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1. Be informed about Business Email Compromise.

It's a good idea to be wary of any requests (via email, phone or otherwise) to change beneficiary payment details or send a payment to a new beneficiary. The request may be an attempt to divert funds to a fraudulent account.

Fraudulent requests may be disguised as originating from a supplier and ask that you change the supplier’s bank account information.

As a precaution, always take the extra step of checking directly with your supplier through an alternative communication method outside of the email environment, such as a phone call to a trusted source in their company, to confirm that the change request is genuine.

In some cases, the fraudulent request to change supplier information or make a payment to an unfamiliar account supposedly comes from your organisation’s CEO, President or other administrator.

When reviewing any type of payment instructions from an internal source, ensure the request uses your organisation’s official channels and follows authorised processes and procedures.

2. Understand Fraud Trends

Staying informed about online security risks enables you to stay vigilant against fraud and helps keep you protected.

(tạo link, link qua phần Fraud Trends trên trang Online Security)

3. Avoid online fraud

Vigilance is vital to detecting and preventing payment platform fraud. With online fraud becoming more sophisticated, it is important to stay informed on what fraud looks like and how you can protect your organisation from fraudulent activity.

How do I know that a fraud or phishing attempt is underway?

The following types of experiences should be taken seriously and reported to your local DNBCnet support team immediately:

  • When logging in to DNBCnet, you are presented with a message saying that DNBCnet is unavailable AFTER you have entered your username and security credentials. Alternately, the error message might give a set time that DNBCnet will return, e.g. 15 minutes
  • You are presented with a security check/verification screen that requires you to wait
  • You are prompted repeatedly to re-enter your username, password or security code
  • You see any screens that you think are unusual or are missing information

Tips for secure use of DNBCnet:

  • Always access DNBCnet by keying in the website address in the address bar of your browser, or bookmark the website and use that function to access DNBCnet. You should not enter your user name, password and/or security code if you find the website suspicious in any way.
  • If unexpected screens pop up and/or your computer's response is unusually slow, this could be a sign that a fraudulent attack is underway. If you experience either of these events, we recommend that you contact your local DNBCnet Support Centre immediately.
  • Review transaction records regularly using the Account Information service and report any suspicious transactions to your local DNBCnet Support Centre or DNBC Financial Group representative.

4. Learn about email best practices

Phishing emails encourage individuals to divulge personal information such as payment security credentials or request that you click “download” links which could leave you vulnerable to malware. Learn how to protect your accounts.

Fraudsters might send you an email that looks like it comes from us and it might contain a link to a website that looks like this one. When you try to log on, they can steal your password. They could also ask you to make a phone call or reply by email.

Criminals are good at making their emails and websites look realistic. But you can often spot the fake ones:

Strange looking email or web addresses

Poor design, typos or bad spelling

They ask you to do something unusual

A site doesn't display the padlock symbol in the address bar when you log in

When opening an email, please remember:

DNBC Financial Group will not display your personal information in emails or ask you to provide any personal information including your username, password and/or security code by email

If in doubt, stop. Don't click on any links. Don't open any attachments. Just forward the email to [email protected]

Never access payment platform through hyperlinks embedded in emails or other potentially untrustworthy sources

5. Stay protected against “Social Engineering”

Social Engineering describes the tactics used by fraudsters to manipulate people into divulging confidential information and/or performing actions online that put them at risk. Being vigilant against this type of fraud helps keep you protected.

What "Social Engineering" might look like

Fraudsters may contact you pretending to be from an institution you deal with (such as DNBC Financial Group), an organisation of authority, a vendor/supplier, or even an individual within your company. They could direct you to perform actions that will allow them to send unauthorised payments from your account. This can include providing numbers displayed on your Security Device or pushing the yellow button.

DNBC Financial Group will never request information that could be used to make a payment (such as account numbers, passwords, security device details other than the serial number on the back, etc)

Under no circumstances will DNBC Financial Group ever ask you to ask you to divulge any of your security details over the phone, by text message or via email

If you are ever doubtful about your DNBCnet activities or the authenticity of incoming telephone calls purporting to be from DNBC Financial Group, please call your local DNBCnet Support Centre or your DNBCnet Representative for further verification.

6. Install anti-virus software

You can rest assured that DNBCnet is a secure channel that is rigorously monitored to protect our customers. You can help us keep fraud out of business by being cautious when conducting transactions online and protecting yourself with the latest anti-virus software.

Anti-virus software protects you, your privacy and your money. You need to install anti-virus software if you don't have any already.

Viruses steal personal information, take over your PC, pop up unwanted adverts and they can even use your computer to attack other people's computers.

You may also hear them called malware, trojans, spyware or adware. Anti-virus software protects you against all of them.

Anti-virus software protects you, your privacy and your money.

To work properly, anti-virus software requires that you download updates on a regular basis. Out-of-date anti-virus software will have flaws that could leave you vulnerable to fraud.

When downloading any anti-virus software, make sure you are accessing the download from a genuine site. There are many fake products claiming to protect your computer but which may actually infect it with viruses.

7. Keep your software up to date

It is harder for viruses to infect updated software. Criminals who create viruses take advantage of weaknesses in software to infect computers. Software companies fix weaknesses with free downloadable updates. It is a good idea that you install updates for your software as soon as they become available.

Tips for updating your software:

  • Software updates are particularly important for your security software such as firewall, anti-virus, and/or malware protection.
  • Make sure all of your programs are up to date, including web browsers and applications you use on mobile devices.
  • Most modern software will check for updates automatically and alert you when an update is available. Download and install all software updates as soon as possible.
  • To check for patches and updates, visit the publisher's website. Software updates are typically found under the 'Download' section of the website. When opening a website, always key in the website address in the address bar of your browser or access the site through a reputable source.
  • Never access a publisher’s website by clicking on a hyperlink embedded in an email or via a potentially untrustworthy source.
  • Do not install pirated software or software from unknown providers.

8. Keep your devices secure when payment on the go

DNBCnet and DNBCnet Mobile offers the convenience of conducting your payment at any time and from anywhere you have an internet connection. It is important to safeguard your online payment activity whenever you are payment on the go.

While DNBCnet uses multiple layers of protection to enhance your security, here are a few reminders for safeguarding your online payment activity whether you are accessing DNBCnet on the go, connecting to DNBCnet from your laptop via a new internet connection, or using a trusted stationary computer terminal.

  • Do not store your user or profile details or credentials on your mobile device
  • Do not use an "open" Wi-Fi connection. Use Wi-Fi connections that are password protected with the WPA2 standard as a minimum. Alternatively, use the cell phone network instead of Wi-Fi for sensitive operations such as payment and turn off Wi-Fi and Bluetooth when they are not in use.
  • When travelling, always use a trusted computer or mobile device whenever possible Ensure your device is updated with the latest manufacturer software updates and avoid using a “jailbroken” or “rooted” device with any unauthorised modifications.
  • Avoid sharing your mobile device with others. Enable the Password/PIN and auto lock features on your devices to prevent other people from using it if stolen.
  • Never leave your laptop, mobile device, or computer unattended once you have signed on to DNBCnet.
  • After completing your transactions, ensure to log off of DNBCnet, clear the cache, and close the browser.