1. Phishing laiškas arba SMS žinutė (angl. phishing)
Fraudsters often send fake emails or SMS messages that look similar to information sent by your bank or other service providers you use. The purpose of this is to extract your online banking login details, confirm transactions made by fraudsters, etc. Carefully evaluate all information received by remote means of communication: review the information about the sender and the general structure of the email. Financial and credit institutions operating in Lithuania never ask you to disclose your bank account login details or make a payment order. If you receive such a request, ignore it.
2. Bank or institution impersonation scam
Scammers posing as representatives of your bank or government try to contact you and force you to share personal, financial, or login information. Never give in to emotion, and never answer questions if you’re not sure who you’re talking to.
3. Investment fraud
Harassing calls, letters, and flashy online ads trying to convince you to fall for an attractive investment offer or an opportunity to buy a fantastic product. If it sounds too good to be true, it probably is.
4. Email interception
Fraudsters are known to hack electronic correspondence between two parties, for example, between a buyer and a seller of a product. Then, at a convenient moment, they inform the payer that the buyer’s bank account has changed. Upon receiving a similar email, first, contact the supplier of the product or service directly.
5. Executive impersonation scam
Financial professionals are often among the favorite targets of fraudsters. Suppose you manage the finances of a large company. In that case, you may receive an unexpected call from the alleged CEO of the company, asking for an immediate invoice payment or money transfer. Ignore the caller’s promises, pressure, or threats, and take your time. Always follow the company’s standard payment procedures. Also, be sure to consult with a competent colleague or supervisor.
6. Romantic deception
This method is often found on online dating sites or social networks. It starts with romantic communication, then requests to share your intimate photos or videos pour in. In the end, blackmail is resorted to, asking for a money transfer.