Ipese Iṣẹ Latọna jijin Ipese Awọn itanjẹ, Ṣiṣayẹwo Ohun elo Ẹtan, ati ole Idamọ I-9¶

Gbigba iṣẹ iṣẹ latọna jijin lẹhin ifọrọwanilẹnuwo ti o da lori ọrọ lori Awọn ẹgbẹ Microsoft, Telegram, Signal, tabi WhatsApp, atẹle nipasẹ awọn itọnisọna lati ṣafipamọ $ 3,500 “ṣayẹwo ohun elo ọfiisi ile” nipasẹ ohun elo ile-ifowopamọ alagbeka ati okun waya tabi owo Zelle si “olutaja ti a fọwọsi” fun MacBook ile-iṣẹ kan ati awọn iwe-aṣẹ sọfitiwia, tabi mimọ ni kete lẹhin gbigbe kaadi Awujọ Awujọ rẹ, iwe-aṣẹ awakọ, iwe irinna ti o gba iwe-aṣẹ, iwe-aṣẹ ọkọ oju-irin, iwe irinna, ati gbigba iwe aṣẹ taara jẹ ẹlẹtan, jẹ idaamu owo meji ati idanimọ. Gẹgẹbi Igbimọ Iṣowo Federal ti AMẸRIKA (FTC) ati Ile-iṣẹ Ẹdun Ilufin Ayelujara ti FBI (IC3), oojọ ati awọn itanjẹ iṣẹ-ṣiṣe ni o wa laarin awọn ẹtan owo-owo ti o nyara kiakia ni agbaye nitori pe wọn lo nilokulo awọn ailagbara meji ni ẹẹkan: ** 1. ** Awọn ofin ile-ifowopamọ ti ijọba apapo (** Ilana CC / Ilana wiwa Awọn inawo Ijaja ) fi agbara mu banki rẹ lati jẹ ki awọn owo ayẹwo ti o gbasilẹ wo “wa” ni iwọntunwọnsi rẹ laarin awọn wakati 24 si 5. lati agbesoke nipasẹ awọn Federal Reserve clearinghouse, nlọ ti o tikalararẹ oniduro fun gbogbo dola ti o ranṣẹ si awọn fake ataja awọn scammer; ati ** 2. iro Form I-9 ati Form W-4 lori awọn apo-iwe ti o fun ni awọn akojọpọ ilufin ti o ṣeto ohun gbogbo ti o nilo lati ṣii awọn akọọlẹ banki, awọn ipadabọ owo-ori arekereke faili, jija awọn anfani alainiṣẹ, ati owo ifọṣọ ni orukọ rẹ.

Ti ete itanjẹ iṣẹ ba jẹ awọn irokeke ti ara, ilọkuro, tabi ẹnikan ti o de ile rẹ lati gba owo tabi awọn idii, pe nọmba pajawiri ti agbegbe rẹ (911 ni Ilu Amẹrika ati Kanada, 112 jakejado European Union, 999 ni United Kingdom) tabi ṣayẹwo wa liana ti okeere pajawiri awọn nọmba lẹsẹkẹsẹ. Fun gbogbo awọn ọran ti ohun elo iro ṣayẹwo awọn ohun idogo, cryptocurrency “iṣapeye iṣẹ-ṣiṣe” awọn itanjẹ iṣẹ, tabi gbogun I-9 / W-4 awọn iwe aṣẹ lori wiwọ, ṣiṣẹ awọn igbesẹ ti o ni ibajẹ ni isalẹ lẹsẹkẹsẹ.

Ṣe eyi ni bayi¶

1. ** MAA ṢE firanṣẹ, waya, Zelle, Venmo, ra awọn kaadi ẹbun, tabi gbe dola kan lati eyikeyi “ayẹwo ohun elo ọfiisi ile”**: Ko si agbanisiṣẹ abẹfẹlẹ ni agbaye ti yoo firanṣẹ tabi fi imeeli ranṣẹ si ọ ayẹwo lati fi sinu akọọlẹ banki ti ara ẹni ati sọ fun ọ lati gbe owo lọ si olutaja ohun elo ẹnikẹta nipasẹ Zelle, Ohun elo Cash, Venmo, gbigbe waya, Bitcoin ATM, tabi awọn kaadi ẹbun. Paapaa ti ohun elo ile-ifowopamọ rẹ ba fihan ayẹwo $ 3,500 tabi $ 4,800 bi “Iwọntunwọnsi Pipa / Wa”, sọwedowo jẹ ** iro tabi ayẹwo iyipada ** ti yoo agbesoke ni awọn ọjọ 5 si 14, piparẹ akọọlẹ rẹ sinu iwọntunwọnsi odi.
2. **Ti o ba ti fi ohun elo ayederu sọwedowo tẹlẹ silẹ, pe Ẹka Iwa-iwa-iwa-iwadii ti banki rẹ ni eniyan loni ṣaaju ki o to bounces **: Maṣe fi ọwọ kan tabi lo awọn owo ti a ka. Rin sinu ẹka ile ifowo pamo ti ara (tabi pe Ẹka Fraud lori ẹhin kaadi debiti rẹ) ki o sọ ni kedere: * “Mo jẹ olufaragba ti ẹtan iṣẹ isakoṣo latọna jijin kan ti a nṣe ayẹwo itanjẹ. Ayẹwo ti Mo fi silẹ ni [Ọjọ] fun $[Iye] ni a pese nipasẹ ẹlẹtan oojọ kan. Jọwọ fi ami si bi ẹni ti o fura si ayẹwo iro ni kete ki akọọlẹ mi ko ni pipade fun ayẹwo jegudujera tabi royin Awọn iṣẹ Ijabọ ni kutukutu ati ChexS.EWS)"
3. ** Ti o ba fun scammer ni “Ṣayẹwo Sofo” tabi Nọmba Ifipamọ Banki rẹ & Nọmba Account fun “Idogo Taara”, pa akọọlẹ banki yẹn loni ***: Awọn ẹlẹṣẹ ko beere fun ipa-ọna ati nọmba akọọlẹ lori fọọmu idogo taara iro lati sanwo fun ọ; wọn lo awọn nọmba wọnyẹn lati bẹrẹ ** arekereke ACH debit fa ***, tẹ awọn sọwedowo iro iwe ti a fa lori akọọlẹ rẹ, tabi lo akọọlẹ ayẹwo rẹ bi owo-mule ju silẹ. Jẹ ki banki rẹ tii nọmba akọọlẹ ti o gbogun ki o ṣii nọmba akọọlẹ tuntun kan.
4. **Ti o ba gbe Nọmba Aabo Awujọ rẹ ṣe (SSN), Iwe-aṣẹ Awakọ, tabi Iwe irinna lori iro Form I-9 / W-4, di gbogbo awọn bureaus kirẹditi 3 ATI Awọn eto Chex lẹsẹkẹsẹ ***: Fi silẹ lẹsẹkẹsẹ, Didi Aabo ọfẹ ni ** Equifax, Experian, ati TransUnion ** (ati didi ile-ifowopamọ ni ** ChexSystems ***) ni atẹle wa esi data csin ati ọrọigbaniwọle jo guide nitorinaa awọn ẹlẹtan ko le ṣii awọn kaadi kirẹditi, awọn awin adaṣe, tabi awọn akọọlẹ ṣayẹwo fintech nipa lilo selfie iwe-aṣẹ awakọ rẹ ati SSN.
5. ** Tii nọmba Aabo Awujọ rẹ ni E-Verify (myE-Verify Self Lock) ati gba ohun IRS Identity Protection PIN (IP PIN)**: Nitori oojọ scammers resell ji I-9 awọn idii (SSN + ID Fọto) lori oju opo wẹẹbu dudu fun iṣẹ laigba aṣẹ ati jibiti agbapada owo-ori, wọle myeverify.uscis.gov lati mu ṣiṣẹ Titiipa ti arẹni ** (dinamọ ẹnikẹni lati lo SSN rẹ lati kọja ohun E-Verify ṣayẹwo iṣẹ) ati lọ si irs.gov/ippin lati gba oni-nọmba 6 ** PIN Idaabobo Idanimọ IRS *** nitorinaa ko si ọdaràn le ṣe faili ipadabọ owo-ori ni orukọ rẹ.
6. ** Ti agbanisiṣẹ ba beere lọwọ rẹ lati fi “sọfitiwia ibojuwo iṣẹ latọna jijin” sori ẹrọ (AnyDesk, TeamViewer, ScreenConnect, tabi aṣa .exe/.dmg Iwe afọwọkọ), ge asopọ kọmputa rẹ lati Wi-Fi lẹsẹkẹsẹ ***: Iro IT lori wiwọ ati awọn idanwo ifaminsi iro nigbagbogbo fi Trojans Wiwọle Latọna sori ẹrọ (RATs) tabi infostealer malware ti o ji kukisi aṣawakiri rẹ ati awọn apamọwọ crypto. Ya sọtọ awọn kọmputa ki o si tẹle wa malware, ransomware, ati spyware itọsọna ikolu.

Igi ipinnu: ipin nipasẹ ipele wo ni itanjẹ iṣẹ waye¶

Awọn ero iṣẹ oojọ ṣiṣẹ kọja awọn eegun ikọlu akọkọ mẹrin. Tẹle apẹrẹ ṣiṣan ipin yii da lori ohun ti o pin tabi fi silẹ:

flowchart TD
    Start["Ipese Iṣẹ Latọna jijin ti o daju tabi Agbanisiṣẹ jẹ ete itanjẹ"] --> Vector{"Awọn iṣe wo ni o waye lakoko ifọrọwanilẹnuwo tabi lori ọkọ?"}
    Vector -->|"1. Fi owo silẹ 'Awọn ohun elo / Ṣayẹwo Iduro' (tabi Ti Fi Owo ranṣẹ si Olutaja)"| Check["IJỌ IFỌWỌRỌ IFỌWỌWỌ RẸ: Maṣe Nawo Owo. Ṣabẹwo Ẹka Banki Loni lati Ṣayẹwo Ijabọ Ara-ẹni"]
    Check --> Recall["Ti O Firanṣẹ Zelle / Waya / Sisanwo Kaadi: Beere Ipesilẹ Iwajẹ Lẹsẹkẹsẹ & Ọlọpa Faili + Ijabọ IC3"]
    Recall --> Chex["Ṣe idilọwọ Awọn eto ChexSystems / Titiipa Akọọlẹ EWS Titako Blacklist nipasẹ Ṣiṣafihan ọlọpa & Awọn ijabọ FTC si Alakoso Ile-ifowopamọ"]
    Vector -->|"2. SSN ti a fi silẹ, Iwe-aṣẹ Awakọ, Iwe irinna, tabi awọn fọọmu W-4 / I-9"| ID["Ìdámọ̀ & ARÁRÀN TAX: Di Equifax, Experian, TransUnion, ChexSystems & NCTUE Lẹsẹkẹsẹ"]
    ID --> Gov["Tii SSN lori USCIS myE-Verify + Gba IRS IP PIN (irs.gov/ippin) + Bojuto Portal Alainiṣẹ ti Ipinle"]
    Vector -->|"3. Fun Bank Routing & Account Number (Voided Check) tabi Wọle sinu Bank nipasẹ Ọna asopọ"| Bank["AWỌRỌ NIPA AKỌỌTỌ: Pade Nọmba Akaunti Ile-ifowopamọ Ti Ijẹgunnu & Ṣii Nọmba Akọọlẹ Tuntun"]
    Vector -->|"4. San Crypto / USDT si 'Mu awọn iṣẹ-ṣiṣe ṣiṣẹ' tabi Fi sori ẹrọ 'Software Iṣẹ'"| Tech["TECH & CRYPTO CRISIS: Duro Sisanwo 'Awọn owo-ori yiyọ kuro' (Pig Butchering) & Mu ese EyikeyiDesk / Infostealer Malware"]

Anatomi ti awọn itanjẹ iṣẹ jijin 4 pataki (ati idi ti awọn olufaragba ṣubu fun wọn)¶

Awọn onijagidijagan iṣẹ ode oni ko firanṣẹ awọn imeeli ti ko tọ lati awọn adirẹsi webi wẹẹbu ọfẹ. Wọn pa awọn apejuwe iṣẹ gidi kuro lati awọn ile-iṣẹ Fortune 500 ati awọn ibẹrẹ ti o tọ, awọn profaili LinkedIn alaṣẹ, forukọsilẹ awọn ibugbe ti o dabi (careers-at-company.com), ki o si ṣe awọn ifọrọwanilẹnuwo-wakati pupọ ṣaaju ki o to rudurudu pakute naa.

Ipele 1: Igbala ile-ifowopamọ pajawiri ti o ba ṣe ayẹwo ohun elo iro kan¶

Loye bi awọn ile-ifowopamọ ṣe tọju ayẹwo iro bounced ṣe pataki si fifipamọ owo rẹ ati agbara rẹ lati di akọọlẹ banki kan ni ọjọ iwaju.

Kini idi ti “Iwọntunwọnsi ti o wa” Ko tumọ si Ṣayẹwo ti paarẹ¶

Labẹ AMẸRIKA ** Ofin Wiwa Awọn inawo Ikilọ ati Ilana Reserve Federal CC (12 CFR § 229.10 - § 229.12***, awọn ile-ifowopamọ olumulo ni a nilo labẹ ofin lati ṣe $225 akọkọ si $275 ti idogo ayẹwo kan wa ni ọjọ iṣowo ti nbọ, ati iyoku ti ọpọlọpọ awọn sọwedowo inu ile (paapaa awọn sọwedowo cashier iro tabi awọn sọwedowo ile-iṣẹ) wa laarin awọn ọjọ iṣowo 2 si 5 . - Scammers tẹjade awọn sọwedowo ayederu nipa lilo ipa ọna ile-iṣẹ gidi kan ati awọn nọmba akọọlẹ ti wọn ji lati awọn iforukọsilẹ ti gbogbo eniyan (nitorinaa nọmba ipa-ọna kọja ijẹrisi itanna akọkọ), tabi wọn paarọ sọwedowo fifọ. - Nigbati ayẹwo naa ba de ile-ifowopamọ ile-iṣẹ ti o funni tabi ti ṣayẹwo nipasẹ isanwo rere ti ile-iṣẹ 5 si awọn ọjọ iṣowo 14 nigbamii, o jẹ aibikita ati pada bi “Areti / Yipada / Tọkasi Ẹlẹda”. - Labẹ ** koodu Iṣowo Aṣọkan (UCC § 4-214, Right of Charge-Back), banki rẹ ni ẹtọ ofin pipe lati yọkuro $3,500 tabi $4,800 ni kikun pada kuro ninu akọọlẹ iṣayẹwo rẹ ni kete ti ayẹwo naa bounces, paapaa ti oluṣowo banki kan ba sọ fun ọ ni Ọjọ 2 pe ayẹwo naa “dara ati pe o ti sọ di mimọ.”

Ilana Igbesẹ-Igbese ti o da lori Ibi ti o wa ninu Ṣayẹwo itanjẹ¶

Oju iṣẹlẹ A: O Fi Iṣayẹwo Iro naa Fipamọ, Ṣugbọn Ko Tii Firanṣẹ Owo Kan Sibẹ¶

O ti yago fun ipadanu owo, ** ṣugbọn akọọlẹ banki rẹ wa ninu ewu lẹsẹkẹsẹ ti pipade ati atokọ dudu fun ẹtan ayẹwo **. Nigbati ayẹwo ahọn $3,500 bounces, awọn ẹrọ eewu banki adaṣe adaṣe (Early Warning Services / ChexSystems) ko le sọ boya iwọ tẹ sọwedowo iro lati tan banki jẹ tabi ti o jẹ ẹtan nipasẹ apanirun iṣẹ. Laisi ifitonileti ti nṣiṣe lọwọ, ọpọlọpọ awọn ile-ifowopamọ didi laifọwọyi ati tii akọọlẹ alabara ati faili odi EWS / ChexSystems titẹsi jegudujera ti o ṣe idiwọ fun ọ lati ṣii akọọlẹ ayẹwo ni eyikeyi banki pataki fun ọdun 5 si 7. 1. ** Fi 100% ti iye ayẹwo silẹ laifọwọkan *** sinu akọọlẹ rẹ ki ile-ifowopamosi le fa a pada laisiyonu nigbati o bounces. 2. ** Rin sinu ẹka ti ara tabi pe Ẹka Jibiti ti banki rẹ lẹsẹkẹsẹ *** (ṣaaju ki ayẹwo bounces). 3. Beere lọwọ oluṣakoso ẹka tabi alamọja jibiti lati fi ** Akọsilẹ Ijabọ Ara ẹni Olufaragba atinuwa *** lori idogo owo isunmọtosi: * “Mo ni ifọkansi nipasẹ ete itanjẹ ayẹwo iṣẹ kan. Lẹhin fifipamọ ayẹwo #[Number] fun $[Iye], scammer naa beere lọwọ mi lati waya / Zelle awọn owo naa si ataja iro kan. Mo rii pe o jẹ scam kan ati pe Mo ni scam NOT ti o fi ọwọ kan si ile-ifowopamosi kan, Mo fẹ fi ọwọ kan scam kan. awọn owo wọnyẹn ki wọn ba le da wọn pada nigbati sọwedowo naa bounces laisi ijiya akọọlẹ akọọlẹ mi ti o duro tabi gba agbara fun mi ni pipade jibiti nkan ti o pada.” 4. Fi orukọ pamọ ati ID oṣiṣẹ ti aṣoju banki ati nọmba itọkasi ọran naa.

Oju iṣẹlẹ B: O Ti Fi Owo ranṣẹ (nipasẹ Zelle, Waya, Ohun elo Cash, Awọn kaadi ẹbun, tabi Crypto) Ṣaaju ki o to bounced Ṣayẹwo naa¶

Iwontunwonsi akọọlẹ rẹ ti fẹrẹ lọ silẹ nipasẹ iye kikun ti sọwedowo ayederu, eyiti yoo ṣee ṣe Titari akọọlẹ iṣayẹwo rẹ ẹgbẹẹgbẹrun awọn dọla sinu iwọntunwọnsi aibikita **. 1. **Pe Ẹka Idena Ijabọ ati Ipadanu ti banki rẹ laarin wakati naa ***: - Jabọ mejeeji ** ṣayẹwo iro iro ti nwọle *** ati gbigbe gbigbe arekereke ti njade *** (Zelle, waya, ACH, tabi idunadura kaadi debiti). - Ti o ba firanṣẹ Igbelegbe tabi Gbigbe Waya Kariaye *** laarin awọn wakati 24 si 72 to kọja, beere lẹsẹkẹsẹ ** Ipesilẹ Waya Pajawiri (SWIFT gpi Stop and Recall tabi Fedwire Fraud Recall) ki o fi ẹsun kan ni kiakia ni ic3.gov tẹle wa ajọ imeeli owo adehun ati waya jegudujera ÌRÁNTÍ Itọsọna. - Ti o ba fi owo ranṣẹ nipasẹ *Zelle, Venmo, tabi Ohun elo Cash ***, jabo imudani olugba / nọmba foonu si banki rẹ mejeeji ati Ẹka Isanwo ti ohun eloisanwo gẹgẹbi isanwo Titari Ti Aṣẹ (klwxh:0023) Itanjẹ oojọ / Jibiti apanilẹrin norinaa akọọlẹ mule gbigba le di aotoju ṣaaju ki o to owo scammer jade. 2. Ṣfaili ole idanimọ FTC kan / Ijabọ ẹtan (IdentityTheft.gov & ReportFraud.ftc.gov) ati Iroyin ọlọpa Agbegbe kan ***: - Mu awọn sikirinisoti ti a tẹjade ti lẹta ipese iṣẹ iro, awọn ifiranṣẹ agbanisi, aworan ti ṣayẹwo iro (Maṣe fi imeeli ranṣẹ si aworan ti ṣayẹwo iro nipasẹ Ohun idogo Alagbeka ti o ba tun ni), ati awọn ilana gbigbe olutaja lọ si ago ọlọpa agbegbe rẹ lati gba Nọmba Ijabọ Iṣẹlẹ ọlọpa kan **. 3. **Dena Awọn ọna ṣiṣe Chex / Awọn iṣẹ Ikilọ ni kutukutu (EWS) Kikojọ dudu ati dunadura Eto isanpada Inira kan ***: - Ṣe afihan ijabọ ọlọpa ** ati ** Ijabọ FTC *** si oluṣakoso ẹka ni banki rẹ. - Beere lọwọ banki ni kikọ: 1. Maṣe jabo akọọlẹ rẹ si ChexSystems tabi Early Warning Services labẹ koodu “Idaniloju Jegudujera / Abuse Account” (niwọn bi o ti jẹ olufaragba ilufin ti o ni akọsilẹ); 2. Lati yọkuro awọn owo-iṣayẹwo ati pada-ṣayẹwo; ati 3. Lati ṣe iyipada iwọntunwọnsi odi eyikeyi ti o waye lati idiyele-pada sinu iwulo ti ko ni anfani **0% Eto isanpada Hardship APR *** ju oṣu mẹfa si oṣu mejila ju tiipa akọọlẹ rẹ ki o firanṣẹ si awọn ikojọpọ.

Ipele 2: Kini lati ṣe ti o ba fun awọn scammers rẹ Form I-9, W-4, SSN, Passport, Iwe-aṣẹ Awakọ, tabi Nọmba Account Bank¶

Ninu ọpọlọpọ awọn itanjẹ iṣẹ isakoṣo latọna jijin, ko si ayẹwo iro rara: gbogbo idi ti ifọrọwanilẹnuwo iro ati “Iwefunni Ifunni” ni lati tan ọ sinu kikun “Packet Onboarding HR” ti o ni Nọmba Aabo Awujọ rẹ SSN, **Déètì Ìbí ***, Orukọ Ọmọbinrin Iya, ** Iwe-aṣẹ Awakọ / Ṣiṣayẹwo iwe irinna ***, ati ** Itọsọna Ohun idogo Taara & Awọn nọmba Aṣiro ***. Ṣiṣe akojọ ayẹwo-ojuami 7 yii lẹsẹkẹsẹ:

1. Pa Account Bank Compromised Rẹ (Ti o ba Pese Ṣayẹwo Sofo tabi Fọọmu Ohun idogo Taara)¶

Apejuwe AMẸRIKA ** Fọọmu Aṣẹ Idogo Taara *** tabi ** Ayẹwo Sofo *** ṣiṣafihan oni-nọmba 9 rẹ ** ABA Nọmba Ipa-ọna **, kikun **Nọmba Akọọlẹ Ṣiṣayẹwo ***, ati ibuwọlu rẹ. - Ko dabi awọn kaadi debiti, Ile-itumọ Adaṣiṣẹ AMẸRIKA (ACHNẹtiwọọki ngbanilaaye eyikeyi onijaja, ero isanwo isanwo, tabi biller pẹlu ipa ọna rẹ ati nọmba akọọlẹ lati pilẹṣẹ ** ACH Debit Fa *** jade kuro ninu akọọlẹ rẹ, tabi gba awọn ọdaràn laaye lati tẹ awọn sọwedowo iwe irokuro pẹlu oofa MICR inki kale taara lori àkọọlẹ rẹ. - Ma ṣe beere lọwọ banki rẹ nikan lati “wo” akọọlẹ naa ***: Fi aṣẹ fun banki rẹ lati pa nọmba iwe-iṣayẹwo / ifowopamọ ti o gbogun nigbagbogbo ** ki o ṣii nọmba akọọlẹ ami-ami tuntun kan ** (gbigbe iwọntunwọnsi t’olofin rẹ pada ati piparẹ “fifiranšẹ siwaju laifọwọyi ti awọn debiti ACH” lati nọmba akọọlẹ pipade atijọ).

2. Di Gbogbo Awọn ile-iṣẹ Kirẹditi jakejado orilẹ-ede 3 ATI Awọn ile-iṣẹ Ile-ifowopamọ Pataki¶

Pẹlu SSN rẹ, Ọjọ ibi, ati ọlọjẹ ipinnu giga ti Iwe-aṣẹ Awakọ tabi Iwe irinna rẹ, awọn ọdaràn le kọja fere eyikeyi banki ori ayelujara tabi ayanilowo KYC (Mọ Onibara rẹ) ṣayẹwo. Di gbogbo marun ti awọn bureaus wọnyi loni (100% ọfẹ nipasẹ ofin apapo labẹ 15 U.S.C. § 1681c-1): 1. ** Equifax ***: equifax.com/personal/credit-report-services/credit-freeze/ (1-888-298-0045) 2. Amoye: experian.com/freeze/center.html (1-888-397-3742) 3. **TransUnion ***: transunion.com/credit-freeze (1-800-916-8800) 4. ** Awọn ọna ṣiṣe Chex (Ṣiṣayẹwo & Iṣiro Ifowopamọ Ṣiṣii Didi) ***: chexsystems.com -> * Gbe Aabo Didi * (1-800-428-9623). ChexSystems didi ṣe idilọwọ awọn ọdaràn lati lo fọto Iwe-aṣẹ Awakọ ti wọn ji ati SSN lati ṣii awọn akọọlẹ wiwa lori ayelujara ti ẹtan (gẹgẹbi Chime, SoFi, Ally, tabi Awọn akọọlẹ Chase) ni orukọ rẹ lati fi owo ji. 5. ** NCTUE (Tẹlikommu ti Orilẹ-ede & Paṣipaarọ Awọn ohun elo) ***: nctue.com (1-866-349-5355) lati da awọn scammers duro lati nọnwo awọn iPhones ati awọn laini cellular labẹ SSN rẹ.

3. Mu ṣiṣẹ myE-Verify Self Lock Lati Dina Iṣẹ Iṣẹ Laigba aṣẹ Labẹ SSN rẹ¶

Nigbati o ba fi ohun ti o pari silẹ USCIS Form I-9 (Ijerisi Yiyẹyẹ Iṣẹ Iṣẹ) pẹlu awọn fọto ti ** Akojọ A *** (Iwe-iwọle AMẸRIKA) tabi ** Akojọ B + Akojọ C *** (Iwe-aṣẹ Awakọ + Kaadi Aabo Awujọ ti ko ni ihamọ) awọn iwe aṣẹ, awọn alagbata oju opo wẹẹbu dudu n ta “ti o daju” I-9 lapapo" si awọn ẹni-kọọkan ti ko le ṣiṣẹ labẹ ofin labẹ idanimọ tiwọn. Ti ẹnikan ba lo tirẹ I-9 lapapo lati gba a job, wọn agbanisiṣẹ yoo jabo mewa ti egbegberun dọla ni W-2 tabi 1099 owo sisan si IRS labẹ Nọmba Aabo Awujọ rẹ, nfa awọn iṣayẹwo owo-ori IRS ati awọn owo-ori-pada si ọ. - Lọ si Ẹka AMẸRIKA ti Aabo Ile-Ile / portal USCIS ni myeverify.uscis.gov. - Ṣẹda akọọlẹ ti ara ẹni, kọja ijẹrisi idanimọ, ki o tan Self Lock. - Ni kete ti Titii ara ẹni *** ti nṣiṣe lọwọ, ti ẹnikẹni ba gbiyanju lati lo Nọmba Aabo Awujọ rẹ lati kọja E-Verify Ayẹwo iṣẹ ni eyikeyi agbanisiṣẹ AMẸRIKA ti o kopa, eto naa ṣe idiwọ ere naa lẹsẹkẹsẹ pẹlu ** Aisi ijẹrisi Tentative (Mismatch* ati awọn itaniji ti o. (Nigbakugba ti o ba bẹrẹ iṣẹ gidi kan funrararẹ, o le ṣii fun igba diẹ Self Lock ni 30 aaya).

4. Gba ohun IRS Identity Protection PIN (IP PIN) ati Faili Form 14039¶

A ji Form W-4 + SSN ngbanilaaye awọn ọdaràn lati ṣe faili ipadabọ owo-ori Federal ni kutukutu ni Oṣu Kini lati ji agbapada owo-ori rẹ, tabi duro ọ pẹlu awọn owo-ori ti a ko sanwo lori Phantom W-2 / 1099-NEC owo oya. 1. Lọ si irs.gov/ippin ki o si forukọsilẹ ni ** PIN Idaabobo Idanimọ IRS (IP PIN*** eto. 2. IRS yoo lẹsẹkẹsẹ se ina kan ìkọkọ ** 6-nọmba IP PIN**. Ni kete ti o forukọsilẹ, ** awọn kọnputa IRS yoo kọ eyikeyi itanna tabi iwe Form 1040 ipadabọ owo-ori ti a fiweranṣẹ labẹ Nọmba Aabo Awujọ rẹ ti ko pẹlu PIN oni-nọmba 6 aṣiri rẹ **. 3. Ti o ba ṣe awari awọn owo-iṣẹ ti ko gba aṣẹ labẹ SSN rẹ, ṣayẹwo rẹ ** Igbasilẹ Awọn dukia Aabo Awujọ ** ni ssa.gov/myaccount ki o si fi silẹ IRS Form 14039 (Identity ole Affidavit) online nipasẹ IdentityTheft.gov.

5. Ṣayẹwo ati Tii Iṣeduro Alainiṣẹ ti Ipinle Rẹ (UI) Èbúté¶

ji I-9 ati W-4 awọn apo-iwe jẹ idana #1 fun ** Iṣeduro Alainiṣẹ ti Ipinle (UI) Jegudujera Impostor *** (nibiti awọn scammers ṣe faili fun awọn anfani alainiṣẹ osẹ ni orukọ rẹ nipa lilo SSN rẹ, ọjọ ibi, ati itan-akọọlẹ agbanisiṣẹ iṣaaju lati ibẹrẹ rẹ). - Lọ si aaye rẹ ** Ẹka Iṣẹ ti Ipinle / Oju opo wẹẹbu Ile-iṣẹ Agbara *** LONI. - Fi orukọ silẹ ti ara rẹ lori ayelujara ti o beere profaili Iṣeduro Iṣeduro Alainiṣẹ (paapaa ti o ko ba ni ero lati beere awọn anfani) ni lilo Ijeri Olona-ifosiwewe to lagbara (MFA) nitoribẹẹ atanpako ko le forukọsilẹ iroyin labẹ SSN rẹ ni akọkọ. - Ti ẹnu-ọna ipinlẹ naa ba sọ pe “Apamọ kan ti wa tẹlẹ fun Nọmba Aabo Awujọ yii”, ṣe faili lẹsẹkẹsẹ Ijabọ Ijabọ Idanimọ Identity Identity State lori ọna abawọle jibiti ile-ibẹwẹ ti ipinlẹ ki o maṣe gba arekereke IRS Form 1099-G fun awọn anfani ti o ko gba.

6. Ṣe asia tabi Rọpo Iwe-aṣẹ Awakọ ti o gbogun ati iwe irinna¶

Nitoripe o ṣe agbejade ọlọjẹ awọ ti o han gbangba ti Iwe-aṣẹ Awakọ tabi Iwe irinna (ati boya “selfie liveness”), awọn ọdaràn le lo awọn aworan wọnyẹn lati ṣe awọn sọwedowo idanimọ latọna jijin tabi tẹ awọn ID iro ti ara ga-giga: - ** Iwe-aṣẹ Awakọ ***: Ṣe faili agbegbe rẹ ** Ijabọ ọlọpa *** ti n ṣe atokọ adehun ti nọmba Iwe-aṣẹ Awakọ rẹ, ki o kan si ipinlẹ rẹ ** Ẹka ti Awọn Ọkọ ayọkẹlẹ (DMV) Ẹka jibiti *** lati gbe asia jegudujera si igbasilẹ iwe-aṣẹ rẹ (tabi beere iwe-aṣẹ aropo pẹlu nọmba iṣayẹwo / iwe iyasọtọ tuntun DD). - **Iwe-iwọle ***: Ti o ba fi * fọto kan / fọto * ti oju-iwe alaye iwe irinna rẹ ranṣẹ (ti o tun di iwe irinna ti ara rẹ ni ọwọ rẹ), o ko ni dandan lati fagile iwe irinna ti ara rẹ ayafi ti aṣẹ nipasẹ agbofinro, ** ṣugbọn *** ti o ba fi iwe irinna ti ara rẹ kuro tabi o fẹ lati sọ nọmba iwe irinna naa di asan lori rẹ I-9 ọlọjẹ ki o kuna laifọwọyi DHS Awọn sọwedowo nọmba iwe-ipamọ, o le jabo iwe irinna ti o gbogun ati beere fun iwe rirọpo pẹlu nọmba iwe irinna tuntun kan nipasẹ travel.state.gov (Amẹrika), Ọfiisi Iwe irinna HM ** (United Kingdom), tabi ** Passport Canada ***.

Bii o ṣe le rii daju boya ipese iṣẹ latọna jijin jẹ gidi tabi ete itanjẹ labẹ iṣẹju 3¶

Ṣaaju ki o to gbe ID kan lailai tabi gba lẹta ifunni, ṣe idanwo olugbaṣe naa lodi si awọn ofin 7 ti kii ṣe idunadura ti igbanisise t’olofin ***:

Daakọ-ati-lẹẹ mọ iwe afọwọkọ: Akiyesi kikọ si Banki Rẹ Lẹhin Idogo Ṣiṣayẹwo Iṣẹ Iro kan¶

Ti ayẹwo ohun elo iro ba ti bounced (tabi ti fẹrẹ ṣe agbesoke) ati pe o fẹ lati daabobo akọọlẹ iṣayẹwo rẹ lati wa ni pipade ati royin ni odi si ChexSystems tabi ** Awọn iṣẹ Ikilọ TeteEWS***, fi ẹda kan ti alaye ti o fowo si (pẹlu Ijabọ ọlọpa rẹ ati Ijabọ FTC ti o somọ) si oluṣakoso ẹka ile-ifowopamọ rẹ ki o gbe si oju-ọna ibeere jibiti ti banki rẹ:

[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

Awọn ibeere ti a beere nigbagbogbo¶

Kini idi ti banki mi sọ fun mi pe ayẹwo iṣẹ “ti nso” ti o ba jẹ ayẹwo iro ni otitọ?¶

Nigba ti oluṣowo banki tabi ohun elo ile-ifowopamọ alagbeka fihan pe awọn owo ayẹwo ti o wa ni ipamọ wa lẹhin awọn ọjọ iṣowo 1 si 2, iyẹn ko tumọ si sọwedowo ti nu banki ti o funni tabi jẹri bi ododo. Labẹ Ofin Wiwa Awọn Owo Iyanju ti AMẸRIKA (Ilana Reserve Federal CC, 12 CFR Apá 229), awọn banki nilo nipasẹ ofin apapo lati tu awọn owo ipese silẹ si awọn alabara laarin awọn ọjọ iṣowo 1 si 2, ni pipẹ ṣaaju ki ayẹwo naa pari ipari ile-iṣẹ ifasilẹ laarin 5-si-14-ọjọ interbank. Awọn onijagidijagan oojọ lo nilokulo aafo omi oju omi olona-ọjọ pupọ lati tan ọ sinu wirin tabi fifiranṣẹ owo gidi lati inu akọọlẹ rẹ ṣaaju ki iṣayẹwo eke jẹ bounces ati pe banki rẹ fọwọkan kirẹditi ipese labẹ Abala koodu Iṣowo Aṣọ 4-214.

Ṣe MO le lọ si ẹwọn tabi ṣe ẹjọ ti MO ba fi iwe ayẹwo iro kan silẹ lati ọdọ oniyanjẹ iṣẹ?¶

Ti o ba jẹ ẹtan nipasẹ onijagidijagan iṣẹ kan, ṣe ifọwọsowọpọ lẹsẹkẹsẹ pẹlu ile-ifowopamọ rẹ, ti o fi iwe ijabọ ọlọpa ati Ijabọ Identity Identity FTC, o jẹ olufaragba ilufin ju oluṣewadii kan ati pe kii yoo dojukọ ibanirojọ ọdaràn lasan fun a tan ọ sinu idogo ayẹwo iro kan ṣoṣo. Bibẹẹkọ, labẹ awọn ofin ile-ifowopamọ koodu Iṣowo Aṣọkan, o wa ni ẹtọ ti ara ilu ati ni inawo si banki rẹ fun isanpada eyikeyi owo ti o yọkuro tabi ti o ti gbe jade ṣaaju iṣayẹwo iro ti bounced, ati pe o gbọdọ da gbigba tabi firanṣẹ siwaju awọn sọwedowo, awọn gbigbe, tabi awọn idii ki o maṣe ṣe bi ibọwọ owo.

Bawo ni MO ṣe tii Nọmba Aabo Awujọ mi ki ẹnikan ko le lo Fọọmu I-9 ti ji mi lati gba iṣẹ kan?¶

Ṣẹda akọọlẹ ti ara ẹni ọfẹ lori Ẹka Aabo Ilu AMẸRIKA ati USCIS myE-Verify portal (myeverify.uscis.gov) ati mu ẹya ti a pe ni Titiipa Ara-ẹni ṣiṣẹ. Ni kete ti Titiipa ti ara ẹni ba wa ni titan, ti eyikeyi apanilaya ba gbiyanju lati lo Nọmba Aabo Awujọ rẹ lori Fọọmu I-9 ni agbanisiṣẹ E-Daju, eto naa ṣe idiwọ ayẹwo iwe-aṣẹ iṣẹ ati fi to ọ leti; o yẹ ki o tun gba PIN Idaabobo Idanimọ oni-nọmba 6 ni irs.gov/ippin ki o di awọn faili kirẹditi rẹ ni Equifax, Experian, TransUnion, ati ChexSystems.

Awọn orisun ṣayẹwo¶

• Igbimọ Iṣowo Federal (FTC, Orílẹ̀-Èdè Amẹ́ríkà): Ẹ̀tàn Iṣẹ́, Ẹ̀tàn Ìsanwó Àṣejù, àti IdentityTheft.gov Awọn Ilana Imularada Idanimọ Idanimọ Iṣẹ.
• Igbimọ Awọn gomina ti Federal Reserve System & Office of the Comptroller of the Currency (OCC): * Ilana CC (12 CFR Part 229, Wiwa Awọn inawo ati Gbigba Awọn sọwedowo) ati koodu Iṣowo Aṣọ (UCC § 4-214) Awọn Ofin Isanwo Kirẹditi igba diẹ *.
• Federal Bureau of Investigation (FBIIle-iṣẹ ẹdun Ilufin Intanẹẹti (IC3): * Awọn Itaniji PSA lori Awọn Ohun elo Iṣẹ-Lati-Ile Ṣayẹwo Jegudujera, Awọn itanjẹ Iṣẹ Imudara Iṣẹ-ṣiṣe Cryptocurrency, ati Gbigba Mule Owo *.
• Awọn iṣẹ ọmọ ilu AMẸRIKA ati Iṣiwa (USCIS / Ẹka ti Aabo Ile-Ile): *myE-Verify Eto Titiipa ti ara ẹni fun Idabobo Awọn nọmba Aabo Awujọ Lodi si Laigba aṣẹ Form I-9 Jegudujera Iṣẹ *.
• Iṣẹ Wiwọle ti inu (IRS, Orilẹ Amẹrika): PIN Idaabobo Idanimọ (IP PINIforukọsilẹ (irs.gov/ippin) ati Jija Idanimọ ti o jọmọ IṣẹForm 14039) Atunse.

Jẹmọ awọn itọsọna¶

• Idahun irufin data, awọn ọrọ igbaniwọle ti jo, ati awọn didi kirẹditi
• Ifiweranṣẹ imeeli ti iṣowo ile-iṣẹ (BEC) ati iranti oniwadi waya
• Imugbẹ apamọwọ Cryptocurrency, fipalẹ gbolohun ọrọ irugbin, ati fifagilee awọn ifọwọsi
• Malware, ransomware, ati yiyọkuro ikolu spyware
• Awọn nọmba pajawiri nipasẹ orilẹ-ede