (BruCert) at 2458001 or email reporting@brucert.org.bn.

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Postal Dept warns of phishing scams via WhatsApp " Borneo Bulletin Online

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Lyna Mohamad The Postal Services Department (JPP) of the Ministry of Transport and Infocommunication yesterday clarified that dealings through the WhatsApp number +62 838 3948 8210 are not true. The department was responding to public complaints with regard to the 'Receipt of Payment from Buyer' posted in the official website.

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Vietnam social media firms has the ability to take down illegal contents within 24 hours.

It would take a fixed 24-hour time frame to take down "illegal content and services", while active "illegal livestreams" must be blocked within three hours. Also, companies that do not meet the deadlines could see their platforms banned in the country. Vietnam social media companies have also been told that harmful contents that is affiliated with national security must be taken down immediately.

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Even though most scams happen because we are not aware of how important the data that we share on social media is or we are over confident that we will not become the victim of cybercrime, however in Indonesia, most cases happen because the scammers hack government sites to obtain our data.

Actually, data breach cases in Indonesia are very high. According to Tempo, in just 1.5 years, there have already been 5 major data breaches from government sites such as Healthcare and Social Security Agency (BPJS), Cermati and Lazada, BRI Life, Tokopedia, and General Elections Commission (KPU). There’s even a joke that if a hacker found an Indonesian’s data, it would not be surprising since so much of our data has already been hacked.

Our personal information is at risk of data exploitation. Cases of online fraud using fake identities are also high. We need to continually raise awareness about the seriousness of these issues.

https://www.google.com/amp/s/nasional.tempo.co/amp/1552138/mabes-polri-akan-telusuri-peretasan-data-di-bank-indonesia

https://www.google.com/amp/s/nasional.tempo.co/amp/1501790/6-kasus-kebocoran-data-pribadi-di-indonesia

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A new variant of tech support scam has been seen in Singapore. Impersonating the online payment company, PayPal, it aims to target and empty the victims' precious bank accounts.

In just 2022, 4 victims have fallen for such scam, with one losing about $33,000.

Victims would receive emails regarding PayPal invoices regarding details of unauthorised transactions for goods or services from third-party vendors. And upon contacting the helpline contact included in the email to settle the dispute, the victim was instructed to download software on their computer to cancel the transaction.

However, this software will enable scammers to control their computers remotely. The scammers will then request for the victims to log into their online bank accounts, before taking over the computer and transferring funds out of the victims' accounts without their consent.

This new tech support scam is new, but members of the public should be careful of unsolicited emails from dubious parties, do not follow instructions to install applications and do not click on links if the email may be fake. Members of the public can forward the email to phishing@paypal.com to confirm its legitimacy of the email.

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SINGAPORE: The police on Wednesday (May 18) warned of a new variant of technical support scams involving the impersonation of online payments company PayPal that is aimed at gaining access to and stealing money from victims' bank accounts.

At least four victims have fallen for the scam this year, with one person losing about S$33,000, said the police in a news release.

In these cases, victims would receive emails containing PayPal invoices listing details of unauthorised transactions for goods or services from third-party vendors.

Victims who contacted the helpline contact number included in the email to dispute the transactions and request for a refund would be transferred to a scammer impersonating an "agent from the third-party vendor", said the police.

The scammer, claiming to be able to assist the victims, would instruct them to download a software on their computers to cancel the transaction.

Victims would not realise that the software would enable the scammers to remotely control their computers, the police said.

Once the software had been installed on the victims' computers, the scammers would request for the victims to log into their online bank accounts. The scammers would then take over the computers and transfer funds out of the victims' accounts without their consent.

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Police warn of new tech support scam impersonating PayPal

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SINGAPORE: The police on Wednesday (May 18) warned of a new variant of technical support scams involving the impersonation of online payments company PayPal that is aimed at gaining access to and stealing money from victims' bank accounts.