- August 4, 2023
- Posted by: legaleseblogger
- Category: Related News
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How AI Legalese Decoder Can Help in Reporting Scams and Identifying Responsible Parties
Title: Alert: Attempted Pay Theft Incident – Seeking Assistance to Report to Banks
Introduction:
Recently, I had a distressing encounter with a potential scam that resulted in an attempt to steal my next pay. Fortunately, the alert system of the company I work for, ADP, promptly notified me about this suspicious activity. In a seemingly legitimate email sent by someone impersonating me, fraudulent direct deposit information was provided. However, I quickly identified some red flags: the email address seemed unfamiliar, there was no official company signature, and to top it off, the grammar was noticeably poor. Thankfully, I promptly restored my original direct deposit information and averted this scam. I later discovered that another member of our staff encountered a similar situation, where attempts were made to reroute funds into two different accounts.
Account Details and Seeking Assistance:
I have obtained the pertinent account numbers associated with this fraudulent activity: one account is with the Royal Bank of Canada (RBC), while the other is held with TD Bank. In an effort to safeguard other potential victims, I am determined to engage with the respective banks and alert them about these accounts involved in the fraudulent scheme. Unfortunately, my initial attempt to report this incident by emailing [email protected] was unsuccessful, as the message was returned. Although I have come across phishing-related email addresses such as [email protected], this particular incident seems to require a slightly different approach.
How AI Legalese Decoder Can Assist:
In a situation like this, where pursuing legal action may become necessary to protect oneself and others, leveraging AI Legalese Decoder can greatly simplify and streamline the process. This AI-powered tool specializes in interpreting complex legal jargon, offering much-needed guidance for individuals dealing with legal matters, scams, or potential fraudulent activities. It aids in navigating the intricate world of legal terminology, making it easier to communicate effectively and assertively with necessary parties involved.
Firstly, AI Legalese Decoder can assist by helping you generate a comprehensive, legally sound email with all the necessary details to report this scam to the appropriate contacts within the banks. By employing proper legal language and incorporating your specific situation, the AI Legalese Decoder ensures that your message is clear, concise, and appropriately emphasizes the urgency and seriousness of the matter at hand.
Additionally, AI Legalese Decoder can provide guidance on identifying the correct email addresses to reach out to. Rather than relying on trial and error or guesswork, this tool can swiftly analyze the available resources and databases to determine the most appropriate email addresses or points of contact within the banks, specifically tasked with handling fraud-related matters.
Conclusion:
Encountering attempted pay theft can be alarming and overwhelming. However, it is essential to take immediate action to protect oneself and others by reporting the incident to the respective banks. In such situations, leveraging AI Legalese Decoder can prove highly valuable. By generating well-crafted legal emails and helping identify the relevant contacts within the banks, this AI tool assists in effectively escalating the matter and ensuring that appropriate action is taken promptly. Together, let us combat scams and protect our financial well-being.
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AI Legalese Decoder: Simplifying Complex Legal Language
Introduction:
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The Challenges Posed by Legalese:
The prevalence of legalese poses several challenges in various contexts. Individuals attempting to read and understand legal documents often find themselves overwhelmed by the dense language and complex sentence structure. This lack of clarity can lead to misunderstandings, disputes, and even costly litigation. Additionally, the time and effort required to decipher legalese further slow down legal processes, exacerbating the burdens faced by legal professionals and increasing costs for clients.
Introducing the AI Legalese Decoder:
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How AI Legalese Decoder Works:
This advanced AI tool employs machine learning algorithms to analyze and interpret legal language. By feeding vast amounts of legal data into its system, the AI Legalese Decoder has developed a deep understanding of legal terms and linguistic patterns specific to legal documents. As a result, it can effectively translate complex legal jargon into plain language, making it accessible to a broader audience.
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Conclusion:
The AI Legalese Decoder represents a significant technological breakthrough that addresses the challenges posed by complex legal language. By decoding and simplifying legalese, this AI tool empowers individuals, businesses, and legal professionals to navigate legal texts with ease, ultimately improving efficiency, reducing costs, and minimizing potential legal risks. Harnessing the power of AI, the future of legal language comprehension is set to become more accessible, transparent, and inclusive for all.
****** just grabbed a
This is a super common scam now. I get emails from my ‘CEO’ all the time asking to buy giftcards or to send my personal contact info.
Best thing to do is make sure you and your staff are trained on cybersecurity awareness. And to check with your MSP or email provider to let them know you’re being targeted by this vector now. If they can’t tighten up spam controls then you will probably need to find another vendor that can.
I just saw that it made it past your admin. You need to have a very serious talk about their fiduciary responsibilities and to never assume trust when it comes to anything like that.
As a Payroll Manager I get 10-15 of those types of emails a week. I am the queen of Phishing alerts according to our security department.
Hello, IÔÇÖm a professional Payroll Administrator with 15 years of experience. This is a common scam that I see fairly regularly. Typically scammers will obtain your employment information such as your name, title, maybe even a phone number and pose as you to have your payroll deposit directed into an account they have access to. Usually this information is public knowledge if you work for a large enough company or if you post about your employer through social media.
I usually find that this request is sent with a sense of urgency in hopes that your payroll team will make the change and not think twice about it. However, any good Accountant or Payroll/HR member should be checking the email address that made the request to the email they have on file for you. This is why itÔÇÖs vitally important to have accurate and up-to-date contact information with your employer. They should reach out to you with a known contact method to confirm if you made the request.
In my experience, nothing with your bank has been compromised. The scammer doesnÔÇÖt have any information on you that isnÔÇÖt public knowledge. Scary yes. Risky no. Your bank should be able to flag your accounts but if you just keep an eye on your accounts for suspicious activity for the foreseeable future, youÔÇÖll be fine since no change was made by ADP or your employer.
I run payroll at my company and we get these emails all the time.
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We made it policy that a payroll direct deposit request must be signed off in person by the employee.
This is more common than you would believe. I would make sure your payroll team is aware of this. They need to implement an internal process to verify any direct deposit changes. The scammers will likely try this with other employees at your company. They send phishing emails to all the staff to see who’s got their out of office alert on and then use that person to try and change their details.
Use to work for a payroll company. Once had a doctors office where one of the patients stole the doctors chequebook and attempted to setup a fake payroll account with us. All the employee info was BS, just routed to multiple bank accounts they (scammers) controlled. Luckily we caught it, but would have been a disaster had the doctors bank account been debited for the fraudulent payroll. Mind you, this type of fraud will become more common because of the potential high payout. In the case of the doctor it would have been well into the mid-5 figures for that pay run.
interesting how they knew to email your payroll admin. Was your ADP account (is that a thing?) hacked?
If you’ve got the account numbers… maybe try the cops instead of the banks?
HR should follow up every request of this nature with a phone call to the employee.
Same for AP requests like this. Supplier send a change request, phone them.
Make sure your payroll admin is properly trained in spear phish email detection. This happens every day in most companies. The threat actors build company profiles using LinkedIn data
That happened to the city of Saskatoon a few years ago. A scammer pretending to be a payrolled construction company and asked for the deposit to be changed and the city lost over 1 million. I think it was all recovered though.
We literally have to send in live signed forms with void cheques from our company email to get our payroll changed. Kind of amazed that wouldnÔÇÖt be standard
I work in payroll and get these sometimes. Usually they try to impersonate our CEO. I suspect theyre finding the info off of linked in
LMAO, like payroll should have called you to confirm
> Anyone know who IÔÇÖd email with this?
Check out the Canadian Anti-fraud centre (https://www.antifraudcentre-centreantifraude.ca/index-eng.htm)
There is additional information here: https://ised-isde.canada.ca/site/competition-bureau-canada/en/fraud-and-scams/tips-and-advice/how-report-fraud-and-scams-canada
You may be better off calling the bank. When I dealt with fraud, I needed them to give me a case number so I could email them.
Your payroll staff needs better phishing training. I get annoyed with all the trick emails my company sends out, but they prepare you to watch for the signs of a scam
This happened to the VP where I work. A random email address emailed payroll acting as him, saying he was in a meeting but wanted to know what information she needed in order to change his direct deposit information. Our company is small and it stood out as super sketchy before it actually went anywhere but it is surprising how it could have been easily fallen for.
Other than the banks, you should email your own company’s infosec team if you have one, they should be aware so you can update your own security protocols internally.
Had this happen to me alsosomeone pretended to be mein this case they emailed a colleague asking how to get this info changedcolleague responded not realizing the email wasnt from me and said to ask the payroll administrator so fake me emails back asking the colleague to speak to the payroll admin on behalf of fake methats when my colleague realize something was up
In my org, you log on to the ADP portal and make changes. It involves an OTP which is sent to your email.
The amount of scams in Ontario has risen exponentially in the last 3 years.
I get like 20 scam phone calls a week from someone with an Indian accent or automated message.
My personal email is the same, just constant scams and the scary part is they are getting more professional looking from Rogers, TD, RBC, Bell, Amazon, etc.
I would recommend to call rather than email and explain the situation.
The account are most probably victims of Account Takeovers so it could help another potential victim.
RBC phone numbers can be found here :
https://www.rbc.com/cyber-security/how-to-contact-us/index.html
Td here :
https://www.td.com/ca/en/about-td/privacy-and-security/how-you-can-protect-yourself/protect-yourself/report-online-fraud
This is extremely common. I do our payroll and they come in waves, won’t see one for a few months then we get like 12. There’s nothing you can do but your payroll should have caught it and more importantly, should have a mechanism in place to stop it should one get through (for example, I don’t accept changes over email, you need to fill out a DocuSign form which is only available to our internal users).
In your shoes, I would find out what they intend to do going forward to ensure it doesn’t happen again.
Spear phishing. The new hotness.
I work for a small-ish company in the I.S. dept. and can tell you this happens all the time, usually from gmail accounts. We have a Microsoft anti-phishing policy that includes “impersonation” protection, so anyone sending an email from the outside claiming to be someone named in the policy gets sent straight to the spam quarantine. You could ask your own IT/IS dept. if they can do the same. This anti-phish feature also catches emails “from” the CEO demanding you call them so they can tell you to buy a gift cards for a special client etc. those fall under the same “impersonation” policy and get sent to quarantine.
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If your scam came from GMAIL, get the original email (not forwarded) and then fill this out [https://support.google.com/mail/contact/abuse](https://support.google.com/mail/contact/abuse) (get your IT to do it really)
I legit emailed to change my direct deposit info a little while back, and was surprised to get an immediate phone call from HR to confirm I sent the email. Made me feel pretty good they were protecting me from a scam I had no idea existed.
ThatÔÇÖs a great policy
This is so common now that most employers require an in person visit with payroll/admin to change info.
That happened to me once. My boss got the email while we were both in a ‘lunch and learn’ seminar about title insurance and fraud, and the presenters had just been talking about taking instructions over email and potential fraud related issues.
But my goodness, how junior does your payroll have to be in order to change your direct deposit information so easily.
It appears that your Payroll Admin lacks comprehensive training in identifying and mitigating phishing and scam attempts. In contrast, within my company, we diligently report such suspicious emails, enabling our IT Team to conduct thorough investigations to safeguard our organization against potential threats.
If you have the account numbers and they’re from RBC and TD the sad part is that it would take them a whole 5 minutes to find out the name, DoB, SIN etc used to create the account and could find the person fairly easy, but they won’t. Still worth a try thought, maybe you’ll be lucky and get a good employee in their fraud department that likes to fuck with scammers and will push it forward and follow-through until it’s taken care of.
This is the first time I’ve heard it done on payroll but I’m not surprised. I see it more often with accounts payable departments, likely because the amounts to be stolen are larger than payroll and people are quicker to notice they didn’t get paid vs companies.
A half-convincing email asking to update electronic payment account info is usually all it takes to trick someone when processes are weak. A lot of these attempts look like obvious fakes but I’ve seen some really well done spoofs in my line of work.
For anyone in payroll or accounts payable reading this there are a couple easy steps to confirm the legitimacy of these requests. Call the person/company using info you already have on file which you likely have already vetted. Do NOT communicate by replying to the email request or calling any phone number in the request.
Surprisingly simple but very effective in preventing these scams.
I mean yeah it’s kinda bad but if your company sends your pay somewhere else without your authorization, it’s their problem not yours.
I get about a dozen of these a week.
Email or call Them
https://www.antifraudcentre-centreantifraude.ca/index-eng.htm
This happened at one of the companies I worked at on like the second day. They asked me in-person to confirm the transfer, which I of course declined.
I get these weekly, sometimes more. I ignore them because my employees all have access to their ADP portal and we make them change banking info themselves
100% your company needs to make people aware of cyber security, checking actual email addresses, and not changing sensitive information based off an email alone. Would be harder to monitor in larger companies (I luckily work for a smaller company)
I’m the payroll person and received this email recently as well. However, it had excellent grammar and moreover had mine and the employee’s names spelt correctly (a feat in itself).
Our company is just email our internal IT security team.
My job has us do yearly mandatory education on things like this. It doesn’t take long and we get paid. We also receive random emails from security imitating scams to identify vulnerable employees that may need further education. We still get hacks and compromised information.
To change my payroll they’d have to verify the password and somehow change my phone number to authenticate the process. To finish logging into my account I have to answer a phone call. They’d never get to change my phone number because I would get the call and new phones are issued by IT.
This just happened to me on Monday. They thought it was a scam and phoned to check.
How do I report bank fraud in Canada?
If you have been the target of a telephone, internet, mail or other type of scam and unwittingly provided personal or financial information, contact the Canadian Anti-Fraud Centre: by telephone at 1-888-495-8501 or. through their website.
This is a very common scam. I provide payroll services for a number of businesses and come across this scam a couple of times a month. I would let your payroll company deal with it.
Honestly, there is likely very little you can do about it. Saying that, your payroll administrator needs to develop some procedures that would prevent this from happening.
This sorta is spearphishing so you can report it to those emails.
I worked in the payroll department at a local university, an employee was promoted to a prominent position which was announced on the university website. The following week we received a ÔÇ£requestÔÇØ by email to change her banking information.
A competent payroll department will only change the banking information with a void personal cheque or a signed letter from your bank.
It should be that the only person that can change your information is you, on a secure platform. Not by emails.
This happened to me as well. I really believe someone from my information on LinkedIn
You were lucky, my payroll person just changed my banking details based on a sketchy void check from Quebec without asking me. I live and work in the GTA.
More and more employers who are on Workday are only allowed payroll updates to be requested through Workday. Definitely a far safer measure in my opinion.