Zachinyengo Zopereka Ntchito Zakutali, Chinyengo Choyang'ana Zida, ndi I-9 Identity Theft¶

Kulandila ntchito yakutali pambuyo pa kuyankhulana kochokera ku Microsoft Teams, Telegraph, Signal, kapena WhatsApp, kutsatiridwa ndi malangizo oti muyike $3,500 "cheke zida zakunyumba" kudzera pa pulogalamu yakubanki yam'manja ndi waya kapena Zelle ndalama kwa "wogulitsa wovomerezeka" wamakampani MacBook ndi ziphaso zamapulogalamu, kapena kuzindikira mutangotsitsa khadi yanu ya Social Security, layisensi yoyendetsa ndikuwongolera pasipoti, recruiter ndi chinyengo, ndi wapawiri zachuma ndi chizindikiritso vuto. Malinga ndi US Federal Trade Commission (FTC) ndi FBI Internet Crime Complaint Center (IC3), chinyengo cha ntchito ndi ntchito ndi zina mwa katangale zazachuma zomwe zikuchulukirachulukira padziko lonse lapansi chifukwa amapezerapo mwayi pazovuta ziwiri nthawi imodzi: 1. malamulo amabanki a federal (Regulation CC / Expedited Funds Availability Act) amakakamiza banki yanu kuti ndalama zamacheke zomwe zasungidwa ziziwoneka ngati "zilipo" m'malire anu pasanathe masiku 24 mpaka 48 kuti muwonetsetse kuti bizinesi yanu ilibe maola 24 mpaka 48. kudzera mu Federal Reserve clearinghouse, ndikusiyani inu nokha ndi mlandu wa dola iliyonse yomwe mudatumiza kwa wogulitsa zabodza wa scammer; ndi 2. zabodza Form I-9 ndi Form W-4 mapaketi okwera amapatsa mabungwe aupandu wolinganizidwa chilichonse chofunikira kuti atsegule maakaunti akubanki, kutumiza zikalata za msonkho zachinyengo, kubera mapindu a ulova, ndi kubera ndalama m'dzina lanu.

Ngati chinyengo chantchito chikukhudzana ndi kuwopseza, kulanda, kapena wina akubwera kunyumba kwanu kudzatenga ndalama kapena phukusi, imbani nambala yanu yadzidzidzi yakuderalo (911 ku United States ndi Canada, 112 ku European Union, 999 ku United Kingdom) kapena onani chikwatu chathu chapadziko lonse lapansi manambala angozi nthawi yomweyo. Pamilandu yonse ya zida zabodza cheke madipoziti, cryptocurrency "kukhathamiritsa ntchito" scams ntchito, kapena kunyengerera I-9 / W-4 zikalata zolowera, chitani njira zowonongera zomwe zili pansipa nthawi yomweyo.

Chitani izi tsopano¶

1. MUSAMAtumizire, waya, Zelle, Venmo, kugula makadi amphatso, kapena kusamutsa dola imodzi kuchokera ku "cheke cha zida zapanyumba": Palibe olemba anzawo ntchito padziko lonse lapansi amene angatumize kapena kukutumizirani imelo cheke kuti musungitse muakaunti yanu yakubanki ndikukuuzani kuti mutumize ndalama kwa wogulitsa zida za chipani chachitatu kudzera pa Zelle, Cash App, Venmo, kutumiza pawaya kapena mphatso, Bitcoin ATM. Ngakhale pulogalamu yanu yakubanki ikuwonetsa cheke cha $ 3,500 kapena $4,800 ngati "Balance Yotumizidwa / Yopezeka", cheke ndi **cheke kapena cheke chosinthidwa ** chomwe chidzadumpha mkati mwa masiku 5 mpaka 14, ndikuchotsa akaunti yanu kukhala yolakwika.
2. Ngati mwasungitsa kale cheke cha zida zabodza, imbani foni ku dipatimenti ya Fraud & Check-Hold yaku banki yanu MASIKU ano isanadumphe: Osakhudza kapena kugwiritsa ntchito ndalama zomwe mwabweza. Yendani munthambi ya banki yeniyeni (kapena imbani foni ku Dipatimenti ya Chinyengo kumbuyo kwa kirediti kadi yanu) ndipo nenani momveka bwino kuti: "Ndine wozunzidwa ndi chinyengo chachinyengo choperekedwa ndi ntchito yakutali. Cheke yomwe ndinayika pa [Date] ya $[Ndalama] inaperekedwa ndi munthu wakuba.EWS)."
3. **Ngati munapatsa wobera "Check Yosasinthika" kapena Nambala Yanu ya Bank Routing & Account ya "Direct Deposit", tsekani akaunti yakubankiyo lero **: Obera samakufunsani mayendedwe anu ndi nambala yaakaunti pafomu yabodza yadipoziti kuti akulipireni; amagwiritsa ntchito manambala amenewo kuti ayambitse madontho achinyengo a ACH, kusindikiza macheke a mapepala abodza ojambulidwa pa akaunti yanu, kapena kugwiritsa ntchito akaunti yanu ngati dontho la ndalama. Lolani kuti banki yanu itseke nambala ya akaunti yomwe yasokonezedwa ndikutsegula nambala ya akaunti yatsopano.
4. Ngati mudakweza nambala yanu yachitetezo cha Social (SSN), License Yoyendetsa, kapena Pasipoti pa zabodza Form I-9 / W-4, imitsani mabungwe onse 3 a ngongole NDI ChexSystems nthawi yomweyo: Ikani Chitetezo Chachangu, chaulere pa Equifax, Experian, ndi TransUnion (ndi kuzizira kwa banki ku ChexSystems) kutsatira zathu kuyankha kuphwanya kwa data ndi kalozera wa kutayikira achinsinsi chifukwa chake achiwembu sangathe kutsegula makhadi, ngongole zamagalimoto, kapena maakaunti owunika ma fintech pogwiritsa ntchito laisensi yanu yoyendetsa selfie ndi SSN.
5. ** Tsekani nambala yanu ya Social Security pa E-Verify (myE-Verify Self Lock) ndi kupeza IRS Identity Protection PIN (IP PIN)**: Chifukwa achigawenga pantchito amagulitsanso kubedwa I-9 phukusi (SSN + Photo ID) pa intaneti yakuda kuti mupeze ntchito yosaloleka ndi chinyengo chobweza msonkho, lowani mu myeverify.uscis.gov kuyambitsa Self Lock (kuletsa aliyense kugwiritsa ntchito SSN yanu kuti adutse E-Verify fufuzani ntchito) ndikupita ku irs.gov/ippin kuti mupeze manambala 6 IRS Identity Protection PIN kuti palibe chigawenga chomwe chingapereke msonkho m'dzina lanu.
6. Ngati wolemba ntchito akufunsani kuti muyike "pulogalamu yowunikira ntchito yakutali" (AnyDesk, TeamViewer, ScreenConnect, kapena mwambo .exe/.dmg script), chotsani kompyuta yanu ku Wi-Fi nthawi yomweyo: Mayeso abodza a IT pakukwera ndi ma code abodza nthawi zambiri amayika Trojans a Remote Access (RATs) kapena pulogalamu yaumbanda ya infostealer yomwe imaba makeke asakatuli anu ndi ma wallet a crypto. Kupatula kompyuta ndi kutsatira wathu pulogalamu yaumbanda, ransomware, ndi kalozera wa matenda aukazitape.

Mtengo wachigamulo: fufuzani kuti chinyengo chantchito chidachitika pati¶

Njira zogwirira ntchito zabodza zimagwira ntchito pazigawo zinayi zoyambirira zowukira. Tsatirani ndondomekoyi kutengera zomwe mudagawana kapena kusungitsa:

flowchart TD
    Start["Kuzindikira Ntchito Yakutali kapena Recruiter Ndi Chinyengo"] --> Vector{"Ndizochitika ziti zomwe zidachitika panthawi yofunsa mafunso kapena pokwera?"}
    Vector -->|"1. Kuyika 'Chida / Stipend Check' (kapena Kutumiza Ndalama kwa Wogulitsa)"| Check["VUTO LAKUBWINO KWAMBIRI: Osawononga Ndalama. Pitani ku Nthambi Yaku Banki Lero Kuti Mudzipereke Lipoti Pa Macheke Abodza"]
    Check --> Recall["Ngati Mudatumiza Zelle / Waya / Malipiro a Khadi: Pemphani Kukumbukira Zachinyengo Posachedwa & Fayilo Police + Lipoti la IC3"]
    Recall --> Chex["Pewani Kutsekedwa kwa Akaunti ya ChexSystems / EWS Popereka Malipoti Apolisi & FTC kwa Woyang'anira Banki"]
    Vector -->|"2. Adatumizidwa SSN, License Yoyendetsa, Pasipoti, kapena Mafomu a W-4 / I-9"| ID["CHIZINDIKIRO & VUTO LA TAX: Imani Equifax, Experian, TransUnion, ChexSystems & NCTUE Pompo"]
    ID --> Gov["Tsekani SSN pa USCIS myE-Verify + Pezani IRS IP PIN (irs.gov/ippin) + Monitor State Unemployment Portal"]
    Vector -->|"3. Anapereka Bank Routing & Account Number (Voided Check) kapena Logged mu Bank kudzera Link"| Bank["ACCOUNT TAKEOVER CRISIS: Tsekani Nambala Yaakaunti Yakubanki Yowonongeka & Tsegulani Nambala Ya Akaunti Yatsopano"]
    Vector -->|"4. Analipira Crypto / USDT ku 'Optimize Tasks' kapena Kuyika 'Work Software'"| Tech["TECH & CRYPTO CRISIS: Lekani Kulipira 'Misonkho Yochotsa' (Kupha Nkhumba) & Pukutani AnyDesk / Infostealer Malware"]

Anatomy ya miseche 4 yayikulu yakutali (ndi chifukwa chiyani ozunzidwa amawagwera)¶

Obera ntchito amakono samatumiza maimelo osalembedwa bwino kuchokera ku ma adilesi aulere apawebusayiti. Amachotsa malongosoledwe enieni a ntchito kuchokera kumakampani a Fortune 500 ndi zoyambira zovomerezeka, mbiri ya LinkedIn ya spoof, kulembetsa madera ofanana (careers-at-company.com), ndikuchita zoyankhulana kwa maola ambiri musanayambe msampha.

Gawo 1: Kupulumutsa mwadzidzidzi kubanki ngati mwayika cheke cha zida zabodza¶

Kumvetsetsa momwe mabanki amachitira ndi cheke chabodza ndikofunikira kuti mupulumutse ndalama zanu komanso kuthekera kwanu kukhala ndi akaunti yakubanki mtsogolomo.

Chifukwa chiyani "Balance Yopezeka" Sikutanthauza Cheki Yachotsedwa¶

Pansi pa US Expedited Funds Availability Act ndi Federal Reserve Regulation CC (12 CFR § 229.10 - § 229.12), mabanki ogula amafunikira mwalamulo kuti $225 mpaka $275 ya cheke yasungidwe ipezeke tsiku lotsatira la bizinesi, ndi macheke ambiri apanyumba (makamaka macheke abodza kapena macheke amakampani) kupezeka mkati mwa 2 mpaka 5 masiku abizinesi. - Obera amasindikiza macheke abodza pogwiritsa ntchito mayendedwe a kampani yeniyeni ndi manambala aakaunti omwe abedwa m'mafayilo agulu (chotero nambala yolowera imadutsa kutsimikizira koyambirira kwamagetsi), kapena amasintha cheke yotsukidwa. - Chekeyo ikafika kubanki ya kampani yomwe idaperekayo kapena ikawunikiridwa ndi kampani ya Positive Pay 5 mpaka masiku 14 abizinesi pambuyo pake, imanyozedwa ndikubwezedwa ngati "Kunyenga / Kusinthidwa / Kufotokozera Wopanga". - Pansi pa Code Commercial Uniform (UCC § 4-214, Right of Charge-Back), banki yanu ili ndi ufulu wokwanira mwalamulo wochotsa $3,500 kapena $4,800 zonse kuchokera muakaunti yanu yoyang'anira cheke cheke chitha, ngakhale wogulitsa kubanki atakuuzani pa Tsiku 2 kuti chekeyo "ikuwoneka bwino komanso yoyeretsedwa."

Ndondomeko ya Pang'onopang'ono Kutengera Kumene Muli mu Check Scam¶

Chitsanzo A: Munasungitsa Chekeni Yabodza, Koma Simunatumize Ndalama Pakalipano¶

Mwapewa kutaya ndalama, koma akaunti yanu yaku banki ili pachiwopsezo chotsekedwa ndikuyikidwa pandandanda wachinyengo chifukwa chachinyengo. Pamene cheke chabodza cha $ 3,500 chikudumpha, injini zowopsa zakubanki (Early Warning Services / ChexSystems) sindingadziwe ngati *munasindikiza chekeyo kuti mubere banki kapena munapusitsidwa ndi munthu wachinyengo. Popanda chidziwitso chokhazikika, mabanki ambiri amangoyimitsa ndikutseka akaunti yamakasitomala ndikuyika zolakwika EWS / ChexSystems kulowetsa mwachinyengo komwe kumakulepheretsani kutsegula akaunti yochezera kubanki yayikulu iliyonse kwa zaka 5 mpaka 7. 1. **Siyani 100% ya chekecho sichinakhudzidwe ** muakaunti yanu kuti banki ikhoze kubweza bwino ikakulumpha. 2. **Yendani kunthambi yeniyeni kapena imbani foni ku dipatimenti yachinyengo yaku banki yanu nthawi yomweyo ** (cheki isanadutse). 3. Funsani woyang'anira nthambi kapena katswiri wa zachinyengo kuti ayike Zidziwitso Zodziwonetsera Mwadzidzidzi posungitsa cheke: "Ndinayang'aniridwa ndi cheke cha cheke cha ntchito. Nditayika cheke #[Nambala] pa $[Ndalama], wobera adandipempha kuti ndiimbe waya/Zelle ndalamazo kwa wogulitsa zida zabodza. ndalamazo kuti zibwezedwe chekecho chikadumpha popanda kulipira akaunti yanga kapena kundilipiritsa kutseka kwachinyengo." 4. Sungani dzina ndi ID yantchito ya woimira banki ndi nambala yolozera mlandu.

Chitsanzo B: Mwatumiza Kale Ndalama (kudzera Zelle, Waya, Cash App, Makadi Amphatso, kapena Crypto) Chekeni Isanagwe.¶

Ndalama za akaunti yanu zatsala pang'ono kutsika ndi kuchuluka kwa cheke chabodza, zomwe zingakankhire akaunti yanu yoyang'anira masauzande a madola kukhala kubweza ndalama molakwika. 1. Imbani foni ku dipatimenti yoteteza zachinyengo ndi kutaya ku banki yanu mkati mwa ola: - Nenani zonse cheke chabodza chomwe chikubwera komanso kusamutsa mwachinyengo komwe kukutuluka (Zelle, waya, ACH, kapena kirediti kadi). - Ngati mudatumiza Domestic kapena International Wire Transfer mkati mwa maola 24 mpaka 72 apitawa, funsani nthawi yomweyo Emergency Wire Recall (SWIFT gpi Stop and Recall kapena Fedwire Fraud Recall) ndikulemba madandaulo mwachangu ku ic3.gov kutsatira zathu imelo yamabizinesi amakampani ndi chiwongolero chokumbukira zachinyengo. - Ngati mudatumiza ndalama kudzera ku Zelle, Venmo, kapena Cash App, nenani chogwirizira/nambala yafoni ku banki yanu ndi Dipatimenti Yachinyengo ya pulogalamu yolipira ngati Malipiro Ovomerezeka Okankhira (APP) Chinyengo cha Ntchito / Chinyengo Chachinyengo kuti akaunti yolandirira buluyo itha kuyimitsidwa wachinyengo asanatulutse. 2. Pezani FTC Identity Theft / Lipoti Lachinyengo (IdentityTheft.gov & ReportFraud.ftc.gov) ndi Lipoti Lapolisi Lapafupi: - Bweretsani zithunzi zosindikizidwa za kalata yopereka ntchito yabodza, mauthenga a olemba ntchito, chithunzi cha cheke chabodza (Musatumizepo chithunzi cha cheke chabodza kudzera pa Mobile Deposit ngati mudakali nacho), ndi malangizo otumizira ogulitsa ku polisi yakwanuko kuti mupeze ** Nambala ya Lipoti la Zochitika Zapolisi **. 3. ** Pewani ChexSystems / Ntchito Zochenjeza Poyambirira (EWS) Kuyimitsa & Kukambirana za Dongosolo Lobwezera Zovuta **: - Perekani Lipoti Lapolisi lanu ndi FTC Report kwa woyang'anira nthambi ku banki yanu. - Funsani banki molemba kuti: 1. Osapereka lipoti la akaunti yanu ChexSystems kapena Early Warning Services pansi pa kachidindo ka "Chinyengo / Kuwononga Akaunti" (popeza ndinu wozunzidwa); 2. Kuchotsa chindapusa cha overdraft ndi chindapusa chobweza; ndi 3. Kutembenuza ndalama zilizonse zolakwika chifukwa chobweza ndalamazo kukhala zopanda chiwongola dzanja 0% APR Kubwezera Zovuta Kwambiri Kupitilira miyezi 6 mpaka 12 m'malo motseka akaunti yanu ndi kuitumiza ku zosonkhetsa.

Gawo 2: Zoyenera kuchita ngati mutapatsa scammers anu Form I-9, W-4, SSN, Pasipoti, License Yoyendetsa, kapena Nambala ya Akaunti Yakubanki¶

M'zachinyengo zambiri zakutali zakutali, palibe cheke chabodza konse: cholinga chonse cha kuyankhulana kwabodza ndi "Offer Letter" ndikukunyengererani kuti mudzaze "HR Onboarding Packet" yomwe ili ndi ** Nambala Yachitetezo Pagulu (Social Security Number)SSN)**, Tsiku Lobadwa, Dzina la Namwali la Amayi, License ya Driver / Passport scans, ndi Direct Deposit Routing & Account Numbers. Pangani mndandanda wazinthu 7 izi nthawi yomweyo:

1. Tsekani Akaunti Yanu Yakubanki Yowonongeka (Ngati Munapereka Chekeni Yosokonekera kapena Fomu Yachindunji ya Deposit)¶

Fomu yovomerezeka ya US Direct Deposit Authorization Form kapena Voided Check imavumbula manambala 9 ABA Routing Number yanu, Checking Account Number yanu yonse, ndi siginecha yanu. - Mosiyana ndi ma kirediti kadi, US Automated Clearing House (ACH) network imalola wamalonda aliyense, purosesa yolipira, kapena wolipira ndi nambala yanu ya akaunti kuti ayambitse ACH Debit Pull mu akaunti yanu, kapena amalola zigawenga kusindikiza macheke a mapepala abodza ndi maginito. MICR inki yojambulidwa mwachindunji pa akaunti yanu. - Osangofunsa banki yanu kuti "iwone" akauntiyo: Langitsani banki yanu kuti itsekeretu nambala yaakaunti yochekitsa/yosungitsa ndikutsegula nambala yaakaunti yatsopano (kutumiza ndalama zanu zovomerezeka ndikuyimitsa "kutumiza ma debits a ACH" kuchokera pa nambala yakale yotsekedwa).

2. Ayimitse Mabungwe Onse atatu a Ngongole M'dziko Lonse NDI Mabungwe Apadera Obanki¶

Ndi SSN yanu, Tsiku Lobadwa, ndi sikani yapamwamba ya License Yanu Yoyendetsa kapena Pasipoti, zigawenga zimatha kudutsa pafupifupi banki iliyonse yapaintaneti kapena wobwereketsa. KYC (Dziwani Makasitomala Anu) fufuzani. Imitsani maofesi asanu onsewa lero (100% yaulere ndi malamulo aboma pansi 15 U.S.C. § 1681c-1): 1. Equifax: equifax.com/personal/credit-report-services/credit-freeze/ (1-888-298-0045) 2. Katswiri: experian.com/freeze/center.html (1-888-397-3742) 3. TransUnion: transunion.com/credit-freeze (1-800-916-8800) 4. ChexSystems (Kuwona & Kutsegula Akaunti Yosunga Kuyimitsa): chexsystems.com -> * Ikani Chitetezo Chozizira * (1-800-428-9623). Freezing ChexSystems imalepheretsa zigawenga kugwiritsa ntchito chithunzi chanu chakubedwa cha License ya Driver's ndi SSN kutsegula maakaunti achinyengo pa intaneti (monga Chime, SoFi, Ally, kapena Chase account) m'dzina lanu kuti awononge ndalama. 5. NCTUE (National Consumer Telecom & Utilities Exchange): nctue.com (1-866-349-5355) kuti aletse ochita chinyengo kuti azipereka ndalama pa ma iPhones ndi ma foni am'manja pansi pa SSN yanu.

3. Yambitsani myE-Verify Self Lock Kuletsa Ntchito Zosaloledwa Pansi pa SSN Yanu¶

Mukapereka zomwe zamalizidwa USCIS Form I-9 (Kutsimikizira Kuyenerera kwa Ntchito) pamodzi ndi zithunzi za zikalata zanu za List A (US Passport) kapena Mndandanda B + Mndandanda C (License Yoyendetsa + Khadi la Social Security lopanda malire), otsatsa pa intaneti amagulitsa zomwe "zotsimikizika" I-9 bundle" kwa anthu omwe sangagwire ntchito mwalamulo pansi pa kudziwika kwawo. Ngati wina akugwiritsa ntchito yanu I-9 kuti apeze ntchito, abwana awo adzapereka ndalama zokwana madola masauzande ambiri W-2 kapena 1099 Malipiro ku IRS pansi pa Nambala Yanu ya Chitetezo cha Anthu, zomwe zikuyambitsa kuwunika kwamisonkho kwa IRS ndi misonkho yakumbuyo kwa inu. - Pitani ku dipatimenti yovomerezeka ya US Homeland Security / USCIS portal ku myeverify.uscis.gov. - Pangani akaunti yanu, perekani chitsimikiziro, ndikuyatsa Self Lock. - Kamodzi ** Self Lock ** ikugwira ntchito, ngati wina ayesa kugwiritsa ntchito Nambala yanu ya Social Security kuti adutse E-Verify fufuzani ntchito kwa abwana aliwonse aku US omwe akutenga nawo mbali, makinawo amaletsa masewerawo nthawi yomweyo ndi Kutsimikizira Kusatsimikizika (Mismatch) ndikukuchenjezani. (Nthawi zonse mukayamba ntchito yeniyeni nokha, mutha kutsegula kwakanthawi Self Lock mu masekondi 30).

4. Pezani IRS Identity Protection PIN (IP PIN) ndi File Form 14039¶

A kubedwa Form W-4 + SSN imalola zigawenga kuti zipereke msonkho wabodza mu Januware kuti zikubwezereni msonkho, kapena kukukanizani misonkho yosalipidwa pa phantom. W-2 / 1099-NEC ndalama. 1. Pitani ku irs.gov/ippin ndikulembetsa klzzwxh:0119 * Pulogalamu2. IRS ipanga nthawi yomweyo chinsinsi 6 manambala IP PIN**. Akalembetsa, **makompyuta a IRS amakana zamagetsi kapena pepala lililonse Form 1040 kubweza msonkho komwe kumasungidwa pansi pa Nambala Yanu ya Chitetezo cha Anthu yoe ilibe PIN yanu yachinsinsi ya manambala 6. 3. Mukapeza malipiro osalolekomwe adanenedwa pansi pa SSN yanu, yang'anani Social SecuritEarnings Record yanu ku **ssa.gov/myaccount** ndi kupereka IRS Form 14039 (Identity Theft Affidavit)** pa intaneti kudzera IdentityTheft.gov.

5. Yang'anani ndi Kutseka Inshuwaransi Yanu Yopanda Ntchito (UI) Portal¶

Zabedwa I-9 ndi W-4 mapaketi ndi # 1 mafuta a ** State Ulova Insurance (UI) Chinyengo Chachinyengo** (komwe achiwembu amalembera mapindu a ulova mlungu uliwonse m'dzina lanu pogwiritsa ntchito SSN yanu, tsiku lobadwa, ndi mbiri yakale ya olemba anzawo ntchito kuchokera pakuyambiranso kwanu). - Pitani ku tsamba lanu la ** State Department of Labor / Workforce Agency** LERO. - Lembani mbiri yanu yovomerezeka ya Inshuwalansi ya Ulova pa intaneti (ngakhale mulibe cholinga chofuna kupeza phindu) pogwiritsa ntchito Multi-Factor Authentication (MFA) kotero wonyenga sangathe kulembetsa akaunti pansi pa SSN yanu poyamba. - Ngati portal ya boma imati "Akaunti ilipo kale ya Nambala ya Chitetezo cha Anthu", perekani lipoti la State Unemployment Identity Theft Report patsamba lazachinyengo la bungwe la boma kuti musalandire zachinyengo IRS Form 1099-G pazopindulitsa zomwe simunatolepo.

6. Lembani kapena Bwezerani Chilolezo Chanu Choyendetsa Dalaivala ndi Pasipoti¶

Chifukwa mudakweza sikeni yomveka bwino ya License Ya Driver kapena Passport (ndiponso "liveness selfie"), zigawenga zitha kugwiritsa ntchito zithunzizo kuti zitsimikizire zakutali kapena kusindikiza ma ID abodza apamwamba: - License Ya Dalaivala: Lembani Lipoti Lapolisi lakwanu komwe kukuwonetsa kusagwirizana ndi nambala yanu ya Laisensi Yoyendetsa, ndipo funsani boma lanu Dipatimenti Yoyang'anira Magalimoto (DMV) Fraud Unit kuti muyike mbendera yachinyengo pa mbiri yanu yalayisensi (kapena pemphani chilolezo cholowa m'malo ndi nambala yatsopano yowerengera / zolembera DD). - ** Pasipoti **: Ngati mudangotumiza * chithunzi / chithunzi * cha tsamba lanu lachidziwitso cha pasipoti (ndikukhalabe ndi bukhu lanu la pasipoti m'manja mwanu), simukuyenera kuletsa pasipoti yanu pokhapokha mutalangizidwa ndi apolisi, ** koma ** ngati pasipoti yanu idatumizidwa kapena mukufuna kuletsa nambala ya pasipoti yanu. I-9 jambulani kotero imalephera zokha DHS macheke a zikalata, mutha kunena kuti pasipotiyo yasokonezedwa ndikufunsira buku lolowa m'malo ndi nambala ya pasipoti yatsopano kudzera travel.state.gov (United States), HM Passport Office (United Kingdom), kapena Passport Canada.

Momwe mungatsimikizire ngati ntchito yakutali ndi yeniyeni kapena chinyengo mkati mwa mphindi zitatu¶

Musanalowetse ID kapena kuvomera kalata yotsatsa, yesani wolemba ntchitoyo motsutsana ndi Malamulo 7 Osakambirana Okhudza Kulemba Ntchito Mwalamulo:

Copy-and-Paste Script: Chidziwitso Cholembedwera ku Banki Yanu Pambuyo pa Kusunga Ntchito Yabodza¶

Ngati cheke cha zida zabodza chagunda (kapena chatsala pang'ono kuphulika) ndipo mukufuna kuteteza akaunti yanu yoyang'anira kuti isatsekeke ndikunenedwa molakwika ku ChexSystems kapena Machenjezo OyambiriraEWS), perekani pamanja kopi ya chikalata chosainidwachi (ndi Lipoti lanu la Police ndi FTC Report zolumikizidwa) kwa manejala wanthambi yanu yakubanki ndikuyiyika ku banki yanu yonenera zachinyengo:

[Your Full Name]
[Your Address & Phone Number]
Account Number: [Last 4 Digits of Compromised Account]
Date: [Date]

TO: Branch Manager & Fraud / Loss Prevention Department, [Name of Bank]

RE: VICTIM SELF-REPORT OF EMPLOYMENT CHECK SCAM & REQUEST TO PREVENT ADVERSE CHEXSYSTEMS / EARLY WARNING SERVICES (EWS) REPORTING
FTC Fraud / Identity Theft Report #: [Insert Number]
Local Police Incident Report #: [Insert Number]

To Whom It May Concern:

I am writing to document that I was targeted and deceived by a criminal employment fraud syndicate impersonating [Name of Impersonated Company]. After a fraudulent remote hiring process, the scammers provided me with Check #[Check Number] dated [Date] in the amount of $[Amount], purportedly as a home-office equipment stipend, and instructed me to transfer funds to an external hardware vendor.

Upon discovering that the job offer and check were fraudulent, I ceased all communication with the scammers, filed Official FTC Report #[Number] and Local Police Report #[Number] (attached), and notified [Name of Bank].

Because I am a documented crime victim who acted in good faith and had no knowledge that Check #[Check Number] was counterfeit, I respectfully request that [Name of Bank]:
1. Flag Check #[Check Number] as the instrument of third-party employment fraud against a victim, and NOT attribute any fraudulent intent or account abuse to me personally;
2. Refrain from reporting any negative Suspected Fraud or involuntary account-closure code under my name or Social Security Number to ChexSystems, Early Warning Services (EWS), or TeleCheck;
3. Transition my remaining legitimate funds to a newly numbered checking account to prevent unauthorized ACH debits by the scammers; and
4. Waive returned-item fees and, if a negative balance resulted from this scam, allow me to resolve the balance via a structured hardship repayment plan.

Sincerely,

[Your Signature & Printed Name]
Enclosures: FTC Identity Theft Report, Local Police Report, Copies of Fraudulent Job Offer & Check Instructions

Mafunso omwe amafunsidwa pafupipafupi¶

Chifukwa chiyani banki yanga idandiuza kuti cheke chantchito "chachotsedwa" ngati chinali cheke chabodza?¶

Pamene wobwereketsa ndalama ku banki kapena pulogalamu yakubanki yam'manja ikuwonetsa kuti ndalama za cheke zomwe zidasungidwa Zikupezeka pakadutsa masiku 1 mpaka 2 akugwira ntchito, sizitanthauza kuti chekeyo yachotsa banki yomwe idaperekayo kapena yatsimikiziridwa kuti ndiyodalirika. Pansi pa US Expedited Funds Availability Act (Federal Reserve Regulation CC, 12 CFR Part 229), mabanki amafunikira ndi malamulo aboma kuti atulutse ndalama zanthawi yochepa kwa makasitomala mkati mwa 1 mpaka 2 masiku abizinesi, chekecho chisanamalize kuzungulira kwa masiku 5 mpaka 14. Obera ntchito amapezerapo mwayi pa kusiyana kwa masiku angapo kuti akupusitseni kuti muyimbe ma waya kapena kutumiza ndalama zenizeni kuchokera muakaunti yanu cheke chabodza chisanadutse ndipo banki yanu ikubweza ngongoleyo pansi pa Uniform Commerce Code Gawo 4-214.

Kodi ndingapite kundende kapena kuimbidwa mlandu ngati ndasungitsa cheke chabodza kuchokera kwa munthu wachinyengo wantchito?¶

Ngati munapusitsidwa ndi munthu wachinyengo pantchito, kugwirizana ndi banki yanu nthawi yomweyo, ndikuyika Lipoti la Police ndi FTC Identity Theft Report, ndinu wozunzidwa osati wopalamula ndipo simudzayimbidwa mlandu chifukwa chonamizidwa kuyika cheke chimodzi chabodza. Komabe, pansi pa malamulo akubanki a Uniform Commercial Code, mumakhalabe ndi udindo wakubanki komanso wachuma ku banki yanu pakubweza ndalama zilizonse zomwe mudabweza kapena kusamutsa cheke yabodza isanadutse, ndipo muyenera kusiya kuvomereza kapena kutumiza macheke, kusamutsidwa, kapena phukusi kuti musakhale ngati bulu wandalama.

Kodi ndingatseke bwanji Nambala yanga ya Social Security kuti wina asagwiritse ntchito Fomu yanga I-9 yomwe yabedwa kuti ndipeze ntchito?¶

Pangani akaunti yanu yaulere ku US Department of Homeland Security ndi USCIS myE-Verify portal (myeverify.uscis.gov) ndikuyambitsa gawo lotchedwa Self Lock. Kamodzi Self Lock itatsegulidwa, ngati wonyenga aliyense ayesa kugwiritsa ntchito Nambala yanu ya Social Security pa Fomu I-9 pa abwana a E-Verify, dongosololi limaletsa cheke chololeza ntchito ndikukudziwitsani; muyeneranso kupeza manambala 6 a IRS Identity Protection PIN pa irs.gov/ippin ndikuyimitsa mafaelo anu angongole ku Equifax, Experian, TransUnion, ndi ChexSystems.

Magwero afufuzidwa¶

• Federal Trade Commission (FTC, United States): Chinyengo cha Ntchito, Chinyengo Chabodza Cholipiritsa Kwambiri, ndi IdentityTheft.gov Employment Identity Theft Recovery Protocols.
• Board of Governors of the Federal Reserve System & Office of the Comptroller of the Currency (OCC): *Regulation CC (12 CFR Part 229, Kupezeka Kwandalama ndi Kutolera Macheke) ndi Khodi Yofananira Yamalonda (UCC § 4-214) Malamulo Obwezera Ngongole *.
• Federal Bureau of Investigation (FBI) Internet Crime Complaint Center (IC3): Zidziwitso za PSA pa Chinyengo Choyang'anira Zida Zochokera Kunyumba, Chinyengo cha Cryptocurrency Task Optimization Employment Scams, ndi Kulemba Ndalama Mule.
• US Citizenship and Immigration Services (USCIS / Dipatimenti ya Chitetezo cha Kwawo): myE-Verify Self Lock Program Yoteteza Nambala Zachitetezo cha Anthu Kwa Osaloledwa Form I-9 Chinyengo pa Ntchito.
• Internal Revenue Service (IRS, United States): Identity Protection PIN (IP PIN) Kulembetsa (irs.gov/ippin) ndi Kubera Zidziwitso Zokhudzana ndi Ntchito (Form 14039) Kukonzanso.

Maupangiri ogwirizana¶

• Kuyankha kuphwanya kwa data, mawu achinsinsi otayikira, ndikuyimitsa ngongole
• Imelo yamabizinesi amakampani (BEC) ndikukumbukira zachinyengo pawaya
• Cryptocurrency wallet drain, kusokoneza mawu ambewu, ndikubweza kuvomereza
• Malware, ransomware, ndi mapulogalamu aukazitape kuchotsa matenda
• Nambala zadzidzidzi malinga ndi dziko