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Regarding the end to Shanghai MK’s cooperative partnership

We regret to inform you that due to problems including with license renewals, Shanghai MK’s partnership with Hertz China will be terminated at the end of this year.

Hertz-MK will continue operations as one section within Hertz.

Therefore, any reservations beginning January of next year will be handled by Hertz China.

Thank you very much for your patronage to MK hire service over the years.

We kindly ask that you utilize Hertz China for your reservations in the future.

WHEREVER YOU GO, TRUST THE HEART LOGO!

One of Japan’s most appointed taxi groups is now raising the standards of car service in Southern California! MK Group has been providing Japan’s major cities with esteemed driving for over 50 years, earning high acclaim and demand as one of the most courteous companies in the country today. Now as the first car service to branch abroad, Los Angeles MK invites you to experience the convenience and economics of taxies with the high quality of limousines―an affordable yet uncompromised transportation experience unlike any other!

A SAFE AND ENJOYABLE EXPERIENCE

Los Angeles is an incredible site not only for vacation and tourism, but also for business and venture. We ensure that every visitor experiences Los Angeles and the rest of Southern California in the most suitable way. We accommodate all types of travel near and far, whether you are going from the airport to your home or hotel, exploring local hot spots and tourist sites, shopping and dining, or attending events, conventions, and meetings on business.

We travel beyond our Los Angeles headquarters, through local districts such as Orange County, San Bernadino, Riverside, San Diego, Ventura County, and Santa Barbara, all the way to more remote destinations such as San Francisco, Las Vegas, the Grand Canyon, and Phoenix, Arizona. We service you with a broad range of clean vehicles as to better adjust to your needs. For those that are visiting California for the first time or are traveling from outside the United States, our highly skilled staff will assist you thoroughly and safely.

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Coalition Against Insurance Fraud: Insurers from Mars,
fraud bureaus Venus?

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Coalition Against Insurance Fraud: Insurers from Mars,
fraud bureaus Venus?

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More common ground needed on reporting, acting on suspected scams

I just returned from the NAIC’s summer meeting. It included the antifraud task force meeting, attended mostly by directors of state insurance fraud bureaus. I also met with insurer SIU directors before the NAIC event.

I felt as if I’d entered a time warp. Discussions at both meetings reminded me of a breakout session I chaired at a Coalition summit more than a decade ago on the status of insurance fraud fighting. SIU directors and fraud bureau directors both attended.

The main discussion by insurers then was about the “black hole” of information sharing. Insurers said they send cases to fraud bureaus for investigation, and never hear a word back. The fraud bureaus contend insurers send them weak cases, or ones not well-vetted.

That’s what I heard last week as well. Insurers seemed at a loss about what happens to their cases they refer to fraud bureaus. And, several fraud bureaus grumbled about the lack of good referrals from insurers.

Insurers and fraud bureaus clearly need better dialogue so everyone fully understands each other’s needs.

One fraud bureau chief talked about how a few insurers in his state haven’t reported a suspected scam in years, even though reporting is mandatory. Are those insurers doing such a good job that nobody’s trying to scam them anymore? Doubt that.

Insurance-fraud laws broadly define the crime, though there’s no definition of suspected insurance fraud. Each insurer could have its own definition, which determines which and how many cases it sends to the fraud bureau.

Most insurers don’t report all suspected frauds. We understand that. Besides, fraud bureaus don’t have the staff to handle every case. But for an insurer to say it has no suspected frauds to report does a disservice to the larger fraud-fighting community and our common cause.

Fraud bureau directors and SIU leaders need to come together, develop a greater understanding and find more common ground so they can work jointly to combat fraud in the most efficient and effective ways possible.

We urge both sides to reach out to the other to make that happen.

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Coalition Against Insurance Fraud: $1 billion (in
savings) or bust

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Coalition Against Insurance Fraud: $1 billion (in
savings) or bust

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The Healthcare Fraud Prevention Partnership aims high

When the ground-breaking anti-fraud partnership between the federal government and the private sector was launched in 2012, there were grand expectations that they could jointly combat fraud much more forcefully that going it alone.

More than 60 organizations have teamed up to share strategy and exchange data. They include federal and state agencies, health plans and p-c insurers. Billions of bits of information have been pooled through a trusted third party. The results are encouraging. More than $260 million has been saved in recoveries and fraudulent claims not paid.

The HFPP executive board met two weeks ago. It set a goal to expand savings to $1 billion by this time next year. It’s an ambitious goal, yet achievable given the early success of this collaborative effort.

The potential success in future years could far surpass $1 billion as more data is shared and more partners sign up., And it should, seeing that healthcare fraud totals tens of billions of stolen dollars each year in the U.S..

The ultimate goal is to get so effective in combating healthcare scams that fraudsters will view the risks too high to even try. We’re a long way from that day, but collaborative efforts and advanced technology offer the best chance of getting us there.

About the author: Dennis is executive director of the Coalition Against Insurance Fraud and serves as co-chair of the Healthcare Fraud Prevention Partnership.

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Coalition Against Insurance Fraud: Texas Supreme Court
Urged To Let Insurers Prove Fraud

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Coalition Against Insurance Fraud: Texas Supreme Court
Urged To Let Insurers Prove Fraud

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Allowing medical providers to hide false claims amid treatment for crash injuries will encourage scams and could discourage insurers from writing business in Texas, the Coalition Against Insurance Fraud says in an amicus brief filed this week with the state Supreme Court.

“Medical providers will remain unjustly enriched and costs will be shifted to not only insurers, but those least-equipped to bear them: policyholders and claimants,” the Coalition says in a brief filed in the case of Allstate v. Rehab Alliance.

The insurer alleges Houston-based Rehab Alliance recruited legitimate crash victims for false injury treatment. The clinic upcoded treatment, billed doctor rates for work by nurses, and performed unneeded treatment such as MRIs, the insurer asserts. Patients also were secretly told they weren’t financially liable for uninsured treatment, Allstate says.

The insurer paid 107 claims and sued to recover after discovering evidence of fraud. A lower court granted Rehab Alliance summary judgement. Allstate appealed to the Texas Supreme Court.

Rehab Alliance is the changing face of bogus crash-treatment claims, the Coalition says in urging the Supreme Court to send the case back for rehearing by the lower court.

The clinic camouflaged false treatment claims involving legitimate crash injuries. Unlike staged wrecks with fake injuries, this sophisticated disguise makes it daunting to clearly separate bogus from necessary treatment claims.

“The fact that fraud in a particular claim is difficult to detect or quantify does not mean it should be allowed to be perpetuated. The result would be rewarding and encouraging agents of fraud,” the Coalition contends.

Insurers need access to civil courts and the ability to sue fraudsters. Allowing camouflaged injury claims burdens insurers with higher costs that raise premiums. Medical care and the ability of insurers to promptly settle claims will suffer as well.

“If this opportunity to help reverse the tide of soft fraud by medical practitioners is not taken, this kind of fraud will continue to occur. Further, the amount paid for fraudulent claims will increase,” the Coalition says.

Texas will become a haven for such schemes, potentially driving insurers out of the state. Patient care also could suffer from bogus treatment unrelated to healing their crash injuries.

If Texas cannot provide assurance to insurers and policyholders they are willing to take an effective stance against fraud, insurers become dis-incentivized to maintain large presences in the state, deploy effective anti-fraud measures there and, perhaps, even continue doing business there,” the Coalition says.

The Coalition Against Insurance Fraud is a national alliance of consumer groups, insurers and government agencies combating all forms of insurance fraud.

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Haws Corporation Tempered Water Nevada USA: Privacy
Policy

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Haws Corporation Tempered Water Nevada USA: Privacy
Policy

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In the normal course of business, the Haws Corporation receives information from customers and others with whom we communicate. These communications can be on a wide variety of levels, including internet and other electronic communications, as well as via traditional print means, such as advertising reader response cards and physical product orders. It is the purpose of this privacy policy to establish our respect for the trust placed in us by people providing their personal and/or business information and to delineate the specific uses and limitations of use we place on information entrusted to us.

Information Collected

The specific information collected by Haws Corporation is strictly limited to the information you knowingly provide. Contact information provided when users register on our website, www.hawsco.com, is a good example. This information is used internally only, and is never sold or distributed in any manner to anyone outside of Haws Corporation. Our internal use is limited to efforts to assist you with obtaining information you might request from Haws Corporation, about our products and services.

Obviously, email communications you initiate with us will generate some internal data about how we might reply to you. Again, this information is used internally - only to the extent that will enable our response.

Web contacts and print publication leads, when generated by interested parties are followed up as a normal part of business operations. Once again, this information is held in the strictest of confidence.

Persons who contact us are sometimes asked to opt-in to our monthly e-newsletters for drinking fountains and electric water coolers, as well as emergency equipment. This opt-in authorization is used to communicate the requested information only and is ceased immediately in the event of a rescission of the opt-in authorization. E-newsletter recipient lists are treated with the same maximum security as all other customer and prospective customer information.

Last, but certainly not least, customer order information is strictly guarded, as well. In addition to Haws Corporation employees, customer order information might be shared with Haws authorized independent representatives and distributors. In these instances, the information shared is strictly limited to the information you provided that is essential to fulfill your order or other request.

Haws does not collect or accept customer or prospective customer information from any other sources.

Encryption

Information received by Haws Corporation is not encrypted, mostly because we do not transact any sales on-line.

Third-Party Advertisers and Other Links

Haws Corporation does not participate with third party advertisers or any other links.

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Singapore Huxley Associates: 11 ways to eliminate stress
in the workplace

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Singapore Huxley Associates: 11 ways to eliminate stress
in the workplace

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International Financial Corporation Fraud Regulatory Commission

Stress is a fact of modern life: a direct result of more technology and less time. Before the computer, the mobile phone, the instant access to information and rapid exchange of emails, life was slower and more predictable.

So how do we manage in this always-on world we’re living in, what strategies should we adopt to make sure that far from drowning under the pressure we’re able to stay on top of things and actually increase our productivity? Here are a few hints to send those stress levels plummeting and your production levels soaring.

1. Get organised

A simple but highly effective start to the de-stressing process. Begin every day with a clear desk, literally and mentally. Set out your objectives for the day and list them. Everyone loves ticking off items, and it's a really positive thing to do. Be realistic with your objectives and identify the order of priority. Bear in mind that the unexpected will always happen, and that your day will be peppered with interruptions. And if you just can't find time for one of today's non-priority items, it can go to the top of tomorrow's list.

2. Plan ahead

You may be starting each day with a 'to do' list, but you also need to look further ahead. Identify events, projects and tasks which are coming up and be sure to make space in your schedule for them. And don't just do it once. Check and update your calendar regularly - it's a good idea to schedule your own 'diary meeting' at the same time every week.

3. Don't take on too much

It's the easiest thing in the world to agree to just one more little task. Be careful – by mid-morning, those little tasks can quite easily turn into a mountain of work. You have to find a way to say 'no'. No need to be abrupt – try something along the lines of 'I'd love to help you out but I have a backlog building up. If I can get through enough work, I'll give you a shout later and see what I can do to help'. You're giving a firm 'no' but showing a willingness to assist others once your personal responsibilities are fulfilled. If a manager is trying to pile work on you, show your work list and ask whether he or she would like to change the priorities in order to accommodate this new task. This puts the onus back on the manager and explains why you might not be able to deliver on time.

4. Take time out

If work is getting on top of you, develop the discipline to turn away from your work or screen and just breathe deeply for a few seconds. The 'square breathing' technique is a great way of self-calming – just Google it to learn more about the technique. Then get up, take a brief walk to the kitchen or coffee machine, just to give yourself a change of environment. Don't leave it long enough to get out of work mode – but a few seconds to recentre yourself can really make a difference here.

5. Cut down your interruptions

You can't do much about phone calls, other than not answer them. Obviously, you need to take important calls, but if a call appears to be something that can wait, let voicemail do what it was designed to do. Follow the same procedure with emails and internal messages – if they need a swift response, get on with it. If not, leave them for a while. It's a good idea to schedule a number of periods during the day when you can respond to emails and calls.

6. Have a lunch break

A tough one, this. Many work environments can leave employees feeling slightly uncomfortable taking time off to eat. Try not to fall into this pattern – even if you just give yourself time to grab a sandwich and have a quick walk. Any smart manager knows that a break from your desk makes you more, not less productive.

7. Look after yourself

If you’d look after yourself, no-one else is going right, right? Something as simple as making sure you eat healthily, get a little bit of exercise and are well rested can make a huge difference. You know how much rest and sleep you need to function properly so get that early night, stay off the booze and don’t push yourself beyond your limits.

8. Create a stress toolbox

You need a set of solutions for when things are getting on top of you. There's plenty of online information about this subject but a few of the basics can work wonders in bringing your stress levels down. Deep breathing is an excellent way of regathering your thoughts. Another great method for banishing negativity is to identify a 'special' place – somewhere you can quickly go to in your mind which oozes positivity. It might be a favourite beach, or landscape, a building or a restaurant – whatever works for you. Just pay a quick mental visit for an instant lift in mood. If a physical aid works for you, try squeezing a small ball, or holding a pen or some small keepsake.

9. Don't always seek perfection

Any employee worth their salt will try to do as well as they can in every aspect of their job. It's not always possible, though, to get everything right. The important thing to remember is that it's okay to make a mistake. It happens to everyone – even managers and senior executives. The trick is to recognise and embrace any mistakes you make and to learn from them.

10. Talk to your boss

If you’re really feeling the pressure then talk to your boss. They might not know how you’re feeling and once they do they might be able to give you more support, more time or more resource. Their priority is getting the job done and having a team member wilting under the pressure won’t help them achieve it, give it a go, if they say no then at least you know where you stand.

11. Have a plan B

A sure sign of being too stressed is thinking that your job is everything and that there’s no way out and no options other than to keep on slaving away. None of these things are true, no job is the ONLY job you’ll ever have, no role is that important and there are other employers out there who would love to have you working for them if your current role isn’t right for you. Take control, take a step back and look at your options, a call to a recruiter isn’t a bad idea either… I’m just saying…

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Insurance Claim Investigators in Austria

# data[].attributes.subject
Insurance Claim Investigators in Austria

# data[].attributes.body
Claim Investigators Singapore

Claim Investigators are providing their professional and insurance investigation services to clients in all over Austria. The regions of Austria are looked after by our local associates/partners firms who are well-established with their trustworthy network and experienced to provide our comprehensive insurance investigation services according to the locale and also we maintain a network of correspondent offices and professional associates in all over the World with strong network of our on-ground associates/partners. Our investigations and reporting are comprehensively descriptive with the main objective to obtain the clear and convincing evidence. Our range of services includes:

Fraud claim investigations and insurance fraud investigation in Austria

Life insurance claim investigations in Austria

Accidental benefits/death claim investigations in Austria

Property loss claim investigations in Austria

Travel insurance claim investigations in Austria

Third-party claim investigations in Austria

Medical claim investigations in Austria

Personal claim investigations in Austria

Theft claim investigations in Austria

Subrogation and recovery investigations in Austria

Contestable death investigations in Austria

Fatal accident investigations in Austria

Motor vehicle crash investigation in Austria

Recovery of stolen vehicles in Austria

Insurance litigation support in Austria

Our associates are very well experienced in fraud insurance claim investigations and well known in their respective locale consequently we can give you the best and prompt service. Indeed we cover all over Austria including Vienna, Graz, Linz, Salzburg, Innsbruck, Klagenfurt, Villach, Wels, Sankt Polten, Dornbirn, Steyr, Wiener Neustadt, Feldkirch, Bregenz, Wolfsberg. Kindly contact us on our email: info@claiminvestigators.com according to your requirement respectively.

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Heimdal Security Company: Top Online Scams Used by Cyber
Criminals to Trick You [Updated]

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Heimdal Security Company: Top Online Scams Used by Cyber
Criminals to Trick You [Updated]

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Cyber criminals affected the online businesses and individuals since the internet networks first appeared and spread all over the world.

Internet services and websites make it easy for us to pay bills, shop, make online reservations and even work. And you can do any of these actions from any place in the world. Old boundaries and human limitations were dropped, in order for us to have access to almost any information. Our lives became so much easier.

But the same thing is true for CRIME.

Our freedom to navigate and access a wide number of online locations represents in the same time a main vulnerability, because an open door always allows access in both directions.

Criminal minds can reach these days further than before, into our private lives, our homes and work offices. And there is little we can do about it.

Attack methods and tools vary from traditional attack vectors, which usemalicious software and vulnerabilities present in almost all the programs and apps (even in the popular Windows operating systems), to ingenious phishing scams deployed from unexpected regions of the world, where justice can’t easily reach out to catch the eventual perpetrators.

The most common ways for you to become vulnerable to a malware attack or phishing scam take place when you:

· shop online

· check your email

· access social media networks

For this reason, we need to know what are the most popular schemes and techniques used by cyber criminals in order to obtain our private information and financial data.

We must not forget their final target is always our money and there is nothing they won’t do to accomplish their mission.

1. Phishing email scams

Phishing scams are based on communication made via email or on social networks. Cyber criminals will send you messages and try to trick you into giving them your login credentials – from your bank account, social network, work account, cloud storage or any other personal data that can prove to be valuable for them.

In order to do that, the phishing emails will seem to come from an official source – it can be bank authorities or other financial institutes, but also delivery companies or social networks representatives.

This way, they’ll persuade you to click on the links contained by their messages and access a website that looks legit, looks like the real one, but it’s actually controlled by them. You will be sent to a fake login access page that resembles the real website.

This way, if you’re not paying attention, you might end up giving your login credentials and other personal information.

In order for their success rate to grow, scammers create a sense of urgency. They’ll tell you a frightening story of how your bank account is under threat and how you really need to access as soon as possible a web page where your must insert your credentials in order to confirm your identity or your account.

Of course, the provided link will only lead you to the fake web location and not to the real login page.

After you fill in your online banking credentials, cyber criminals use them to breach your real bank account or to sell them on the dark web to other interested parties.

It’s one of the main scamming techniques used to spread financial and data stealing malware. There isn’t any reason why you shouldn’t be very well prepared for this attempt. However, even if you install a good antivirus program, there is no better way to stay safe from this threat but to avoid the initial infection phase.

2. The money laundering scam

This money laundering scam – also known as the Nigerian scam – is actually one of the oldest and most popular scamming schemes. Most of us already encountered it in our own email inbox, in one form or another.

Since it’s an old scam, it suffered multiple variations along the years.

The typical scam starts with an emotional email message. It can be from an official government member, a businessman or a member of a very wealthy family member (usually a woman) who asks you to provide help in retrieving a large sum of money from a bank, paying initially small fees for papers and legal matters. In exchange for your help, they promise you a very large sum of money.

Of course, this is just the beginning. Afterwards, they ask you to pay more and more for additional services, such as transactions or transfer costs. You even receive papers that are supposed to make you believe that it’s all for real. In the end, you are left broke and without any of the promised money.

There were also cases where not only money was lost in the scam, but people were kidnapped or even worse.

3. Greeting card scams

This is another old scam: the greeting cards that you receive in your email inbox and seem to be coming from a friend.

If you open such an email and click on the card, you usually end up with malicious software that is being downloaded and installed on your operating system.

The malware may be an annoying program that will launch pop-ups with ads, unexpected windows all over the screen. However, it can also be ransomware or one of the worst financial malware that’s been around, part of the infamous Zeus family.

If your system becomes infected with such dangerous malware, you will become one of the bots which are part of a larger network of affected computers. In this unfortunate event, your computer will start sending private data and financial information to a fraudulent server controlled by IT criminals.

To keep yourself safe from identity theft and data breach, we recommend using a specialized security program against this type of dangers.

4. A guaranteed bank loan or credit card scam

Difficult times push people into getting trapped by “too good to be true” bank offers that guarantee you large amounts of money and have already been pre-approved by the bank.

If such an incredible pre-approved loan is offered to you, simply use your common sense to judge if it’s for real or not.

How is it possible for a bank to offer you such a large sum of money without even knowing your financial situation?

Though it may seem unlikely for people to get trapped by this scam, there’s still a big number of people who lost money by paying the “mandatory” processing fees required by the scammers.

5. Lottery scam

One more classic scam which never seems to get old. The lottery scam comes as an email message informing you that you won a huge amount of money and all you need to do to collect your fortune is to pay some small fees.

Lucky you! It doesn’t even matter that you don’t recall ever purchasing lottery tickets.

Since it addresses some of our wildest fantasies, such as quitting our jobs and living off the fortune for the rest of our lives, without ever having to work again, our imagination falls prey easily to images of a dreamhouse, endless summer vacations or expensive items that a normal man can only dream of.

But the dream ends as soon as you realize you have been just another scam victim.

6. Hitman scam

One of the most frequent scams you can meet online is the “hitman” extortion attempt. Cyber criminals will send you an email threatening you in order to obtain money.

This type of scam may come in various forms, such as the one threatening that they will kidnap a family member unless a ransom is paid in a time frame provided by the scammers.

To create the appearance of a real danger, the message is filled with details from the victim’s life, collected from an online account, a personal blog or, more and more frequently, from a social network account.

That’s why it’s not wise to offer sensitive, personal information about you on social media. It might seem like a safe and private place, where you’re only surrounded by friends, but in reality you can never know for sure who’s watching you.

That’s why sometimes it’s better to be a little bit paranoid.

7. Romance scams

How many of us have already been fooled by this one? Since this one addresses our subjective self and not our rational side, we tend to drop our guard and leave aside any logical analysis.

This scam takes place on social dating networks, like Facebook, or by sending a simple email to the potential target.

The male scammers are often located in West Africa, while the female scammers are mostly from the eastern parts of Europe.

Cyber criminals have abused this scamming method for years by using the online dating services. They improved their approach just by testing the potential victims’ reactions.

This scheme or this game may take place for several months or more in order to gain the trust of that person. In many cases, it even goes to the moment when a meeting is arranged.

When this happens, two things may take place:

an “unpredictable” event occurs and the scammer needs money as soon as possible for his/her passport or other details.

· if the victim comes from a rich family, he/she may be kidnapped and a large sum of money could be requested from the family.

· In a recent romance scam case that was mediatized, a woman lost £1.6 million after she met two conmen on a dating site.

8. Fake antivirus software

We all saw at least once this message on our screens: “You have been infected! Download antivirus X right now to protect your computer!”.

Many of these pop-ups were very well created to resemble actual messages that you might get from Windows or from a normal security product.

If you are lucky, there is nothing more than an innocent hoax that will bother you by displaying unwanted pop-ups on your screen while you browse online.

In this case, to get rid of the annoying pop-ups, we recommend scanning your system using a good antivirus product.

If you are not so lucky, you can end up with malware on your system, such as a Trojan or a keylogger.

This kind of message could also come from one of the most dangerous ransomware threats around, such as CryptoLocker, which is capable of blocking and encrypting your operating system and requesting you a sum of money in exchange for the decryption key.

To avoid this situation, we recommend using a specialized security product against this kind of financial malware, besides your traditional antivirus program.

9. Facebook impersonation scam (hijacked profile scam)

Facebook is today the most popular social media network. For this reason, important companies and businesses use it to communicate with customers and promote their products.

With so many friends and connections on this online platform, we use Facebook not only to check our friends’ activities and updates, but also to chat with them.

If most friends, colleagues and social connections are on Facebook, it is perfectly normal for such a place to also attract the unwanted attention of online scammers.

Just imagine your account being hacked by a cyber criminal and gaining access to your close friends and family.

Since it is so important for your privacy and online security, you should be very careful in protecting your personal online accounts just the way you protect your banking or email account. Set a double authentication method as soon as possible. This will act as an additional layer of security, besides your password.

10. Make money fast scams (Economic scams)

The following common online scam is extremely popular: cyber criminals will lure you into believing you can make easy money on the internet. They’ll promise you non-existent jobs, plans and methods of getting rich quickly and money from official government sources.

It is a quite simple and effective approach, because it simply addresses one’s basic need for money, especially when that person is in a difficult financial situation.

From this point of view, this scamming method is similar to the romance scam mentioned above, where the cyber attackers address the romantic needs of the victim.

The fraudulent posting of non-existent jobs for a variety of positions is part of the online criminals’ arsenal.

Using various job types, such as work-at-home scams, the victim is lured into giving away personal information and financial data with the promise of a well paid job that will bring lots of money in a very short period of time.

11. Travel scams

These scams usually appear in the hot summer months or before the short winter vacations, for Christmas or New Year’s Day.

The scenario is usually like this: you receive an email containing an amazing offer for an extraordinary hard to get to destination (usually an exotic place) that expires in a short period of time and you must not miss.

The problem is that some of these offers actually hide some necessary costs until you pay for the initial offer. Others simply take your money without sending you anywhere.

In such cases, we suggest that you study very well the travel offer and look for hidden costs, such as: airport taxes, tickets that you need to pay to access a local attraction, check if the meals are included or not, other local transportation fees between your airport and the hotel or between the hotel and the main attractions mentioned in the initial offer, etc.

As a general rule, we suggest that you go with the trustworthy, well known travel agencies.

You can also check if by paying individually for plane tickets and for accommodation you receive the same results as in the received offer.

Conclusion

Online scams developed using increasingly sophisticated means of deceiving users, especially in the rich Western countries.

According to FBI, online scams have increased over the last 10 years and the total losses doubled in the recent years, affecting both private individuals and large scale businesses. For this reason, cyber criminal activities are now subject to federal investigations and are treated as a very serious problem that affects us all.

You may think that you can’t be fooled by these online scams, since some of them are quite hilarious, such as the one promising to send you money or the one where the scammers pretend to be FBI agents.

But some stories are so convincing for the potential victims that it is difficult to know how to deal with them.

Since some scams are so well organized and convincing, and the people behind so difficult to catch, we need to always keep our guard up. Stay informed about the latest scamming strategies.

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How to report fraud - Global Singapore Visa processing
tips

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How to report fraud - Global Singapore Visa processing
tips

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How do I report immigration fraud?

Call the Canada Border Services Agency (CBSA) Border Watch Toll-Free Line at 1-888-502-9060 to report:

· suspicious border activity,

· a marriage of convenience,

· a person who has given false information on any immigration application or

· a person wanted on an immigration warrant.

What you tell the tip line is private.

How do I report citizenship fraud?

You can report a person who:

· pretended to live in Canada to become a citizen or

· hid information about their case.

In Canada, you may contact the Call Centre and choose the citizenship fraud tip option in our automated telephone system.

Outside Canada, contact your nearest Canadian visa office.

You can also email tips to Citizenship-fraud-tips@cic.gc.ca.

How do I report Internet, E-mail or Telephone scams and fraud?

If you or someone you know may have been the target of a telephone, internet, email or other type of scam and unwittingly provided personal or financial information you should:

In Canada, contact the Royal Canadian Mounted Police Canadian Anti-Fraud Centre.

Toll-free: 1-888-495-8501

Toll-free fax: 1-888-654-9426

Outside Canada, report the scam to your local police.

How do I report a possible victim of human trafficking?

If you or someone you know is a victim, contact your local police.

To report a crime without saying who you are, call Crime Stoppers at 1-800-222-TIPS (8477). Do not take the law into your own hands or take part in any illegal activity.

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Global Director - Fraud Detection and Analytics

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Global Director - Fraud Detection and Analytics

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JCW is currently working on an exciting retained search for a Global Director of Fraud Detection and Analytics at a rapidly growing Payments Organization. The qualified candidate will help to develop a pre-existing fraud detection system, with cutting-edge mitigation solutions in place – but also to develop the scope of this system to a global level leading the Fraud team in both the EU and US. This position will be based in Stockholm, Sweden and full relocation benefits will be offered.

Responsibilities include:

All end customer fraud prevention efforts across the organization’s rapidly expanding, multi-country footprint

Overseeing fraud analytics and development of the fraud detection system

Continuous gap and root cause analysis to improve fraud and underwriting decisions

End-to-end development of fraud prevention strategies

Overall leadership in innovating, building, and implementing fraud risk solutions and setting the roadmap of external and internal fraud prevention tools

Creating and maintaining metrics for measuring the success of fraud systems and agents

Owning and resolving all fraud related issues related to geographic expansion and new verticals

Communications on fraud topics to the executive management team

Position requirements:

Extensive leadership experience with a pragmatic approach to motivating teams.

Large scale Fraud Prevention experience with a global firm

The ability to lead teams and influence senior management on a global scale

An understanding of payments methods and the internet retail ecosystem.

Et Halstead recruits for Fraud and Risk professionals across the financial services sector and would be happy to provide further details about this or other positions. You can reach him at 646-934-8400 or at Et.Halstead@jcwresourcing.com

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Cybersecurity Fraud Intelligence Lead: Vice President

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Cybersecurity Fraud Intelligence Lead: Vice President

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The Cybersecurity organization's objective is to ensure that JPMC is able to effectively detect, prevent, and respond to cyber threats against our technology infrastructure. The scope of Cybersecurity comprises detection and monitoring of threats and vulnerabilities, managing security incidents, and evolving our preventive infrastructure to keep ahead of the threat. We accomplish this through strong information security leadership and active collaboration with line of business information risk managers to provide high quality security solutions and services that are focused on improving the Firm's risk posture.

The Cyber Fraud APAC and South America Lead will work closely with Fraud Intelligence teams within Cyber Security Operations to maintain and advance intelligence collection efforts, optimize reporting, and manage metrics production.

Responsibilities:

Lead efforts across Fraud Intelligence teams (card, banking, data automation) to expand the teams' intelligence collection, optimize reporting to internal stakeholders, and assist in managing expanding metrics production efforts specific to the Asia Pacific and South American geographic areas

Act as the Fraud Intelligence lead representative in a multi-disciplinary security operations center (SOC)

Act as liaison between Corporate Cyber Security Operations-Fraud Intelligence and the various JPMC lines of business (LOBs)

Work closely with Cyber Security Operations teams to collaborate on a first in class intelligence program.

Maintain and advance knowledge of industry fraud trends

Conduct and manage detailed analysis and risk assessments on all issues affecting the Firm

Engage in problem solving, process improvement, and strategic planning initiatives

Continually identify and evaluate 3 rd party solutions to fraud problems facing the Firm

Author and edit intelligence reports and contribute to metrics production

Qualifications

5+ years of experience with at least 3 collecting and analyzing intelligence, conducting financial investigations, and/or working in banking technology, risk, or operations including APAC and South America

3+ years of experience collecting and analyzing intelligence, conducting financial investigations, and writing professional reports

Experience with large volumes of transactional data, conducting deep-dive analysis, and financial services industry products and services

Experience serving business stakeholders, managing cross collaboration, and leading teams

Strong knowledge of banking terms, phrases, and concepts

Prior cyber security and/or cyber threat experience a plus

The ability to work in a fast paced environment to include the translation of complex concepts and issues into messaging easily understood by senior leadership

Bachelor's degree or equivalent experience

Prior threat intelligence/SOC experience a plus

People Skills:

Excellent people, time management, and organization skills

An ability to work with minimal direction and supervision-independently or in leadership role

Experience managing aggressive deadlines in a fast-paced environment

The ability to coordinate, work with, and gain the trust of business stakeholders to achieve a desired objective

Process Skills:

Strong attention to detail in conducting analysis combined with ability to accurately record full supporting documentation

An ability to leverage the efforts of multiple teams into a cohesive product/service

An ability to mitigate a vulnerability or issue by leveraging support from internal stakeholders in a collaborative approach

An ability to conduct critical analysis, form a hypothesis, and make recommendations to senior management

An ability to mitigate a vulnerability or issue by leveraging support from internal stakeholders in a collaborative approach

Communication Skills:

Excellent written and verbal communication skills are required

Able to articulate and visually present complex analysis results

Ability to communicate effectively with business representatives in explaining findings clearly and where necessary, in layman's terms

This position is anticipated to require the use of one or more High Security Access (HSA) systems. Users of these systems are subject to enhanced screening which includes both criminal and credit background checks, and/or other enhanced screening at the time of accepting the position and on an annual basis thereafter. The enhanced screening will need to be successfully completed prior to commencing employment or assignment.

J.P. Morgan is a place for talented people from all backgrounds and perspectives because our clients come from all backgrounds and perspectives. We encourage a culture of inclusion, where everyone's opinion counts and all employees have the freedom to deliver their absolute best. This is why we work hard and invest in attracting and developing a diverse workforce. Learn more about our Business Resource Groups in how they help our employees build successful careers and reach their greatest potential.

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How to Avoid Holiday Booking Online scams
by Bacall Associates

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How to Avoid Holiday Booking Online scams
by Bacall Associates

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As the UK hits the busiest time of the year for holiday bookings, experts are warning consumers about the dangers of fraudulent travel company websites and other holiday scams. Abta, the Travel Association, has produced a list of warning signs for consumers to look out for, to help reduce the risk of falling foul of bogus sites.

If a website you are looking at has a combination of the following signs, it may be an indication that it’s not to be trusted …

Flight or holiday prices that are considerably cheaper than competitors. Flight prices are largely set by airlines, so although agents have some leeway in price, if the agent you’re contacting is charging significantly less than everyone else, this could be a sign that something is not quite right.

The average loss to the individual was £889, while one person lost £62,000 in a timeshare fraud

Low resolution, “fuzzy” logos for trade associations and credit card companies.

The only payment option is a bank transfer. Not only is this an indication that no bank is prepared to provide credit card facilities, but if you are dealing with a scammer it will be virtually impossible to get your money back.

Non-receipt of tickets – constantly being “fobbed off”.

Abta also advise consumers to do an online search before booking to check the profile of the company. If the company has been defrauding people, or has a bad reputation, there is a good chance consumers will have posted details or warnings about the company.

Other advice offered to stay safe when booking online is to:

Check the web address is legitimate and has not been altered by slight changes to a domain name, such as going from .co.uk to .org. You can also check the details of the domain name of the website at who.is – when was it registered? Recently could indicate an issue, while if the address is anonymous and information about the person or organisation that registered it cannot be viewed that could also be a warning sign.

Check whether the company is a member of a recognised trade body such as Abta or Atol. You can verify membership of Abta online at abta.com.

Check the paperwork – you should study receipts, invoices and terms and conditions, and be wary of companies that don’t provide any.

Use your instincts; if something sounds too good to be true, it probably is.

Holiday fraud led to an estimated £7m being stolen from consumers in 2014, according to a report released by the City of London Police National Fraud Intelligence Bureau in April, with £2.2m lost to online scams. The average loss to the individual was £889, while one individual lost £62,000 in a fraud relating to timeshare.

The report also detailed the emotional toll for victims: one third said the fraud had a substantial impact on their health as well as their financial well-being, while 167 were affected so badly they had to receive medical treatment.

According to the report, the most common types of fraud related to holiday accommodation, in which fraudsters set up fake websites and posted fake ads online, as well as fake airline bookings and bookings related to high-profile sport and religious trips, such as the World Cup or Hajj.

Stuart Fuller, director of commercial operations at online brand protection company NetNames, said professional-looking websites can be set up easily, using rudimentary coding skills. Fraudsters can also leave fake online reviews on sites such as Tripadvisor to help exploit the trust of consumers.

“Unfortunately, often victims do not discover they have been duped until arriving at the airport or hotel only to find there is no booking,” he said.

John de Vial, head of financial protection at ABTA said: “Our consumer helpline has seen an increase in calls from members of the public who are either checking the validity of a suspicious website or, worse, have already paid by bank transfer and then been fobbed off when trying to get hold of their tickets. We want to make consumers aware of this problem and stop them from being ripped off in this way.”

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ACL Surgery Recovery Timeline and Expectations

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ACL Surgery Recovery Timeline and Expectations

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Repairing a torn anterior cruciate ligament (ACL) may only require a short time in the hospital or health care facility. In fact, most ACL surgery patients return home the same day of the procedure.

ACL Recovery Timeline

The ACL recovery timeline is a longer process. Listening to the doctor’s after-care procedures and expectations is vital for an optimal outcome. Depending on medical history, each person may have a different ACL recovery timeline.

First Two Weeks

During the first two weeks of the ACL recovery timeline, rest is the main priority to help in the healing process.

- Use crutches to help keep the pressure and full weight off from the newly repaired area.

- Keep leg elevated with the use of a pillow.

- Follow the doctor’s recommendations for exercises to help reduce the chances of blood clots or other negative issues.

- Use either over the counter or prescribed medication to help reduce pain and swelling.

The first two weeks are critical to the healing process. Keeping the entire incision area clean and dry will aid in fighting off infections or other serious health issues. Knowing when to call a health care professional after surgery is a must.

- Bleeding from the incisions will not cease and the bandages cannot contain the flow.

- A red streak or line appears around the incision

- The incision area is producing a discharge.

- The inflammation and swelling proceed down the leg into the calf area.

- The patient has a high fever.

- The pain does not subside with the prescribed medication.

If anything looks out of the ordinary, asking a health care professional will give a patient peace of mind and prevent any harmful consequences. Do not be afraid to ask questions concerning aftercare procedures for ACL reconstruction surgery.

Two to Six Weeks

After the initial resting period in the ACL recovery timeline, the next step is to slowly begin strengthening the area to restore full range of movement.

- Crutches should be no longer in use unless directed by the health care professional.

- Beginning to put full weight on the knee

- Slowly working toward full extension of the knee

- A knee brace may be prescribed to help restrict movement

- If comfortable, driving may be allowed.

- Physical therapy begins

Six Weeks to Six Months

After six weeks in the ACL recovery timeline, the patient will move toward returning to normal activities at a slow progression. By continuing to exercise and develop strength in the knee area, a full range of movement may be achieved.

- The area should be pain-free prior to returning to sports or an exercise routine.

- The orthopedic surgery will need to clear the patient prior to engaging in strenuous activities. Beginning too soon will damage the repair area.

- A brace may be suggested to help keep the knee safe.

ACL Surgery Recovery Timeline and Expectations

For premium results during the ACL surgery recovery timeline, listening to a top rated orthopedic specialist is critical. From the initial consultation through the entire recovery process, Dr. Howard Marans  will guide each patient through the steps of the ACL recovery timeline to achieve each level of expectations in the healing process. Please click below to schedule your consultation or call us at 714.979.8981.

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January 23, 2015: Atsumi &
Sakai opens London Office, Atsumi & Sakai Europe Limited

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January 23, 2015: Atsumi &
Sakai opens London Office, Atsumi & Sakai Europe Limited

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Atsumi & Sakai is proud to announce the opening of a branch office in London ( Atsumi & Sakai Europe Limited (“A&S Europe”)) on January 23, 2015. With the opening of A&S Europe, Atsumi & Sakai will be able to provide real-time advice on Japanese law, and the laws of certain other jurisdictions* to its clients in Europe, the Middle East and Africa, as well as providing a more convenient service to its clients in the Americas. A&S Europe will advise on all aspects of Japanese law, with a particular focus on banking, capital markets, securities regulation and M&A, and will be able to call on a dedicated Europe Team at Atsumi & Sakai, Tokyo for support as needed.

Mr. Ryuichi Nozaki**, a Partner in Atsumi & Sakai, has relocated to London and will head A&S Europe. Mr. Nozaki is a Japanese-qualified attorney (Bengoshi) of some 15 years’ standing; his primary practice areas include banking, capital markets, securities regulation and M&A.

Mr. Nozaki will be supported by Mr. Hiroki Mori, a Senior Partner at Atsumi & Sakai, Tokyo and head of the Europe Team in Japan; Mr. Mori will also be available in London from time-to-time.

For more information, please contact:

Ryuichi Nozaki (Director)

Atsumi & Sakai Europe Limited

4th Floor, 50 Mark Lane

London EC3R 7QR

United Kingdom

E-Mail: ryuichi.nozaki@aplaw.jp

TEL: +44-(0)74-7895-4907 (UK Mobile)

Daniel C. Hounslow (UK Consultant to Atsumi & Sakai, Tokyo)

E-Mail: daniel.hounslow@aplaw.jp

TEL: +44-(0)75-2149-3501 (UK Mobile)

Tokyo:

Hiroki Mori (A Senior Partner, and head of the Europe Team)

Atsumi & Sakai, Tokyo

E-Mail: hiroki.mori@aplaw.jp

TEL: +81-(0)3-5501-2111

General enquiries:

E-Mail：info@aplaw.jp