COMMON FRAUDS

PHISHING


The objective of Phishing or identity fraud is to acquire confidential information in a fraudulent manner. It commonly begins with the receipt of a phony email that takes the person to a clone of a legitimate website, in this way allowing for the disclosure of personal and confidential information that is then used to commit fraud.

You can identify this type of email as follows:

  • The email urgently asks for confidential information about your bank accounts or online baking access information.

  • The email could be about a special deal or to inform you that you have won a prize and asks you to input personal information.

  • The body or subject line of the email may contain obvious and numerous spelling errors.



We recommend that you never provide confidential information through email. To gain access to BICSA’s e-Banking, type in www.bicsa.com into your browser’s address bar.






PHARMING


Pharming is a type of cyber-fraud that commonly occurs when the computer is infected with a harmful “trojan horse” program or virus that takes it to a false website, with the objective of stealing the victim’s confidential information. This type of fraud occurs when downloading images or programs linked to a fraudulent email, or when downloading files or images from internet pages belonging to unknown sources.

It is an online crime that usually occurs when a user’s computer is infected by a malicious program termed a “trojan horse or virus” that takes the user from a bank’s website to a fraudulent website to steal confidential information and allow for the commission of fraud.

We recommend that you do not download files or images from unknown sources on the internet and to keep your computer’s anti-virus software updated.













SOCIAL ENGINEERING


Social Engineering is a kind of fraud carried out through manipulation or deception, with the objective of obtaining personal information through the use of different methods, among them, the wrongdoer making a phone call pretending to be someone else, thereby obtaining confidential information. The deception can be carried out by email or in person.

We recommend that you never share your confidential information with strangers. Remember that BICSA will never ask for your password or confidential information by phone or email