{"id":3674595,"date":"2023-03-22T15:00:27","date_gmt":"2023-03-22T13:00:27","guid":{"rendered":"https:\/\/www.arb.ro\/?p=3674595"},"modified":"2023-12-21T14:01:18","modified_gmt":"2023-12-21T12:01:18","slug":"smes-talk-alin-becheanu-presedinte-comisia-antifrauda-arb-din-pacate-nu-suntem-pe-un-loc-fruntas-cand-vine-vorba-de-educatie-si-in-continuare-vedem-ca-sunt-persoane-care-cad-prada-fraudelor","status":"publish","type":"post","link":"https:\/\/www.arb.ro\/en\/smes-talk-alin-becheanu-presedinte-comisia-antifrauda-arb-din-pacate-nu-suntem-pe-un-loc-fruntas-cand-vine-vorba-de-educatie-si-in-continuare-vedem-ca-sunt-persoane-care-cad-prada-fraudelor\/","title":{"rendered":"SMEs Talk Alin Becheanu, Pre\u0219edinte Comisia Antifraud\u0103 ARB: Din p\u0103cate, nu suntem pe un loc frunta\u0219 c\u00e2nd vine vorba de educa\u021bie \u0219i \u00een continuare vedem c\u0103 sunt persoane care cad prada fraudelor - only in romanian"},"content":{"rendered":"

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Alin Becheanu, Pre\u0219edinte Comisia Antifraud\u0103 \u00een cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), atrage aten\u021bia asupra a patru tipuri de fraud\u0103 \u00een care oamenii pot c\u0103dea prad\u0103, \u0219i anume frauda la plata facturilor, mesajele de tip fishing, frauda legat\u0103 de investi\u021bii de nerefuzat \u0219i frauda prin acele mesaje mali\u021bioase care pot avea \u00een spate un malware sau un ransomware.<\/strong><\/p>\n

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\u201eOdat\u0103 cu pandemia, foarte multe firme au trecut \u00een mediul online, \u00eensemn\u00e2nd partea de v\u00e2nz\u0103ri, partea de business, ceea ce e un lucru foarte bun pentru c\u0103 scute\u0219te foarte mult\u0103 energie \u0219i resurse, \u00eens\u0103, \u00een acela\u0219i timp cred c\u0103 trebuie s\u0103 vina \u0219i cu partea de educa\u021bie\u201d, spune, la emisiunea PROFIT LIVE de la PROFIT NEWS TV, Alin Becheanu.<\/p>\n

Potrivit acestuia, at\u00e2t consumatorul, c\u00e2t \u0219i compania care vinde un bun sau un serviciu trebuie s\u0103 fie educa\u021bi \u00een ceea ce prive\u0219te aceste fraude online.<\/p>\n

\u201eDin p\u0103cate, nu suntem pe un loc frunta\u0219 c\u00e2nd vine vorba de educa\u021bie \u0219i \u00een continuare vedem c\u0103 sunt persoane care cad prada acestor tipuri de fraud\u0103 \u0219i poate c\u0103 nu sunt cele mai sofisticate. Nu vorbim de atacuri informatice care s\u0103 presupun\u0103 investi\u021bii \u00een anumite tehnologii sofisticate de c\u0103tre cei care atac\u0103. Mai degrab\u0103 vorbim de cazurile acelea \u00een care sunt p\u0103c\u0103lite victimele, manipulate, astfel \u00eenc\u00e2t fie s\u0103 fac\u0103 o plat\u0103, fie s\u0103 dea datele cardului sau creden\u021bialele cu care se logheaz\u0103 \u00een aplica\u021bia bancar\u0103\u201d, mai spune el, ad\u0103ug\u00e2nd c\u0103 toate tipologiile de frauda au la baz\u0103 \u00een principal lipsa informa\u021biei.<\/p>\n

Frauda la plata facturilor apare atunci c\u00e2nd atacatorul acceseaz\u0103 neautorizat un cont de email fie al clientului, fie al furnizorului sau pur \u0219i simplu impersoneaz\u0103 adresa de email al furnizorului respectiv.<\/p>\n

\u201eAcel mesaj care are factura ata\u0219at\u0103 con\u021bine un cont bancar diferit care nu apar\u021bine furnizorului \u0219i nici nu a fost trimis acest mesaj de c\u0103tre furnizor, iar mai departe clientul este p\u0103c\u0103lit s\u0103 fac\u0103 plata \u00een acel cont. Ce vedem noi este c\u0103 dup\u0103 un interval de 30-90 de zile furnizorul real se adreseaz\u0103 clientului \u0219i \u00eel roag\u0103 s\u0103 achite plata pentru c\u0103, bine\u00een\u021beles, banii au ajuns \u00eentr-un alt cont, iar \u00een acele 30-90 de zile de cele mai multe ori banii au \u0219i disp\u0103rut din contul acela care era folosit de fraudator\u201d, explic\u0103 Alin Becheanu, care recomand\u0103 ca atunci c\u00e2nd companiile sesizeaz\u0103 c\u0103 un client \u0219i-a schimbat contul s\u0103 \u00eencerce s\u0103 confirme acest lucru printr-un alt canal.<\/p>\n

De asemenea, continu\u0103 el, foarte important este s\u0103 existe un proces prin care pl\u0103\u021bile peste o anumit\u0103 valoare s\u0103 fie revizuite de o alt\u0103 persoan\u0103, astfel \u00eenc\u00e2t s\u0103 se asigure c\u0103 de fapt banii se duc unde trebuie \u0219i nu e vorba de o gre\u0219eal\u0103.<\/p>\n

\u201eLa nivelul ARB a existat un proiect, se nume\u0219te serviciu afi\u0219are nume beneficiar, astfel \u00eenc\u00e2t, \u00een momentul \u00een care facem o plat\u0103 c\u0103tre un cont, ne afi\u0219eaz\u0103 par\u021bial numele titularului respectiv. Astfel, avem o afi\u0219are suplimentar\u0103 c\u0103 de fapt contul apar\u021bine persoanei c\u0103reia voiam s\u0103-i transfer\u0103m banii. Momentan este un pilot, sunt c\u00e2teva b\u0103nci care au intrat, dar sper\u0103m ca p\u00e2n\u0103 la finalul anului s\u0103 avem c\u00e2t mai multe b\u0103nci participante \u0219i \u00een felul acesta s\u0103 oferim clien\u021bilor aceast\u0103 op\u021biune de a se proteja suplimentar\u201d, precizeaz\u0103 pre\u0219edintele Comisiei Antifraud\u0103 din cadrul ARB.<\/p>\n

Cei care au c\u0103zut victime acestor tipuri de fraude trebuie s\u0103 ia imediat m\u0103suri. Primul pas e s\u0103 notifice banca, astfel \u00eenc\u00e2t s\u0103 \u00eencerce s\u0103 recupereze banii respectivi. Apoi, este necesar\u0103 notificarea autorit\u0103\u021bilor.<\/p>\n

\u201eEste foarte important c\u00e2nd se \u00eent\u00e2mpl\u0103 un astfel de caz s\u0103 mergi \u0219i s\u0103 raportezi situa\u021bia respectiv\u0103, astfel \u00eenc\u00e2t autorit\u0103\u021bile s\u0103 investigheze cazul respectiv \u0219i s\u0103 \u00eencerce s\u0103 trag\u0103 la r\u0103spundere persoanele. Prin aceasta raportate evit\u0103m ca o alt\u0103 companie s\u0103 devin\u0103 la r\u00e2ndul ei victim\u0103\u201d, mai spune acesta.<\/p>\n

Un alt tip de fraud\u0103 este cea de tip fishing, \u00een care se pretinde c\u0103 banca solicit\u0103 executarea anumitor ac\u021biuni.<\/p>\n

\u201eSunt mesajele acelea care pretind c\u0103 sunt trimise de c\u0103tre banc\u0103 \u0219i prin care ni se cere s\u0103 ac\u021bion\u0103m rapid, \u00een caz contrar contul nostru va fi blocat sau vor exista limit\u0103ri ale accesului nostru la aplica\u021bia bancar\u0103. De fapt, acel mesaj con\u021bine un link pe care ni se cere s\u0103-l acces\u0103m \u0219i s\u0103 introducem creden\u021bialele noastre. Ceea ce trebuie s\u0103 \u021binem noi minte foarte bine este c\u0103, niciodat\u0103, nicio banc\u0103 nu va solicita prin astfel de mesaje ca un client s\u0103 se logheze \u00een aplica\u021bia bancar\u0103\u201d, explic\u0103 Alin Becheanu, ad\u0103ug\u00e2nd c\u0103, indiferent de gravitatea mesajului respectiv, nu ar trebui s\u0103 ne l\u0103s\u0103m cuprin\u0219i de panic\u0103, ci mai bine sun\u0103m direct la banc\u0103.<\/p>\n

\u201eMulte dintre b\u0103nci folosesc \u00een afar\u0103 de user \u0219i parola \u0219i un cod de autentificare, fie prin intermediul unui sms, fie printr-un dispozitiv de tip token sau un dispozitiv de tip software. Indiferent de modalitatea prin care este generat sau primim acest cod, e foarte important s\u0103 \u00een\u021belegem scopul pentru care introducem acel cod. \u0218i aici b\u0103ncile au lucrat destul de mult astfel \u00eenc\u00e2t s\u0103 customizeze, s\u0103 particularizeze aceste mesaje ca s\u0103 \u0219tim exact pentru ce opera\u021biune introducem codul respectiv\u201d, precizeaz\u0103 el.<\/p>\n

De multe ori se \u00eent\u00e2mpl\u0103 \u0219i ca atacatorii s\u0103 p\u0103c\u0103leasc\u0103 victimele d\u00e2nd impresia c\u0103 fac o actualizare a datelor.<\/p>\n

\u201e\u00cen ultima perioad\u0103 a \u00eenceput s\u0103 fie utilizat\u0103 \u0219i partea de AI, partea de Chatgpt, astfel \u00eenc\u00e2t s\u0103 fie generate acele mesaje \u0219i s\u0103 aib\u0103 o form\u0103 foarte clar\u0103 \u0219i corect\u0103 gramatical. Dac\u0103 \u00eenainte aveam situa\u021biile \u00een care puteai s\u0103-\u021bi dai seama c\u0103 era o traducere robotizat\u0103, acum lucrurile arat\u0103 mult mai bine, mesajele sunt mult mai clare \u0219i mai corecte gramatical. \u00cens\u0103, e foarte important s\u0103 \u021binem minte acest principiu: c\u0103 niciodat\u0103 nicio banc\u0103 nu va trimite astfel de linkuri \u00een mesaje pentru a te loga \u00een aplica\u021bia bancar\u0103\u201d, afirm\u0103 Alin Becheanu.<\/p>\n

Atacurile de tip malware p\u0103c\u0103lesc victimele \u00een instalarea anumitor aplica\u021bii \u00een propriul calculator, cu ajutorul c\u0103rora le fur\u0103 creden\u021bialele bancare sau alte informa\u021bii valoroase, \u00een cele ce atacurile de tip ransomware blocheaz\u0103 dispozitivele respective, f\u0103r\u0103 ca proprietarul de drept s\u0103 mai aib\u0103 acces la ele.<\/p>\n

\u201eCe puteam face noi este s\u0103 nu d\u0103m click pe link-urile respective sau s\u0103 nu deschidem ata\u0219amentele. Foarte important este s\u0103 avem principiul \u0103sta de safe, care \u00eenseamn\u0103 sisteme actualizate la zi, o aplica\u021bie de tip antivirus instalat\u0103 pe dispozitivele noastre astfel \u00eenc\u00e2t s\u0103 ne putem s\u0103 ne protej\u0103m \u0219i s\u0103 ne semnaleze dac\u0103 avem astfel de mail-uri mali\u021bioase sau fi\u0219iere de tip ransomware sau alt malware, s\u0103 fim informa\u021bi, aceste tipuri de fraud\u0103 evolueaz\u0103 \u0219i e bine s\u0103 \u0219tim c\u0103 ele exist\u0103 \u0219i nu doar noi, ci \u0219i angaja\u021bii no\u0219tri\u201d, precizeaz\u0103 acesta.<\/p>\n

Sursa: aici<\/a><\/p>\n

\"\"<\/p>","protected":false},"excerpt":{"rendered":"

Alin Becheanu, Pre\u0219edinte Comisia Antifraud\u0103 \u00een cadrul Asocia\u021biei Rom\u00e2ne a B\u0103ncilor (ARB), atrage aten\u021bia asupra a patru tipuri de fraud\u0103 \u00een care oamenii pot c\u0103dea prad\u0103, \u0219i anume frauda la plata facturilor, mesajele de tip fishing, frauda legat\u0103 de investi\u021bii de nerefuzat \u0219i frauda prin acele mesaje mali\u021bioase care pot avea \u00een spate un malware […]<\/p>\n","protected":false},"author":5,"featured_media":3423480,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[8],"tags":[],"class_list":["post-3674595","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-aparitii-media"],"acf":[],"yoast_head":"\nSMEs Talk Alin Becheanu, Pre\u0219edinte Comisia Antifraud\u0103 ARB: Din p\u0103cate, nu suntem pe un loc frunta\u0219 c\u00e2nd vine vorba de educa\u021bie \u0219i \u00een continuare vedem c\u0103 sunt persoane care cad prada fraudelor - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.arb.ro\/en\/smes-talk-alin-becheanu-presedinte-comisia-antifrauda-arb-din-pacate-nu-suntem-pe-un-loc-fruntas-cand-vine-vorba-de-educatie-si-in-continuare-vedem-ca-sunt-persoane-care-cad-prada-fraudelor\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"SMEs Talk Alin Becheanu, Pre\u0219edinte Comisia Antifraud\u0103 ARB: Din p\u0103cate, nu suntem pe un loc frunta\u0219 c\u00e2nd vine vorba de educa\u021bie \u0219i \u00een continuare vedem c\u0103 sunt persoane care cad prada fraudelor - Asocia\u021bia Rom\u00e2n\u0103 a B\u0103ncilor (ARB)\" \/>\n<meta property=\"og:description\" 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