00:00You clicked it. You panicked. Maybe you even entered your password. Don't worry, we've all
00:06been there. Today, we're tackling the biggest scams happening right now, and more importantly,
00:12how to dodge them like a pro. Scams are basically emotional landmines. They're designed to make us
00:17panic, rush, give us a sense of emergency, or maybe get way too excited about that opportunity
00:22that almost seems too good to be true. And the kicker? New tech like AI deepfakes make scams
00:28even more convincing. Last year alone, people lost nearly $12.5 billion to scams. That's
00:36billion with a B. But don't worry, after this episode of Data Breach 101, you'll know exactly
00:42what to watch for. So what are the scams you're most likely to run into online these days?
00:47Let's go through them rapid fire style. You must settle the balance within the next 12 hours to
00:54avoid severe penalties. Pay now with a link to complete payment. This one is good. It's
01:00threatening. It's realistic. But if you look closely, random number, strange URL, nothing too
01:05specific. I'm a recruiter, and we're currently looking for a part-time assistant to join the
01:11team. You can work remotely on the job, and the job only takes one hour per day, and you'll get
01:16paid
01:16up to $1,300. Guarantee you, you reach out to this WhatsApp number. They'll ask you for your bank
01:22information to pay you. Real jobs don't ask for sensitive info like this before you've even
01:28interviewed. Hey, Dad, I was just in an accident, and I need you to send me some money. I will
01:33send
01:33you a link to pay with. Imagine getting a frantic call from your loved one, only it's not them. AI
01:40can
01:41out fake voices and videos so well, it's scary. Rule of thumb, if the urgent request feels weird,
01:47double check through another channel. Don't be afraid to sound a little insensitive in order to
01:52validate that the loved one calling you in an emergency is who they say they are and actually
01:57needs what they're asking for. Send me your email address right now so I can send you payment. If
02:03you're trying to sell products in an open marketplace, beware of interested buyers demanding your personal
02:09information such as your phone number, email, or financials. Big Zelle and PayPal scams are rampant
02:16these days. Use services that offer seller protection or insist on cash in person at the time of the
02:22exchange. Stay suspicious and trust your gut. Okay, now that we know some of the most common scams to be
02:29on the lookout for, let's play a quick round of Is It A Scam? We have limited your account due
02:37to
02:37suspicious activity. Click here to restore access. Is it real or is it a scam? Fake! Hover over the
02:48link, it doesn't even go to paypal.com. Always check the URL before you click. You get a DM from
02:54your
02:55friend. They say they're stuck overseas, they lost their wallet, and they need you to wire them $500
03:01ASAP. A real friend who needs your help? Or a bad actor with a knack for impersonations?
03:10Fake! Most likely. This is a classic scam called a stranded traveler scam. Even if losing a wallet in
03:18Prague is totally something that would happen to your bestie, always double check with them using another
03:23method. Don't just reply to the DM. Last question, be sure to sound off on how you're doing so far
03:29in the comments. So, you get a voicemail saying the IRS is filing a lawsuit against you and if you
03:35don't
03:35go back immediately, there will be legal consequences. Is jail time on the table or are you being targeted?
03:45Fake! Big time. The IRS and other government agencies do not call you out of the blue threatening
03:52lawsuits. They don't text you, they don't demand payment over the phone, and they definitely don't
03:57sound like a robot on 2% battery life. Thanks for playing...
04:04Before we move on to our scam spotting survival tips, we've partnered with Jen for this Data Breach 101
04:11series. Let's hear what their experts have to say about the state of scams today.
04:17Every day, a new type of scam is popping up and likely you are actually hearing some stories from
04:23your people around you. First of all, whenever you receive anything online, you have to actually
04:27really stop for a second and think. This is like, I think, the most important one. And then you have
04:33to verify who you're talking to. I think the most interesting one are actually the deepfake scams.
04:39With AI, a lot of data is out there. People tend to share much more. And when they share much
04:45more,
04:45basically, the attackers will be compromising that and creating very personalized deepfake scams.
04:51And it's becoming much more difficult to spot them. And it's so much more successful.
04:56We are hearing a lot of, like, cases already where you're getting, like, a call. Like, in the past,
05:02you would get this, hi, mom, scam messages, which is like, okay, mom, something happened,
05:07my phone broke, and, you know, like, I need you to send me a message right now or bring me
05:10money
05:11or whatever. But right now, we have, like, more sophisticated version of it, which your son or
05:15your daughter is calling you on the phone with their voice completely, like, very realistic.
05:21And it's becoming much more difficult for you to spot whether this is scam or not. To be able to
05:25actually fight against scams, detection is not enough. So, actually, in scam, anti-scam community,
05:32there are three very important pillars. One of them is actually a pillar that is focusing on
05:38pre-scam. So, education and awareness plays a very important role here. And the second pillar,
05:44of course, is detection, and we talked about it. But the third pillar is actually support.
05:48So, you might want to have a support to figure out how to actually act when the scam happens. Or,
05:54if the scam was a little bit more emotionally damaging, you might want to actually get support
05:59emotionally to recover from it. We are actually trying to identify the vulnerable populations,
06:05people whose data is breached, so we can actually inform them that the scam can happen. And, at the
06:11same time, try to actually delete their data as much as possible so the scam doesn't happen to them.
06:17People will need to be really vigilant, try to, like, always think, like, a couple times before they make
06:23any online decisions. And, well, be well aware of scams and try to protect themselves as much as possible.
06:31Layla, thank you for those awesome tips. Okay, how do you actually spot a scam when it lands in your
06:37inbox or your texts? You just need to remember one word, SLAMS. S, sender. Check who's really sending that
06:45message. Scam emails often come from weird addresses like this one or random Gmail accounts pretending to be a
06:52company. L, links. Hover before you click. If the link looks off like not an official website,
06:59it's spelled weird or filled with random numbers, do not touch it. A, attachments. Be super suspicious
07:06of unexpected attachments. Even if they look harmless like PDFs, they could be hiding malware. M, message.
07:14Read the message carefully. Typos, bad grammar, super dramatic urgency like act now or lose everything.
07:21Scammers love that energy. S, suspicious elements. This is your catch-all. Anything that just feels
07:29off, like wrong logos, generic greetings like dear customer, fake urgency, weird payment requests.
07:36Trust your gut. If something slams you in the face, slow down. It just might be a scam trying to
07:42slip past
07:43you. Even if you spot all of the red flags, know what to look out for, and keep your safety
07:48tools in mind,
07:49mistakes will still happen. Scammers are getting smarter every single day. So, if you ever think
07:55you might have fallen for one, don't panic. In Episode 2 of Data Breach 101, we'll go over your game
08:02plan
08:02of what to do if you got scammed. If you found this video helpful, subscribe, and let's help each other
08:08out
08:08in the comments. Tell us about the scams you've been seeing online lately. That does it for me, but just
08:13remember, stay smart, stay skeptical, and stay tuned.
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