全球金融诈骗趋势评估报告（英）-24页.docx

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1、EXeCUtiVeSUmmgy-KeyFirdirgSFinancialfraudhasieasedanddiversifiedsignificantly,bothintermsofthevolumeoffraudoffencesandthemethodsdeployedtoperpetratethem.Today,financialfraudrepresentsapervasive,globalthreat.Understoodasanumbrellacategory,encompassingthoseactivitiesthataimattheprocurementofafinancial

2、gainthroughdeliberate,deceitfulactionsagainstindividualsandtotheirdetriment.frauddoesnotonlywreakmajorfinanciallossesOnindividualsandbusinesses,butalsounderminesdomesticandglobaleconomiesbyerodingtrustandweakeningtheintegrityoffinancialsystems.TheINTERPO1.GlobalFinancialFraudAssessmentconstitutesani

3、n-depthanalysisofINTERPO1.dataholdingsonoffencesandoffendersrelatedtofinancialfraud,whichasbeenperpetratedagainstindividualsand/orbusinesses,includingINTERPO1.Noticesand/orDiffusionslinkedtofinancialfraudoffences.Thekeyfindingsfromthisassessmentinclude：,Themostprevalenttypesoffinancialfraudattheglob

4、allevelareinvestmentfraud,advancepaymentfraud,romancefraudandbusinessemailmpromise; Financialfraudisincreasinglydependentoninformationandcommunicationtechnologies,whichbytheirnatureareglobalized,meaningthatfraudoperationsaretransnationalandoftentransntinenta; Finandalfraudismostoftenperpetratedbyane

5、tv/orkofco-oHeders,wherethedegreeoforganizationvariesfromhighlystructuredtolooselyorganizedcrimegroups; Crimeconvergencefrequentlyoccursaroundfinancialfraudwherecybercrimes-as-a-servcandmoney-laundering-as-aserviceareimportantinempoweringfraudsters,bothindividualoffendersandcrimegroups. Whilemodiope

6、randimaybeunderstood,lessisknownaboutfraudoffendersandhowfraudisorganized.andthereisanurgentneedtostrengthendatacollectionandanalysisonfinancialfraudinordertodevelopmoreinformedandeffectivecounterstrategies.Financialfraudisapredatorycrimewhichisperpetratedinanonymityandacrossborders.INTERPO1.remains

7、engagedtosupportmembercountriesintheglobalfightagainstfinancialfraud,fromdatacollectionandcrimeanalysistooperationalsupport.ThefindingsinthisreportarepartofanofanongoinganalyticalinitiativetoassesscurrentandemergingcrimethreatsinordertopfoducetheINTERPO1.GlobalCnmeThreatAssessment.WhtChwillbeavailab

8、letolawenforcementnINTERPO1.memtjrcountriesinNovember2024.Offendersaremakinguseofemergingtechnology,particularlyArtificialIntelligence(AI)sucasdeeplakes.IodeceivetherViClimSandconcealtheiridentities;,InformationsuggeststhattheUSeofscamcentresorcompoundsareincreasinglyprevalent,includingthosewhichdep

9、endonhumanIrafIiCkingforforcedcriminalitywiththistrenddetectedinSoutheastAsia,West,EastandSouthernAfrica.EasternEuropeand1.atinAmerica;AmongthemanymodiOperandiwhichareusedtoperpetratefinancialfraud,INTERPO1.hasdetectedthatimpersonationfraud,investmentfraud,romancefraud,advance-paymentfraudandidentit

10、yfraudarethemostgloballypervasivethreats.RomancefraudAdvance-paymentfraudIdentityfraudOPERATIONNERVONEInJuly283,INTERPO1.anditspartnersUrgetedacriminalgroupbelievedtohavelaunchedover30SOPHISTICATEDSPEARPhiShmgcampaignsacross15countriesinAfrica,Asiaand1.atinAmerica,steelingpotentiallyosmuchasUSD30MI1

11、.1.IONfromfinancialinstitutionsandmobilebanking“rvk$sinc2019.Romancefraud0atypeoffraudperpetratedbycriminals,whodevelopaTGlationship-ottrustand/otintimacywithvictims,oftencommencingthroughsocialmedia,datingappsandmessagingplatforms.ThevictimsareultimatelymanipulatedbyIheoffender,oftenmultipletimes,v

12、/hoismotivatedbyfinancialgain,causingbothemotionalandfinancialharmtothevictim.Advance-paymentfraud,oneofthemostprevalentfraudtypes,involvesafinancialtransactionforfraudulentproductsorservices.Perpetratorsmayuseonlinecommercialwebsite,socialmediaplatforms,orothermeansforpromotingsalesofgoodsandservic

13、eswhdemandatsub-marketprices.Paymentisrequestedupfrontandpriortothereceptionofanyproductorservce.whichmayeitherbenon-existentOrsignificantlysub-standardfromhowtwasadvertised.Identityfraudreferstotheunauthorizedacquisitionanduseoometricdata,etc.)intendedforobtetk)nofanillicitfinancialgain.Identityfra

14、udsterscangainaccesstopersonalinformationthroughsocialengineering(suchasphishing,smishing.ViShing.spoofing,etc.),systemintrusion(viatheuseofmalv/areorhackingtechniques)andphysicaltheftIdentityfraudisthereforecomprisedoftwoelements:ontheonehand,anenabler,whichreferstothetechniqueemployedfortheacquisi

15、tionofpersonaldataintendedforth。ObgnuOnofanillicitfinancialgamand,onIheotherhand,theuseofthesedataforsuchpurposesHeTeaner.Ihe8jesmnodnwyfraudwilloonMthreatpoedbyphiogssWeI88other8eJarln0jtonMcriqs.Fraudsterscanperpetrateidentityfraudwithoutthedirectinvolvementofthevictim,whoseidentityhasbeenstolen.Inadditiontostealingfunds,fraudstersoftensellcompromisedpersonalinformationononlinecriminalmarkets.Thispersonalinformationcanbefurtherexploitedbycriminalstocommitidentityfraud,revcbmizetargetsandfacilitatethedeceptivetechniquesusedotherfraudtypessuchasromancefraud.FinancialFrau