I wouldn’t just post my street on main,but I may as well have done (Picture: Metro)
‘Hello Jen,we are happy to telling you that you been choosen for our special reward at Sainsburys Wood Green Local store!
‘This exclusive promo is only for few customers in N22; thanks for your loyalty.’
The grammar in this email wasn’t great,but it named the supermarket close to my house,that I stop into regularly on my way home.
A message like this would normally have gone straight to the bin,but the personal touch took me off guard.
Thankfully,it wasn’t a real attempt to scam me,but an example sent by cybercrime experts – and I’ve changed the real location.
The experts posed as scammers to see how easily they could craft a personalised attack using public information.
I thought I had been fairly careful online; I’d never post my boarding pass,my doorway,or any Rolexes I might one day acquire.
But in that short time,they found my home address,my phone number,my husband’s contact details,and even the make of his old car.
All this built up a picture of who I am,which could be used against me.
In the past,it would have taken too long for scammers to send personalised messages to thousands of people.
But now,AI tools make it easier to gather data – like your school,your interests or where you have tagged photos – and write emails tailored to your individual history.
I had heard about the new wave of scams at various tech conferences,and so I asked cybersecurity firm Trend Micro to help me see what it might look like.
Subject: Urgent: Verification Required under UK Money Laundering Regulations
Dear Jen,
As part of our statutory obligations under the UK Money Laundering,Terrorist Financing and Transfer of Funds Regulations 2017,we are conducting enhanced compliance checks on selected individual fundraisers.
Your recent fundraising activity for the 25km charity walk has been flagged due to a discrepancy.
Failure to complete this process may result in a temporary suspension of your JustGiving account to ensure full compliance with UK Proceeds of Crime Act 2002 (POCA) obligations.
To avoid any disruption and ensure your donations continue to be processed without delay,please complete the secure verification form below.
Please note,under MLR 2017,we may be required to escalate matters to HM Revenue & Customs (HMRC) or the National Crime Agency (NCA) if sufficient verification is not provided.
Thank you for your prompt cooperation.
Kind regards,
JustGiving Compliance & AML Team
Another attempt targeted my husband,taking advantage of social media post where he said he was annoying when his name was spelled wrong.
They claimed to be checking information for a database of alumni profiles,but addressed him with a misspelling,trying to draw him to correct them.
Scammers reasoned that we likely shared networks,and if one of us was compromised,it could provide access to both of us.
The scariest part of this exercise was seeing how exposed we are by other people’s actions,which we have no control over.
Robert McArdle,who acted as a ‘scammer’ for the exercise,told me: ‘Even when people decide to become more aware of what they post,past activity is actually quite difficult to scrub for a lot of people.’
In the past,only a stalker or someone targeting you specifically would have gone to this effort,but it is now becoming something we all need to take more seriously.
Make it more difficult for the scammers (Picture: Getty/Metro)
Robert,the director of forward-looking threat research at Trend Micro,said there are definitely already criminals using automation.
AI tools can help search social media and create phishing emails: ‘stuff that they have to do every day as part of their – quote unquote – job’.
He said that unfortunately,almost all of us have to live with the fact that some of our personal data will be accessible online.
‘Even massive sites like LinkedIn have been breached,and then your data is wide open,’ he said.
This is not just a problem for individuals,but for businesses. Marks and Spencer confirmed hackers breached their systems using ‘social engineering’,where they pretended to be someone trustworthy to trick an employee into providing access.
What can I do to be safer?
Aside from thinking carefully about if you really want to post that ‘new home’ photo dangling your keys by the door,there are some steps you can take.
It’s not at all an exhaustive list,as that would take much more space than this article,but a few ways to start.
Hover over links to see where they will take you before clicking on them,and don’t click if you are not sure.
Do an audit of your previous public social media posts. Do they show the outside of your home,views from the window,or tag specific personal locations rather than a wide area?
Be careful of QR codes you don’t recognise too (PIcture: Getty)
You can opt to approve tags before they appear in feeds on services like Facebook,which is a good idea if your friends and family are not as discreet.
Data broker removal services like Incogni will send legal letters on your behalf asking for your information to be removed. This is a paid service,but could be worth doing – though Robert warns that removing data is not a one-time thing,but ‘like tending a garden’.
He said: ‘A key advice I normally give is when you’re signing up for any service and they ask “where do you live and what’s your phone number” etc,think “wait a minute,why do they need to know?”
‘If there’s never going to be a time they will send something to your house,just put in fake details.
‘It can be something blatantly obvious like Buckingham Palace; it doesn’t matter. Just try to use the same details because you’ll forget.’
He suggests you could also set up a separate email address just for signing up to things,so in a breach scammers would not access your main details.
Use a password manager,so you have a different strong password for every service.
There is software available to help you detect scams: Trend Micro’s offerings are ScamCheck,an app that instantly checks texts,emails and websites,and Scam Radar,which looks at suspicious patterns of communication.
Overall,think carefully about messages you receive,even if they claim to be from someone who knows you. This even applies to voice calls and video calls,now that deepfakes can be so convincing,even in real time.
Does the email address match the real one of that organisation?
You may need to confirm details another way,such as with a phone call,before giving any information or money.
If you believe you’re the victim of a scam,contact Action Fraud on 0300 123 2040 or use their online reporting tool,available at www.actionfraud.police.uk.
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