{"id":3143102,"date":"2022-06-20T11:48:18","date_gmt":"2022-06-20T08:48:18","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3143102"},"modified":"2023-12-21T21:21:14","modified_gmt":"2023-12-21T19:21:14","slug":"smes-talk-alin-becheanu-arb-frauda-la-plata-facturilor-este-cel-mai-des-intalnita-in-randul-companiilor-daca-as-fi-antreprenor-m-as-uita-la-trei-lucruri","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/smes-talk-alin-becheanu-arb-frauda-la-plata-facturilor-este-cel-mai-des-intalnita-in-randul-companiilor-daca-as-fi-antreprenor-m-as-uita-la-trei-lucruri\/","title":{"rendered":"SMEs Talk Alin Becheanu, ARB: Frauda la plata facturilor este cel mai des \u00eent\u00e2lnit\u0103 \u00een r\u00e2ndul companiilor. Dac\u0103 a\u0219 fi antreprenor, m-a\u0219 uita la trei lucruri - only in romanian"},"content":{"rendered":"

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Pe m\u0103sur\u0103 ce mediul privat devine tot mai digitalizat, cre\u0219te \u0219i riscul atacurilor cibernetice asupra companiilor \u0219i nu numai. Alin Becheanu, pre\u0219edintele Comisiei Antifraud\u0103 a Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), puncteaz\u0103, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, c\u0103 antreprenorii \u0219i companiile \u00een general ar trebuie s\u0103 acorde mai mult\u0103 aten\u021bie urm\u0103toarelor tipuri de atacuri cibernetice: frauda la plata facturilor, malware \u0219i ransomware \u0219i cele de tip phishing. El explic\u0103 \u0219i modalit\u0103\u021bile prin care mediul privat poate evita s\u0103 devin\u0103 \u021binta unor astfel de atacuri \u0219i s\u0103 nu cad\u0103 \u00een capcana infractorilor cibernetici. <\/strong><\/p>\n

\u201eFrauda la plata facturilor este, de obicei, o modalitate prin care atacatorul intervine pe circuitul obi\u0219nuit \u00eentre un furnizor \u0219i clientul acestuia cu scopul de a-l p\u0103c\u0103li pe client s\u0103 pl\u0103teasc\u0103 o sum\u0103 de bani \u00eentr-un cont ce nu apar\u021bine furnizorului. Sunt dou\u0103 modalit\u0103\u021bi prin care se \u00eent\u00e2mpl\u0103 acest lucru. <\/em><\/p>\n

Prima modalitate vizeaz\u0103 accesarea \u00een mod ilegal a contului de e-mail fie al clientului, fie al furnizorului, \u0219i se trimite un mesaj care con\u021bine un ata\u0219ament \u00een care reg\u0103se\u0219te factura de plat\u0103, \u00eens\u0103, cu un IBAN diferit fa\u021b\u0103 de cel al furnizorului. <\/em><\/p>\n

Cea de-a doua modalitate este s\u0103 se aproximeze adresa de e-mail a furnizorului respectiv. \u0218i, la fel, ata\u0219eaz\u0103 o factur\u0103 \u00een care contul IBAN nu apar\u021bine furnizorului real, ci al unei persoane dintr-un grup infrac\u021bional<\/em>\u201d, precizeaz\u0103 Alin Becheanu.<\/p>\n

Companiile pot fi fraudate cibernetic \u0219i prin intermediul aplica\u021biilor de tip malware \u0219i ransomware, care au drept scop infectarea dispozitivului de pe care o companie \u00ee\u0219i desf\u0103\u0219oar\u0103 activitatea bancar\u0103.<\/p>\n

Mai exact, atacurile cibernetice de tip malware vizeaz\u0103 ob\u021binerea creden\u021bialelor bancare, de internet banking sau datele cardului victimei.<\/p>\n

Ransomware nu are scopul de a fura datele, ci de a le cripta astfel \u00eenc\u00e2t victima s\u0103 nu mai poat\u0103 folosi dispozitivul respectiv.<\/p>\n

\u201eIar la un interval scurt de timp s\u0103 primim un mesaj din partea atacatorului, s\u0103 ne cear\u0103 o sum\u0103 de bani, pe care de cele mai multe ori s\u0103 o pl\u0103tim prin cryptocurrency, pentru a primi cheia de decriptare \u0219i s\u0103 avem acces la datele respective<\/em>\u201d, mai spune acesta.<\/p>\n

A treia metod\u0103 de atac cibernetic la care Alin Becheanu sugereaz\u0103 ca antreprenorii \u0219i firmele s\u0103 fie atente este cea de tip phishing. Adic\u0103, acele emailuri, mesaje SMS, pe WhatsApp sau prin alte forme de comunicare, care par venite din partea b\u0103ncii.<\/p>\n

\u201ePrime\u0219ti ni\u0219te mesaje astfel \u00eenc\u00e2t s\u0103 intri pe linkul respectiv pe care \u00eel prime\u0219ti \u00een corpul mesajului \u0219i acolo s\u0103-\u021bi introduci creden\u021bialele bancare sau datele cardului. Ce trebuie s\u0103 \u021binem minte este c\u0103, niciodat\u0103, nicio banc\u0103, nu va trimite un astfel de sms sau email care s\u0103 con\u021bin\u0103 un link \u00een care noi s\u0103 introducem creden\u021bialele respective<\/em>\u201d, atrage el aten\u021bia.<\/p>\n

Alin Becheanu mai adaug\u0103 c\u0103 \u201efrauda la plata facturilor este cel mai des \u00eent\u00e2lnit\u0103 \u00een r\u00e2ndul companiilor<\/em>\u201d \u0219i reprezint\u0103 unul dintre cele mai riscuri, f\u0103r\u0103 o investi\u021bie prea mare din partea atacatorului. \u00cen schimb, pentru atacurile de tip malware sau ransomware, este necesar\u0103 o investi\u021bie mai mare din partea atacatorului, av\u00e2nd \u00een vedere c\u0103 trebuie s\u0103 dezvolte o aplica\u021bie informatic\u0103.<\/p>\n

\u201e\u00cen cazul fraudei la plata facturilor, dac\u0103 a\u0219 fi antreprenor sau a\u0219 lucra \u00een departamentul de pl\u0103\u021bi m-a\u0219 uita la 3 lucruri care m-ar ajuta \u00een mod semnificativ. Primul ar fi s\u0103 am o procedur\u0103 prin care pot s\u0103-mi cunosc partenerul de afaceri \u0219i atunci, \u00een momentul \u00een care am datele fiec\u0103rui partener de afaceri, adic\u0103 date de contact, telefon, adresa de email, de coresponden\u021b\u0103, modalitatea de plat\u0103, detaliile bancare, contul bancar, banca, \u00eemi este mult mai u\u0219or ca atunci c\u00e2nd \u00eemi apare un astfel de mesaj s\u0103 pot s\u0103 validez dac\u0103 acel cont a fost schimbat sau nu. <\/em><\/p>\n

Un alt lucru care m-ar ajuta ar fi s\u0103 am \u0219i o procedur\u0103 prin care se efectueaz\u0103 aceste pl\u0103\u021bi. Important este ca, poate pentru o anumit\u0103 sum\u0103 mai mare de X lei sau euro, \u00een func\u021bie de dimensiunea companiei, s\u0103 pot s\u0103 validez aceast\u0103 plat\u0103 precum \u0219i documentele aferente poate chiar cu dou\u0103 persoane, care s\u0103 se uite pe aceste documente \u0219i s\u0103-\u0219i dea seama dac\u0103 totul este \u00een regul\u0103 sau nu. <\/em><\/p>\n

Iar cel de-al treilea lucru pe care l-a\u0219 recomanda ar fi ca persoanele responsabile de efectuarea pl\u0103\u021bilor s\u0103 fie informate cu privire la aceste tipologii de fraude, s\u0103 \u0219tie s\u0103 raporteze mai departe dac\u0103 v\u0103d anumite suspiciuni. \u0218i, de ce nu, s\u0103 verifice factura, ce detalii sunt pe ea cu ceea ce am deja \u00een baza mea de date \u0219i s\u0103 verifice apoi cu furnizorul dac\u0103 \u0219i-a schimbat contul sau nu, printr-un alt canal. Nu prin acela\u0219i email prin care am primit acea factur\u0103<\/em>\u201d, precizeaz\u0103 aceasta.<\/p>\n

Antreprenorii, indiferent dac\u0103 au o baz\u0103 informatic\u0103 sau nu, pot evita atacurile de tip malware sau ransomware respect\u00e2nd c\u00e2teva elemente de baz\u0103 atunci c\u00e2nd efectueaz\u0103 pl\u0103\u021bi. Mai exact, sistemele dispozitivelor informatice s\u0103 fie \u00eentotdeauna actualizate, s\u0103 foloseasc\u0103 solu\u021bii de antivirus, care ajut\u0103 \u00een detectarea acestor atacuri cibernetice \u0219i s\u0103 fie informa\u021bi la ce alte tipuri de atacuri mai apar pe pia\u021b\u0103. De asemenea, ei trebuie s\u0103 fie aten\u021bi \u0219i la emailurile nesolicitate.<\/p>\n

\u201eB\u0103ncile \u0219i al\u021bi actori au desf\u0103\u0219urat o serie de campanii prin care \u00eencearc\u0103 s\u0103 aduc\u0103 aceste tipologii c\u00e2t mai aproape de utilizatorul final. \u0218i atunci, e bine s\u0103 acces\u0103m anumite resurse care sunt gratuite, cum ar fi site-urile b\u0103ncilor, conturile de social media ale b\u0103ncilor, emailuri pe care le primim \u00een mod constant de la b\u0103nci cu privire la aceste tipologii \u0219i cum ne putem proteja de ele.<\/p>\n

C\u00e2nd avem suspiciuni, primul lucru pe care trebuie s\u0103-l facem este s\u0103 valid\u0103m mesajul pe care \u00eel primim, fie c\u0103 vine din partea unui furnizor, fie c\u0103 vine din partea unei b\u0103nci. Acesta este modelul simplu pe care \u00eel poate practica oricine f\u0103r\u0103 a avea nevoie de specializare tehnic\u0103. Dac\u0103 dorim mai mult de at\u00e2t putem apela la un specialist care s\u0103 fac\u0103 o analiz\u0103 de risc pe sistemele informatice respective \u0219i s\u0103 ofere solu\u021bii punctuale\u201d, mai spune Alin Becheanu.<\/p>\n

El recomand\u0103 ca, \u00een cazul \u00een care o persoan\u0103 juridic\u0103 sau o companie a c\u0103zut victim\u0103 unor astfel de atacuri, banca trebuie s\u0103 fie prima anun\u021bat\u0103, astfel \u00eenc\u00e2t s\u0103 ia m\u0103suri c\u00e2t mai rapide pentru blocarea contului sau pentru a putea recupera banii. Ulterior, victimele ar trebui s\u0103 anun\u021be \u0219i autorit\u0103\u021bile.<\/p>\n

\u201eDoar \u00eempreun\u0103 cu autorit\u0103\u021bile sunt \u0219anse mai mari s\u0103 po\u021bi s\u0103 recuperezi suma de bani. Important este s\u0103 \u00een\u021belegem c\u0103, acest fenomen de raportare, ne ajut\u0103 foarte mult nu doar pe noi, ci \u00eentreaga comunitate. S-ar putea ca, data viitoare, o persoan\u0103 apropiat\u0103 nou\u0103 s\u0103 fie cea care pic\u0103 victima unui model de fraud\u0103. \u0218i atunci, cu c\u00e2t raport\u0103m mai repede aceste cazuri, cu at\u00e2t avem \u0219anse mai mari ca atacatorii s\u0103 fie tra\u0219i la r\u0103spundere\u201d, afirm\u0103 pre\u0219edintele Comisiei Antifraud\u0103 a Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB).<\/p>\n

De altfel, el observ\u0103 \u0219i o intensificare a situa\u021biilor \u00een care companiile sunt folosite pentru fraudarea altor companii \u0219i nume\u0219te dou\u0103 situa\u021bii \u00een care aceste tipuri de incidente apar. Prima este legat\u0103 de ob\u021binerea de produse bancare, \u00een mod special credite, cu documente false, care sunt cerute \u00een mod special de c\u0103tre b\u0103nci la momentul unei analize de credit pentru o persoan\u0103 juridic\u0103. Iar cea de-a doua este legat\u0103 de \u00eencas\u0103rile frauduloase. Infractorii folosesc c\u0103r\u0103u\u0219i de bani care pot fi persoane fizice companii pentru a \u00eencasa aceste sume de bani care provin din fraude.<\/p>\n

\u201eAvem un parteneriat foarte bun cu ANAF \u0219i am reu\u0219it ca, prin aceast\u0103 colaborare, s\u0103 putem s\u0103 valid\u0103m informa\u021biile care sunt prezentate de c\u0103tre persoanele juridice respective. \u00cen acest fel, reu\u0219im s\u0103 prevenim foarte multe dintre tentativele de fraud\u0103, \u00eens\u0103, mai departe, consecin\u021bele legale r\u0103m\u00e2n. \u00cen ambele cazuri a\u0219 spune c\u0103 situa\u021biile sunt nepl\u0103cute pentru cei care ader\u0103 la astfel de fapte, vorbim de sanc\u021biuni penale care se finalizeaz\u0103 cu \u00eenchisoarea sau achitarea prejudiciului respectiv\u201d, mai spune acesta.<\/p>\n

Alin Becheanu sus\u021bine c\u0103 exist\u0103 \u0219i o serie de consecin\u021be nefaste at\u00e2t pentru victime, c\u00e2t \u0219i pentru atacatorii cibernetici. Spre exemplu, companiile pot fi \u00eencadrate \u00eentr-o grupare infrac\u021bional\u0103 care se ocup\u0103 cu astfel de \u00een\u0219el\u0103ciuni.<\/p>\n

\u201eL\u0103s\u00e2nd la o parte faptul c\u0103 vei avea conturile blocate, exist\u0103 riscul de \u00eenchisoare, \u00een cazul \u00een care se confirm\u0103 c\u0103 ai aderat la aceast\u0103 schem\u0103 de fraudare \u0219i la acest proces de sp\u0103lare de bani. Dac\u0103 \u00eemprumu\u021bi cardul sau creden\u021bialele unui prieten s\u0103 \u00eencaseze ni\u0219te sume de bani, te supui riscurilor respective \u0219i e\u0219ti pe deplin responsabil pe ceea ce se \u00eent\u00e2mpla cu contul t\u0103u\u201d, subliniaz\u0103 el.<\/p>\n

B\u0103ncile \u00eempreun\u0103 cu institu\u021biile statului au pus accent pe prevenirea atacurilor cibernetice \u0219i au demarat o serie de proiecte care s\u0103 informeze consumatorii despre poten\u021bialele riscuri existente \u00een mediul online.<\/p>\n

Spre exemplu, prin campania sigurantaonline.ro<\/a>, unde \u00eempreun\u0103 cu partenerii no\u0219tri Poli\u021bia Rom\u00e2na \u0219i Directoratul Na\u021bional pentru Securitate Cibernetic\u0103, am \u00eencercat s\u0103 aducem aceste informa\u021bii c\u00e2t mai aproape de consumatori. Dac\u0103 vorbim de fraud\u0103 la plata facturilor, e important s\u0103 \u00een\u021belegem c\u0103 b\u0103ncile au venit \u00een sprijinul clien\u021bilor prin definirea unor \u0219abloane astfel \u00eenc\u00e2t s\u0103 po\u021bi s\u0103-\u021bi \u00eenregistrezi acolo o plat\u0103 pe care vrei s\u0103 o faci recurent.<\/p>\n

De asemenea, pentru pl\u0103\u021bile intrabancare, s\u0103 poat\u0103 veni \u00een sprijinul clien\u021bilor, b\u0103ncile au introdus un sistem astfel \u00eenc\u00e2t s\u0103 se afi\u0219eze par\u021bial toate detaliile titularului respectiv, \u00een felul acesta protej\u00e2nd persoana care face plata, s\u0103 fie sigur\u0103 c\u0103 banii vor ajunge c\u0103tre cine trebuie.<\/p>\n

\u201eLa ARB lucr\u0103m la un proiect pilot care s\u0103 extind\u0103 aceast\u0103 func\u021bionalitate \u0219i c\u0103tre pl\u0103\u021bile interbancare. Anul acesta va fi func\u021bional\u0103. Sper\u0103m c\u0103 b\u0103ncile vor adera la acest proiect\u201d, mai spune Alin Becheanu.<\/p>\n

Sursa: https:\/\/www.profit.ro\/smes-talk\/video-profit-live-alin-becheanu-presedinte-comisia-antifrauda-arb-avertizeaza-frauda-plata-facturilor-cel-des-intalnita-randul-companiilor-as-antreprenor-m-as-uita-trei-lucruri-20747071<\/a><\/p>\n

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Alin Becheanu, Pre\u0219edinte al Comisiei antifraud\u0103, Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor, Interviu video Profit News \u2013 20 iunie 2022<\/p>","protected":false},"author":5,"featured_media":3071288,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3143102","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSMEs Talk Alin Becheanu, ARB: Frauda la plata facturilor este cel mai des \u00eent\u00e2lnit\u0103 \u00een r\u00e2ndul companiilor. 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