Ubuqhophololo boBonelelo boMsebenzi obungeyonyani, izixhobo zokuJonga ubuqhophololo, kunye nokubiwa kwesazisi se-I-9¶

Ukufumana umsebenzi othe kratya emva kodliwano-ndlebe olusekwe kwisicatshulwa kuQela likaMicrosoft, iTelegram, uMqondiso, okanye uWhatsApp, elandelwa yimiyalelo yokufaka i-3,500 “yetshekhi yezixhobo zeofisi yasekhaya” nge-app yebhanki ephathwayo kunye nocingo okanye imali kaZelle “kumthengisi ovunyiweyo” wenkampani iMacBook kunye neelayisensi zesoftware, okanye ukuqonda kanye emva kokulayisha ikhadi lakho loKhuseleko lweNtlalo, ukufakwa kwekhadi loKhuseleko lwezeNtlalo, ilayisensi yokuqhuba kunye nebhodi yokundwendwela iphosi, ibhodi yokuqhuba kunye nephepha-mvume lokuqhuba. Umqeshwa ngumkhohlisi, yingxaki yemali nezazisi ezimbini. Ngokutsho kwe-US Federal Trade Commission (FTC) kunye neZiko leZikhalazo zoLwaphulo-mthetho kwi-Intanethi ye-FBI (IC3), ingqesho kunye nobuqhophololo bomsebenzi buphakathi kobuqhophololo bezemali obukhula ngokukhawuleza kwihlabathi liphela kuba baxhaphaza ubuthathaka obubini ngaxeshanye: 1. Imithetho yebhanki yomanyano (Umgaqo CC / UMthetho wokuFumaneka kweeNgxowa-mali eziKhawuleziweyo) inyanzelela ibhanki yakho ukuba yenze imali yetshekhi edipozithiweyo ijongeke "iyafumaneka" kwibhalansi yakho ithatha iiyure ezingama-24 ukuya kwi-48 ukuya kwi-counter* yeentsuku ezingama-48 * nge-Federal Reserve clearinghouse, ikushiya unetyala ngayo yonke idola oyithumele kumthengisi womgunyathi; kunye 2. fake Form I-9 kwaye Form W-4 iipakethi zokukhwela zinika amaqela olwaphulo-mthetho olulungelelanisiweyo yonke into efunekayo ukuze avule ii-akhawunti zebhanki, afake iimbuyekezo zerhafu yobuqhophololo, ukuqweqwedisa izibonelelo zokungaphangeli, kunye nemali emdaka egameni lakho.

Ukuba ubuqhophololo bomsebenzi bubandakanya izoyikiso zomzimba, ubuqhetseba, okanye umntu ofika ekhayeni lakho eze kulanda imali okanye iipakethi, fowunela inombolo yakho yexesha likaxakeka (911 eUnited States naseKhanada, 112 kwiManyano yaseYurophu, 999 eUnited Kingdom) okanye jonga uluhlu lwethu lwamazwe ngamazwe amanani kaxakeka ngoko nangoko. Kuzo zonke iimeko zezixhobo zomgunyathi zokujonga iidiphozithi, i-cryptocurrency "ukwenza umsebenzi kakuhle" ubuqhophololo bomsebenzi, okanye ukuthotywa I-9 / W-4 amaxwebhu ebhodi, yenza amanyathelo okugcina umonakalo angezantsi ngokukhawuleza.

Yenza oku ngoku¶

1. ** MUSA ukuthumela, ucingo, Zelle, Venmo, ukuthenga amakhadi isipho, okanye uthumele idola enye kuyo nayiphi na "itshekhi izixhobo ofisi ekhaya"**: Akukho mqeshi osemthethweni ehlabathini uya kuze imeyile okanye email itshekhi ukuba idipozithi kwi-akhawunti yakho yebhanki yobuqu kwaye ikuxelele ukuba udlulisele imali kumthengisi izixhobo wesithathu-party nge Zelle, Cash App, Venmo, wire transfer, ikhadi Bitcoin ATM. Nokuba i-app yakho yebhanki ibonisa i-3,500 ye-$ okanye i-$ 4,800 yetsheki njenge "Ibhalansi ePosiweyo / ekhoyo", itshekhi yi-**itshekhi yomgunyathi okanye etshintshiweyo ** eya kubhampa kwiintsuku ezi-5 ukuya kwezi-14, isula i-akhawunti yakho kwibhalansi engalunganga.
2. Ukuba sele uyifakile itshekhi yezixhobo zomgunyathi, fowunela iSebe lebhanki yakho ngobuqhophololo kunye nokuBamba iCheck-Hold buqu NAMHLANJE phambi kokuba igqabhuke: Musa ukuyiphatha okanye uyisebenzise iimali ezikhutshiweyo. Hamba uye kwisebe lebhanki elibonakalayo (okanye ufowunele iSebe Lobuqhophololo ngasemva kwekhadi lakho le-debit) kwaye utsho ngokucacileyo: * "Ndilixhoba le-scam yetshekhi yokuthengisa ekude. Itshekhi endiyifake [Umhla] ye-$ [Ixabiso] inikezelwe ngumqhatha wengqesho.EWS)."*
3. Ukuba unike umkhohlisi i-"Voided Check" okanye i-Bank Routing yakho kunye neNombolo ye-Akhawunti yakho ye-"Idipozithi eNgqo", vala loo akhawunti yebhanki namhlanje: Abaqhathi abayikubuzi inombolo ye-akhawunti yakho kwifomu yomgunyathi yediphozithi ngqo ukuze bakuhlawule; basebenzisa loo manani ukuqalisa ubuqhophololo kwi-ACH debit pulls, ukuprinta iitshekhi zephepha lomgunyathi ezotywe kwiakhawunti yakho, okanye basebenzise i-akhawunti yakho yokutshekisha njengokuwisa imali-imeyile. Cela ibhanki yakho ivale inombolo ye-akhawunti esengozini kwaye uvule inombolo yeakhawunti entsha kraca.
4. Ukuba ulayishe iNombolo yakho yoKhuseleko lweNtlalo (SSN), iLayisensi yokuqhuba, okanye iPaspoti kumgunyathi Form I-9 / W-4, misa zonke ii-credit bureaus ezi-3 KUNYE NE-ChexSystems ngoko nangoko: Beka iFreeze yoKhuseleko ngoko nangoko, yasimahla e-Equifax, Experian, kunye neTransUnion (kunye nokumisa ibhanki e ChexSystems) ngokulandela kwethu impendulo yokwaphulwa kwedatha kunye nesikhokelo sokuvuza kwegama lokugqitha ke abakhohlisi abanakuvula amakhadi etyala, imali mboleko yemoto, okanye iiakhawunti zokujonga i-fintech usebenzisa ilayisenisi yakho yokuqhuba iselfie kunye neSSN.
5. Tshixa inombolo yakho yoKhuseleko lweNtlalo ku E-Verify (myE-Verify Self Lock) kwaye ufumane i IRS Identity Protection PIN (IP PIN): Kuba amaqola engqesho aphinda abiwe I-9 iipakethe (SSN + Photo ID) kwiwebhu emnyama yengqesho engagunyaziswanga kunye nobuqhophololo bembuyekezo yerhafu, ngena myeverify.uscis.gov ukwenza kusebenze I-Self Lock (ukuthintela nabani na ekusebenziseni i-SSN yakho ukugqithisa E-Verify ukujonga ingqesho) kwaye uye ku irs.gov/ippin ukufumana i-PIN eneedijithi ezi-6 I-IRS Identity Protection PIN ukuze kungabikho saphuli-mthetho sinokufaka imbuyekezo yerhafu egameni lakho.
6. Ukuba umqeshi ukucele ukuba ufake "isoftware yokubeka iliso ekude" (AnyDesk, TeamViewer, ScreenConnect, okanye isiko .exe/.dmg script), qhawula ikhompyuter yakho kwi-Wi-Fi kwangoko: I-IT eyinkohliso yokukhwela kunye novavanyo lwekhowudi yobuxoki rhoqo ukufaka i-Remote Access Trojans (RATs) okanye i-infostealer malware eba iikuki zakho zesikhangeli kunye ne-crypto wallet. Yahlula ikhompyuter kwaye ulandele yethu i-malware, i-ransomware, kunye nesikhokelo sosulelo lwe-spyware.

Umthi wesigqibo: ukuvavanywa kweliphi inqanaba lomsebenzi owenzekayo¶

Izikim zengqesho zomgunyathi zisebenza kuzo zonke iindawo ezine ezingundoqo zohlaselo. Landela le tshati yovavanyo esekwe kwinto owabelene ngayo okanye oyidiphozithiweyo:

flowchart TD
    Start["ISibonelelo soMsebenzi esiRemote okanye uMqeshwa sisiQhinga"] --> Vector{"Zeziphi izenzo ezenzekileyo ngexesha lodliwano-ndlebe okanye ekukhweleni?"}
    Vector -->|"1. Idiphozithwe 'Isixhobo / Itshekhi yeStipend' (okanye iThunyelwe imali kuMthengisi)"| Check["INGXAKI EXAMISEKILEYO YOKUBHENXA: Musa Ukuchitha Imali. Ndwendwela iSetyana leBhanki namhlanje ukuze uZixelile ngetshekhi yoMgunyathi"]
    Check --> Recall["Ukuba uthumele iZelle / ucingo / iNtlawulo yeKhadi: Cela uKukhumbula ubuqhophololo kwangoko kunye neFayile yamaPolisa + Ingxelo ye-IC3"]
    Recall --> Chex["Thintela ChexSystems / EWS Account Ukuvalwa Blacklisting ngokunikezela ngamaPolisa kunye neeNgxelo zeFTC kuMphathi weBhanki"]
    Vector -->|"2. Ngenisa iSSN, iLayisensi yokuqhuba, iPaspoti, okanye iifomu ze-W-4 / I-9"| ID["I-IDENTITY & TAX CRISIS: Friza i-Equifax, i-Experian, iTransUnion, i-ChexSystems kunye ne-NCTUE ngoko nangoko"]
    ID --> Gov["Tshixa i-SSN kwi-USCIS myE-Qinisekisa + Fumana i-IRS IP PIN (irs.gov/ippin) + Beka iliso kwiNdawo yokungaPhangeli kweSizwe"]
    Vector -->|"3. Unikiwe indlela yeBhanki kunye neNombolo ye-akhawunti (Itshekhi engasebenziyo) okanye iNgene kwiBhanki ngeLinki"| Bank["I-Account TAKEOVER CRISIS: Vala inombolo yeakhawunti yeBhanki eNcitshisiweyo kwaye uvule inombolo yeakhawunti entsha"]
    Vector -->|"4. I-Crypto / USDT ehlawulweyo ukuze 'uLungise iMisebenzi' okanye iFakelwe 'iSoftware yoMsebenzi'"| Tech["I-TECH & CRYPTO CRISIS: Yeka ukuHlawula 'IiRhafu zokurhoxisa' (Ukuxhelwa kweehagu) & Sula nayiphi na iDesk / Infostealer Malware"]

I-Anatomy ye-4 enkulu yemisebenzi ekude (kwaye kutheni amaxhoba ewa ngenxa yabo)¶

Abaqhathi bemisebenzi yangoku abazithumeli ii-imeyile ezingapelwanga kakuhle ukusuka kwiidilesi zewebhu zasimahla. Bakhangela iinkcazo zemisebenzi yokwenyani kwiinkampani ze-Fortune 500 kunye neziqalo ezisemthethweni, iiprofayili ze-LinkedIn ye-spoof, irejista yemimandla ebukekayo (careers-at-company.com), kwaye uqhube udliwano-ndlebe lweeyure ezininzi ngaphambi kokuqalisa umgibe.

Inqanaba loku-1: Uhlangulo olungxamisekileyo lwebhanki ukuba ubeke itshekhi yesixhobo somgunyathi¶

Ukuqonda indlela iibhanki eziyiphatha ngayo itshekhi yomgunyathi ebhampiweyo kubalulekile ekongeni imali yakho kunye nokukwazi kwakho ukubamba iakhawunti yebhanki kwixa elizayo.

Kutheni "Ibhalansi ekhoyo" ayithethi ukuba itshekhi isusiwe¶

Ngaphantsi kwe-US ** UMthetho wokuFumaneka kweeNgxowa-mali eziKhawuliweyo kunye ne-Federal Reserve Regulation CC (12 CFR § 229.10 - § 229.12)**, iibhanki zabathengi zifunwa ngokusemthethweni ukuba zenze i-225 yokuqala yeedola ukuya kwi-275 yeedola zediphozithi yetshekhi ekhoyo ngosuku olulandelayo lweshishini, kunye nentsalela yeetshekhi ezininzi zasekhaya (ingakumbi iitshekhi ze-cashier zomgunyathi okanye iitshekhi zenkampani) zifumaneke ngaphakathi **2 ukuya kwiintsuku ezi-5 zoshishino **. - Abaqhatha baprinta iitshekhi zomgunyathi besebenzisa indlela yequmrhu lokwenyani kunye neenombolo zeakhawunti ezibiwe kwiifayile zikawonke-wonke (ukuze inombolo yendlela iphumelele ukuqinisekiswa kwe-elektroniki), okanye batshintshe itshekhi ehlanjiweyo. - Xa itshekhi ifika kwibhanki yequmrhu elikhuphayo okanye iphicothwe yiCorporate Positive Pay 5 ukuya kwiintsuku zokusebenza ezili-14 kamva, ayihlonelwa kwaye ibuyiswe njenge "Inkohliso / etshintshiweyo / bhekisa kuMenzi". - Phantsi kwe Ikhowudi yoRhwebo efanayo (UCC § 4-214, Ilungelo lokubuyisela umva), ibhanki yakho inelungelo elipheleleyo elisemthethweni lokutsala i-\(3,500 epheleleyo okanye i-\)4,800 epheleleyo kwi-akhawunti yakho yokutshekisha ngephanyazo itshekhi igqabhuka, nokuba umthengisi webhanki ukuxelele ngoSuku lwesi-2 ukuba itshekhi "ikhangeleka ilungile kwaye isusiwe."

Iprotocol yeNyathelo ngeNyathelo esekwe kwindawo okhoyo kuyo kwiCheck Scam¶

Imeko A: Ubeke iCheke yoMgunyathi, kodwa awukathumeli nayiphi na imali okwangoku¶

Uyinqandile ilahleko yemali, kodwa iakhawunti yakho yebhanki isengozini yokuvalwa kwaye ifakwe kuluhlu olumnyama ngenxa yobuqhetseba betshekhi. Xa itshekhi yomgunyathi eyi-$3,500 igqabhuka, iinjini zomngcipheko zebhanki ezizenzekelayo (Early Warning Services / ChexSystems) akanakuxela ukuba ushicilele itshekhi yomgunyathi ukuze uqhathe ibhanki okanye uqhathwe ngunobuqhophololo emsebenzini. Ngaphandle kwesaziso esisebenzayo, iibhanki ezininzi zizenzela kwaye zivale iakhawunti yomthengi kwaye zifake i-negative EWS / ChexSystems ukungena ngobuqhophololo okukuthintela ekuvuleni i-akhawunti yokutshekisha kuyo nayiphi na ibhanki enkulu iminyaka emi-5 ukuya kwe-7. 1. **Shiya i-100% yemali yetshekhi ingafakwanga ** kwiakhawunti yakho ukuze ibhanki ikwazi ukuyibuyisela kakuhle xa igxuma. 2. Ngena kwisebe elibonakalayo okanye utsalele umnxeba iSebe lobuQhinga lebhanki yakho ngokukhawuleza (phambi kokuba itshekhi igqabhuke). 3. Cela umphathi wesebe okanye ingcali yobuqhophololo ukuba ibeke Inqaku lokuZichaza Ngexhoba lokuzithandela kwidiphozithi yetshekhi elindileyo: "Ndandijongwe sisigebenga sokukhangela ingqesho. Emva kokufaka itshekhi #[Number] ye-$[Isixa], umkhohlisi wandicela ukuba ndifake i-wire/Zelle imali kumthengisi we-hardware womgunyathi. ezo mali ukuze zibuyiswe xa itshekhi igqabhuka ngaphandle kokohlwaya ukuma kweakhawunti yam okanye ukundihlawulisa ngokuvalwa kwento yobuqhophololo." 4. Gcina igama kunye nesazisi somqeshwa sommeli webhanki kunye nenombolo yereferensi yetyala.

Imeko B: Sele uyithumele imali (ngeZelle, ucingo, iCash App, amakhadi esipho, okanye iCrypto) phambi kokuba itshekhi ihlawulwe.¶

Ibhalansi yeakhawunti yakho sele iza kwehla ngesixa esipheleleyo setshekhi yomgunyathi, nto leyo enokuthi ityhale iakhawunti yakho yokutshekisha amawaka eedola ibe imali esele itsalwe ngaphezulu engalunganga. 1. Fowunela iSebe lebhanki yakho loThintelo lobuQhinga kunye neLahleko phakathi kweyure: - Xela zombini itshekhi yomgunyathi engenayo kunye nokudluliselwa kobuqhophololo obuphumayo (Zelle, ucingo, ACH, okanye itransekshini yekhadi ledebhithi). - Ukuba uthe wathumela Ukudluliselwa kocingo lwasekhaya okanye lwaMazwe ngaMazwe kwiiyure ezidlulileyo ezingama-24 ukuya kwezingama-72, funa i-Emergency Wire Recall (uKukhunjuzwa kocingo olungxamisekileyo)SWIFT gpi Stop and Recall okanye Fedwire Fraud Recall)* kwaye ufake isikhalazo esingxamisekileyo ku-ic3.gov kulandela wethu I-imeyile yeshishini loshishino kwi-compromise kunye nesikhokelo sokukhumbula ubuqhetseba ngocingo. - Ukuba uthumele imali nge **Zelle, Venmo, okanye Cash App **, xela isiphatho somamkeli/inombolo yefowuni kuzo zombini ibhanki yakho kunye neSebe loBuqhophololo losetyenziso njenge-Intlawulo eGunyaziweyo yokutyhala (APP) Ubuqhophololo beNgqesho / Ubuqhophololo bobuqhophololo ukuze iakhawunti imeyile efumanayo ivalwe phambi kokuba umkhohlisi akhuphe imali. 2. Fayila i-FTC yokubiwa kwesazisi / ingxelo yobuqhophololo (IdentityTheft.gov & ReportFraud.ftc.gov) kunye neNgxelo yamaPolisa eNgingqi: - Yiza nezithombe zesikrini eziprintiweyo zeleta yomsebenzi womgunyathi, imiyalezo yomqashi, umfanekiso wetshekhi yomgunyathi (Ungaze upose umfanekiso wetshekhi yobuxoki ngeDiphozithi ephathwayo ukuba usenayo), kunye nemiyalelo yokudlulisa umthengisi kwisikhululo samapolisa sendawo yakho ukuze ufumane Inombolo yeNgxelo yeSiganeko sePolisa. 3. Thintela ChexSystems / Iinkonzo zokuQala isilumkiso (EWS) Uluhlu olumnyama kunye noThethathethwano ngeSicwangciso seMbuyiselo yoBunzima: - Yazisa iNgxelo yaMapolisa kunye ne Ngxelo yeFTC kumphathi wesebe kwibhanki yakho. - Buza ibhanki ngembalelwano: 1. Ungaxeleli iakhawunti yakho kuyo ChexSystems okanye Early Warning Services phantsi kwekhowudi ethi "Ubuqhetseba oburhanelwayo / i-Akhawunti Abuse" (kuba ulixhoba lolwaphulo-mthetho elibhaliweyo); 2. Ukurhoxisa i-ovadrafti kunye neentlawulo ezibuyiswayo zokutshekisha; kunye 3. Ukuguqula nayiphi na ibhalansi engalunganga evela kwintlawulo-umva ibe yinzala engenanzala 0% yeSicwangciso sokuBuyiselwa koBubunzima be-APR ngaphezulu kweenyanga ezi-6 ukuya kwezili-12 kunokuba uvale i-akhawunti yakho kwaye uyithumele kwiinkongozelo.

Inqanaba lesi-2: Yintoni omawuyenze ukuba unike abaqhathi bakho Form I-9, W-4, i-SSN, iPaspoti, iLayisensi yokuqhuba, okanye inombolo yeakhawunti yeBhanki¶

Kwimisebenzi emininzi yomgunyathi ekude, akukho tshekhi yobuxoki konke konke: yonke injongo yodliwano-ndlebe olungeyonyani kunye "neLeta yokunikezela" kukukuqhatha ukuba ugcwalise "Ipakethi yokukhwela i-HR" eneNombolo yakho yoKhuseleko lweNtlalo.SSN)**, Umhla woKubeleka, Igama likaMama eliyintombi, Iphepha-mvume lokuqhuba / iskena sePaspoti, kunye Nediphozithi eNgqongileyo kunye neeNombolo zeAkhawunti. Yenza olu luhlu lwamanqaku asi-7 ngokukhawuleza:

1. Vala i-akhawunti yakho yeBhanki eChithiweyo (ukuba unikezele ngetshekhi engasebenziyo okanye uxwebhu lwediphozithi ethe ngqo)¶

Umgangatho oqhelekileyo wase-US Ifomu yoGunyaziso lweDiphozithi eNgqo okanye i-Voided Check* iveza inombolo yakho enamanani ali-9 ABA iNombolo yokuJonga, yakho epheleleyo iNombolo yeAkhawunti yokuKhangela, kunye notyikityo lwakho. - Ngokungafaniyo namakhadi ebhanki, i-US Automated Clearing House (ACH) inethwekhi ivumela nawuphi na umrhwebi, iprosesa yomvuzo, okanye umhlawuli onendlela yakho kunye nenombolo yeakhawunti ukuba aqalise ACH Debit Tsala ngaphandle kweakhawunti yakho, okanye ivumela izaphuli mthetho ukuba ziprinte iitshekhi zephepha lomgunyathi MICR i-inki izotywe ngqo kwi-akhawunti yakho. - Musa ukucela nje ibhanki yakho ukuba "ibukele" i-akhawunti: Yalela ibhanki yakho ukuba ivale ngokusisigxina inombolo ye-akhawunti yetshekhi/yokonga kwaye uvule inombolo ye-akhawunti entsha brand** (ukudlulisela ibhalansi yakho esemthethweni uze uvale "ukugqithisela ngokuzenzekela kwe-ACH debits" kwinombolo ye-akhawunti endala evaliweyo).

2. Susa zonke ezi-3 iiBhanki zeTyala kwiLizwe lonke KUNYE neeBhanki eziKhethekileyo¶

Nge-SSN yakho, Umhla wokuzalwa, kunye nesisombululo esiphezulu seLayisensi yakho yokuqhuba okanye iPaspoti, abaphuli-mthetho banokudlula phantse kuyo nayiphi na ibhanki ekwi-intanethi okanye umbolekisi. KYC (Yazi uMthengi wakho) khangela. Mkhenkce zontlanu ezi bureau namhlanje (100% simahla ngumthetho federal phantsi 15 U.S.C. § 1681c-1): 1. Equifax: equifax.com/personal/credit-report-services/credit-freeze/ (1-888-298-0045) 2. Umchwephesha: experian.com/freeze/center.html (1-888-397-3742) 3. TransUnion: transunion.com/credit-freeze (1-800-916-8800) 4. Ii-ChexSystems (UkuJonga kunye nokuVulwa kweAkhawunti yoGcino): chexsystems.com -> Beka uMkhenkce woKhuseleko (1-800-428-9623). I-Freezing ChexSystems ithintela abaphuli-mthetho ekusebenziseni ifoto yakho yeLayisensi yoMqhubi kunye ne-SSN ukuze bavule ii-akhawunti zokukhangela ubuqhetseba kwi-intanethi (ezifana ne-Chime, i-SoFi, i-Ally, okanye i-akhawunti ye-Chase) egameni lakho ukuhlamba imali. 5. NCTUE (iNational Consumer Telecom & Utility Exchange): nctue.com (1-866-349-5355) ukuyekisa abakwa-scammers ekuxhaseni ngemali ii-iPhones kunye neeselfowuni phantsi kwe-SSN yakho.

3. Vula myE-Verify Self Lock Ukuvala uMsebenzi ongagunyaziswanga phantsi kweSSN yakho¶

Xa unikezela ngesigqibo esigqityiweyo USCIS Form I-9 (UQinisekiso loLungelo lokuLungela iNgqesho) kunye neefoto zakho zoLuhlu A** (iPasipoti yase-US) okanye uLuhlu B + Uluhlu C (iLayisenisi yomqhubi + iKhadi loKhuseleko lweNtlalo elingathintelwanga) amaxwebhu, iibroker zewebhu ezimnyama zithengisa kanye oko "kuqinisekisiweyo I-9 bundle" kubantu abangakwaziyo ukusebenza ngokusemthethweni phantsi kwesazisi sabo. Ukuba umntu usebenzisa yakho I-9 inqwaba ukuze bafumane umsebenzi, umqeshi wabo uya kuxela amashumi amawaka eedola W-2 okanye 1099 umvuzo kwi-IRS phantsi kweNombolo yakho yoKhuseleko lweNtlalo, ebangela uphicotho lwerhafu ye-IRS kunye namatyala erhafu angemva kuwe. - Yiya kwiSebe elisemthethweni lase-US loKhuseleko lweLizwe / i-USCIS portal e-*myeverify.uscis.gov**. - Yenza iakhawunti yakho yobuqu, uphumelele isazisi, kwaye uvule Self Lock. - Kanye Isitshixo sokuSelf siyasebenza, ukuba nabani na uzama ukusebenzisa iNombolo yakho yoKhuseleko lweNtlalo ukuze aphumelele E-Verify isheke lengqesho kuwo nawuphi na umqeshi wase-US othatha inxaxheba, inkqubo ivalela kwangoko umdlalo nge Tentative Nonconfirmation (Mismatch) kwaye uyakwazisa. (Nanini na xa uqala umsebenzi wokwenyani ngokwakho, unokuvula okwethutyana Self Lock kwimizuzwana engama-30).

4. Fumana i IRS Identity Protection PIN (IP PIN) kunye neFayile Form 14039¶

Ibiwe Form W-4 + SSN ivumela abaphuli-mthetho ukuba bafake imbuyekezo yerhafu yokuqala yomgunyathi ngoJanuwari ukuze babe imbuyekezo yakho yerhafu, okanye bakuncamathele ngeerhafu ezingahlawulwanga kwi-phantom. W-2 / 1099-NEC umvuzo. 1. Yiya ku irs.gov/ippin kwaye ubhalise kwi-PIN yokuKhusela isazisi se-IRS (IP PIN)** inkqubo. 2. I-IRS iya kuvelisa ngoko nangoko imfihlo ** amadijithi ama-6 IP PIN. Xa sele ibhalisiwe, ** iikhomputha ze-IRS ziya kwala nayiphi na i-elektroniki okanye iphepha Form 1040 imbuyekezo yerhafu efakwe phantsi kweNombolo yakho yoKhuseleko lweNtlalo engaquki i-PIN eyimfihlo enamanani ama-6. 3. Ukuba ufumana umvuzo ongagunyaziswanga oxelwe phantsi kweSSN yakho, khangela iRekhodi yakho yeMvuzo yoKhuseleko loLuntu** e-ssa.gov/myaccount kwaye ungenise IRS Form 14039 (I-Identity Theft Afidavithi) kwi-intanethi nge IdentityTheft.gov.

5. Qwalasela kwaye utshixe i-Inshurensi yelizwe lakho lokungaPhangeli (UI) Portal¶

Ibiwe I-9 kwaye W-4 iipakethi zizibaso ezi-#1 ze-I-Inshurensi yokungaSebenzi kukaRhulumente (UI) Ubuqhophololo bobumenemene* (apho abakhohlisi bafaka iifayile zeenzuzo zeveki zokungaphangeli egameni lakho besebenzisa iSSN yakho, umhla wokuzalwa, kunye nembali yangaphambili yomqeshi ukusuka kwi-resume yakho). - Yiya kwiwebhusayithi yakho yeSebe lezaBasebenzi / iArhente yezaBasebenzi NAMHLANJE. - Bhalisa eyakho iprofayile yobango lwe-Inshurensi yokungaphangeli esemthethweni (nokuba akunanjongo yokubanga izibonelelo) usebenzisa iMulti-Factor Authentication eyomeleleyo (MFA) ke umkhohlisi akanakubhalisa iakhawunti phantsi kweSSN yakho kuqala. - Ukuba i-portal karhulumente ithi "I-akhawunti sele ikhona kule Nombolo yoKhuseleko lwezeNtlalo", faka ngokukhawuleza Ingxelo yobusela ye-State Unemployment Identity kwi-portal yobuqhophololo ye-arhente karhulumente ukuze ungafumani ubuqhophololo IRS Form 1099-G ngezibonelelo ongazange uziqokelele.

6. Iflegi okanye ufake enye indawo yeLayisensi yakho yokuqhuba kunye nePaspoti¶

Kuba ulayishe iskena sombala esicacileyo seLayisensi yakho yokuQhuba okanye iPasipoti (kwaye mhlawumbi ne "liveness selfie"), abaphuli-mthetho banokusebenzisa loo mifanekiso ukuze bagqithise iitshekhi zesazisi ezikude okanye baprinte ii-ID zomgunyathi zomgangatho ophezulu: - Iphepha-mvume lokuqhuba: Faka ifayile yendawo yakho iNgxelo yamaPolisa edwelisa ukuchaneka kwenombolo yakho yeLayisensi yokuQhuba, kwaye uqhagamshelane nelizwe lakho ISebe leZithuthi (iSebe leZithuthi) (DMV) IYunithi yobuqhophololo ukubeka iflegi yobuqhophololo kwirekhodi yakho yelayisenisi (okanye ucele ilayisenisi endaweni entsha ngophicotho olutsha/inombolo yocalucalulo DD). - Ipaspoti: Ukuba uthumele kuphela ifotokopi/ifoto yephepha lakho lolwazi lwepaspoti (kwaye usabambe incwadi yakho yepaspoti esandleni sakho), akunyanzelekanga ukuba urhoxise incwadana yakho yokundwendwela ngaphandle kokuba uyalelwe lunyanzeliso lomthetho, kodwa ukuba incwadana yakho yokundwendwela ithunyelwe ngeposi okanye ufuna ukuyenza ingasebenzi inombolo yakho yokundwendwela. I-9 scan ngoko ke iyasilela ngokuzenzekela DHS ukutshekishwa kwenombolo yoxwebhu, unganika ingxelo yokuba incwadana yokundwendwela ichaphazelekile kwaye ufake isicelo sencwadi etshintshileyo ngenombolo entsha kraca yepasi ngoku travel.state.gov (eUnited States), i-HM Passport Office (eUnited Kingdom), okanye iPaspoti yaseKhanada.

Ukuqinisekisa njani ukuba umsebenzi othe kratya uwunyani okanye ubuqhophololo ngaphantsi kwemizuzu emi-3¶

Phambi kokuba ulayishe isazisi okanye wamkele ileta yonikezelo, vavanya umqeshi ngokubhekisele kule 7 Imithetho engaxoxisiyo yokuQesha ngokusemthethweni:

Khuphela-kwaye-Uncamathisele iskripthi: Isaziso esiBhaliweyo kwiBhanki yakho emva kweDipozithi yokuJonga iFake¶

Ukuba isixhobo sokujonga isixhobo somgunyathi siye sagqabhuka (okanye sele siza kubetha) kwaye ufuna ukukhusela i-akhawunti yakho yokutshekisha ukuba ingavalwa kwaye ixelwe kakubi ChexSystems okanye IiNkonzo zokuQala zokulumkisa (EWS), hambisa ngesandla ikopi yesi sitatimende esayiniweyo (neNgxelo yakho yamaPolisa kunye neNgxelo yeFTC eqhotyoshelwe) kumphathi wesebe lebhanki yakho kwaye uyifake kwiphothali yebango lobuqhetseba yebhanki yakho:

[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

Imibuzo edla ngokubuzwa¶

Kwakutheni ukuze ibhanki yam indixelele ukuba itshekhi yomsebenzi “icinyiwe” ukuba ibiyeyomgunyathi?¶

Xa umthengisi webhanki okanye i-app yebhanki ephathwayo ibonisa ukuba imali yetshekhi edipozithiweyo Iyafumaneka emva kweentsuku ezi-1 ukuya kwezi-2 zomsebenzi, oko akuthethi ukuba itshekhi iyicimile ibhanki ekhuphayo okanye ingqinisiswe njengeyokwenene. Ngaphantsi kwe-US Expedited Funds Availability Act (Federal Reserve Regulation CC, 12 CFR Part 229), iibhanki zifunwa ngumthetho we-federal ukukhulula imali yethutyana kubathengi phakathi kwe-1 ukuya kwiintsuku ze-2 zokusebenza, ixesha elide ngaphambi kokuba itshekhi igqibe umjikelo we-5-to-14-day interbank clearinghouse cycle. Abaqhatha bezengqesho baxhaphaza lo msantsa weentsuku ezininzi ukukuqhatha ekufakeni ucingo okanye ekuthumeleni imali yokwenyani ngaphandle kweakhawunti yakho phambi kokuba itshekhi yomgunyathi iqhume kwaye ibhanki yakho ibuyise ikhredithi yethutyana phantsi kweKhowudi yoRhwebo efanayo yeCandelo 4-214.

Ngaba ndingaya entolongweni okanye ndimangalelwe ukuba ndifake itshekhi yomgunyathi kumntu oqhatha umsebenzi?¶

Ukuba ukhohliswe ngumkhohlisi womsebenzi, usebenzisane kwangoko nebhanki yakho, kwaye wafaka iNgxelo yamaPolisa kunye neNgxelo ye-FTC ye-Identity Theft, ulixhoba lolwaphulo-mthetho kunokuba umenzi wobubi kwaye awuyi kujongana nokutshutshiswa kolwaphulo-mthetho ngenxa nje yokukhohliswa ekufakeni itshekhi enye yobuxoki. Nangona kunjalo, phantsi kwemithetho yebhanki ye-Uniform Commercial Code, uhlala unoxanduva loluntu kunye nezezimali kwibhanki yakho yokubuyisela nayiphi na imali oyikhiphileyo okanye ethunyelwe ngaphandle ngaphambi kokuba itshekhi yomgunyathi ihlawulwe, kwaye kufuneka uyeke ukwamkela okanye ukuthumela ezinye iitshekhi, ukudluliselwa, okanye iipakethi ukuze ungenzi njenge-imeyile yemali.

Ndiyitshixa njani iNombolo yam yoKhuseleko lweNtlalo ukuze kungabikho mntu usebenzisa iFomu yam I-9 ebiweyo ukufumana umsebenzi?¶

Yenza i-akhawunti yobuqu yasimahla kwiSebe laseMelika loKhuseleko lweLizwe kunye ne-USCIS myE-Qinisekisa i-portal (myeverify.uscis.gov) kwaye wenze into ebizwa ngokuba yi-Self Lock. Xa Self Lock ivuliwe, ukuba nawuphi na umkhohlisi uzama ukusebenzisa Inombolo yakho yoKhuseleko lweNtlalo kwiFom I-9 kwi E-Qinisekisa umqeshi, inkqubo iibhloko itshekhi ugunyaziso lwengqesho kwaye ikwazisa; kufuneka kwakhona ufumane i-PIN yoKhuseleko lwe-IRS enamanani ama-6 ku-irs.gov/ippin kwaye umise iifayile zakho zetyala e-Equifax, Experian, TransUnion, kunye ne-ChexSystems.

Imithombo ijongiwe¶

• IKomishoni yoRhwebo yoMdibaniso (FTC, eUnited States): Ubuqhophololo boMsebenzi, ubuqhophololo boHlolo lokuFumana ngeNtlawulo eFake, kunye IdentityTheft.gov IiProtokholi zokuBuyisa ubusela bokubiwa kwesazisi seNgqesho.
• IBhodi yeeRhuluneli ze-Federal Reserve System kunye ne-Ofisi yoMlawuli weMali (OCC): Umgaqo CC (12 CFR Part 229, Ubukho beNgxowa-mali kunye nokuqokelelwa kweetshekhi) kunye neKhowudi yoRhwebo efanayo (UCC § 4-214) Imigaqo yeTyala yeThutyana yokuBuyiselwa kweTyala.
• Federal Bureau of Investigation (FBI) Iziko leZikhalazo zoLwaphulo-mthetho kwi-Intanethi (IC3): *Izilumkiso ze-PSA malunga neSixhobo sokuSebenza-eKhaya-ngeKhaya loBuqhetseba, i-Cryptocurrency Task Optimization Employment Scams, kunye ne-Money Mule Recruitment *.
• Iinkonzo zabemi base-US kunye nokuFudukela (USCIS / iSebe loKhuseleko lweLizwe): myE-Verify Inkqubo yokuZitshixa yokuKhusela iinombolo zoKhuseleko lweNtlalo ngokuchasene nokungagunyaziswanga Form I-9 Ubuqhophololo kwiNgqesho.
• Inkonzo yeNgeniso yangaphakathi (IRS, eUnited States): I-PIN yoKhuseleko lwesazisi (IP PINUbhaliso (irs.gov/ippin) kunye nokubiwa kwesazisi esinxulumene neNgqesho (Form 14039) Ulungiso.

Izikhokelo ezinxulumeneyo¶

• Impendulo yokophulwa kwedatha, amagama ayimfihlo avuzayo, kunye nokumiswa kwetyala
• Corporate ishishini email compromise (BEC) kunye wire fraud khumbula
• I-Cryptocurrency wallet drain, ibinzana lembewu elilalanisayo, kunye nokurhoxisa ukuvunywa
• I-Malware, i-ransomware, kunye nokususwa kosulelo lwe-spyware
• Amanani kaxakeka ngokwelizwe