They actively send letters to customers by e-mail, pretend to be real people, send them to sign confidentiality agreements, and when they arrive, they pretend to be bank employees.
Linas Sadeckas, head of Luminor Bank’s fraud risk management department, says that the bank’s customers regularly receive similar emails from fraudsters, but recently new manipulation tools have been surprising.
“Customers have informed us that scammers in their emails are pretending to be real employees who actually work or have worked at Luminor Bank. It is true that some of these names are given by colleagues working in Latvia or former members of the board”, says L. Sadeckas.
Typically, this scam involves individuals pretending to be Luminor employees sending customers a letter saying they are victims of a scam, and then inviting them to sign a fake confidentiality agreement. The next step is a physical meeting or remote contact, during which an attempt is made to extract confidential data and embezzle funds.
“To make it more realistic, fraudsters forge Luminor’s branded templates, oblige customers not to disclose the details of the falsely presented contract to anyone,” observes L. Sadeckas
It is important to check the information
The expert notes that customers should always comply when instructed to disclose their personal data.
“We would like to remind you that bank employees will never ask for your personal data through calls, messages or e-mails without your initiative. They will not ask for access to online banking data or passwords, and will not send links to websites where you need to enter personal information, and will not ask to install additional software. Employees also never ask customers to hand over their payment cards – this is the property of the customers themselves,” says L. Sadeckas.
A Luminor representative says that customers should also be wary of allegedly hearing bank employees speaking to them in a foreign language.
“Often, financial fraudsters live abroad and apply in Russian or English. All official institutions operating in Lithuania and employees of our banks primarily communicate with customers in Lithuanian,” he emphasizes.
L. Sadeckas emphasizes that the customer who receives a suspicious call, message or letter from the bank should check the reliability of the contact and the content by contacting the bank through official channels, for example by calling the bank’s call center (official phone number of Luminor Bank: +370 5 239 3444).
If you suspect an attempt to embezzle money, you should inform not only the bank, but also contact the police on the “ePolice” portal, by calling 112 or by visiting the nearest police station.
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2024-07-24 12:50:00
