WEBVTT 1 00:00:03.200 --> 00:00:08.600 Welcome, everyone, and thank you so much for joining us for our event today, 2 00:00:08.600 --> 00:00:12.360 which will be focusing on a really important topic. 3 00:00:12.440 --> 00:00:15.760 We're currently in one of the busiest shopping periods of the year, 4 00:00:15.800 --> 00:00:19.720 but scammers are also busy coming up with clever new tactics to convince us 5 00:00:19.720 --> 00:00:24.080 to part with our personal and our financial information. 6 00:00:24.160 --> 00:00:28.240 UK Finance have recently published their Fraud and Scams figures 7 00:00:28.240 --> 00:00:33.720 for January to June 2023 and compared to the same period in 2022, 8 00:00:33.720 --> 00:00:38.680 the number of scams report have actually increased by 22%. 9 00:00:38.760 --> 00:00:41.640 Now, one of the best tools we have at our disposal 10 00:00:41.640 --> 00:00:46.200 to protect ourselves from cyber criminals is our ability to identify scams, 11 00:00:46.280 --> 00:00:50.240 which in turn will help us to avoid falling victim. 12 00:00:50.320 --> 00:00:52.200 Now we understand that being targeted by 13 00:00:52.200 --> 00:00:55.200 scammers will impact us all in different ways. 14 00:00:55.200 --> 00:00:58.320 So today, we wanted to give you all the opportunity to tell us what's 15 00:00:58.320 --> 00:01:03.400 on your mind by submitting questions around fraud scams and cyber crime. 16 00:01:03.480 --> 00:01:07.280 Through our scam, Ask the Experts event. 17 00:01:07.360 --> 00:01:07.960 We're also 18 00:01:07.960 --> 00:01:11.000 extremely lucky to be joined by some industry experts 19 00:01:11.000 --> 00:01:14.160 who will help to answer our questions and will share insight into how 20 00:01:14.160 --> 00:01:19.040 we can avoid falling victim and ultimately beat the scammers. 21 00:01:19.120 --> 00:01:22.120 So first of all, for myself, my name is Paul Martin and I am part 22 00:01:22.120 --> 00:01:26.720 of the Digital Eagles and Money Mentor team here at Barclays Bank. 23 00:01:26.800 --> 00:01:30.200 Our team are passionate about helping people to enhance 24 00:01:30.200 --> 00:01:35.760 their digital skills and also to manage their money in a digital world. 25 00:01:35.840 --> 00:01:38.000 I'm also looking to be joined by Ryan 26 00:01:38.000 --> 00:01:41.000 Pallett from our Scam investigation team. 27 00:01:41.160 --> 00:01:43.960 He'll be providing us with insight into the latest fraud 28 00:01:43.960 --> 00:01:47.600 and scam trends and how we're proactively supporting our customers 29 00:01:47.840 --> 00:01:51.600 to protect themselves through education and awareness. 30 00:01:51.680 --> 00:01:56.040 And we'll also welcome Paul Maskall from the dedicated card on Payment 31 00:01:56.040 --> 00:01:57.320 Crime Unit 32 00:01:57.320 --> 00:02:01.320 who will be sharing his knowledge and expertise on the tactic, 33 00:02:01.400 --> 00:02:05.920 techniques and psychology used by today's criminals, and how changing 34 00:02:05.920 --> 00:02:10.640 your mindset can actually reduce the risk of falling victim. 35 00:02:10.720 --> 00:02:13.560 Now, before we get started with answering your questions today, 36 00:02:13.560 --> 00:02:15.960 I wanted to come over to both of our guest speakers 37 00:02:15.960 --> 00:02:19.040 to share a little bit more insight into the work that they're doing 38 00:02:19.200 --> 00:02:22.440 and why, of course, this is so important. 39 00:02:22.520 --> 00:02:27.040 So first of all, if we wouldn't mind coming over to you, Paul. 40 00:02:27.120 --> 00:02:27.680 Thanks, Paul. 41 00:02:27.680 --> 00:02:30.440 And yeah, good afternoon, everybody, and welcome. 42 00:02:30.440 --> 00:02:33.880 And thank you very much for being on the session today. 43 00:02:33.960 --> 00:02:35.840 So I'm a little bit different. 44 00:02:35.840 --> 00:02:39.960 I tend to come at it from a very much more of a psychology point of view 45 00:02:40.040 --> 00:02:44.120 and a perspective point of view is that very often is that fraud 46 00:02:44.120 --> 00:02:49.600 and scams is often seen as as an issue that happens to other people. 47 00:02:49.680 --> 00:02:54.200 Very often it's a crime type that people fall for in these sorts of situations. 48 00:02:54.440 --> 00:02:58.880 But what we often forget in these sorts as a kind of context is that, well, 49 00:02:58.880 --> 00:03:02.040 actually everybody's been told something that they wanted to hear 50 00:03:02.040 --> 00:03:04.440 at probably the wrong time, that you should have heard it. 51 00:03:04.440 --> 00:03:07.280 That could have been your last relationship, your last job, your last 52 00:03:07.280 --> 00:03:07.880 marriage. 53 00:03:07.880 --> 00:03:12.000 It could have been 101 different contexts as to how that happened. 54 00:03:12.080 --> 00:03:14.680 And the problem is, is that very often when it comes down 55 00:03:14.680 --> 00:03:18.840 to the way the world works now, from a society point of view, is that 56 00:03:18.920 --> 00:03:22.200 we are very often on our technology a lot where either through text 57 00:03:22.200 --> 00:03:26.120 messages, through social media, through emails, through phone calls, 58 00:03:26.200 --> 00:03:31.160 we're both simultaneously more connected, but also simultaneously more isolated. 59 00:03:31.240 --> 00:03:34.000 And as Paul said, we've seen this massive rise in scams 60 00:03:34.000 --> 00:03:36.200 reporting and these kind of different elements. 61 00:03:36.200 --> 00:03:39.200 And very often fraud is very often 62 00:03:39.200 --> 00:03:42.200 expedited by the use of our technology. 63 00:03:42.440 --> 00:03:46.120 So from my point of view, I am one of the National Take 64 00:03:46.120 --> 00:03:50.760 Five spokespeople and very often is I can give you all of the education 65 00:03:50.760 --> 00:03:54.240 in the world and I can give you all of the top ten tips, 66 00:03:54.320 --> 00:03:57.560 but unfortunately, I can't make you any less emotional in the moment 67 00:03:57.760 --> 00:04:01.680 and very often is that and there is a flavor of fraud for everyone. 68 00:04:01.680 --> 00:04:03.400 There's a flavor of scam for everyone, 69 00:04:03.400 --> 00:04:06.960 no matter what your age is, who you are, where you are, what your perspective 70 00:04:06.960 --> 00:04:09.960 is, how confident or savvy you believe you are. 71 00:04:10.160 --> 00:04:13.800 And unfortunately, everybody is being told something that they wants to hear. 72 00:04:13.880 --> 00:04:16.400 So first of all, from a take five point of view, 73 00:04:16.400 --> 00:04:21.240 it is taking the three aspects around stop, challenge and protect. 74 00:04:21.320 --> 00:04:25.560 Because in any given situations, if you having a contact, a text message 75 00:04:25.760 --> 00:04:29.880 or an email like stop, do you think that it could be a scam? 76 00:04:29.880 --> 00:04:31.360 Is this legitimate? 77 00:04:31.360 --> 00:04:33.440 Because if you now think about today's world, 78 00:04:33.440 --> 00:04:37.400 is there actually, in order to verify who I am in any given situation, 79 00:04:37.600 --> 00:04:40.360 I don't really need that much, whether it's a product 80 00:04:40.360 --> 00:04:44.320 or a piece of information or even if I'm trying to impersonate somebody. 81 00:04:44.400 --> 00:04:47.600 So first of all, stop it. Take that moment. 82 00:04:47.680 --> 00:04:51.840 And just like that argument you've had with a partner or a family member, 83 00:04:51.920 --> 00:04:55.440 taking that time to take a breather to think, okay, well, hold on a second. 84 00:04:55.480 --> 00:04:58.480 Am I really saying this in the right way? 85 00:04:58.520 --> 00:05:02.520 Take letting that emotion sort of cool down, but also challenge you, 86 00:05:02.600 --> 00:05:04.880 challenge the person on the other end of the phone 87 00:05:04.880 --> 00:05:06.440 if they're a legitimate organization. 88 00:05:06.440 --> 00:05:12.000 Very often it's about an online being made sure that very often actually, 89 00:05:12.000 --> 00:05:15.080 if they're Barclays, if they're a bank, if they're law enforcement 90 00:05:15.080 --> 00:05:18.080 or they're a telecoms company or somebody an organization, 91 00:05:18.120 --> 00:05:22.400 they're not going to have a problem with you having that moment to say, you know 92 00:05:22.400 --> 00:05:25.680 what, I think this could be a scam or to have that piece of mind. 93 00:05:25.760 --> 00:05:29.080 But very often the third aspect is about protection. 94 00:05:29.160 --> 00:05:33.440 So, again, stop, challenge and protect that from a protect point of view. 95 00:05:33.560 --> 00:05:37.240 If you do think you have been impacted and targeted by a criminal 96 00:05:37.240 --> 00:05:38.520 in these sorts of situations, 97 00:05:38.520 --> 00:05:40.840 it is about contacting your bank immediately 98 00:05:40.840 --> 00:05:44.440 in order to have that rectified or that then to assist you, 99 00:05:44.560 --> 00:05:47.560 but also to contact action fraud and report it. 100 00:05:47.600 --> 00:05:51.200 So that is really the framework around the Take five to Stop fraud campaign. 101 00:05:51.200 --> 00:05:55.560 And again, is it's very often it's about that emotional mindfulness. 102 00:05:55.640 --> 00:06:00.760 And this is where it comes into, well, how do I identify it in the first place? 103 00:06:00.800 --> 00:06:02.160 How do I go about 104 00:06:02.160 --> 00:06:06.240 if what is an email or a phishing text or or something along those lines? 105 00:06:06.320 --> 00:06:08.760 Well, I believe in what's called cause. 106 00:06:08.760 --> 00:06:11.480 So it's very often C.A. 107 00:06:11.480 --> 00:06:13.360 U. S. E. 108 00:06:13.360 --> 00:06:18.400 And no matter what the flavor of fraud, whether it is a Royal Mail scam, 109 00:06:18.400 --> 00:06:22.680 whether it is a DPD parcel scam, whether it's somebody talking to you 110 00:06:22.680 --> 00:06:26.880 online or engaging with you through online dating or any other platform, 111 00:06:26.960 --> 00:06:30.920 is that generally speaking, as a criminal, I will use a combination 112 00:06:30.920 --> 00:06:32.120 of these five things, 113 00:06:32.120 --> 00:06:36.480 potentially all four or five or at least some weight on different ones. 114 00:06:36.560 --> 00:06:39.080 So first of all, I'm going to use context. 115 00:06:39.080 --> 00:06:42.000 So why is that the reason I'm talking to you, 116 00:06:42.000 --> 00:06:45.800 whether that be an investment opportunity, whether that be I'm in love with you 117 00:06:45.800 --> 00:06:50.600 or something along those lines is very often the context is 118 00:06:50.600 --> 00:06:54.320 really crucial for to give you a certain element of, well, this is 119 00:06:54.440 --> 00:06:57.920 this is a legitimate communication because of this reason. 120 00:06:58.000 --> 00:07:01.920 Now, very often it then leads into elements of authority. 121 00:07:02.000 --> 00:07:03.920 So hello, I'm from Barclays. 122 00:07:03.920 --> 00:07:06.800 Hello, I'm from the police. Hello, I'm from the NHS. 123 00:07:06.800 --> 00:07:11.480 Hello, I'm from I don't know your telecoms provider or something along those lines. 124 00:07:11.560 --> 00:07:15.080 It's giving you that context, but also giving you 125 00:07:15.080 --> 00:07:19.440 a certain amount of trust that I am who I say I am. 126 00:07:19.440 --> 00:07:24.200 And you can trust me because I am your organization in which you work with. 127 00:07:24.280 --> 00:07:26.040 Now, very often people turn around and say, Well, 128 00:07:26.040 --> 00:07:29.240 I got contacted by a certain bank, but I don't even bank with them. 129 00:07:29.240 --> 00:07:33.560 Yes, but if I contact it, contact 150 people during that day 130 00:07:33.720 --> 00:07:37.520 and only one person actually does bank with that bank, then 131 00:07:37.720 --> 00:07:41.440 that's a good return on my investment from a criminal point of view. 132 00:07:41.520 --> 00:07:44.520 So very often it's high volume, low return, 133 00:07:44.560 --> 00:07:48.720 but also urgency in any of these given situations. 134 00:07:48.800 --> 00:07:53.120 Very often I want to make you do something very, very quickly. 135 00:07:53.200 --> 00:07:58.320 So whether it's if you don't act now, then this horrible bad thing will happen. 136 00:07:58.400 --> 00:07:59.960 Or if you don't act now, 137 00:07:59.960 --> 00:08:04.120 then very often it's this you will lose out on the opportunity for. 138 00:08:04.120 --> 00:08:05.640 So whether that's investments 139 00:08:05.640 --> 00:08:09.840 or again, a problem with your account or something along those lines, 140 00:08:09.920 --> 00:08:12.920 generally speaking, and a legitimate, legitimate organization 141 00:08:12.920 --> 00:08:16.640 will not pressure you in that kind of urgency on that tonality. 142 00:08:16.840 --> 00:08:19.480 And again, being able to challenge them and say, you know what, 143 00:08:19.480 --> 00:08:23.280 this is not something that I'm comfortable with and taking those payments. 144 00:08:23.280 --> 00:08:24.920 But also scarcity. 145 00:08:24.920 --> 00:08:28.760 Now scarcity, human beings, generally speaking, when we look at the kind 146 00:08:28.760 --> 00:08:31.440 of the high rise in in 147 00:08:31.520 --> 00:08:32.760 again, the kind of 148 00:08:32.760 --> 00:08:33.520 the time of year 149 00:08:33.520 --> 00:08:36.640 where we're all wanting to buy Christmas gifts, we're looking to get deals, 150 00:08:36.800 --> 00:08:41.120 Black Friday is just past the Christmas sales coming on, etc. 151 00:08:41.320 --> 00:08:45.040 Very often we are hardwired to overvalue scarcity. 152 00:08:45.120 --> 00:08:46.640 So when you see a web website 153 00:08:46.640 --> 00:08:50.440 saying, well, it's a limited time offer for you to be providing this, fantastic. 154 00:08:50.680 --> 00:08:53.480 Very often when it's only a few left in stock, it provides 155 00:08:53.480 --> 00:08:56.720 this kind of nudge to go, I'll just buy that, or I'll get that. 156 00:08:56.960 --> 00:09:00.560 So very often criminals would use elements of scarce scarcity to support 157 00:09:00.560 --> 00:09:03.600 that and get us to commit 158 00:09:03.760 --> 00:09:06.720 or to do something in those situations. 159 00:09:06.720 --> 00:09:09.920 But more importantly than all of these things, 160 00:09:09.920 --> 00:09:12.920 and again, I will use a combination of those first four, 161 00:09:13.120 --> 00:09:16.480 but generally speaking, I will absolutely weigh upon. 162 00:09:16.480 --> 00:09:21.320 The emotional aspect is that very often I will want to make you panicked. 163 00:09:21.320 --> 00:09:24.240 I want to make you depressed. I want you to make you anxious. 164 00:09:24.240 --> 00:09:28.400 I want you to make you fearful or I want to make you excited. 165 00:09:28.400 --> 00:09:30.520 I want you to make you hopeful. 166 00:09:30.520 --> 00:09:34.280 I want to make you again in any of the spectrum of generally 167 00:09:34.280 --> 00:09:38.240 want to use the two ends of the spectrum, whether that be really positive feelings 168 00:09:38.240 --> 00:09:40.280 or really negative feelings. 169 00:09:40.280 --> 00:09:42.920 Because you know as well as I do, we don't think 170 00:09:42.920 --> 00:09:47.000 overly objectively when we are emotional. 171 00:09:47.080 --> 00:09:52.320 So in these situations I'm reliant on especially the urgency aspect. 172 00:09:52.400 --> 00:09:55.200 I want to get you to do something 173 00:09:55.200 --> 00:09:57.880 within that finite emotional window, 174 00:09:57.880 --> 00:09:59.120 whether it is to give me 175 00:09:59.120 --> 00:10:03.520 your information in your data, or it might be to transfer some money 176 00:10:03.520 --> 00:10:07.680 through a bank, transfer for a product or for an opportunity or an investment, 177 00:10:07.880 --> 00:10:11.240 or even to help out what you believe is somebody that's 178 00:10:11.240 --> 00:10:14.920 very close to you, especially in things like romance scams as well. 179 00:10:15.000 --> 00:10:18.520 So that emotion is really, really crucial. 180 00:10:18.600 --> 00:10:21.800 And very often it's more of fraud and scams 181 00:10:21.800 --> 00:10:25.760 is much more about emotional mindfulness than many other things because I can 182 00:10:25.760 --> 00:10:29.320 give you all the education in the world, but I cannot get you 183 00:10:29.560 --> 00:10:33.480 to actually consciously take that moment and think about those emotions as well. 184 00:10:33.680 --> 00:10:35.880 So stop, challenge and protect. 185 00:10:35.880 --> 00:10:39.320 And I'm looking forward to answering those questions as well. 186 00:10:39.400 --> 00:10:40.400 Amazing and 187 00:10:40.400 --> 00:10:43.640 thank you so much, Paul and really insightful because we know 188 00:10:43.640 --> 00:10:46.760 there is a lot of psychology that goes into fraud and scams. 189 00:10:47.000 --> 00:10:50.920 And one of the reasons why scams continue to be such a problem is because scammers 190 00:10:50.920 --> 00:10:54.200 have become really clever at manipulating people into behaving 191 00:10:54.200 --> 00:10:57.200 in a way that they would always usually wouldn't. 192 00:10:57.200 --> 00:10:58.880 So end some really good insight. 193 00:10:58.880 --> 00:11:02.600 There am a great introduction to the sessions and thank you so much, Paul. 194 00:11:02.680 --> 00:11:04.640 And with that, we're going to come over to you, Ryan, 195 00:11:04.640 --> 00:11:06.080 if you wouldn't mind telling us a little bit 196 00:11:06.080 --> 00:11:10.320 more about the work you do to help protect and educate people. 197 00:11:10.400 --> 00:11:11.120 Yeah, of course. 198 00:11:11.120 --> 00:11:12.200 And thank you again. 199 00:11:12.200 --> 00:11:13.920 Like the other two had already said. 200 00:11:13.920 --> 00:11:15.720 Thank you very much for joining us today. 201 00:11:15.720 --> 00:11:18.640 So my name's Ryan and I'm part of the fraud 202 00:11:18.640 --> 00:11:21.640 and scams investigation team here at Barclays. 203 00:11:21.800 --> 00:11:25.760 So in a nutshell, what my role ultimately is, is almost 204 00:11:25.760 --> 00:11:29.960 first point of contact with customers to ultimately try and protect themselves 205 00:11:29.960 --> 00:11:32.680 from potentially falling victim to a scam 206 00:11:32.760 --> 00:11:35.400 or potentially fraud or something like that. 207 00:11:35.400 --> 00:11:39.960 What we ultimately do within our role is we will basically investigate a payment 208 00:11:39.960 --> 00:11:44.760 that's been flagged on our fraud system that it suspects is potentially fraudulent 209 00:11:44.840 --> 00:11:48.080 or potentially something that is maybe a risk 210 00:11:48.080 --> 00:11:51.080 more than maybe usual payments that you might potentially make. 211 00:11:51.280 --> 00:11:53.400 This could be down to a number of different things. 212 00:11:53.400 --> 00:11:57.000 It could be sort of digital footprint like what Paul mentioned a second ago. 213 00:11:57.000 --> 00:11:58.520 It could be the fact that, 214 00:11:58.520 --> 00:12:01.000 let's say for instance, it can see that you're maybe transacting 215 00:12:01.000 --> 00:12:02.840 in a different area from what you usually do, 216 00:12:02.840 --> 00:12:05.160 a different country, something along those lines. 217 00:12:05.160 --> 00:12:06.520 That would be a cause for our risk. 218 00:12:06.520 --> 00:12:08.360 It could be the fact that it's a larger amount 219 00:12:08.360 --> 00:12:11.040 than what you usually potentially make. 220 00:12:11.120 --> 00:12:13.800 What we ultimately need to do is we need to come to a conclusion 221 00:12:13.800 --> 00:12:16.800 as to whether the payment is potentially genuine or not. 222 00:12:17.000 --> 00:12:19.000 And if we don't feel we have enough evidence 223 00:12:19.000 --> 00:12:21.440 to be able to do that, we simply call the customer 224 00:12:21.440 --> 00:12:24.720 and try and have a conversation around the payments. 225 00:12:24.800 --> 00:12:28.520 Now, what's involved in that is obviously 226 00:12:28.520 --> 00:12:32.360 a number of detail questions, and every agent along with myself, 227 00:12:32.360 --> 00:12:36.560 we are specifically trained to pick up on what we class is red flags. 228 00:12:36.640 --> 00:12:41.400 So these could be sort of certain things where maybe you've been forced 229 00:12:41.400 --> 00:12:45.000 or pressured into making the payment exactly like Paul mentioned a minute ago, 230 00:12:45.080 --> 00:12:48.520 It could be something where you've made it in promised a certain offer 231 00:12:48.560 --> 00:12:50.800 or a return or something like that. 232 00:12:50.800 --> 00:12:52.760 And you've been told that if you don't make the payment 233 00:12:52.760 --> 00:12:55.920 now, you're going to miss out on the opportunity or something like that. 234 00:12:56.000 --> 00:12:58.520 It could be the fact that maybe you are making a purchase. 235 00:12:58.520 --> 00:13:02.480 It's not like we set this target time of year, very, very prevalent 236 00:13:02.480 --> 00:13:07.040 for scammers to basically pick up on potential purchase scams or forcing people 237 00:13:07.040 --> 00:13:11.360 into trying to buy a specific item is picking up on those conversations. 238 00:13:11.360 --> 00:13:16.120 And those potential may be key sentences that are said during the conversation. 239 00:13:16.120 --> 00:13:20.840 So ultimately determine whether we believe a payment is genuine or not. 240 00:13:20.920 --> 00:13:23.720 Scammers, exactly like what we said a minute ago, 241 00:13:23.720 --> 00:13:27.280 are unfortunately adapting and evolving every single day 242 00:13:27.280 --> 00:13:32.360 to basically overcome sort of certain situations and parameters 243 00:13:32.440 --> 00:13:36.040 for for us to basically have to ultimately 244 00:13:36.040 --> 00:13:39.720 come to that conclusion as to whether it is, again, fraudulent or not. 245 00:13:39.800 --> 00:13:43.400 This is a bank we speak obviously with other banks 246 00:13:43.480 --> 00:13:46.160 and we sort of discuss trends and patterns 247 00:13:46.160 --> 00:13:49.160 and different scenarios that we see quite frequently. 248 00:13:49.280 --> 00:13:50.720 It could be a number of different things. 249 00:13:50.720 --> 00:13:52.880 Like I mentioned, it could be purchasing items, 250 00:13:52.880 --> 00:13:56.920 it could potentially be cryptocurrency, which is what we see a lot of recently. 251 00:13:57.000 --> 00:14:01.080 There are so many different things that we can potentially spot. 252 00:14:01.160 --> 00:14:05.560 The sad truth is anyone it's actually like what we said a second ago, 253 00:14:05.560 --> 00:14:09.120 anyone can unfortunately be a victim nowadays, 254 00:14:09.200 --> 00:14:13.800 as much as like what we've said, people can be more savvy and more aware 255 00:14:13.880 --> 00:14:17.880 and we can we can try and educate people as much as what we potentially can. 256 00:14:17.960 --> 00:14:22.880 The reality is, as things are ever changing, it's our duty 257 00:14:22.960 --> 00:14:27.000 as a bank to try and provide as much information for you, 258 00:14:27.000 --> 00:14:30.080 our customers, to to basically try and make sure that 259 00:14:30.080 --> 00:14:33.080 we're giving you the opportunity to take a step back, 260 00:14:33.200 --> 00:14:36.760 realize if there is something that's maybe not quite right. 261 00:14:36.840 --> 00:14:37.640 And basically, 262 00:14:37.640 --> 00:14:41.960 hopefully having that conversation with you, maybe sometimes towards the 263 00:14:42.200 --> 00:14:45.200 the sort of perception as to whether it is real or not, 264 00:14:45.200 --> 00:14:48.600 we do tend to use the term breaking the spell. 265 00:14:48.680 --> 00:14:51.160 And it's actually like Paul mentioned a minute ago, 266 00:14:51.160 --> 00:14:54.080 sometimes it is the emotional aspects 267 00:14:54.080 --> 00:14:58.080 where we have to have those difficult conversations with you. 268 00:14:58.160 --> 00:15:00.960 We have to try and make sure that obviously the situation 269 00:15:00.960 --> 00:15:04.560 that you're in is potentially not making you 270 00:15:04.640 --> 00:15:09.000 sort of more susceptible to a scam or to potentially becoming a victim. 271 00:15:09.080 --> 00:15:12.120 But as I say, ultimately what my role is, is to basically 272 00:15:12.120 --> 00:15:16.440 stop those scams or prevent those payments before they actually get released 273 00:15:16.520 --> 00:15:19.040 for fraudulent purposes. 274 00:15:19.040 --> 00:15:21.880 Along with that, there is also part of my role to sort of 275 00:15:21.880 --> 00:15:26.040 detect our own customers that we believe are potentially fraudulent themselves 276 00:15:26.120 --> 00:15:29.720 and basically raise a investigation against those customers. 277 00:15:29.720 --> 00:15:32.480 So ultimately we can help protect our customers. 278 00:15:32.480 --> 00:15:40.680 And those people at other banks, too, to basically stop them from happening again. 279 00:15:40.760 --> 00:15:41.240 Brilliant. 280 00:15:41.240 --> 00:15:42.320 Thank you so much. 281 00:15:42.320 --> 00:15:42.640 Ryan. 282 00:15:42.640 --> 00:15:46.400 And again, it links perfectly to what Paul thought was true earlier on. 283 00:15:46.640 --> 00:15:49.600 We do know that fraudsters do look to harvest people's 284 00:15:49.600 --> 00:15:53.320 details using processes that are referred to as social engineering. 285 00:15:53.400 --> 00:15:56.960 And this is the act of tricking someone into sharing information or taking 286 00:15:56.960 --> 00:16:01.120 an action or, like Ryan mentioned, just acting out of character. 287 00:16:01.200 --> 00:16:04.640 But naturally, as technology evolves, we have lots of channels 288 00:16:04.640 --> 00:16:08.280 that are available for cybercriminals to use to scam people. 289 00:16:08.360 --> 00:16:13.560 That could be social media platforms, dating applications, online marketplaces. 290 00:16:13.640 --> 00:16:17.400 But I think the psychology and the tactics are really important to understand. 291 00:16:17.400 --> 00:16:20.440 As a starting point, because scammers will prey on people 292 00:16:20.440 --> 00:16:23.440 who are looking for the best possible deals and exploit them. 293 00:16:23.640 --> 00:16:26.960 They will create that sense of urgency and try and force 294 00:16:26.960 --> 00:16:28.960 people to make poor decisions. 295 00:16:28.960 --> 00:16:31.800 And they will also harness that sense of authority 296 00:16:31.800 --> 00:16:35.000 to instead instill fear in their victims. 297 00:16:35.080 --> 00:16:38.760 And I know this is very common across a lot of their impersonation scams, 298 00:16:38.760 --> 00:16:42.360 purchase scams that we're seeing them at this time of year. 299 00:16:42.440 --> 00:16:45.600 So we really do appreciate that introduction and give us a bit 300 00:16:45.600 --> 00:16:49.680 more context into the work you do to educate and protect people. 301 00:16:49.760 --> 00:16:53.480 But with that, we do have a few questions that have come through that we would love 302 00:16:53.480 --> 00:16:55.520 to get your thoughts on. 303 00:16:55.520 --> 00:16:58.280 Now, the first one, I think we will direct up Paul 304 00:16:58.280 --> 00:17:02.520 So how do cyber criminals actually obtain our details? 305 00:17:02.600 --> 00:17:05.160 Has there been any link made between signing up 306 00:17:05.160 --> 00:17:08.280 to services and these compromisations? 307 00:17:08.360 --> 00:17:12.640 And also when contacted by people purporting to be these organizations, 308 00:17:12.640 --> 00:17:17.280 how do we actually know we're speaking to a genuine company? 309 00:17:17.360 --> 00:17:19.280 I think it's interesting because again, from a 310 00:17:19.280 --> 00:17:23.360 from a data point of view and how do they get our details now? 311 00:17:23.440 --> 00:17:27.000 First of all, I have a question and a kind of a reflection 312 00:17:27.080 --> 00:17:29.080 is that if you see somebody armed with a clipboard 313 00:17:29.080 --> 00:17:32.320 in your local high street, what do you do now? 314 00:17:32.400 --> 00:17:35.080 Now, most people, if you're anything like me, 315 00:17:35.080 --> 00:17:37.760 will either do this massive awkward semicircle 316 00:17:37.760 --> 00:17:41.200 around them or that really awkward eye contact said, no. 317 00:17:41.200 --> 00:17:42.000 So I'm okay. 318 00:17:42.000 --> 00:17:42.920 I'm very busy, I'm 319 00:17:42.920 --> 00:17:46.880 doing something else, I'm walking elsewhere, I'm shopping or whatever. 320 00:17:46.960 --> 00:17:49.560 But actually very often if I stop you and say, well, actually 321 00:17:49.560 --> 00:17:51.520 why do you not want to talk to this person? 322 00:17:51.520 --> 00:17:52.960 There's like, there's a number of different reasons. 323 00:17:52.960 --> 00:17:54.920 You're busy, you're distracted, 324 00:17:54.920 --> 00:17:57.560 you don't want to give your data and information to this person. 325 00:17:57.560 --> 00:17:59.000 You don't necessarily feel comfortable 326 00:17:59.000 --> 00:18:03.440 about giving your email information now in in person in that sort of aspect. 327 00:18:03.520 --> 00:18:07.920 But the problem is over the past, probably about 20 years, maybe, 328 00:18:08.000 --> 00:18:11.560 maybe even less, is that we've been conditioned 329 00:18:11.640 --> 00:18:17.000 to give our information and personal data away for pretty much everything. 330 00:18:17.080 --> 00:18:20.240 So whether that's an online account, whether it's an online platform, 331 00:18:20.240 --> 00:18:25.680 whether that's an online form or a 10% offer from from a website, is that data 332 00:18:25.680 --> 00:18:29.640 is incredibly valuable to organizations, both legitimate and not legitimate. 333 00:18:29.720 --> 00:18:33.920 And very often it's the case of where because we have been conditioned 334 00:18:33.920 --> 00:18:38.880 as a population for so many years to give away our information, 335 00:18:38.960 --> 00:18:41.560 is that how do cybercriminals and fraudsters obtain 336 00:18:41.560 --> 00:18:44.760 the information while actually incredibly easily so it's there's 337 00:18:44.840 --> 00:18:49.120 still a situation where whether it is through our own habits. 338 00:18:49.120 --> 00:18:53.400 So if I say to you, when was the last time you changed your personal email address 339 00:18:53.480 --> 00:18:56.400 or when was the last time you changed your personal mobile? 340 00:18:56.400 --> 00:18:59.680 Now you I've just basically detailed 341 00:18:59.880 --> 00:19:03.680 two of the main things in which I contact you as a fraudster. 342 00:19:03.760 --> 00:19:04.880 But if you haven't changed it 343 00:19:04.880 --> 00:19:09.080 for a decade or two decades, very often in some cases, is it? 344 00:19:09.080 --> 00:19:13.400 I'm not saying change them, but it's just that exposure over time 345 00:19:13.600 --> 00:19:16.600 and also the amount of our accounts and things like that we fill in 346 00:19:16.720 --> 00:19:20.240 is it increases the amount of data that we've ended up giving away. 347 00:19:20.320 --> 00:19:23.800 So every time you fill in an online form or an account, etcetera, 348 00:19:24.040 --> 00:19:27.240 you are trusting that organization to look after your data. 349 00:19:27.320 --> 00:19:30.320 Unfortunately, some organizations have found things like data breaches, 350 00:19:30.440 --> 00:19:34.800 so data breaches have kind of exposed that to a lot of organizations. 351 00:19:34.880 --> 00:19:38.160 Data has been then released into the public sphere, 352 00:19:38.240 --> 00:19:41.280 again from a data breach point of view, but also from a social engineering 353 00:19:41.280 --> 00:19:42.120 point of view. 354 00:19:42.120 --> 00:19:46.400 If I give you a 10% offer or open an account or send you an email, 355 00:19:46.400 --> 00:19:48.520 for information 356 00:19:48.520 --> 00:19:52.160 that social engineering aspect is because we've been conditioned to give it away, 357 00:19:52.240 --> 00:19:56.200 we don't necessarily have any sort of intuitive emotional 358 00:19:56.200 --> 00:20:00.040 hook to say, well, who is it that I'm giving this information to? 359 00:20:00.120 --> 00:20:05.840 So very often we give it away in when when ask to in in very limited circumstances. 360 00:20:05.920 --> 00:20:09.960 So it's that aspect of both the social engineering. 361 00:20:10.040 --> 00:20:15.000 Again, the aspects around data breaches, but also we actively put our data out 362 00:20:15.040 --> 00:20:18.280 most of the time through things like social media. 363 00:20:18.360 --> 00:20:22.760 So when I used to work in law enforcement and I still do in various guises, 364 00:20:22.760 --> 00:20:26.120 but I also work for UK finance and the dedicated card and payment crime 365 00:20:26.120 --> 00:20:29.640 unit, it highlights the fact that actually all the training in the world 366 00:20:29.840 --> 00:20:34.480 that that showed me the ability to find data, information about somebody. 367 00:20:34.720 --> 00:20:36.560 Turns out you don't need any training. 368 00:20:36.560 --> 00:20:39.160 It's incredibly easy and accessible. 369 00:20:39.160 --> 00:20:42.640 So it's about understanding this conscious choice of who you are 370 00:20:42.640 --> 00:20:46.640 giving the data away and when who you're engaging with it, 371 00:20:46.640 --> 00:20:49.920 especially online through its online portals and accounts. 372 00:20:50.000 --> 00:20:52.520 But also how do you know when it's a genuine company? 373 00:20:52.520 --> 00:20:56.400 Well, sometimes you don't in these sorts of situations, 374 00:20:56.400 --> 00:21:01.400 it is about stopping challenging that information and not necessarily 375 00:21:01.400 --> 00:21:05.520 taking it at face value and being able to confirm in other ways. 376 00:21:05.600 --> 00:21:09.080 So whether it's a purchase company or online will actually look for reviews 377 00:21:09.080 --> 00:21:10.800 and look for these sorts of situations. 378 00:21:10.800 --> 00:21:14.400 But also if it's an organization like Barclays, you're able to then 379 00:21:14.640 --> 00:21:16.440 actually, you know what, I'm going to call you back. 380 00:21:16.440 --> 00:21:17.840 I'm going to engage with you. 381 00:21:17.840 --> 00:21:20.080 I'm going to use the number that I already have 382 00:21:20.080 --> 00:21:23.760 in order to contact that organization and do so through another means. 383 00:21:23.840 --> 00:21:28.320 So very often to ensure that we are genuinely talking to the people we want to 384 00:21:28.400 --> 00:21:32.640 normally takes a little bit more action on our side, unfortunately. 385 00:21:32.640 --> 00:21:37.040 Brilliant and really insightful and again, it seems to emphasize just how busy 386 00:21:37.040 --> 00:21:40.320 those cyber criminals are coming up with a variety of different ways 387 00:21:40.320 --> 00:21:43.680 to harvest personal and financial details. 388 00:21:43.760 --> 00:21:46.080 So just following on from that question, another one that's 389 00:21:46.080 --> 00:21:50.160 come through in the chat is, is there anything individuals can do 390 00:21:50.160 --> 00:21:54.480 to proactively protect their data from cyber attacks? 391 00:21:54.560 --> 00:21:57.720 Well, do the kind of in-person test, 392 00:21:57.800 --> 00:22:01.040 because if I came up to you in the middle of the street with that clipboard 393 00:22:01.160 --> 00:22:04.880 just out of the blue completely and just said, can I have all of your 394 00:22:04.880 --> 00:22:06.720 personal information? 395 00:22:06.800 --> 00:22:07.640 Can I want 396 00:22:07.640 --> 00:22:10.640 to know your name, your date of birth, your address, 397 00:22:10.720 --> 00:22:12.320 everything about you, and potentially 398 00:22:12.320 --> 00:22:15.320 maybe your National insurance number to boot as well. 399 00:22:15.440 --> 00:22:18.120 Now, if I was to do that in the middle of the street, 400 00:22:18.120 --> 00:22:20.400 what would your response be? 401 00:22:20.400 --> 00:22:23.400 Now in these sorts of situations is that very often 402 00:22:23.400 --> 00:22:24.600 you have this kind of defensiveness. 403 00:22:24.600 --> 00:22:26.480 I'm like, No, I'm not giving you the information. 404 00:22:26.480 --> 00:22:28.560 Why would I give that information to you? 405 00:22:28.560 --> 00:22:32.520 But online, we don't have face, we don't have space, 406 00:22:32.520 --> 00:22:34.200 we don't have context. 407 00:22:34.200 --> 00:22:38.880 We don't have that sort of intuitive hook of somebody randomly coming up to us. 408 00:22:38.960 --> 00:22:43.000 But that's exactly what happens in a social media direct message. 409 00:22:43.160 --> 00:22:46.400 That's exactly what happens in a social media advert. 410 00:22:46.480 --> 00:22:48.560 It's exactly what happens in a phishing email. 411 00:22:48.560 --> 00:22:51.880 For instance, if I'm contacting or if I randomly phone you. 412 00:22:51.960 --> 00:22:55.360 So very often it is the equivalent of me just running up 413 00:22:55.360 --> 00:22:58.360 to you in the street with a clipboard and asking you for that information. 414 00:22:58.520 --> 00:22:59.760 So it's very often is like, Well, 415 00:22:59.760 --> 00:23:02.760 do you feel comfortable about giving this information to them? 416 00:23:02.800 --> 00:23:05.360 So very often it's that mindful process of going, 417 00:23:05.360 --> 00:23:07.120 well, actually, do I trust this person? 418 00:23:07.120 --> 00:23:10.560 Is this is this somebody who I can trust in these given situations? 419 00:23:10.640 --> 00:23:16.280 So that is the best advice because unfortunately, in today's world, 420 00:23:16.360 --> 00:23:20.560 asking you to never give out your data to anyone is basic. 421 00:23:20.680 --> 00:23:23.760 The equivalent of asking you to live under a rock in a cave somewhere. 422 00:23:23.920 --> 00:23:27.200 And fortunately, because if you do, you want to buy anything or do anything, 423 00:23:27.320 --> 00:23:30.200 then unfortunately it is the nature of the beast. 424 00:23:30.200 --> 00:23:32.720 But very often it is taking that moment. 425 00:23:32.720 --> 00:23:35.120 Do I trust who I'm talking to. 426 00:23:35.120 --> 00:23:36.640 Do I trust this message? 427 00:23:36.640 --> 00:23:38.320 Do I trust this contact? 428 00:23:38.320 --> 00:23:45.360 And if so, how do I confirm that trust and how am I able to get that data away? 429 00:23:45.440 --> 00:23:47.080 Yeah, absolutely brilliant. 430 00:23:47.080 --> 00:23:49.040 I think that ties into a lot of the questions 431 00:23:49.040 --> 00:23:51.560 we have actually seen coming through in the chat mentioned. 432 00:23:51.560 --> 00:23:55.640 And you know, when we complete online forms or we enter online competitions 433 00:23:55.880 --> 00:23:56.840 and we're naturally asked 434 00:23:56.840 --> 00:24:00.760 to put a lot of information in that can include things like date of birth. 435 00:24:00.840 --> 00:24:04.680 So I think the message there is clear it really just take that time, 436 00:24:04.800 --> 00:24:08.120 do research, check for the organizations that you're in 437 00:24:08.360 --> 00:24:11.240 that you're actually utilizing or about your thinking of doing business 438 00:24:11.240 --> 00:24:15.240 with and also getting in contact with them through genuine channels. 439 00:24:15.320 --> 00:24:18.640 But if you're unsure, the best thing to do is probably to avoid sharing 440 00:24:18.640 --> 00:24:23.400 that information for risk of being targeted by criminals. 441 00:24:23.480 --> 00:24:24.440 So that is brilliant. 442 00:24:24.440 --> 00:24:26.040 So thank you so much for that. Paul. 443 00:24:26.040 --> 00:24:28.160 So with that, I think can we come over to Ryan next? 444 00:24:28.160 --> 00:24:30.240 We do get a couple of questions through that. 445 00:24:30.240 --> 00:24:33.600 We think, why am I perfectly to the work that you and your team do? 446 00:24:33.600 --> 00:24:38.080 Ryan So when we have a question that mentions that they receive 447 00:24:38.080 --> 00:24:41.120 a large number of texts that claim to be from organizations 448 00:24:41.120 --> 00:24:44.640 like the Royal Mail, HMRC, etc., 449 00:24:44.720 --> 00:24:49.680 so who do we actually report these to? 450 00:24:49.760 --> 00:24:53.840 So realistically you can kind of report them to us 451 00:24:53.920 --> 00:24:58.320 if you have potentially fallen victim to one of these yourself. 452 00:24:58.400 --> 00:25:01.400 So the trouble is, is they look so realistic 453 00:25:01.400 --> 00:25:04.400 and especially this time of year, 454 00:25:04.440 --> 00:25:06.560 you can also report them too. 455 00:25:06.560 --> 00:25:09.520 Obviously the Stop Think Fraud 456 00:25:09.520 --> 00:25:13.480 at those at the top of organizations and stuff like that 457 00:25:13.560 --> 00:25:17.320 from if you're looking at it from a from a bank perspective, like I say, 458 00:25:17.320 --> 00:25:21.200 especially at this time of year, that's so, so prevalent 459 00:25:21.280 --> 00:25:24.760 because the reality is everyone's expecting parcels this time of year. 460 00:25:24.760 --> 00:25:28.000 Everyone's sort of buying gifts and presents and whatever else 461 00:25:28.000 --> 00:25:30.640 it would be for family and friends and that type of stuff. 462 00:25:30.640 --> 00:25:34.520 So there's sort of a few things to to kind of watch out for. 463 00:25:34.520 --> 00:25:38.880 So first sort of main thing would be the reality is a lot of these ones, 464 00:25:38.880 --> 00:25:42.680 especially from like the Royal Mail or DPD or these other 465 00:25:42.760 --> 00:25:46.000 sort of courier sites or company sorry, 466 00:25:46.080 --> 00:25:49.680 there'll always sort of in always be something along the lines of 467 00:25:49.760 --> 00:25:52.240 you need to pay X amount for a 468 00:25:52.240 --> 00:25:55.240 release fee for your parcel or something along those lines. 469 00:25:55.480 --> 00:25:58.800 The reality is you will never be asked by these companies to pay 470 00:25:58.800 --> 00:26:00.080 a small release fee. 471 00:26:00.080 --> 00:26:01.640 Air Quotes “Release fee” 472 00:26:01.640 --> 00:26:05.480 because if you've bought the product from a legitimate merchant, so let's say 473 00:26:05.480 --> 00:26:09.400 you bought it from Boots or John Lewis or whoever else it would be, 474 00:26:09.480 --> 00:26:14.360 they will always add the the postage to the actual final bill. 475 00:26:14.440 --> 00:26:17.800 So you should never be paying an additional amount on top of that. 476 00:26:18.000 --> 00:26:20.240 So there's a few things to sort of spot. 477 00:26:20.240 --> 00:26:23.520 The first thing, especially if you get it from a 478 00:26:23.600 --> 00:26:26.720 an actual email, is check the actual email itself. 479 00:26:26.880 --> 00:26:29.840 So check the email because nine times out of ten a guarantee, 480 00:26:29.840 --> 00:26:31.720 you check the actual email where you 481 00:26:31.720 --> 00:26:35.200 when you type on the actual email itself or the name of who it's been sent from 482 00:26:35.280 --> 00:26:37.040 and it will be nothing to do with the Royal Mail 483 00:26:37.040 --> 00:26:41.040 or nothing to do with HMRC or something along those lines. 484 00:26:41.120 --> 00:26:43.280 Most of the time it's actually quite funny because it does actually 485 00:26:43.280 --> 00:26:44.440 have someone's actual name. 486 00:26:44.440 --> 00:26:46.520 So the scammers actual name in the email 487 00:26:46.520 --> 00:26:50.400 followed by maybe a load of numbers or digits or something. 488 00:26:50.480 --> 00:26:53.960 The other thing that you can also do is if you get it from a text or again, 489 00:26:53.960 --> 00:26:54.920 if it is an email, 490 00:26:54.920 --> 00:26:58.280 have a look at the grammar and the punctuation and stuff like that. 491 00:26:58.280 --> 00:27:01.280 Because sometimes what you will find is when you're reading it, 492 00:27:01.480 --> 00:27:05.720 don't randomly be sort of a double spacing or an extra letter 493 00:27:05.720 --> 00:27:08.160 or one of the words will be spelt wrong or something like that. 494 00:27:08.160 --> 00:27:12.560 Now I'm not saying go away and, and read in detail every single one of these, 495 00:27:12.560 --> 00:27:17.120 but if you look and it just doesn't look right straight off, right off the bat then 496 00:27:17.200 --> 00:27:21.240 obviously there's cause for concern that what we would advise is 497 00:27:21.320 --> 00:27:25.360 if you ever have potentially submitted details to one of these, 498 00:27:25.440 --> 00:27:29.000 like what we mentioned a minute ago, call your bank as soon as you can, 499 00:27:29.000 --> 00:27:32.000 because the reality is the faster you get in contact with the bank 500 00:27:32.040 --> 00:27:32.600 and the quicker 501 00:27:32.600 --> 00:27:35.920 you let us know, the quicker we can ultimately do something about it. 502 00:27:36.000 --> 00:27:40.800 So if you've potentially contacted or given out information to one of these 503 00:27:40.880 --> 00:27:44.160 one of these sort of texts or emails or whatever it would be, 504 00:27:44.240 --> 00:27:47.720 simply call us, because it might be a case that we may need to reissue a new card 505 00:27:47.720 --> 00:27:50.160 to you or something like that, because maybe you've given out 506 00:27:50.160 --> 00:27:53.840 the long number on your card or whatever else it would be. 507 00:27:53.920 --> 00:27:55.360 But the reality is, 508 00:27:55.360 --> 00:27:58.240 especially this time of year, these are always all over the place. 509 00:27:58.240 --> 00:28:02.400 And it's not just the HMRC or Royal Mail It could be anyone. 510 00:28:02.480 --> 00:28:04.160 Funnily enough, I had one from the DVLA. 511 00:28:04.160 --> 00:28:07.280 I know that my car tax was coming up soon, so there you go. 512 00:28:07.280 --> 00:28:10.480 I'm looking at that straight away thinking could it be genuine? 513 00:28:10.560 --> 00:28:13.520 Like say, stop, have a look at it, 514 00:28:13.520 --> 00:28:16.960 do a little bit of investigation and it's still not entirely sure. 515 00:28:17.000 --> 00:28:20.280 And like I say, there are websites out there, even our own Barclays website, 516 00:28:20.280 --> 00:28:24.320 if you did want to have a look at what to sort of look for in order 517 00:28:24.320 --> 00:28:29.120 to try and protect yourself a little bit further. 518 00:28:29.200 --> 00:28:29.800 Brilliant. 519 00:28:29.800 --> 00:28:31.240 Thank you very much Ryan. 520 00:28:31.240 --> 00:28:35.040 I think that actually leads perfectly into our next question. 521 00:28:35.120 --> 00:28:38.840 So legitimate calls from financial institutions like Barclays, 522 00:28:38.840 --> 00:28:42.760 for example, and those fraud teams can sometimes seem suspicious. 523 00:28:42.840 --> 00:28:46.320 Can they be linked to some sort of a code within the Barclays 524 00:28:46.320 --> 00:28:51.280 mobile banking app to clarify that they are actually real? 525 00:28:51.360 --> 00:28:52.040 Yeah, definitely. 526 00:28:52.040 --> 00:28:55.000 So it's actually a really good question because 527 00:28:55.000 --> 00:28:57.960 most of us are taught that if you ever receive a call 528 00:28:57.960 --> 00:29:01.520 from from “the bank”, then it's probably suspicious 529 00:29:01.520 --> 00:29:04.120 or you've probably got cause for concern or something like that. 530 00:29:04.120 --> 00:29:07.120 That's just typically how everyone's raised is 531 00:29:07.160 --> 00:29:10.080 if we ever get something like that, ignore it. 532 00:29:10.080 --> 00:29:13.400 What we would always try and do, at least from from a Barclays 533 00:29:13.400 --> 00:29:15.800 perspective, is we will always try and take you through 534 00:29:15.800 --> 00:29:18.800 If we do potentially need to make outbound calls yourself. 535 00:29:18.800 --> 00:29:20.840 So like I say, that's what I do. 536 00:29:20.840 --> 00:29:24.160 If we have a duty to contact you, we will simply always try and take you 537 00:29:24.160 --> 00:29:29.600 through security using the Barclays Mobile Banking app. 538 00:29:29.680 --> 00:29:31.960 So you don't need to give us any details. 539 00:29:31.960 --> 00:29:33.680 You don't need to give us your card 540 00:29:33.680 --> 00:29:37.480 details or answer security questions or something like that. 541 00:29:37.560 --> 00:29:40.080 We will always try and do that where possible. 542 00:29:40.080 --> 00:29:43.920 And it's simply a case of just sending a notification to the app and it'll say, 543 00:29:44.000 --> 00:29:45.440 you've got a call from Barclays. 544 00:29:45.440 --> 00:29:48.200 You're speaking with Brian. Is it you on the call? 545 00:29:48.200 --> 00:29:51.240 And you just simply confirm that and it allows us to continue our call 546 00:29:51.240 --> 00:29:54.440 without having to actually divulge any personal information 547 00:29:54.440 --> 00:29:58.800 or like we mentioned, given our email addresses and stuff like that. 548 00:29:58.880 --> 00:29:59.680 The other thing 549 00:29:59.680 --> 00:30:03.200 as well is like what Paul mentioned earlier is 550 00:30:03.280 --> 00:30:06.920 we will never, ever try and put you under pressure to continue the call. 551 00:30:07.000 --> 00:30:09.120 So if you ever receive a call from the bank 552 00:30:09.120 --> 00:30:12.520 or from someone claiming to be from the bank, we would never turn around. 553 00:30:12.520 --> 00:30:14.240 You would say, Well, you have to continue this call. 554 00:30:14.240 --> 00:30:17.880 Otherwise these funds are going to get released or something along those lines. 555 00:30:17.880 --> 00:30:20.160 You never get that. 556 00:30:20.160 --> 00:30:22.720 What we would simply advise you is if you don't feel comfortable 557 00:30:22.720 --> 00:30:25.880 on the call, call us back on a legitimately sourced number. 558 00:30:25.880 --> 00:30:26.960 So the numbers 559 00:30:26.960 --> 00:30:31.120 on the back of your actual debit card, the number from the official bank website, 560 00:30:31.120 --> 00:30:34.960 so from the official Barclays website or something like that, we will never try 561 00:30:34.960 --> 00:30:39.680 and force you to continue with the call because as I mentioned at the beginning, 562 00:30:39.760 --> 00:30:41.080 it's it's talk 563 00:30:41.080 --> 00:30:46.440 that you should never get a call from the bank. 564 00:30:46.520 --> 00:30:48.360 Yeah, that's absolutely brilliant. 565 00:30:48.360 --> 00:30:49.480 Ryan really insightful 566 00:30:49.480 --> 00:30:52.840 and I think it links back a lot to what Paul mentioned earlier on. 567 00:30:52.840 --> 00:30:56.760 If we are unsure, we take that time, we do our research and we contact 568 00:30:56.760 --> 00:31:00.920 those organizations through a channel that we absolutely know to be genuine. 569 00:31:01.160 --> 00:31:03.040 And it's great that some of those digital tools 570 00:31:03.040 --> 00:31:07.880 can actually be used to help people in those situations. 571 00:31:07.960 --> 00:31:08.480 Excellent. 572 00:31:08.480 --> 00:31:10.760 So I think now we will come back over to Paul. 573 00:31:10.760 --> 00:31:11.880 I've got a couple on True Paul 574 00:31:11.880 --> 00:31:15.200 that I think might be brilliant for you to share some insight on. 575 00:31:15.280 --> 00:31:20.560 So we've heard a lot about remote access on malicious software recently. 576 00:31:20.640 --> 00:31:24.440 If someone gets access to your computer and you are of course aware of it, 577 00:31:24.640 --> 00:31:29.320 what steps can you take to cut them off as quickly as possible? 578 00:31:29.400 --> 00:31:31.200 So there's two parts to this. 579 00:31:31.200 --> 00:31:34.920 One is that the first part is, again, any device, 580 00:31:35.000 --> 00:31:37.560 for instance, again, if you're on a computer, for instance, 581 00:31:37.560 --> 00:31:41.800 is a first of all having, say, for instance, antivirus and firewall, 582 00:31:41.920 --> 00:31:43.120 whether that's the free version 583 00:31:43.120 --> 00:31:46.120 that say for instance, comes with Windows or different platforms, 584 00:31:46.160 --> 00:31:48.320 having something like that installed on your computer, 585 00:31:48.320 --> 00:31:51.280 whether it is the free version or, again, the paid for version. 586 00:31:51.280 --> 00:31:51.760 Generally speaking, 587 00:31:51.760 --> 00:31:53.840 I like a paid full version because it comes with a number 588 00:31:53.840 --> 00:31:56.200 of a suite of other security softwares, etc.. 589 00:31:56.200 --> 00:32:00.360 So very often it comes down to the fact that actually having those sorts of things 590 00:32:00.440 --> 00:32:03.440 in place at the time is incredibly good. 591 00:32:03.560 --> 00:32:06.840 Also make sure that, for instance, if you you're an iOS device or an Apple 592 00:32:06.840 --> 00:32:12.360 device, for instance, or an iPad or any device, always keep them updated. 593 00:32:12.440 --> 00:32:16.240 So nine times out of ten, pretty much all updates require 594 00:32:16.240 --> 00:32:21.320 or are included with some sort of security update. 595 00:32:21.400 --> 00:32:24.560 So, for instance, a vulnerability in software or a vulnerability 596 00:32:24.560 --> 00:32:25.760 in the hardware, etc.. 597 00:32:25.760 --> 00:32:29.400 So very often keeping these things on automatic update, for instance, 598 00:32:29.400 --> 00:32:33.840 from a public point of view is really, really good to keep that security going. 599 00:32:33.920 --> 00:32:38.160 Now, again, that's great, but generally speaking, sometimes from a remote access 600 00:32:38.160 --> 00:32:41.760 software or malware, it's required on us 601 00:32:41.760 --> 00:32:45.200 to be vigilant as well on top of it, unfortunately. 602 00:32:45.280 --> 00:32:48.840 So very often if I send you an email or a text message or 603 00:32:49.040 --> 00:32:53.040 or trying to get you to take an action on a link or a website, 604 00:32:53.280 --> 00:32:56.800 very often then I can download some sort of malicious software 605 00:32:56.960 --> 00:33:00.160 or indeed remote access software directly onto my computer. 606 00:33:00.240 --> 00:33:04.320 Now having the antivirus and firewall and also updated machines 607 00:33:04.320 --> 00:33:08.120 in the first place will go a long way to to again being 608 00:33:08.120 --> 00:33:12.120 you're almost your last line of defense if you have clicked on that link. 609 00:33:12.200 --> 00:33:13.840 It's also the advice that Ryan gave 610 00:33:13.840 --> 00:33:17.640 you is around on trying to avoid going onto those links in the first place. 611 00:33:17.720 --> 00:33:20.280 But when it comes to it, if you've actually got to the point 612 00:33:20.280 --> 00:33:24.040 where it's now happening, is that especially for remote access 613 00:33:24.040 --> 00:33:28.760 software, very often criminals, especially in things like investment scams 614 00:33:28.840 --> 00:33:32.000 and they will I will guide you through the process. 615 00:33:32.200 --> 00:33:36.080 So if you go to this website, say, for instance, teamviewer or a number of 616 00:33:36.080 --> 00:33:40.000 different products out there as well, they are completely legitimate platforms. 617 00:33:40.000 --> 00:33:42.720 The software you're your platform, your your antivirus 618 00:33:42.720 --> 00:33:45.720 won't flag it because it's again, legitimate software 619 00:33:45.920 --> 00:33:48.920 used for things like it support and all these sorts of things. 620 00:33:49.000 --> 00:33:50.200 So they are used. 621 00:33:50.200 --> 00:33:54.080 But the problem is it gives whoever is actually kind 622 00:33:54.080 --> 00:33:57.920 of directing that individual complete access over the computer. 623 00:33:58.000 --> 00:34:00.160 So very often I will guide you through the process, 624 00:34:00.160 --> 00:34:03.440 but actually in the background I could be taking information, taking 625 00:34:03.440 --> 00:34:06.440 data, downloading something on the app on your computer, 626 00:34:06.560 --> 00:34:07.960 something along those lines. 627 00:34:07.960 --> 00:34:10.320 So if you do get to that point, 628 00:34:10.320 --> 00:34:12.800 unfortunately, it does come down to the fact that if you 629 00:34:12.800 --> 00:34:15.960 then realize, hold on a second, something's going on, 630 00:34:16.040 --> 00:34:20.320 you don't have necessarily direct access over your computer at that moment. 631 00:34:20.400 --> 00:34:23.920 So very often it is turning off the computer because 632 00:34:23.920 --> 00:34:29.800 you want to get shut access to that person as quickly as humanly possible. 633 00:34:29.880 --> 00:34:32.560 Or it could be if you're closer to the router, cut 634 00:34:32.560 --> 00:34:35.760 the router off, etc., to be able to stop the connection. 635 00:34:35.920 --> 00:34:40.040 If you are literally in that moment of realization of going holding the second 636 00:34:40.280 --> 00:34:44.320 somebody's done it, if you've got malware downloaded on your platform, 637 00:34:44.320 --> 00:34:48.320 it's about running a scan with your antivirus and firewall systems. 638 00:34:48.400 --> 00:34:50.800 And again depending on the severity of the malware, 639 00:34:50.800 --> 00:34:53.680 then you may need to get support for that as well. 640 00:34:53.680 --> 00:34:56.080 But generally speaking is that 641 00:34:56.080 --> 00:34:58.600 I am still going back to the C.A.U.S.E was going back 642 00:34:58.600 --> 00:35:02.080 to the Context of Authority, Urgency, Scarcity and Emotion 643 00:35:02.160 --> 00:35:06.040 is that that's how I'm going to get you to download it in the first place. 644 00:35:06.120 --> 00:35:09.960 So in those moments is yes, we've seen lot of these rises 645 00:35:09.960 --> 00:35:13.560 of different malware and ransomware and all these sorts of things. 646 00:35:13.640 --> 00:35:17.000 But generally speaking, it does come down to that emotional 647 00:35:17.000 --> 00:35:19.360 mindfulness in the first place because our intuitions 648 00:35:19.360 --> 00:35:22.200 doesn't necessarily have a great deal to go on in those moments. 649 00:35:22.200 --> 00:35:24.880 So it's about stopping. 650 00:35:24.880 --> 00:35:28.800 Brilliant. Thank you, Paul. And again, 651 00:35:28.880 --> 00:35:31.360 very insightful and great advice on how to protect ourselves 652 00:35:31.360 --> 00:35:34.640 and become more aware of things like suspicious links, fake websites 653 00:35:34.640 --> 00:35:38.760 and of course, malicious software and should use following of not both. 654 00:35:38.760 --> 00:35:43.640 Further advice can we give to protect vulnerable individuals from scams? 655 00:35:43.640 --> 00:35:45.840 Because as we've seen already, just in this session 656 00:35:45.840 --> 00:35:47.800 alone, how much we've covered off. 657 00:35:47.800 --> 00:35:49.880 But when we look at all the different types of scams 658 00:35:49.880 --> 00:35:54.160 out there, impersonation scams, purchase scams, money, mules, 659 00:35:54.240 --> 00:35:58.400 what can we do to support maybe those different age demographics 660 00:35:58.400 --> 00:36:02.240 or people who may be too trusting of these types of contacts? 661 00:36:02.240 --> 00:36:07.040 Yeah, I think first of all, it's about realizing that 662 00:36:07.120 --> 00:36:10.120 we if we are human being, 663 00:36:10.160 --> 00:36:14.120 if you are a human being, you are vulnerable to scams. 664 00:36:14.240 --> 00:36:18.000 Unfortunately, is that very often we have this kind of overconfidence 665 00:36:18.000 --> 00:36:22.200 that it isn't just elderly people, it isn't just well, 666 00:36:22.280 --> 00:36:26.240 it is purely on the basis that after probably nigh on nine years 667 00:36:26.240 --> 00:36:30.880 of looking into the behavioral science around online manipulation, online 668 00:36:30.880 --> 00:36:35.000 scams, social engineering, I realized that actually we're all susceptible. 669 00:36:35.000 --> 00:36:36.720 We've all been, like I said before, 670 00:36:36.720 --> 00:36:40.400 we've all been told something that we wanted to hear at probably the wrong time. 671 00:36:40.480 --> 00:36:45.040 And especially in an online environment, we we often project our own feelings. 672 00:36:45.120 --> 00:36:49.600 So for instance, in things like romance scams, what am I really exploiting? 673 00:36:49.600 --> 00:36:52.560 Well, actually I'm lonely and isolated. 674 00:36:52.560 --> 00:36:55.760 I feel depressed. I can be anxious. 675 00:36:55.760 --> 00:36:58.520 I can be I have a number of emotions that are going on for me. 676 00:36:58.520 --> 00:37:01.840 I might be isolated from my family or these or situations, 677 00:37:01.920 --> 00:37:04.800 but very often somebody coming out of the blue and going, You know what? 678 00:37:04.800 --> 00:37:07.800 I think you're incredible. I want to spend my life with you. 679 00:37:07.800 --> 00:37:12.760 That that can be incredibly powerful and very often is that. 680 00:37:12.920 --> 00:37:13.960 Have you ever had a friend 681 00:37:13.960 --> 00:37:16.600 that has been in a relationship that they shouldn't be in? 682 00:37:16.600 --> 00:37:17.880 Have you tried to tell them? 683 00:37:17.880 --> 00:37:21.840 Again, it's an incredibly challenging situation 684 00:37:22.000 --> 00:37:24.920 and that is no different to what Ryan was talking about in relation 685 00:37:24.920 --> 00:37:29.960 to what we try and do from a banking point of view in, you know what? 686 00:37:29.960 --> 00:37:32.040 This is the point where you're transferring money. 687 00:37:32.040 --> 00:37:35.080 This is the point where we believe that this could be a scam. 688 00:37:35.280 --> 00:37:37.360 And very often people will be in that situation 689 00:37:37.360 --> 00:37:39.680 where they go, I'm in love with the person. 690 00:37:39.680 --> 00:37:43.440 I'm I'm I'm involved in an incredibly investment opportunity. 691 00:37:43.640 --> 00:37:45.680 I want to buy this product. 692 00:37:45.680 --> 00:37:47.560 Why should I believe otherwise? 693 00:37:47.560 --> 00:37:51.920 So in these sorts of situations is it's first of all, realizing that we are 694 00:37:52.160 --> 00:37:56.440 vulnerable and human beings aren't great at admitting that most of the time. 695 00:37:56.600 --> 00:37:59.600 But this is very much the case and that's the first real step. 696 00:37:59.760 --> 00:38:01.840 But on top of that is that again, 697 00:38:01.840 --> 00:38:05.480 think about the level of trust that we can have in our information. 698 00:38:05.560 --> 00:38:11.040 So whether it's an online product or a holiday or all these sorts of things, 699 00:38:11.280 --> 00:38:12.880 I only really need an image 700 00:38:12.880 --> 00:38:16.240 that I could have stolen from anywhere else on the Internet, 701 00:38:16.320 --> 00:38:19.080 put it onto a marketplace or social media, 702 00:38:19.080 --> 00:38:21.800 and then basically, you know, this this much. 703 00:38:21.800 --> 00:38:25.520 So very often it's the case where actually there's very little verification 704 00:38:25.520 --> 00:38:26.800 needed for that. 705 00:38:26.800 --> 00:38:31.240 So very often it's having that kind of healthy level of cynicism, realizing, 706 00:38:31.240 --> 00:38:35.000 how do I go about making this trust much stronger? 707 00:38:35.160 --> 00:38:38.440 How do I that's terrible English, but you know what I mean? 708 00:38:38.520 --> 00:38:40.400 But it's again, it's about verifying. 709 00:38:40.400 --> 00:38:43.680 It's trusting and verifying in those situations. 710 00:38:43.760 --> 00:38:46.440 And very often things like again, 711 00:38:46.440 --> 00:38:51.600 when we are asked to give away access to whether it's our information, our data, 712 00:38:51.680 --> 00:38:54.360 but also often it's about our bank accounts as well. 713 00:38:54.360 --> 00:38:57.080 And so in recent years we've seen a massive rise 714 00:38:57.080 --> 00:38:58.480 in what's called money mules. 715 00:38:58.480 --> 00:39:02.000 So individuals who have relinquished a certain amount of control 716 00:39:02.000 --> 00:39:03.800 over their bank accounts 717 00:39:03.800 --> 00:39:07.680 and allow criminals to essentially launder and funnel 718 00:39:07.680 --> 00:39:12.240 the funds into those bank accounts and utilize them for criminal purposes. 719 00:39:12.320 --> 00:39:13.640 Now, some people, 720 00:39:13.640 --> 00:39:17.880 some people that we arrest will have 45, 50 banking apps on their phone. 721 00:39:17.880 --> 00:39:20.480 They're completely witting in these sorts of situations. 722 00:39:20.480 --> 00:39:23.480 They are a criminal in and of themselves and they facilitate it. 723 00:39:23.720 --> 00:39:28.320 But actually the grand majority of people that are unwitting in these situations, 724 00:39:28.480 --> 00:39:31.280 they're being groomed, they're being coerced in these situations. 725 00:39:31.280 --> 00:39:34.400 They may have been incentivized with gift cards or money 726 00:39:34.400 --> 00:39:37.400 or a percentage of it to give access away from it as well. 727 00:39:37.640 --> 00:39:42.200 So very often it is about can you can't go through life without trusting 728 00:39:42.200 --> 00:39:47.040 some people, but it's also about verifying that trust in the first place. 729 00:39:47.120 --> 00:39:47.680 Amazing. 730 00:39:47.680 --> 00:39:49.040 Thank you so much, Paul. 731 00:39:49.040 --> 00:39:52.160 And again, one really important topic that you touched on there 732 00:39:52.160 --> 00:39:55.880 was that element of money muling in particular. 733 00:39:55.880 --> 00:39:59.200 And this might be one for you, Ryan, that you could share a bit more insight on. 734 00:39:59.200 --> 00:40:03.200 If you do inadvertently facilitate money laundering, 735 00:40:03.280 --> 00:40:06.880 can you actually be prosecuted for that? 736 00:40:06.960 --> 00:40:07.400 Yeah. 737 00:40:07.400 --> 00:40:11.120 So it is a really good one and it comes down exactly to what Paul just mentioned. 738 00:40:11.120 --> 00:40:15.120 So it's the whole witting or unwitting scenario. 739 00:40:15.200 --> 00:40:18.320 The reality is, at least from a banking perspective, 740 00:40:18.320 --> 00:40:21.520 it all comes down to how much does 741 00:40:21.600 --> 00:40:24.200 that the Money Mule in terms of let's say 742 00:40:24.200 --> 00:40:28.000 it was a Barclays customer, actually realized what they're doing 743 00:40:28.080 --> 00:40:30.600 because it's actually what we've just mentioned a lot of the time. 744 00:40:30.600 --> 00:40:32.400 They don't realize what's actually happening. 745 00:40:32.400 --> 00:40:36.560 They've given someone else access to their account in order 746 00:40:36.560 --> 00:40:41.200 for maybe a quick payoff or it's with what we said, maybe some little bit of money 747 00:40:41.200 --> 00:40:44.760 left behind in the account after it's all said and done or something like that. 748 00:40:44.840 --> 00:40:50.040 The reality is if someone is is sort of found 749 00:40:50.040 --> 00:40:54.360 unwitting, ultimately what we need to do is it's education more than I think. 750 00:40:54.360 --> 00:40:59.160 So if we if we come across the situation where we'd have to investigate 751 00:40:59.160 --> 00:41:02.120 the customer, we've looked at them and we've said, you know what, 752 00:41:02.120 --> 00:41:03.840 this doesn't quite look right. 753 00:41:03.840 --> 00:41:06.560 We will have a thorough, thorough investigation into them 754 00:41:06.560 --> 00:41:10.080 and we'll basically come up with an outcome if we deem it to be unwitting, 755 00:41:10.160 --> 00:41:11.760 we will still close their account. 756 00:41:11.760 --> 00:41:14.280 So we will close their account with us as a bank 757 00:41:14.280 --> 00:41:16.920 because it's potentially a risk to business. 758 00:41:16.920 --> 00:41:19.560 It's a risk if a customer basically. 759 00:41:19.560 --> 00:41:23.120 But the reality is more often than not, it's more down to the education. 760 00:41:23.280 --> 00:41:26.720 So it's making that customer aware of what they've done, 761 00:41:26.920 --> 00:41:29.440 that it's obviously illegal because sometimes they don't even realize 762 00:41:29.440 --> 00:41:32.320 what they're doing is actually illegal. 763 00:41:32.400 --> 00:41:33.960 And and then it kind 764 00:41:33.960 --> 00:41:37.000 of goes from there if you're looking at it on the other side. 765 00:41:37.000 --> 00:41:40.760 So you're looking at where we have clear evidence that they are witting think 766 00:41:40.800 --> 00:41:43.280 they are fully aware of what they're doing. 767 00:41:43.280 --> 00:41:46.600 All that type of stuff is simply a case of close 768 00:41:46.600 --> 00:41:48.080 their account down straightaway 769 00:41:48.080 --> 00:41:51.800 and we ultimately upload them onto a fraud database to basically 770 00:41:51.800 --> 00:41:55.440 let the other banks know that this person is fraudulent. 771 00:41:55.480 --> 00:41:59.400 This person has been found to a bit of possession or in the in 772 00:41:59.400 --> 00:42:04.000 the process of trying to move fraudulent funds in and out of their account. 773 00:42:04.080 --> 00:42:07.240 And then basically it has a massive knock on effect 774 00:42:07.240 --> 00:42:12.080 because if you are found to be witting and to be found as an actual mule, 775 00:42:12.160 --> 00:42:14.840 you potentially are not going to be able to get anything 776 00:42:14.840 --> 00:42:17.880 like a mortgage or open up another account or something like that. 777 00:42:17.880 --> 00:42:20.520 And the reality is with a lot of these 778 00:42:20.520 --> 00:42:24.600 people that are unwitting, they do tend to be the younger customer. 779 00:42:24.680 --> 00:42:30.000 And the reality is when they kind of get recruited into these type of situations, 780 00:42:30.000 --> 00:42:34.480 they don't realize what the repercussions are of them actually being part of this. 781 00:42:34.560 --> 00:42:38.080 So that's why the education of this is so important 782 00:42:38.080 --> 00:42:40.680 in making them aware of what does actually happen, 783 00:42:40.680 --> 00:42:43.680 what is the process and what can ultimately be the outcome. 784 00:42:43.760 --> 00:42:46.280 If they do carry on doing this, 785 00:42:46.280 --> 00:42:50.480 it can have such a such a big impact on them later on in life. 786 00:42:50.560 --> 00:42:51.000 Really? 787 00:42:51.000 --> 00:42:53.960 Ryan, I think I think that really links back to everything 788 00:42:53.960 --> 00:42:57.240 that we have mentioned in that session today. 789 00:42:57.240 --> 00:43:00.960 It's all about the education piece building and expanding our knowledge 790 00:43:01.160 --> 00:43:04.520 because that's going to better equipped us to be able to identify and of course 791 00:43:04.520 --> 00:43:08.480 avoid falling victim to these types of fraud and scams. 792 00:43:08.560 --> 00:43:12.040 So that is absolutely brilliant that we have a lot of different questions 793 00:43:12.040 --> 00:43:16.760 coming in around things like cryptocurrency and social media platforms. 794 00:43:16.760 --> 00:43:20.880 So I think one I'd love to get some more insight from your self on Ryan, would be 795 00:43:20.960 --> 00:43:25.360 I get a lot of messages on social media to invest in cryptocurrencies. 796 00:43:25.360 --> 00:43:30.520 So do we get many reports of people being scammed in that way? 797 00:43:30.600 --> 00:43:31.800 Yeah, absolutely. 798 00:43:31.800 --> 00:43:34.560 So when we talk about trends and stuff 799 00:43:34.560 --> 00:43:38.480 that sort of occurs more often than not and that type of stuff, 800 00:43:38.560 --> 00:43:43.280 cryptocurrency at the minute is one of the biggest ones that we're seeing. 801 00:43:43.360 --> 00:43:46.320 The reality is, is cryptocurrency 802 00:43:46.320 --> 00:43:49.080 in the grand scheme of things, is actually still very, very new. 803 00:43:49.080 --> 00:43:51.120 So yes, it's been around close to a decade, 804 00:43:51.120 --> 00:43:54.280 but if you're looking at it from its popularity, 805 00:43:54.280 --> 00:43:57.840 I guess if you're looking at it from that perspective, it's very, very new. 806 00:43:57.920 --> 00:44:00.440 And the reality is a lot of people 807 00:44:00.440 --> 00:44:04.280 don't know the full ins and outs, myself included. 808 00:44:04.280 --> 00:44:08.400 I know enough from my role, but if you were to turn around to me 809 00:44:08.400 --> 00:44:12.480 tomorrow and say, What about X, Y, Z, what should I be investing in? 810 00:44:12.560 --> 00:44:13.840 I'm no expert in that. 811 00:44:13.840 --> 00:44:18.360 But what we do see is a lot of crypto scams that are coming in 812 00:44:18.440 --> 00:44:21.320 and also it's how to spot them. 813 00:44:21.320 --> 00:44:25.160 So what I mentioned kind of at the beginning of this is 814 00:44:25.240 --> 00:44:27.560 most often than not what we see with cryptocurrency 815 00:44:27.560 --> 00:44:31.040 scams is where a customer is being given almost something. 816 00:44:31.040 --> 00:44:34.560 And it's a phrase that we use a lot is, is it too good to be true? 817 00:44:34.640 --> 00:44:38.480 So we probably hear that a lot in life and sometimes it can come across 818 00:44:38.480 --> 00:44:40.520 as a bit of a negative thing. 819 00:44:40.520 --> 00:44:42.760 But the reality is if you're being promised 820 00:44:42.760 --> 00:44:47.280 a return on your investment, that is, they're saying they're going to triple, 821 00:44:47.280 --> 00:44:51.080 quadruple, whatever it would be your investment in a matter of days. 822 00:44:51.080 --> 00:44:55.640 The reality is that is not the case with a cryptocurrency investment. 823 00:44:55.720 --> 00:44:59.360 What we are finding, what we've come across recently is 824 00:44:59.440 --> 00:45:02.120 you'll be asked or contacted through social media. 825 00:45:02.120 --> 00:45:04.720 So you might see an advertisement through it, through, let's 826 00:45:04.720 --> 00:45:06.560 say, Instagram, for instance. 827 00:45:06.560 --> 00:45:10.800 You contact them and then you'll actually get a call from the scammer saying, 828 00:45:11.000 --> 00:45:13.400 Send money to this account or open up your account 829 00:45:13.400 --> 00:45:17.400 and this cryptocurrency platform or whatever it would be. 830 00:45:17.480 --> 00:45:20.280 And then basically they'll get you to deposit a small amount of money. 831 00:45:20.280 --> 00:45:24.720 So this could be anything from £10, £20, £30, whatever it would be. 832 00:45:24.800 --> 00:45:28.360 And what they would do is they will transfer you back, 833 00:45:28.360 --> 00:45:31.680 say 60, 70, £80 or something like that. 834 00:45:31.760 --> 00:45:36.080 So from the consumer's perspective, you'll be looking at that thinking, 835 00:45:36.240 --> 00:45:39.280 my God, I've just made a double on my investment 836 00:45:39.280 --> 00:45:41.480 in a matter of days or something like that. 837 00:45:41.480 --> 00:45:42.760 That's how they'll get you. 838 00:45:42.760 --> 00:45:46.280 And then basically they'll say, Right now, put in more and you might put in 200 839 00:45:46.280 --> 00:45:49.280 or 300, 400, a thousand, whatever it would be, 840 00:45:49.440 --> 00:45:52.080 and that's when they will take that money. 841 00:45:52.080 --> 00:45:55.920 Another thing that we do see is when it comes to that point as well, 842 00:45:56.000 --> 00:45:59.280 you start getting contacted by these these quote unquote, 843 00:45:59.280 --> 00:46:04.080 financial advisers who have basically been helping you make this payment 844 00:46:04.160 --> 00:46:06.080 and now basically say you need to send them 845 00:46:06.080 --> 00:46:09.560 a fee in order to get your return on your investment or something like that. 846 00:46:09.560 --> 00:46:13.440 This is a common trick that's that's used especially in the investment world 847 00:46:13.440 --> 00:46:17.280 or the investment scams world from what I see personally. 848 00:46:17.360 --> 00:46:21.120 So it's definitely something to keep an eye out, 849 00:46:21.200 --> 00:46:23.360 especially, especially, 850 00:46:23.360 --> 00:46:25.800 like I said, when you're getting it in for the first time, 851 00:46:25.800 --> 00:46:28.280 one of the things that we do typically say to our customers 852 00:46:28.280 --> 00:46:30.960 is how much research have you actually done into this? 853 00:46:30.960 --> 00:46:33.640 What you, the one has actively sought the investment, 854 00:46:33.640 --> 00:46:36.640 or if you've been contacted by someone about the investment, 855 00:46:36.800 --> 00:46:38.880 Because if he's getting told that someone's contacted 856 00:46:38.880 --> 00:46:45.080 you about the investment, that is what we what we would claim is a red flag. 857 00:46:45.160 --> 00:46:45.680 Brilliant. 858 00:46:45.680 --> 00:46:47.000 Thank you very much, Ryan. 859 00:46:47.000 --> 00:46:49.280 So again, I think the key thing to remember 860 00:46:49.280 --> 00:46:52.280 not only with cryptocurrencies but what any type of investment will be, 861 00:46:52.280 --> 00:46:56.800 definitely need to do that research to seek independent financial advice 862 00:46:56.800 --> 00:46:59.360 before investing any money because those investments 863 00:46:59.360 --> 00:47:02.600 can obviously decrease as well as increase them. 864 00:47:02.600 --> 00:47:06.440 When you add in that extra element of is this potentially a scam 865 00:47:06.520 --> 00:47:09.880 doing those checks and making sure the companies are actually regulated 866 00:47:09.880 --> 00:47:14.360 to provide those products is such an important topic and a step to take. 867 00:47:14.440 --> 00:47:17.640 And just before we go on to our last couple of questions 868 00:47:17.640 --> 00:47:19.080 Paul, I just want to come back over to yourself 869 00:47:19.080 --> 00:47:20.960 to see if you have anything that you'd like to add 870 00:47:20.960 --> 00:47:24.720 in on those investment and cryptocurrency scams. 871 00:47:24.800 --> 00:47:26.640 Yeah, of course, because I think 872 00:47:26.640 --> 00:47:29.520 especially a cryptocurrency investment scam is that they work 873 00:47:29.520 --> 00:47:31.800 very much in the same way as any other investment scams. 874 00:47:31.800 --> 00:47:35.920 So we've seen things like fine wine scams, we've seen whiskey barrel scams, 875 00:47:35.920 --> 00:47:38.920 we've seen gold bullion scams, we've seen 876 00:47:39.160 --> 00:47:43.320 basically in asset class here, basically in relation to investments, 877 00:47:43.520 --> 00:47:45.680 depending on what's going on in the economy, 878 00:47:45.680 --> 00:47:47.960 depending on what's going on in the media, in the news, 879 00:47:47.960 --> 00:47:51.920 generally speaking, they're incredibly good at making it contextually relevant 880 00:47:52.120 --> 00:47:55.040 to what's going on in the world, and especially with crypto over the last 2 881 00:47:55.040 --> 00:47:56.280 to 3 years. 882 00:47:56.280 --> 00:47:59.560 It's kind of shot up in that kind of saturation in the environment as well. 883 00:47:59.640 --> 00:48:04.280 But from a criminal side, this is again from Ryan was talking about in relation 884 00:48:04.280 --> 00:48:08.080 to that impact and that people don't necessarily know the mechanics behind it, 885 00:48:08.320 --> 00:48:12.880 but also I'm reliant on that as a criminal because you know what actually, 886 00:48:12.960 --> 00:48:15.520 although the grand majority of crypto is 887 00:48:15.520 --> 00:48:19.200 is very much legitimate, there's different working processes for it. 888 00:48:19.400 --> 00:48:22.280 The different applications I train a lot of the banks 889 00:48:22.280 --> 00:48:25.320 and law enforcement in crypto, but generally speaking, it 890 00:48:25.320 --> 00:48:28.920 reduces the need, the ability for me to be found. 891 00:48:29.000 --> 00:48:34.200 So generally speaking, if I've invested and I put a load into crypto from a from a 892 00:48:34.280 --> 00:48:37.720 from fraud point of view, from a criminal gains point of view, 893 00:48:37.800 --> 00:48:41.800 it's it's a little harder to investigate to 894 00:48:41.880 --> 00:48:44.560 and to be able to identify. 895 00:48:44.560 --> 00:48:48.040 So very often in these situations is that I'm relying on 896 00:48:48.080 --> 00:48:49.280 cryptocurrency has a both 897 00:48:49.280 --> 00:48:52.880 a brilliant fantastic thing that the victim doesn't know what's going on 898 00:48:53.080 --> 00:48:54.720 and they don't know the mechanics and they don't 899 00:48:54.720 --> 00:48:57.200 necessarily have the avenues to do that research. 900 00:48:57.200 --> 00:49:00.600 But actually on the other side is it means that I can actually launder 901 00:49:00.600 --> 00:49:03.960 my money in a much more effective fashion on crypto 902 00:49:04.040 --> 00:49:07.040 because if you transfer money to the wrong a bank account, 903 00:49:07.040 --> 00:49:10.800 you have an institution to be able to help you get your money back. 904 00:49:10.880 --> 00:49:14.040 Crypto, once it's gone, it's gone. 905 00:49:14.120 --> 00:49:17.080 It's there's there's no there's no repercussions. 906 00:49:17.080 --> 00:49:20.440 There's no overarching organization that can say, you know what, 907 00:49:20.520 --> 00:49:21.920 we will get your crypto back. 908 00:49:21.920 --> 00:49:23.160 No, that's not how it works. 909 00:49:23.160 --> 00:49:27.720 Unfortunately. 910 00:49:27.800 --> 00:49:28.280 Brilliant. 911 00:49:28.280 --> 00:49:29.960 Thank you so much, Paul. 912 00:49:29.960 --> 00:49:32.240 Again, I think that's that's just so important. 913 00:49:32.240 --> 00:49:33.400 The key thing to remember 914 00:49:33.400 --> 00:49:38.040 there is if those deals or offers sell good to be true, they probably are. 915 00:49:38.120 --> 00:49:42.280 And that is often going to make victims less inclined to properly question 916 00:49:42.280 --> 00:49:46.040 their own decisions as they may be focused on, you know, getting that product 917 00:49:46.040 --> 00:49:50.160 or service for the best possible deal or growing their assets when investing. 918 00:49:50.240 --> 00:49:53.600 So again, just a really kind of solid message from us all would be 919 00:49:53.600 --> 00:49:57.800 that when considering taking out any types of financial products or services, 920 00:49:57.880 --> 00:50:03.480 always do seek that independent financial advice prior to doing so. 921 00:50:03.560 --> 00:50:04.920 So I think a 922 00:50:04.920 --> 00:50:08.120 theme that we it off today, guys, was purchase scams. 923 00:50:08.120 --> 00:50:11.880 And naturally with this time of year it's absolutely applicable. 924 00:50:11.960 --> 00:50:14.960 So just before we closed off all of the session and share 925 00:50:14.960 --> 00:50:18.600 some resources with our audience, I suppose kind of I'd 926 00:50:18.600 --> 00:50:22.240 just like to recap any of those key points that you would like to share 927 00:50:22.400 --> 00:50:26.040 with how we actually avoid falling to purchase scams. 928 00:50:26.240 --> 00:50:27.880 And we'll also see if we can and we can get one 929 00:50:27.880 --> 00:50:32.520 or two more questions in there then as well. 930 00:50:32.600 --> 00:50:34.640 So I think from a purchase scam point of view, 931 00:50:34.640 --> 00:50:38.720 going back to what I've said before, is how little amount of information 932 00:50:38.720 --> 00:50:41.680 do I need to convince you that I have a product to sell. 933 00:50:41.680 --> 00:50:43.640 So if I'm a seller, for instance, 934 00:50:43.640 --> 00:50:47.600 so whether that be on a social media marketplace, whether that be on Instagram 935 00:50:47.600 --> 00:50:51.240 or social media or it's an email or it's a website, 936 00:50:51.320 --> 00:50:55.400 is that there's very little verification that I have in my possession. 937 00:50:55.400 --> 00:50:57.920 The product for me to sell to you. 938 00:50:57.920 --> 00:51:00.520 Now, we've seen rises in holiday scams. 939 00:51:00.520 --> 00:51:03.560 We've seen a rise in things like rental fraud in the last year, 940 00:51:03.560 --> 00:51:08.840 especially with kind of high rental prices and prices and competition. 941 00:51:08.920 --> 00:51:12.960 All of these sorts of things contribute it and purchase scams kind of covers 942 00:51:12.960 --> 00:51:17.920 a lot of these different multitudes of of methods in order to do so. 943 00:51:18.000 --> 00:51:22.800 So very often in these sorts of purchase scams is again, it's taking that aspect. 944 00:51:22.800 --> 00:51:26.120 So for instance, I can go on to a website or I can go to a seller. 945 00:51:26.360 --> 00:51:28.240 Well, actually, if I go to a different website 946 00:51:28.240 --> 00:51:32.640 that's not necessarily regulated or is not necessarily got like those security 947 00:51:32.640 --> 00:51:36.960 in those processes, it's about making sure that you read reviews, 948 00:51:37.200 --> 00:51:40.880 absolutely read reviews around a potential brand, 949 00:51:41.120 --> 00:51:44.760 a potential product or a potential seller, for instance, 950 00:51:44.760 --> 00:51:48.400 in these given situations to, again, get the measure of support 951 00:51:48.480 --> 00:51:52.200 potentially, some people have been victim victimized a bit before. 952 00:51:52.280 --> 00:51:57.840 So I think all these given situations, how do I trust that that product exists? 953 00:51:57.920 --> 00:52:01.720 And unfortunately very often in today's world, it's it's very difficult 954 00:52:01.720 --> 00:52:06.360 to do sometimes, but very often it's also checking your emotion. 955 00:52:06.440 --> 00:52:09.320 Very often we're excited when we've seen those deals, 956 00:52:09.320 --> 00:52:11.840 and very often when we talk about it, it's too good to be true. 957 00:52:11.840 --> 00:52:14.440 Well, actually, very often we don't in an emotional state, 958 00:52:14.440 --> 00:52:17.280 we don't do what is good in those situations. 959 00:52:17.280 --> 00:52:20.000 So doing that, trusting and verifying, 960 00:52:20.000 --> 00:52:25.160 taking those processes, reading reviews, making sure that you try, 961 00:52:25.240 --> 00:52:26.240 try and make sure 962 00:52:26.240 --> 00:52:29.240 that you kind of concentrate on more of the beaten track 963 00:52:29.280 --> 00:52:33.200 in relation to online websites and and trusted websites as well. 964 00:52:33.200 --> 00:52:34.480 Very often is the case 965 00:52:34.480 --> 00:52:35.000 because there's nothing, 966 00:52:35.000 --> 00:52:38.120 no regulation stopping me from creating any other website, etc. 967 00:52:38.280 --> 00:52:41.680 and to try and sell you something that doesn't even exist in the first place. 968 00:52:41.760 --> 00:52:44.280 So that's what my advice is. 969 00:52:44.280 --> 00:52:45.560 It's brilliant. 970 00:52:45.560 --> 00:52:47.120 That's absolutely excellent. 971 00:52:47.120 --> 00:52:50.240 Paul And then I think we definitely have time for one more question, 972 00:52:50.240 --> 00:52:52.960 and you will both have to forgive me because I'm going to open this one up 973 00:52:52.960 --> 00:52:57.400 the both here and I am kind of asking you to predict the future a little bit here. 974 00:52:57.480 --> 00:53:00.280 And but as technology advances, 975 00:53:00.280 --> 00:53:04.200 what do we predict the next big scam is going to be? 976 00:53:04.200 --> 00:53:07.120 Or what are we doing as organizations 977 00:53:07.120 --> 00:53:12.560 to raise awareness about new types of fraud and scams? 978 00:53:12.640 --> 00:53:14.840 Yeah, so one thing, 979 00:53:14.840 --> 00:53:16.480 at least from our perspective, 980 00:53:16.480 --> 00:53:19.520 we've already kind of looked at or we're already aware of, 981 00:53:19.520 --> 00:53:23.720 and we've got sort of measures starting to be developed and stuff like that is, 982 00:53:23.800 --> 00:53:28.440 as I'm sure everyone has probably heard recently, is the impact of AI, 983 00:53:28.520 --> 00:53:31.760 deepfakes, voice, biometrics, that type of stuff. 984 00:53:31.760 --> 00:53:34.640 So it's very much it's becoming. 985 00:53:34.640 --> 00:53:37.360 So when we spoke at the very, very beginning of the call 986 00:53:37.360 --> 00:53:43.080 about the digitization of fraud and scams and stuff like that, that's developing, 987 00:53:43.160 --> 00:53:47.120 that's the reality of AI, probably what's going to be happening next 988 00:53:47.200 --> 00:53:53.000 and and what's AI is potentially going to bring to that aspect. 989 00:53:53.000 --> 00:53:56.720 And like we said, and unfortunately fraudsters and stuff 990 00:53:56.720 --> 00:53:58.440 like that, they're developing. 991 00:53:58.440 --> 00:54:02.320 So at least from our perspective, that's probably what's going to be 992 00:54:02.320 --> 00:54:03.080 coming around the corner. 993 00:54:03.080 --> 00:54:07.280 But as I say, there is stuff behind the scenes in our in our voice 994 00:54:07.360 --> 00:54:11.480 and in our stuff that's that's being developed within our our cybercrime team. 995 00:54:11.480 --> 00:54:15.800 Basically. 996 00:54:15.880 --> 00:54:16.760 And I think 997 00:54:16.760 --> 00:54:19.920 on top of that is it's like I've said, around the limited level 998 00:54:19.920 --> 00:54:23.520 level of verification that I need to convince you I am who I say I am 999 00:54:23.520 --> 00:54:28.920 or a product or a holiday or anything like that or an investment opportunity. 1000 00:54:29.000 --> 00:54:34.320 Unfortunately, things like AI Deepfake does kind of almost reduce 1001 00:54:34.400 --> 00:54:38.160 that level of trust that we can have in the content in which we can see. 1002 00:54:38.240 --> 00:54:42.200 So very often is the case where we are vulnerable to fraud and scams 1003 00:54:42.200 --> 00:54:46.920 in the same way that we are vulnerable to disinformation, misinformation, 1004 00:54:47.000 --> 00:54:51.840 online grooming, online dating, coercion, everything comes down to it 1005 00:54:51.840 --> 00:54:54.840 because have you ever taken a text message the wrong way from a partner? 1006 00:54:54.960 --> 00:54:56.040 Have you ever taken an email 1007 00:54:56.040 --> 00:54:58.960 the wrong way from a colleague or all these sorts of things 1008 00:54:58.960 --> 00:55:01.760 is because our emotional relationship with our technology 1009 00:55:01.760 --> 00:55:05.960 in these seamless, subjective forms, very often it takes takes real presidents 1010 00:55:06.040 --> 00:55:10.280 and importantly things like with AI and Deepfake, it again 1011 00:55:10.360 --> 00:55:13.800 reinforces things like the context and authority and urgency, 1012 00:55:13.800 --> 00:55:17.520 making it much more believable, maybe making the language a lot more 1013 00:55:17.600 --> 00:55:20.200 convincing in these sorts of situations. 1014 00:55:20.200 --> 00:55:24.760 But again, regardless of any of these different changes in the future, 1015 00:55:24.840 --> 00:55:27.440 it's going to be your emotion that is triggered, 1016 00:55:27.440 --> 00:55:28.680 it is going to be your emotions. 1017 00:55:28.680 --> 00:55:32.120 And then unfortunately for me, from a psychology 1018 00:55:32.200 --> 00:55:35.200 point of view that's going to move a lot slower than anything else. 1019 00:55:35.200 --> 00:55:39.080 So asking you to have those moments, regardless of what you're reading, 1020 00:55:39.080 --> 00:55:43.600 what you're seeing, what you're exposed to, having that emotional moment to go, 1021 00:55:43.680 --> 00:55:49.800 is this something I can trust, stop, challenge and protect in those moments? 1022 00:55:49.880 --> 00:55:50.720 Fantastic. 1023 00:55:50.720 --> 00:55:54.360 Thank you both so much for our time for that insight and of course, for giving 1024 00:55:54.360 --> 00:55:58.520 up your time to join the event today and sharing your expertise with us all. 1025 00:55:58.760 --> 00:56:02.840 And of course, thank you to our audience who have joined us for the session today. 1026 00:56:02.920 --> 00:56:04.360 And I know I speak for us all. 1027 00:56:04.360 --> 00:56:07.880 When I said we could have kept you here all day talking about these topics. 1028 00:56:07.880 --> 00:56:11.080 And that is just because there are so many different channels, 1029 00:56:11.080 --> 00:56:14.880 so many different tactics that those cyber criminals do use. 1030 00:56:14.960 --> 00:56:18.320 And as we've seen throughout the session, there's lots of different ways 1031 00:56:18.320 --> 00:56:19.880 that they will target us. 1032 00:56:19.880 --> 00:56:23.360 But the best way of protecting ourselves is to continue to expand 1033 00:56:23.360 --> 00:56:27.120 our knowledge on the tactics that they use. 1034 00:56:27.200 --> 00:56:29.800 And thankfully, there are lots of brilliant resources 1035 00:56:29.800 --> 00:56:33.080 available that can support those on our learning journeys. 1036 00:56:33.160 --> 00:56:34.640 The first of which we're going to talk about 1037 00:56:34.640 --> 00:56:37.520 today is the Take Five to Stop Fraud website, 1038 00:56:37.520 --> 00:56:40.520 which Paul has mentioned throughout the session today. 1039 00:56:40.560 --> 00:56:44.160 So Take Five is an initiative led by UK Finance 1040 00:56:44.160 --> 00:56:48.080 and backed by the UK Government and other organizations, and it's designed 1041 00:56:48.080 --> 00:56:53.000 to help you expand your knowledge on how we will be targeted by criminals. 1042 00:56:53.080 --> 00:56:56.720 So if you do receive a phone call, text message or email 1043 00:56:56.720 --> 00:56:59.720 that you think may be fake, it ordered you to stop, 1044 00:56:59.920 --> 00:57:03.680 take five and challenge what you are being told. 1045 00:57:03.760 --> 00:57:06.000 As we've seen today, criminals are experts 1046 00:57:06.000 --> 00:57:09.720 at impersonating people, organizations and of course the police. 1047 00:57:09.800 --> 00:57:13.840 And they will spend hours researching us for their scams. 1048 00:57:13.920 --> 00:57:16.640 So they will be hoping that we let our guard down 1049 00:57:16.640 --> 00:57:21.120 just for that brief moment, that that's where they will see their biggest success. 1050 00:57:21.200 --> 00:57:26.480 So as Paul mentioned, stop and think it could protect you and your money. 1051 00:57:26.560 --> 00:57:30.440 And remember, only criminals will ever try and rush you or panic 1052 00:57:30.440 --> 00:57:33.920 you and to making those quick decisions. 1053 00:57:34.000 --> 00:57:37.680 And we also have a lot of information available through the fraud 1054 00:57:37.680 --> 00:57:41.920 and Scams section of our Barclays.co.uk website. 1055 00:57:42.000 --> 00:57:46.000 This contains lots of information which includes tips to help us identify 1056 00:57:46.000 --> 00:57:50.400 when we're being targeted and how to keep ourselves safe online. 1057 00:57:50.480 --> 00:57:54.200 This includes resources like phone number, checkers and a jargon buster. 1058 00:57:54.200 --> 00:57:55.560 To help you understand 1059 00:57:55.560 --> 00:57:59.960 different words and phrases we use when talking about fraud and scams. 1060 00:58:00.040 --> 00:58:02.600 But we also run regular online 1061 00:58:02.600 --> 00:58:05.960 events to help people learn about fraud and scams. 1062 00:58:06.040 --> 00:58:06.600 And part of 1063 00:58:06.600 --> 00:58:11.600 this is also making our events available through the Barclays.co.uk website. 1064 00:58:11.680 --> 00:58:14.360 Now, I did see we had a lot of questions come through today 1065 00:58:14.360 --> 00:58:16.120 about these forwarder events. 1066 00:58:16.120 --> 00:58:20.240 So through this platform you'll be able to access our impersonation scams event 1067 00:58:20.240 --> 00:58:24.600 where we had our guest speakers to provide insight into the latest trends. 1068 00:58:24.680 --> 00:58:28.000 And we also have our impersonation scams event 1069 00:58:28.080 --> 00:58:31.600 which can give you tips on how to protect yourself when targeted by 1070 00:58:31.600 --> 00:58:34.760 someone claiming to be a friend or family member, 1071 00:58:34.760 --> 00:58:39.480 an organization that you have dealings with, or of course, the police. 1072 00:58:39.560 --> 00:58:40.120 Now, another 1073 00:58:40.120 --> 00:58:43.160 point on the Money Mules event that we ran back in September. 1074 00:58:43.360 --> 00:58:47.560 If you've ever wondered how criminals move stolen money around, money, mules, 1075 00:58:47.560 --> 00:58:50.560 as we heard today, is one of the ways in which they do that. 1076 00:58:50.720 --> 00:58:53.480 And this often involves them approaching young people 1077 00:58:53.480 --> 00:58:57.040 on social media platforms to help them do this. 1078 00:58:57.120 --> 00:58:59.320 So through that event will explain what money 1079 00:58:59.320 --> 00:59:02.320 mules actually are and how to spot those warning signs. 1080 00:59:02.520 --> 00:59:09.080 All of this and much more is accessible through our Barclays.co.uk web platform. 1081 00:59:09.160 --> 00:59:12.360 And then finally, we have our free interactive learning 1082 00:59:12.360 --> 00:59:14.600 platform, Digital Wings. 1083 00:59:14.600 --> 00:59:18.280 This platform is designed to help you boost your digital skills and confidence 1084 00:59:18.280 --> 00:59:23.640 around a variety of different topics, including staying safe online 1085 00:59:23.720 --> 00:59:26.840 through our Online Safety Hub we have lots of information, 1086 00:59:26.840 --> 00:59:31.280 including bite sized learning modules, internal resources and links 1087 00:59:31.280 --> 00:59:34.560 to external organizations who can support us 1088 00:59:34.640 --> 00:59:37.640 all in expanding our knowledge on this important topic, 1089 00:59:37.640 --> 00:59:40.520 which is going to be applicable to each and every one of us. 1090 00:59:40.520 --> 00:59:44.080 Because of course, what we've learned today is scammers do not discriminate. 1091 00:59:44.240 --> 00:59:47.720 They will target any of us at any time. 1092 00:59:47.800 --> 00:59:48.600 And we also 1093 00:59:48.600 --> 00:59:52.360 have a lot of information through that safety board on how to report suspicious 1094 00:59:52.360 --> 00:59:56.600 emails, text messages and phone calls through the relevant channels. 1095 00:59:56.680 --> 00:59:59.960 But we also have a link in that safety call to the National Cyber 1096 00:59:59.960 --> 01:00:03.720 Security Center Cyber Aware Action Plan. 1097 01:00:03.800 --> 01:00:07.560 If you've not heard of this resource, it supports individuals and organizations. 1098 01:00:07.560 --> 01:00:10.040 By having them answer a couple of questions on topics 1099 01:00:10.040 --> 01:00:14.280 like passwords and two step verification, after which they'll be provided 1100 01:00:14.280 --> 01:00:19.200 with a free, personalized list of actions to help improve their cybersecurity, 1101 01:00:19.280 --> 01:00:22.120 which, as we saw, aligns a lot to point fake 1102 01:00:22.120 --> 01:00:25.320 emails or suspicious links about malicious software. 1103 01:00:25.320 --> 01:00:27.760 We talked about today. 1104 01:00:27.760 --> 01:00:29.920 So just to close off the session, it's important 1105 01:00:29.920 --> 01:00:32.920 to remember that anyone can be tricked by a scammer. 1106 01:00:33.160 --> 01:00:36.720 They will change their tactics often and adapt quickly to changes 1107 01:00:36.720 --> 01:00:38.720 in the economic climate. 1108 01:00:38.720 --> 01:00:41.040 And we're constantly uncovering new scams. 1109 01:00:41.040 --> 01:00:43.520 And the best way for us to continue to protect ourselves 1110 01:00:43.520 --> 01:00:46.520 and the people around us is by expanding our knowledge 1111 01:00:46.640 --> 01:00:50.880 on these subjects and sharing that within our networks 1112 01:00:50.960 --> 01:00:54.080 so that everyone we do hope you've enjoyed the event today. 1113 01:00:54.280 --> 01:00:57.960 We will be sending out a short feedback survey off the back of the event 1114 01:00:57.960 --> 01:01:00.960 today where you can share your thoughts on the events. 1115 01:01:01.040 --> 01:01:03.720 You know, we did have so many questions come through today. 1116 01:01:03.720 --> 01:01:06.240 Unfortunately, we didn't get to answer them all. 1117 01:01:06.240 --> 01:01:11.640 But we will be looking at planning our next upskill event in order to of 2024. 1118 01:01:11.640 --> 01:01:13.160 And we will use all of the insight 1119 01:01:13.160 --> 01:01:17.000 you've raised in the meeting today to shape those topics. 1120 01:01:17.080 --> 01:01:20.240 But if you do have anything in particular you'd like to see for the future, 1121 01:01:20.240 --> 01:01:23.640 please do let us know through that feedback survey. 1122 01:01:23.720 --> 01:01:27.480 Any thoughts that you think we could implement to make these events better? 1123 01:01:27.480 --> 01:01:29.240 We will take each of those comments 1124 01:01:29.240 --> 01:01:32.720 and use them to shape our future digital safety events. 1125 01:01:32.800 --> 01:01:36.920 Also, if you really enjoyed the event, the topics were relevant, it's 1126 01:01:36.920 --> 01:01:39.920 giving you a lot of insight that you can now share within your network. 1127 01:01:40.040 --> 01:01:43.120 Those nine and tens are just as important because they reassure us all 1128 01:01:43.120 --> 01:01:45.640 that we're doing the right things for you and our future. 1129 01:01:45.640 --> 01:01:47.240 Attendees. 1130 01:01:47.240 --> 01:01:50.240 But with that, everyone have a wonderful day and we look forward 1131 01:01:50.240 --> 01:01:53.400 to seeing you on another one of our upskill events very, very soon.