Ubuhendanyi bwo gutanga akazi kure, ubuhendanyi bwo kugenzura ibikoresho, n'ubusuma bw'akaranga ka I-9¶

Ukwakira akazi ko kure inyuma y’ikibazo gishingiye ku nyandiko kuri Microsoft Teams, Telegram, Signal, canke WhatsApp, hanyuma ugakurikirwa n’amabwirizwa yo gushiramwo amadolari 3.500 “isheki y’ibikoresho vyo mu biro” biciye ku nzira ya banki y’amatelefone ngendanwa n’amahera ya Zelle ku “mucuruzi yemewe” ku kigo gikoresha MacBook yawe, canke porogarama yawe. uruhusha rwo gutwara imodoka, pasiporo, n’amahera ataco amaze ku rubuga rwo kwinjira mu ndege ko uwuriko ararondera abakozi ari umubeshi, ni ingorane zibiri z’amahera n’akaranga. Nk’uko bivugwa na Komisiyo y’Ubudandaji ya Leta Zunze Ubumwe za Amerika (FTC) be n’Ikigo ca FBI kijejwe gutanga ikirego c’ubugizi bwa nabi kuri Internet (IC3), ubuhendanyi bw’akazi n’ibikorwa buri mu buhendanyi bw’ivy’amahera butera imbere cane kw’isi yose kubera ko bukoresha ubugoyagoye bubiri icarimwe: 1. amategeko agenga amabanki ya Leta Zunze Ubumwe za Amerika (Itegeko CC / Itegeko ry’Ukuronka Amahera Yihuta) ahata banki yawe gutuma amahera yashizwe ku sheki asa n’aho "aboneka" mu giciro cawe c’amahera bifata imisi 5 gushika kuri 14 y’akazi kugira ngo bisubire mu nzu y’ubuhinga bwa none, bikagusiga ubwawe ufise uruhara ku dolari yose wohereje ku mucuruzi w’ibinyoma w’uwo mubeshi; na 2. ibinyoma Form I-9 na Form W-4 onboarding packets ziha amashirahamwe y’ubugizi bwa nabi atunganijwe vyose bisabwa kugira ngo yugurure amakonti ya banki, ashiremwo amakete y’imisoro y’ubuhendanyi, ashire ku nguvu amahera y’ubushomeri, yongere akoreshe amahera mu izina ryawe.

Nimba ubuhendanyi bw’akazi burimwo ugutera ubwoba, ugufata amahera, canke umuntu ashitse i muhira iwawe kugira ngo akureho amahera canke amapaki, hamagara inomero y’ivyihutirwa yo mu karere kawe (911 muri Leta Zunze Ubumwe za Amerika no muri Kanada, 112 mu bihugu vyose vy’Ubumwe bw’Uburaya, 999 mu Bwongereza) canke urabe ububiko bwacu bw’ibitabu mpuzamakungu . inomero z'ivyihutirwa ubwo nyene. Ku bibazo vyose vy'ibikoresho vy'ibinyoma bigenzurwa, amafaranga y'ibanga "ugutuma ibikorwa bigenda neza" ubuhendanyi bw'akazi, canke guhungabanywa I-9 / W-4 onboarding inyandiko, gushitsa intambwe zo gukingira ivyonona zikurikira ubwo nyene.

Ivyo ubikore ubu¶

1. NTUYOHE, wire, Zelle, Venmo, ugure amakarita y'ingabirano, canke ngo urungike idolari rimwe ryose ku "cheki y'ibikoresho vyo mu biro vyo mu nzu": Nta mukoresha yemewe kw'isi azokwigera akurungikira canke akurungikira ubutumwa bwo gushiramwo amahera kuri konti yawe bwite ya banki maze akubwire ko worungika amahera ku muntu agira gatatu agurisha ibikoresho vy'ibiro ZeTMwire, Bitcoin Vensh, amakarata y’ingabirano. Naho app yawe ya banki yoba yerekana ko sheki y'amadolari 3.500 canke 4.800 ari "Posted / Available Balance", iyo sheki ni sheki y'ibinyoma canke yahinduwe izosubira inyuma mu misi 5 gushika kuri 14, igakuraho konti yawe ikagira amahera atari meza.
2. Niba waramaze gushiramwo sheki y’ibikoresho vy’ikinyoma, hamagara igisata c’ubuhendanyi n’ugucungera sheki muri banki yawe ubwawe UYU MUSI imbere y’uko isubira inyuma: Ntukore canke ngo ukoreshe amahera yashizweko. Injira mw’ishami rya banki (canke hamagara Igisata c’Ubuhendanyi kiri inyuma y’ikarita yawe y’ideni) maze uvuge neza uti: "Ndi umunyavyaha w’ubuhendanyi bw’ubuhendanyi bw’akazi ko kure. Sheki nashize ku [Itariki] ku $[Igiciro] yatanzwe n’umuhendanyi w’akazi. kubera ubuhendanyi bwo gusuzuma canke gutanga raporo mbi kuri ChexSystems n’Ibikorwa vy’Imburi mbere y’igihe (EWS)."
3. Niwaba warahaye uwo mubeshi "Voided Check" canke inomero yawe ya Bank Routing & Account ku "Direct Deposit", funga iyo konti ya banki uno musi: Abahendanyi ntibasaba routing yawe n'inomero ya konti yawe ku rupapuro rw'ibinyoma rwo gushiramwo amahera kugira ngo baguhe; bakoresha izo nimero kugira ngo batanguze ugukura amafaranga y’ubuhendanyi muri ACH, bacape amasheki y’impapuro y’ibinyoma yashizwe kuri konti yawe, canke bakoreshe konti yawe y’amasheki nk’itonde ry’amahera y’inyumbu. Reka banki yawe ifunge inomero ya konti yari yashizwe mu kaga maze ufungure inomero nshasha ya konti.
4. Niba warashizeko inomero yawe y'ubwishingizi (SSN), Uruhusha rwo gutwara imodoka, canke Pasiporo ku gitabu c’ikinyoma . Form I-9 / W-4, uhagarike ibiro vyose 3 vy’inguzanyo NA ChexSystems ubwo nyene: Shiraho ubwo nyene, uhagarike umutekano ku buntu kuri Equifax, Experian, na TransUnion (n’uguhagarika amabanki kuri ChexSystems) ukurikije ivyacu Inyishu y'ukurenga ku makuru n'uburongozi bw'ijambobanga rero abo bahendanyi ntibashobora gufungura amakarita y’inguzanyo, inguzanyo z’imodoka, canke amakonti yo gusuzuma ivy’ubuhinga bwa none bakoresheje selfie yawe y’uruhusha rwo gutwara imodoka na SSN.
5. Funga inomero yawe y'ubwishingizi kuri E-Verify (myE-Verify Self Lock) maze ubone IRS Identity Protection PIN (IP PIN): Kuko abasuma mu kazi basubira kugurisha ivyo bibwe I-9 amapaki (SSN + Photo ID) ku rubuga rw'umwiza ku bijanye n'akazi kataremewe n'ubuhendanyi bwo gusubiza umusoro, winjire muri myeverify.uscis.gov kugira ngo ukoreshe Self Lock (kubuza umuntu wese gukoresha SSN yawe kugira ngo ushire E-Verify n’ugusuzuma akazi) hanyuma ugende kuri irs.gov/ippin kugira uronke PIN y’uburinzi bw’akaranga ka IRS y’imirongo 6 kugira ngo ntihagire umugizi wa nabi ashobora gutanga itangazo ry’ikori mw’izina ryawe.
6. Nimba uwugutora akusavye gushiramwo "porogarama yo kugenzura akazi kure" (AnyDesk, TeamViewer, ScreenConnect, canke umugenzo .exe/.dmg script), uce uhagarika mudasobwa yawe kuri Wi-Fi ubwo nyene: Ivyiyumviro vy’ubuhinga bwa none vy’ibinyoma n’ivy’ugushiramwo amakode y’ibinyoma kenshi bishiramwo Remote Access Trojans (RATs) canke infostealer malware yiba amakuru yawe y’umucukumbuzi n’amasakoshi yawe y’amahera. Itandukanye na mudasobwa maze ukurikire ivyacu . Porogaramu mbi, porogaramu y'incungu, n'uburongozi bw'imigera ya porogaramu y'ubutasi.

Igiti c'ingingo: gutoranya inzira ubuhendanyi bw'akazi bwabayeho¶

Imigambi y'akazi y'ibinyoma ikora ku nzira zine z'intango z'ibitero. Kurikiza iyi nzira y'ugutoranya ishingiye kuvyo wasangije canke wabitse:

flowchart TD
    Start["Ugutahura Akazi Kure canke Ugutora Akazi Ni Ubuhendanyi"] --> Vector{"Ni ibikorwa ibihe vyabaye mu gihe c’ikibazo canke mu gihe c’ugushirwa mu bwato?"}
    Vector -->|"1. Yashizeho 'Igikoresho / Icegeranyo c'Ivyiza' (canke Yarungikiye Amahera Umuguzi)"| Check["INGORANE ZIHUTIRIZWA ZO MU BANKI: Ntimukoreshe Amahera. Sura Ishami rya Banki Uyu musi kugira ngo Wimenyeshe ko Sheki y'Ikinyoma"]
    Check --> Recall["Niba Wohereje Zelle / Wire / Ikarita Kwishura: Usabe Ukwibuka Ubuhendanyi & Dosiye Polisi + Raporo ya IC3"]
    Recall --> Chex["Gukingira ChexSystems / EWS Konti Gufunga Urutonde rw'Ibirabura mu gushikiriza Raporo za Polisi & FTC Umuyobozi wa Banki"]
    Vector -->|"2. Yatanze SSN, uruhusha rwo gutwara imodoka, pasiporo, canke amafishi W-4 / I-9"| ID["IKIBAZO C'AKARENGANYO N'IMISORERO: Gufunga Equifax, Experian, TransUnion, ChexSystems na NCTUE Ubwo nyene"]
    ID --> Gov["Gufunga SSN kuri USCIS myE-Suzuma + Kuronka PIN IP ya IRS (irs.gov/ippin) + Gukurikirana Urubuga rwa Leta rw'Ubushomeri"]
    Vector -->|"3. Yatanze inzira ya banki n'inomero ya konti (Voided Check) canke yinjiye muri banki biciye kuri Link"| Bank["IKIBAZO C'UKWITWARA KONTI: Funga inomero ya konti ya banki yashizwe mu kaga & Gufungura inomero nshasha ya konti"]
    Vector -->|"4. Crypto / USDT yishuwe kugira ngo 'Ukore neza ibikorwa' canke 'Porogarama y'Ibikorwa' ishizwemwo."| Tech["TECH & Crypto CRISIS: Hagarika kwishura 'Imisoro yo Gukura' (Ukwica Ingurube) & Uhanagure AnyDesk / Infostealer Malware"]

Anatomy y'ibihembo 4 bikomeye vy'akazi ka kure (n'igituma ababishikirwa babikunda)¶

Abahendanyi b’akazi bo muri iki gihe ntibohereza ama email yanditswe nabi bavuye ku ma aderesi y’urubuga y’ubuntu. Baca bafata insobanuro z’akazi nyazo zivuye mu masosiyete ya Fortune 500 n’amashirahamwe yemewe, bagakora ibinyoma ku bijanye n’imirongo y’abarongozi ba LinkedIn, bagandika amakuru asa n’ayo (careers-at-company.com), kandi bagakora ibibazo vy’amasaha menshi imbere y’uko batera umutego.

Icigwa ca 1: Gutabara vyihutirwa muri banki iyo washizeho sheki y'ibikoresho vy'ikinyoma¶

Gutahura ingene amabanki afata sheki y’ikinyoma yasubijwe ni ikintu gihambaye cane kugira ngo uzigame amahera yawe be n’ubushobozi bwawe bwo kugira konti muri banki muri kazoza.

Kubera iki "Ikigereranyo Kiriho" Bidasobanura ko Icegeranyo Cakuweho¶

Mu gihe ca Amerika Itegeko ryerekeye ukuntu amafaranga yihuta kuboneka n’Itegeko ry’Igihugu ryerekeye Amafaranga y’Igihugu CC (12 CFR § 229.10 - § 229.12), amabanki y’abaguzi asabwa n’amategeko gutuma amadolari 225 gushika ku madolari 275 ya mbere y’amahera y’isheki aboneka ku musi w’akazi ukurikira, n’amasheki menshi yo mu gihugu asigaye (na cane cane amasheki y’ibinyoma y’abacungezi b’amahera canke amasheki y’amashirahamwe) akaboneka mu misi 2 gushika ku 5 y’akazi. - Abahendanyi baracapura amasheki y’ibinyoma bakoresheje inomero z’inzira y’ishirahamwe nyakuri be n’inomero za konti zari ziyibwe mu madosiye ya bose (ni co gituma inomero y’inzira irenga ku kwemezwa kwa mbere kw’ubuhinga bwa none), canke bagahindura sheki yoshe. - Iyo sheki amaherezo ishitse muri banki y'ishirahamwe ryitanze canke igenzurwe n'ishirahamwe Positive Pay haciye imisi 5 gushika kuri 14 y'akazi, iraterwa icubahiro maze igasubirwamwo nk'"Iyinyoma / Yahinduwe / Yerekeza ku Muhinguzi". - Munsi y'Itegeko ry'Ubucuruzi Rimwe (UCC § 4-214, Uburenganzira bwo Gusubiza)**, banki yawe irafise uburenganzira bwo gukura amadolari 3.500 canke 4.800 yose kuri konti yawe igihe sheki isubira inyuma, naho umukozi wa banki yoba yakubwiye ku musi wa 2 ko sheki "yasa neza kandi ko yacitse."

Intambwe ku yindi Porotokole ishingiye aho uri mu gusuzuma ubuhendanyi¶

Ivyabaye A: Washizeho sheki y'ikinyoma, ariko nta mahera wararungitse¶

Waririnze gutakaza amahera, ariko konti yawe yo muri banki iri mu kaga ko gupfungwa ubwo nyene no gushirwa ku rutonde rw’abanyaruyeri kubera ubuhendanyi bw’amasheki. Iyo sheki y’amadolari 3.500 y’ibinyoma isubiye inyuma, amabanki yikoresha (Early Warning Services / ChexSystems) ntashobora kumenya nimba wewe wacapye iyo sheki y’ikinyoma kugira ngo ubeshe banki canke ko wahemukiwe n’umubeshi w’akazi. Hatariho itangazo ry’imbere y’igihe, amabanki menshi aca afunga konti y’umukiriya maze agatanga ikimenyetso c’uko ataco akora . EWS / ChexSystems fraud entry ikubuza gufungura konti y’amahera muri banki iyo ari yo yose nini mu kiringo c’imyaka 5 gushika kuri 7. 1. Siga 100% vy'amahera y'isheki atakozweko kuri konti yawe kugira banki ishobore kuyisubiramwo neza iyo isubiye inyuma. 2. Injira mw’ishami ry’umubiri canke uhamagare igisata c’ubuhendanyi ca banki yawe ubwo nyene (imbere y’uko sheki isubira inyuma). 3. Saba umuyobozi w'ishami canke umuhinga mu vy'ubuhendanyi ashire Ikete ry'Ukwimenyesha kw'Umunyavyaha ku bushake ku giciro c'amahera kirindiriwe: "Nari mfise ubuhendanyi bw'amahera y'akazi. Maze gushiramwo amahera #[Igitigiri] ku $[Umubare], uwo muhendanyi yaransavye ko norungikira ubutumwa kuri Zelle umucuruzi w'amahera. ubuhendanyi, SINAKOZE kuri ayo mahera, kandi ndashaka ko banki ihagarika ayo mahera kugira ngo asubiremwo igihe sheki izoba ivuyeko ata gihano co gufunga konti yanje canke ngo insabe gufunga ubuhendanyi bw'ibintu vyasubijwe." 4. Bika izina n’indangamuntu y’umukozi w’uwuserukira banki n’inomero y’urubanza.

Ivyabaye B: Waramaze kohereza amahera (biciye kuri Zelle, Wire, Cash App, Amakarata y’Ingabirano, canke Crypto) Imbere y’uko Sheki Isubira¶

Ivyo ufise kuri konti yawe biriko biragabanuka n’amahera yose y’amahera y’ikinyoma, ivyo bikaba bizotuma konti yawe y’amahera ibihumbi n’ibihumbi iguma mu amahera y’amahera yarengeje urugero. 1. Hamagara igisata co gukingira ubusuma n'uguhomba muri banki yawe mu masaha makeyi: - Raporo y’ivyo vyose isheki y’ikinyoma yinjira n’ivyoherezwa vy’ubuhendanyi bisohoka (Zelle, wire, ACH, canke ikarita y’ideni). - Niwarungika Ugurungika amahera yo mu gihugu canke kw’isi yose mu masaha 24 gushika kuri 72 aheze, nusabe Ugusubiramwo amahera y’ivyihutirwa (SWIFT gpi Stop and Recall canke Fedwire Fraud Recall) kandi ushire ikirego cihutirwa kuri ic3.gov gukurikira ivyacu ubucuruzi bw'ishirahamwe imeyili n'ubuhendanyi bwo kwibuka ubuyobozi. - Niwaba wohereje amahera biciye kuri Zelle, Venmo, canke Cash App, menyesha banki yawe n’Igisata c’Ubuhendanyi c’iporogarama yo kwishura urubuga rw’uwuyaronka (APP) Ubuhendanyi bw’Akazi / Ubuhendanyi bw’Umubeshi** rero konti y’inyumbu yakira ishobora guhagarara imbere y’uko uwo muhendanyi asohora amahera. 2. Gutanga raporo y'ubusuma / ubuhendanyi bw'akaranga ka FTC (IdentityTheft.gov & ReportFraud.ftc.gov) na Raporo ya Polisi yo mu Karere: - Zana amafoto acapwe y’ikete ry’ikinyoma ry’ugusaba akazi, ubutumwa bw’uwugutora, ishusho y’ikete ry’ikinyoma (Ntukigere wohereza ishusho y’ikete ry’ikinyoma biciye ku Mobile Deposit nimba ugifise), n’amabwirizwa yo kwimurira umucuruzi ku biro vya polisi vyo mu karere iwanyu kugira ngo uronke Inomero y’Ivyabaye kuri Polisi. 3. Kwirinda ChexSystems / Ibikorwa vyo kugabisha mbere y'igihe (EWS) Gushira ku rutonde rw'abantu & Guhanahana umugambi wo kwishura ingorane: - Ushikirize Raporo ya Polisi na Raporo ya FTC umuyobozi w'ishami rya banki yawe. - Basabe banki mu nyandiko: 1. Ntumenyeshe konti yawe kuri ChexSystems canke Early Warning Services munsi y'itegeko "Ikekwa ko ari ubuhendanyi / Ugukoresha nabi konti" (kubera ko uri umuntu yakoze icaha gifise inyandiko); 2. Guheba amafaranga y’ugukura amafaranga n’ayo gusubiza amafaranga; na 3. Guhindura amahera yose asigaye atari meza ava mu gusubiza amahera mu 0% APR Hardpayment Plan ata nyungu mu mezi 6 gushika ku 12 aho gufunga konti yawe ukayohereza mu bigo vy’amahera.

Icigwa ca 2: Ico wokora iyo wahaye abasuma amahera yawe Form I-9, W-4, SSN, Pasiporo, Uruhusha rwo gutwara imodoka, canke inomero ya konti ya banki¶

Mu bikorwa vyinshi vy'ubuhendanyi vy'ibinyoma vy'akazi kure, nta n'imwe igenzura ibinyoma: intumbero yose y'ikibazo c'ibinyoma n'"Ikete ry'Itangazo" ni ukuguhenda ngo wuzuze "HR Onboarding Packet" irimwo Inomero yawe y'ubwishingizi (SSN), Itariki y'amavuko, Izina ry'ubuto rya nyina, Impapuro zo gutwara imodoka / Pasiporo, na Inzira y'ugushiramwo amahera n'inomero za konti. Shira mu ngiro uru rutonde rw'ingingo 7 zo gukingira ubwo nyene:

1. Funga Konti Yawe ya Banki Yari Yarahuye (Nimba Watanze Sheki Itagira Akamaro canke Urupapuro rwo Gushiramwo Amahera)¶

Igitabu ca Amerika Ifomu y’Ukwemererwa Gushiramwo Amahera ataco Akora canke Icegeranyo c’Ikigega kidakora kigaragaza Inomero yawe y’Inzira ya ABA y’imibare 9, Inomero yawe yuzuye ya Konti y’Igenzura, n’umukono wawe. - Mu buryo butandukanye n’amakarata y’ideni, Inzu y’Igihugu y’Ubuhinga bwo Gutanga Amafaranga (ACH) urubuga rwemerera umucuruzi wese, uwukora amafaranga, canke uwutanga amafaranga afise inomero yawe y’inzira n’iya konti yawe gutangura ACH Debit Pull kuri konti yawe, canke rwemerera abagizi ba nabi gucapura amasheki y’impapuro z’ibinyoma akoresheje ubuhinga bwa magnetic . MICR wino ikwezwe ataco ihinduye kuri konti yawe. - Ntusabe gusa banki yawe "kuraba" konti: Tegeka banki yawe gufunga ubudasiba inomero ya konti y'igenzura/y'ububiko yahinduwe maze ufungure inomero nshasha ya konti (uguhindura amahera yawe yemewe no guhagarika "automatic forwarding of ACH numbersed account" kuva ku ya kera).

2. Gufunga Ibiro 3 vyose vy'Inguzanyo vyo mu Gihugu cose n'Ibiro vy'Ibanki Yihariye¶

Ukoresheje SSN yawe, Itariki y’Ivuka, be n’uruhusha rwawe rwo gutwara imodoka canke Pasiporo yawe, abagizi ba nabi barashobora guca hafi muri banki yose yo kuri Internet canke mu ngurane . KYC (Menya Umukiriya Wawe) check. Izo biro zose zitanu zifunge uno musi (100% ku buntu n’itegeko rya Leta Zunze Ubumwe za Amerika hakurikijwe 15 U.S.C. § 1681c-1): 1. Ekifaksi: equifax.com/personal/credit-report-services/credit-freeze/ (1-888-298-0045) 2. Umugerageza: experian.com/freeze/center.html (1-888-397-3742) 3. Ishirahamwe ry'abahinduzi: transunion.com/credit-freeze (1-800-916-8800) 4. ChexSystems (Gusuzuma no kuzigama konti gufungura): chexsystems.com -> Shiraho umutekano (1-800-428-9623). Gufunga ChexSystems bibuza abagizi ba nabi gukoresha ifoto yawe y’uruhusha rwo gutwara imodoka wibwe na SSN kugira ngo bafungure amakonti y’ubuhendanyi yo kuri internet (nk’amakonti ya Chime, SoFi, Ally, canke Chase) mw’izina ryawe kugira ngo bakoreshe amahera. 5. NCTUE (Ishirahamwe ry'igihugu ry'amatelefone n'amazi): nctue.com (1-866-349-5355) kugira ngo uhagarike abahendanyi ngo ntibahe amahera iPhones n’imirongo ya telefone ngendanwa iri munsi ya SSN yawe.

3. Gukoresha myE-Verify Self Lock ku guhagarika akazi kataremewe munsi ya SSN yawe¶

Iyo ushikirije igitabu cuzuye USCIS Form I-9 (Igenzura ry'Uburenganzira bwo Gukora) hamwe n'amafoto y'inyandiko zawe Urutonde A (Pasiporo ya Amerika) canke Urutonde B + Urutonde C (Uruhusha rwo gutwara imodoka + Ikarita y'Ubwishingizi butagira aho bugarukira), abacuruzi bo ku rubuga rw'umwiza bagurisha izo nyandiko nyazo "zigenzuwe I-9 bundle" ku bantu badashobora gukora mu buryo butegekanijwe n'amategeko bakoresheje akaranga kabo bwite. Iyo umuntu akoresheje ivyawe . I-9 bundle kugira ngo baronke akazi, umukoresha wabo azotanga raporo y’amadolari ibihumbi mirongo mu 2019. W-2 canke 1099 umushahara kuri IRS munsi y’Inomero yawe y’Ubwishingizi, bikavyura igenzura ry’imisoro rya IRS n’amafaranga y’imisoro y’inyuma kuri wewe. - Genda ku rubuga rwemewe rw’Igisata c’Umutekano wo mu Gihugu ca Amerika / USCIS kuri myeverify.uscis.gov. - Rema konti yawe bwite, uce kugenzura akaranga, hanyuma ufungure Self Lock. - Igihe Self Lock imaze gukora, iyo umuntu agerageje gukoresha inomero yawe y’ubwishingizi kugira ngo ashire E-Verify gusuzuma akazi ku mukoresha wese wo muri Amerika ariko aragira uruhara, iyo sisitemu ihita ihagarika umukino n’Ukwemeza kw’Igerageza (Mismatch) kandi akakugabisha. (Igihe cose wewe ubwawe utanguye akazi nyakuri, urashobora gufungura mu gihe gito Self Lock mu masegonda 30).

4. Kuronka IRS Identity Protection PIN (IP PIN) na Dosiye Form 14039¶

A yibwe Form W-4 + . SSN yemerera abagizi ba nabi gutanga umusoro w’ububeshi mbere y’igihe muri Mukakaro kugira ngo bibe amahera yawe y’umusoro, canke bagufate imisoro utarishe kuri phantom . W-2 / 1099-NEC inyungu. 1. Genda kuri irs.gov/ippin kandi wiyandikishe muri PIN y'Ukurinda Akaranga ka IRS (IP PIN) porogarama. 2. IRS izoca itanga ibanga 6-digit IP PIN. Iyo umaze kwiyandikisha, mudasobwa za IRS zizokwanka ubuhinga bwose bwo mu buhinga bwa none canke bwo ku mpapuro Form 1040 umusoro washizwe munsi y’Inomero yawe y’Ubwishingizi bw’Igihugu itarimwo PIN yawe y’ibanga y’imirongo 6. 3. Niwabona umushahara utaremewe wavuzwe munsi ya SSN yawe, reba Igitabo cawe c’imishahara y’ubwiteganyirize bw’abantu kuri ssa.gov/myaccount kandi ushikirize IRS Form 14039 (Inyandiko y'ubusuma bw'akaranga) kuri internet biciye ku IdentityTheft.gov.

5. Suzuma kandi Ufunge Ubwishingizi bwawe bwa Leta bw’Ubushomeri (UI) Urugi¶

Vyibwe I-9 na W-4 amapakete ni #1 y'amavuta y'ibinyabiziga Ubwishingizi bwa Leta bw'ubushomeri (UI) Impostor Fraud (aho abahendanyi bashiramwo amafaranga y’ubushomeri buri ndwi mw’izina ryawe bakoresheje SSN yawe, itariki y’amavuko, n’amateka y’umukoresha wawe imbere y’aho avuye mu gitabu cawe c’ubuzima). - Genda ku rubuga rwawe rwa Igisata ca Leta kijejwe abakozi / Ishirahamwe ry'abakozi UYU MUSI. - Iyandikishe urutonde rwawe rw’umuntu asaba ubwishingizi bw’ubushomeri ku rubuga rwa interineti (naho woba udafise umugambi wo gusaba inyungu) ukoresheje uburyo bukomeye bwo kwemeza ko umuntu afise ubwishingizi bw’ubushomeri (MFA) rero umubeshi ntashobora kwandika konti iri munsi ya SSN yawe mbere. - Niba urubuga rwa leta ruvuga ngo "Hariho konti y'iyi nomero y'ubwishingizi", ushire Raporo y'ubusuma bw'akaranga k'ubushomeri bwa Leta ku rubuga rw'ubuhendanyi rw'ikigo ca leta kugira ngo nturonke IRS Form 1099-G ku nyungu utigeze ukorakoranya.

6. Gushirako ibendera canke gusubirira uruhusha rwawe rwo gutwara imodoka n'impapuro z'inzira¶

Kubera ko washizeko ibara ritomoye ry'uruhusha rwawe rwo gutwara imodoka canke Pasiporo yawe (kandi bishoboka ko ari "selfie y'ubuzima"), abagizi ba nabi barashobora gukoresha ayo mashusho kugira ngo bace mu gusuzuma akaranga kawe bari kure canke bacape indangamuntu z'ibinyoma z'agaciro kanini: - Uruhusha rwo gutwara imodoka: Shira Raporo ya Polisi yo mu karere kawe yerekana ukuntu inomero y'uruhusha rwo gutwara imodoka yawe yahindutse, hanyuma uhamagare Igisata c'Ibinyabiziga (DMV) Igice c'ubuhendanyi kugira ngo ushire ibendera ry'ubuhendanyi ku nyandiko yawe y'uruhusha (canke usabe uruhusha rwo gusubirira n'inomero nshasha y'igenzura/ivangura ry'inyandiko DD). - Passport: Iyo wohereje gusa fotokopi/ifoto y'urupapuro rw'amakuru y'ipasiporo yawe (kandi ukaba ufise igitabu cawe c'impapuro z'inzira mu kuboko), ntubwirizwa gukuraho isiporo yawe y'umubiri kiretse utegetswe n'abajejwe gukurikiza amategeko, ariko nimba pasiporo yawe y'umubiri yarungitswe kure canke ushaka gukuraho inomero y'impapuro z'inzira yawe I-9 scanner rero irananirwa ubwayo DHS n'inomero y'inyandiko, ushobora kumenyesha ko pasiporo yakozwe mu kaga maze ugasaba igitabu co gusubirira igitabu gifise inomero nshasha ya pasiporo biciye ku travel.state.gov (Leta Zunze Ubumwe za Amerika), Ibiro vy’Impapuro z’Impapuro za HM (Ubwongereza), canke Impapuro z’Impapuro zo muri Canada.

Uko womenya nimba akazi ka kure ari ukwo canke ari ubuhendanyi mu minota mikeyi¶

Imbere y’uko ushiramwo indangamuntu canke wemera ikete ry’ugutanga akazi, gerageza uwuguha akazi kuri aya Amategeko 7 adashobora gusubirwamwo y’ugutanga akazi mu buryo bubereye:

Copy-and-Paste Script: Itangazo ryanditswe kuri Banki yawe Inyuma y'aho ushize amahera y'akazi y'ikinyoma¶

Niba igiciro c’ibikoresho vy’ikinyoma casubiye inyuma (canke kiriko kirasubirwamwo) kandi ushaka gukingira konti yawe y’igenzura ngo ntiyifungwe kandi ikamenyeshwa nabi ChexSystems canke Early Warning Services (EWS), ushikirize kopi y’iri tangazo ryashizweko umukono (ririmwo Raporo yawe ya Polisi na Raporo ya FTC) ku muyobozi w’ishami rya banki yawe maze uyishire ku rubuga rwa banki yawe rwo gusaba ubusuma:

[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

Ibibazo bikunda kubazwa¶

Ni kuki banki yanje yambwiye ko sheki y'akazi "yacitse" nimba mu vy'ukuri ari sheki y'ikinyoma?¶

Iyo umukozi wa banki canke app ya mobile banking yerekanye ko amahera y’isheki yashizwemwo Ariho inyuma y’umusi 1 canke 2 w’akazi, ivyo ntibisigura ko iyo sheki yaciwe muri banki yatanze canke ko yagenzuwe ko ari ay’ukuri. Mu itegeko ry’Amerika ryerekeye ukuntu amafaranga yihuta kuboneka (Federal Reserve Regulation CC, 12 CFR Part 229), amabanki asabwa n’itegeko rya Leta Zunze Ubumwe za Amerika kurekura amafaranga y’agateganyo ku bakiriya mu misi 1 canke 2 y’akazi, kera cane imbere y’uko sheki irangiza igikorwa co gutanga amafaranga y’agateganyo hagati y’amabanki. Abahendanyi b’akazi bakoresha iyo nzira y’imisi myinshi kugira ngo baguhenda ngo baguhe amahera canke ngo baguhe amahera nyayo kuri konti yawe imbere y’uko sheki y’ikinyoma isubira inyuma maze banki yawe igasubiza inguzanyo y’agateganyo hakurikijwe Itegeko ry’Ubucuruzi ry’Igice ca 4-214.

Noshobora kuja mw’ibohero canke nkaburanishwa iyo nshize sheki y’ikinyoma y’umubeshi w’akazi?¶

Iyo wahemukiwe n’umunyavyaha w’akazi, ugakorana ubwo nyene na banki yawe, maze ugatanga Raporo ya Polisi na Raporo y’Ubusuma bw’Indangamuntu ya FTC, uri umunyavyaha aho kuba umunyavyaha kandi ntuzohura n’ubutungane bw’ubutungane kubera gusa wabeshejwe ngo ushiremwo sheki imwe y’ikinyoma. Ariko rero, hakurikijwe amategeko ya banki y’Itegeko ry’Ubucuruzi Rimwe, uguma ufise inshingano y’ubutunzi n’ivy’amahera kuri banki yawe yo kwishura amahera yose wakuye canke warungitse hanze imbere y’uko sheki y’ikinyoma isubira inyuma, kandi utegerezwa guhagarika kwemera canke kohereza izindi sheki, amahera yoherezwa, canke amapaki kugira ngo ntukore nk’inyumbu y’amahera.

None nofunga gute inomero yanje y’ubwishingizi kugira ngo ntihagire uwukoresha urupapuro rwanje rwa I-9 rwibiwe kugira ngo aronke akazi?¶

Rema konti y’umuntu ku giti ciwe ku buntu ku rubuga rwa myE-Verify rw’Igisata c’Umutekano wo mu Gihugu ca Amerika no ku rubuga rwa USCIS (myeverify.uscis.gov) maze ukoreshe ikintu citwa Self Lock. Igihe Self Lock ifunguwe, iyo hari umubeshi agerageje gukoresha inomero yawe y’ubwishingizi bw’ubuzima ku rupapuro I-9 ku mukoresha wa E-Verify, iyo sisitemu irahagarika igenzura ry’uruhusha rwo gukora maze ikakumenyesha; ushobora kandi kuronka PIN y’uburinzi bw’akaranga ka IRS y’imirongo 6 kuri irs.gov/ippin maze ugafunga amadosiye yawe y’inguzanyo kuri Equifax, Experian, TransUnion, na ChexSystems.

Amasoko yasuzumwe¶

• Komisiyo y'ubudandaji ya Leta Zunze Ubumwe za Amerika (FTC, Leta Zunze Ubumwe za Amerika): Ubuhendanyi bwo kuronka akazi, Ubuhendanyi bwo kwishura amahera menshi, n’ IdentityTheft.gov Amategeko yo gusubiza ubusuma bw’akaranga k’akazi.
• Inama Nkuru y'Igihugu n'Ibiro vy'Umugenzuzi w'Ifaranga (OCC): Itegeko CC (12 CFR Part 229, Ukuronka Amahera n’Ugutora Amasheki) be n’Itegeko ry’Ubudandaji Rimwe (UCC § 4-214) Amategeko agenga ivy’ugusubiza inguzanyo y’agateganyo.
• Ibiro vya Leta Zunze Ubumwe za Amerika bijejwe iperereza (FBI) Ikigo kijejwe gutanga ikirego c’ubugizi bwa nabi kuri Internet (IC3): PSA Imenyesha ku Buhendanyi bwo Gusuzuma Ibikoresho Vyo Gukora-Uva-Muhira, Ubuhendanyi bwo Gutuma Ibikorwa Vya Cryptocurrency Bigenda neza, n'Ugutora Akazi k'Inyumbu y'Amahera.
• Ibiro vy’ubwenegihugu bwa Amerika n’ivy’abimukira (USCIS / Igisata c'umutekano wo mu gihugu): myE-Verify Porogarama yo kwifunga yo kurinda inomero z'ubwishingizi bw'abanyagihugu ku bitemewe Form I-9 Ubuhendanyi mu kazi.
• Igisata c'Igihugu c'Igihugu (IRS, Leta Zunze Ubumwe za Amerika): PIN yo kurinda akaranga (IP PIN) Ukwiyandikisha (irs.gov/ippin) n’Ubusuma bw’Akaranga Bujanye n’Akazi (Form 14039) Gusubizaho.

Inyobora zifitaniye isano¶

• Inyishu y'ukurenga ku makuru, amajambobanga yasohotse, n'uguhagarika inguzanyo
• Ishirahamwe ry'ubucuruzi ry'imeli (BEC) n'ukwibuka ubusuma bw'amatelefone
• Amafaranga y'ibanga asohoka, amajambo y'imbuto yo gusenyera ku mugozi umwe, no gukuraho ivyemezo
• Porogaramu mbi, porogaramu y'incungu, n'ugukuraho imigera ya porogaramu y'ubutasi
• Inomero z'ivyihutirwa hakurikijwe igihugu