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We will be closed, July 4th, 2018, in honor of Independence Day

How to Spot Phishing Messages Like a Pro

The Federal Trade Commission’s definition of phishing is “when a scammer uses fraudulent emails or texts, or copycat websites, to get you to share valuable personal information.  When a user falls for a phishing message, the malicious actor achieves their purpose of getting the victim to hand over sensitive information such as login names and passwords. Though we count on technologies and controls to minimize threats, phishing exploits users through social engineering, which allows the malicious actors to side step these protections. This is why it is important that everyone learn to spot these fraudulent messages. Let’s take a look at some example emails of phishing messages.

Message #1

Subject: Low Cost Dream Vacation loans!!!

Dear John,

     We understand that money can be tight and you may not be able to afford to go on vacation this year.   However, we have a solution. My company, World Bank and Trust is willing to offer low cost loans to get your through the vacation season. Interest rates are as low at 3% for 2 years. If you are interested in getting a loan, please fill out the attached contact form and send it back to us. We contact you within 2 days to arrange a deposit into your checking account.

Please email your completed form to

VacationLoans@worldbankandtrust.com.

Your dream vacation is just a few clicks away!

Dr. Stephen Strange

World Bank and Trust

177a Bleecker Street, New York, NY10012

What did you notice in message #1? 

In this message, you can see that the phisher wants to give us a low cost loan with no credit check. They say we just need to send them our information and they will give us money, right? Not only does it seem too good to be true, but also when you hover the cursor over the email address to examine it further, you see that the link actually has a different destination. It is the email address of the attacker. Lastly, as much as you might like Dr. Strange, he’s probably not working for a bank part-time.