全球金融诈骗趋势评估报告（英）-24页.docx

EXeCUtiVeSUmmgy-KeyFirdirgSFinancialfraudhasieasedanddiversifiedsignificantly,bothintermsofthevolumeoffraudoffencesandthemethodsdeployedtoperpetratethem.Today,financialfraudrepresentsapervasive,globalthreat.Understoodasanumbrellacategory,encompassingthoseactivitiesthat"aimattheprocurementofafinancialgainthroughdeliberate,deceitfulactionsagainstindividualsandtotheirdetriment."frauddoesnotonlywreakmajorfinanciallossesOnindividualsandbusinesses,butalsounderminesdomesticandglobaleconomiesbyerodingtrustandweakeningtheintegrityoffinancialsystems.TheINTERPO1.GlobalFinancialFraudAssessmentconstitutesanin-depthanalysisofINTERPO1.dataholdingsonoffencesandoffendersrelatedtofinancialfraud,whichasbeenperpetratedagainstindividualsand/orbusinesses,includingINTERPO1.Noticesand/orDiffusionslinkedtofinancialfraudoffences.Thekeyfindingsfromthisassessmentinclude：,Themostprevalenttypesoffinancialfraudatthegloballevelareinvestmentfraud,advancepaymentfraud,romancefraudandbusinessemailmpromise; Financialfraudisincreasinglydependentoninformationandcommunicationtechnologies,whichbytheirnatureareglobalized,meaningthatfraudoperationsaretransnationalandoftentransntinenta; Finandalfraudismostoftenperpetratedbyanetv/orkofco-oHeders,wherethedegreeoforganizationvariesfromhighlystructuredtolooselyorganizedcrimegroups; Crimeconvergencefrequentlyoccursaroundfinancialfraudwherecybercrimes-as-a-servcandmoney-laundering-as-aserviceareimportantinempoweringfraudsters,bothindividualoffendersandcrimegroups. Whilemodioperandimaybeunderstood,lessisknownaboutfraudoffendersand"howfraudisorganized."andthereisanurgentneedtostrengthendatacollectionandanalysisonfinancialfraudinordertodevelopmoreinformedandeffectivecounterstrategies.Financialfraudisapredatorycrimewhichisperpetratedinanonymityandacrossborders.INTERPO1.remainsengagedtosupportmembercountriesintheglobalfightagainstfinancialfraud,fromdatacollectionandcrimeanalysistooperationalsupport.ThefindingsinthisreportarepartofanofanongoinganalyticalinitiativetoassesscurrentandemergingcrimethreatsinordertopfoducetheINTERPO1.GlobalCnmeThreatAssessment.WhtChwillbeavailabletolawenforcementnINTERPO1.memtjrcountriesinNovember2024.Offendersaremakinguseofemergingtechnology,particularlyArtificialIntelligence(AI)sucasdeeplakes.IodeceivetherViClimSandconcealtheiridentities;,InformationsuggeststhattheUSeof"scamcentres"orcompoundsareincreasinglyprevalent,includingthosewhichdependonhumanIrafIiCkingforforcedcriminalitywiththistrenddetectedinSoutheastAsia,West,EastandSouthernAfrica.EasternEuropeand1.atinAmerica;AmongthemanymodiOperandiwhichareusedtoperpetratefinancialfraud,INTERPO1.hasdetectedthatimpersonationfraud,investmentfraud,romancefraud,advance-paymentfraudandidentityfraudarethemostgloballypervasivethreats.RomancefraudAdvance-paymentfraudIdentityfraudOPERATIONNERVONEInJuly283,INTERPO1.anditspartnersUrgetedacriminalgroupbelievedtohavelaunchedover30SOPHISTICATEDSPEARPhiShmgcampaignsacross15countriesinAfrica,Asiaand1.atinAmerica,steelingpotentiallyosmuchasUSD30MI1.1.IONfromfinancialinstitutionsandmobilebanking“rvk$sinc2019.Romancefraud0atypeoffraudperpetratedbycriminals,whodevelopaTGlationship-ottrustand/otintimacywithvictims,oftencommencingthroughsocialmedia,datingappsandmessagingplatforms.ThevictimsareultimatelymanipulatedbyIheoffender,oftenmultipletimes,v/hoismotivatedbyfinancialgain,causingbothemotionalandfinancialharmtothevictim.Advance-paymentfraud,oneofthemostprevalentfraudtypes,involvesafinancialtransactionforfraudulentproductsorservices.Perpetratorsmayuseonlinecommercialwebsite,socialmediaplatforms,orothermeansforpromotingsalesofgoodsandserviceswh<hare>demandatsub-marketprices.Paymentisrequestedupfrontandpriortothereceptionofanyproductorservce.whichmayeitherbenon-existentOrsignificantlysub-standardfromhowtwasadvertised.Identityfraudreferstotheunauthorizedacquisitionanduseo<anindividual'spersonalinformation(usernameandpasswords.CrOdllcardcredentials,b>ometricdata,etc.)intendedforobtetk)nofanillicitfinancialgain.Identityfraudsterscangainaccesstopersonalinformationthroughsocialengineering(suchasphishing,smishing.ViShing.spoofing,etc.),systemintrusion(viatheuseofmalv/areorhackingtechniques)andphysicaltheftIdentityfraudisthereforecomprisedoftwoelements:ontheonehand,anenabler,whichreferstothetechniqueemployedfortheacquisitionofpersonaldataintendedforth。ObgnuOnofanillicitfinancialgamand,onIheotherhand,theuseofthesedataforsuchpurposesHeTeaner.Ihe8jesmnodnwyfraudwilloonMthreatpoedbyphiogssWeI88other8<x>eJarln0jtonMcriq>s.Fraudsterscanperpetrateidentityfraudwithoutthedirectinvolvementofthevictim,whoseidentityhasbeenstolen.Inadditiontostealingfunds,fraudstersoftensellcompromisedpersonalinformationononlinecriminalmarkets.Thispersonalinformationcanbefurtherexploitedbycriminalstocommitidentityfraud,rev>cbmizetargetsandfacilitatethedeceptivetechniquesusedotherfraudtypessuchasromancefraud.FinancialFrau