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“Residents would be safer if they simply ignored SMS or email. Emails requesting urgent action, such as downloading a report, activating a smart identification device, or clicking a link to submit. We recommend that all related transactions with banks or financial institutions are carried out only through the secure channels specified on the websites of these institutions: online banking, call center or application ”, says Vidas Žabinskas, representative of the Department of Operational Risks and Information Technology of the Bank of Lithuania.
Traditional channels commonly used by scammers can be email. emails, SMS messages and, in some cases, social networks and calls. The main objective of the scammers is to convince them that the message comes from a source known and trusted by the resident. This is often followed by steps that can lead to the loss of personal data or the infection of a computer with a virus.
Gavus the. a letter or SMS message from an alleged financial institution, when asked to take a certain action, the Bank of Lithuania recommends paying attention to the following characteristics:
* Return address. Often times the response, whether written by scammers, can be seen in the sender’s own recipient. Financial institutions do not use this type of general email. email addresses like Gmail, Yahoo, Yandex, Hotmail, etc. There are times when scammers log emails. an email address that, at first glance, is very similar to the name used by a particular financial services provider, but differs in small details, such as interchangeable “l” (lowercase L) with “I” (uppercase “i” )), “i” with “j”, “0” (zero) with “o” or “O”, “m” with “rn”, etc., and use this address for two-way communication and messaging. When you notice such alleged inaccuracies, end any communication with the sender;
• the requested action. Scammers typically request one of the following actions:
• click on the active link. A completely different link to a malicious code or a fake web page to collect data illegally is often hidden under a seemingly normal link;
• open the document attached to the message. Malicious code can be inserted into documents of various formats (eg pdf, word, excel, slides, etc.). Opening an infected document can take over your computer (for example, all data can be encrypted and a ransom can be requested to decrypt it, or spyware can be installed that collects sensitive personal or business data);
· Urgency factor. Scammers often try to give the impression that the user’s actions must be immediate, otherwise the user may suffer one or another loss, for example, the user must immediately enter their login details to prevent someone from taking operations on your behalf, or open an attachment. suspected report at that time, suspicious actions in progress, etc. This is to create a state of stress so that a person can perform the actions required by a scammer without considering it. If you have received a “problem” notice, first contact your bank through the secure channels listed on its website, but not through the contacts provided by the scammers;
• a reference to the recipient. Although there is no single rule in this case, it is worth noting whether at the beginning of the message the sender addresses the recipient with a personal or general address (for example, dear customer). If a general appeal is made but specific individual action is requested, this could be another factor worth addressing.
Note that even if the sender’s address appears reliable, but other circumstances exist (urgency, active action requested), discontinue any communication with the sender and contact the contacts officially designated by your bank.
However, if you are involved in a scam and suspect that data has been leaked or that your device has been infected, contact your bank immediately. Under no circumstances should you confirm requests that you did not initiate yourself with the Smart-ID application or mobile electronic signature. Also, immediately change your password for the accounts (email, gadgets, etc.) where you used it before. Remember that a password alone is not enough to make payment transactions, a second factor is required that is not controlled by scammers (for example, smart identification verification).
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