3. Outline of this module By the end of this module, you will be able to: Understand what is meant by the term “advanced fee fraud”; Understand what is meant by the term “phishing”; Name the different ways in which these emails appear in your inbox; 2

4. Outline of this module By the end of this module, you will be able to: Understand why people respond to fraudulent emails; Know what to do if you think you have received one of these emails; and Know who to contact if you have responded to a fraudulent email. 2

5. Important information A copy of this presentation and the accompanying training booklet are available for download at: www.pcyc.org.au/Clubs/Carindale/SeniorsOnlineSecurity.aspx 4

6. Meet Beryl and Alan

7. Getting started… Have you ever received an email that you thought might be false? Why didn’t you think it was genuine? 6

8. What is advanced fee fraud? Essentially, it is an email which asks for a small amount of money with the promise of a larger amount of money in the future. Once you send an initial amount, there will always be requests for further money and you will never receive the larger promised amount.

9. What is advanced fee fraud? There are many ways that these emails can appear in your inbox, but no matter what the story, all emails will ask for money. Lottery notifications Inheritance notifications Investment opportunities Charity contributions Romance fraud

10. What is phishing? Essentially, it is an email which asks for your personal information. It might be from a bank, telephone service provider or any other agency that you do business with. It might look genuine and seem plausible. It might ask you to reply or provide a link for you to enter your personal details.

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14. How well did you do?

15. How to protect yourself from fraud There are several strategies which can help you protect yourself from responding to a fraudulent email. By following these simple steps, you will greatly reduce the chances of this occurring.

16. Protecting yourself from fraud 1)Use an email filter An email filter can automatically delete fraudulent emails before they reach your inbox. However, just because an email is in your inbox, doesn’t mean it isn’t fraud. 2)Use the delete key Never be afraid to delete an email that you are suspicious of. You are not obliged to reply to an email, just because it has been sent to you. 15

17. Protecting yourself from fraud 3)Never reply to an email with personal details Fraudulent emails will not always be obvious. Talk to someone if you are unsure of an email. Don’t feel pressured to respond. 4)Never send money in response to an email The situation may seem genuine and you may trust the person, but once you have sent the money there is no way you can get it back. 16

18. If you think you are a fraud victim There are steps you can take if you think that you may have become a victim of fraud. Don’t panic or ignore it! 1) If you have sent personal details Contact relevant agencies to cancel accounts or change passwords. 17

19. If you think you are a fraud victim 2)If you have sent money, there are a few things you can do: Contact your bank and see if the transaction can be cancelled. Contact the wire transfer service to see if the transaction can be cancelled. Contact the police to report your loss. You are unlikely to get the money back, but it is important for you to report it. 18

20. Online fraud victimisation It is hard to understand how a person becomes a victim of this type of fraud. This type of fraud can have devastating consequences for victims, which are more than just financial losses. Most victims feel too embarrassed or ashamed to tell anyone (including police) and don’t get the help and support they need.

21. Reporting Fraud You can report fraudulent emails to the Australian Communications and Media Authority via email at: report@submit.spam.acma.gov.au You can report cybercrime to the Australian Cybercrime Online Reporting Network (ACORN): www.acorn.gov.au 20

22. Conclusion Email is a great way of sharing and communicating with family and friends, however care must be taken when doing this. Not all emails you receive will be genuine. By following the steps outlined in this presentation, you should be able to enjoy using your email in a safe and confident manner. 21

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28. Questions?

29. Further information… For more information about other modules in this series: www.pcyc.org.au/Clubs/Carindale/SeniorsOnlineSecurity.aspx For more information about reporting cybercrime: www.acorn.gov.au For more information about online security issues: www.scamwatch.gov.auwww.scamwatch.gov.au or www.cybersmart.gov.auwww.cybersmart.gov.au For more information about computers and technology: www.ascca.org.au 28